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Your Lifestyle, Your Rewards

Signal Rewards™, powered by uChoose1, is an exclusive benefit of Signal Financial membership that allows you to earn points or cashback by simply making purchases using your Signal debit or credit card. With endless merchandise options, gift cards from hundreds of brands, travel options, entertainment, and so much more…the redemption possibilities are too many to count!

Extra Perks

Shop With Points

PayPal Wallet

Add your Signal Rewards to your PayPal wallet and pay with points anywhere PayPal is accepted.

Amazon Checkout

Link your Signal Rewards with your Amazon account and use points at checkout to cover some, or all, of your purchases.

Accumulate Faster

Combine points earned on your debit card and credit card purchases. So you can accumulate –and start rewarding yourself – faster!

Visit CardControl Plus in your online banking account to connect your cards today!

Activate Merchant Offers

Our Merchant Network of 8,000+ local and national retailers provide extra special offers just for you – our Signal Rewards account holders.

Ways to Earn

Debit Card Rewards

  • 1 point for every $2 spent2

Credit Card Rewards

Signature Visa® Card

  • 3% cash back on travel purchases
  • 2% cash back on gas, groceries, and restaurants
  • 1% cash back on everything else3

Platinum Visa® Card

  • 3 points per $1 spent on travel
  • 2 points per $1 on gas, groceries, and restaurants
  • 1 point per $1 on everything else4

Spend $1,000 in the first 90 days and you can secure bonus cash back on the Signature Visa® card or bonus points on the Platinum Visa® card!

Redeeming Your Points

To check your points and redeem rewards, simply log in to your online banking or Signal mobile app and navigate to the rewards section. It’s that simple!

Frequently Asked Questions

When do Signal Rewards points expire?

3 years from the date of posting.

What is Signal Rewards?

uChoose Rewards is a rewards program enabling you to earn points when you make purchases using your Signal Rewards debit or credit card. These points can then be redeemed at the point of sale with our Pay with Points program or for gift cards, merchandise, and travel.

How do I earn points?

For Credit Cards: Points can be earned by making qualifying purchases using your eligible credit card. Point accumulation is automatic. To redeem points, cardholders are required to agree to the Terms & Conditions for Signal Rewards. This can be done in online banking.

For Debit Cards: Debit cardholders are required to agree to the Terms & Conditions for Signal Rewards to start accumulating points and to redeem. This can also be done in online banking.

Whenever you use your Signal debit card for purchases at merchants, you earn 1 point for every $2 spent. Additionally, by shopping at participating retailers listed on the Signal Rewards website, you can earn even more points. To earn points for online purchases, simply click the “Shop Now” button for a specific offer. You’ll then be taken to the retailer’s website to shop as usual.

Where can I earn points?

You earn points everywhere in the United States your card is accepted.

When can I redeem my points?

It can take up to 60 days for your points to be credited to your account. To redeem your points, you may need to accumulate a minimum points threshold. Check the dashboard on the Signal Rewards homepage in online banking to see if you’re eligible for redemption.

What can I redeem my points for?

You can redeem your points at the point-of-sale using our Pay with Points program or online for cash back, event tickets, electronics, gift cards, hotel rooms, rental cars, airline tickets, and so much more. Browse the Redeem Points tab of the Signal Rewards site to see all the options available to you.


How do I use my Signal Rewards points in the Pay with Points program?

Signal is working with a variety of merchant and digital wallet partners. As we sign up those partners, you will have the opportunity to use points as a payment method during checkout and use your Signal Rewards enrolled card for any residual balance after you use your points.

When I redeem for a product, can I ship my redemption to an address other than the one Signal Financial has on file for me?

No, you cannot change the shipping address for a redemption from the address on file. This is to protect you against fraudulent use of your points. If you would like to change your address, you will need to contact Signal Financial to adjust.

Can I return my redemption merchandise? How?

Some redemption items can be returned, and some cannot. To understand the various redemption policies and processes, please review the program Terms and Conditions.

If I am getting cash back, how do I know to which account it will be deposited?

Cash back redemptions are deposited in the account associated with the card with which you have logged into Signal Rewards.

Can I share points with family members?

Where can I view my point activity?

What if I shopped at a participating retailer, but my points are not showing up?

How do I know which merchant-funded offers have been activated for which cards on my account?

What happens if someone manages to get access to my Signal Rewards username and password?

How much does it cost to participate in Signal Rewards?

Can debit and credit card Signal Rewards points be linked together?

What do I do if I see fraudulent redemptions on my account?

Who should I contact if I have a Pay with Points order-related issue?

What if I have another question?

Is there a phone number I can call if I still have questions?

Bank easier, bank faster, and bank better with Signal Financial Federal Credit Union.
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