• Credit cards with rewards are very popular among consumers. Spending credit money you earn pints, miles or cash back rewards.
• This "Online Credit Cards Rewards Programs Guide" will help you find applications for reward credit cards with low interest rate and no fees. We selected cards by rewards for you: points, cash back, miles, gas cards, hotel rewards.
• If you would like to learn more about any particular reward credit card click on it's name. You may email us for help as well.
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Universal Rewards Program Information
Basic information about program as on the Universal Rewards Program JPMorgan website
You have to check issuer's terms and conditions carefully before applying for a credit card.
The information below is extract form either credit cards issuing company terms and conditions or terms and conditions of the program itself as we could read it.
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Issuer: Your Universal Entertainment MasterCard (credit card) account (“Account”) is issued by Chase Bank USA, N.A. located in Wilmington, DE. In the Program Rules, “you”, “your”, means the Chase Cardmember(s) obligated on the Account enrolled in the Program noted above.
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Membership: The Program will be renewed automatically each year, so long as your Account is open and not in default as defined in your Agreement, unless you notify us of cancellation. The Program is not subject to a yearly program fee.
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Earning Rewards: You will earn 2 Points for each $1.00 of Universal Net Purchases and 1 Point for each $1.00 of other Net Purchases. (“Net Purchases” means purchases of goods and services made by you or any authorized user on your Account minus any returns or refunds.) Point accrual will begin upon the Enrollment Date in the Program. (“Enrollment Date” is the day on which you are approved as a Program member.) No retroactive points will be awarded. You do not earn points on balance transfers, cash advances, any checks that are used to access your account, overdraft advances, money orders, finance charges, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your Account. Points will be deducted for any returns or credits made on your Account. Points will appear on your monthly statement. From time to time there may be promotional offers for the Program, which provide the opportunity to earn additional points as defined by the terms of the promotion.
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Redemption Process: Points will be awarded and will be redeemed for rewards on a first-earned, first-redeemed basis. Points earned during the month are not available for redemption until they are posted on your monthly billing statement. Once you accumulate the required number of points, you will be eligible to redeem them for your selected Reward item. You can choose your reward from the Universal Rewards catalog. Points earned on your Account may only be redeemed by you.
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Examples of possible redemptions of points in Universal Rewards Program:
900 Points - free movie ticket
1,500 Points - free DVD
3,000 Points - $25 Best Buy, Sam Goody or Amazon.com gift card
50,000 Points - Bose® Wave® Radio/CD Player
Earn a Vacation From the Ordinary® - A trip for 2 to a Universal Red Carpet Premiere
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Reward Restrictions: Redeemed rewards are not refundable, replaceable, or transferable for cash, credit, or other rewards under any circumstances. Lost, stolen or mutilated checks, coupons, gift cards, gift certificates, reward certificates, tickets, or merchandise will not be replaced. Redeemed rewards earned in the Program may not be re-sold or exchanged for other goods or services except as stated on the reward. All rewards are subject to availability. Certain rewards are available only during the time periods described in the Program communications. We may substitute rewards of equal or greater value as necessary at our discretion. Some rewards have limited availability. Rewards are valid at participating merchants only, through the expiration date, if any, as permitted by law. Merchants participating in the Program are subject to change. Checks, coupons, gift cards, gift certificates, reward certificates, and tickets must be surrendered upon redemption and no photocopies will be honored. Rewards have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash unless otherwise noted on the rewards. Rewards are not transferable. Use of any reward is subject to any additional restrictions listed on the reward. Please see additional redemption restrictions as outlined in the Redemption Rules section of the catalog.
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Program Void: The Program is void where prohibited by federal, state, or local law. These rules and regulations set forth all the terms of the Program in addition to, and supplement, the Redemption Rules and Regulations that govern the redemption of points. We have no other obligation with respect to the program beyond those described in these and the Redemption Rules and Regulations.
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Important Notice
Chase Bank USA , N.A. (“Chase”) reserves the right to amend, modify or change, including adding or deleting terms, the Universal Entertainment MasterCard from Chase Rewards program (“Program”) terms and conditions at any time, without notice. For example, Chase may, without limitation, amend or omit some or all of the Universal Entertainment Rewards levels; change the number of points required to redeem Universal Entertainment Rewards (“Universal Rewards”).
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