Card Rewards & Benefits

Visa Platinum Premier ScoreCard Rewards Program

Earn 1 ScoreCard® Rewards Point per dollar spent on all purchases made with your Visa® Platinum Premier Rewards Credit Card, and reward yourself with so many great options!

Earn points by using your card

• To earn points, simply use your Visa Platinum Premier Credit Card for your purchases. You will earn points based on your qualifying net purchases (purchases minus returns and/or other related credits) and as long as your account is in good standing (that is, not delinquent, in default, closed, canceled, blocked, suspended, or otherwise inactive and not available for use as a source of funding).
• You do not earn points for cash advances, balance transfers, unauthorized or fraudulent charges, or for fees of any kind on your card account. 

Use your points for travel, cash, rewards and more

Log in to ScoreCard Rewards to view points balance, or call Award Headquarters at (800) 854-0790 for any questions. 

• Redeem for merchandise on the ScoreCard site here. If you do not have enough points for the merchandise award you want, you are unable to purchase additional points. 
• Redeem for travel rewards including airline tickets, vacation packages, and cruises (with no destination restrictions):
  • Call (800) 854-0790 to speak with a Travel Services Representative daily between 8:00am and midnight Eastern Time, or 
  • Obtain select airfare awards and car and hotel reservations online at www.scorecardrewards.com. 
  • If you do not have enough points for your travel award, you can redeem the points you do have and pay the difference.
  • Contact the Travel Rewards Center at (800) 854-0790 for all modification and cancellation requests as the policies are different for each travel award.
• Redeem for cash: Use Redeem2Erase to turn your points into CASH, "erasing" eligible transactions you have already made in the past 90 days.
• Pay for purchases:
  • Use your ScoreCard Rewards points at the register to pay for your purchases at CVS, Dollar General,  AT&T, Walgreens, and other national retailers. You'll automatically be prompted to use points at checkout. Select "yes" to redeem your points!
  • Enjoy a real-time instant fuel price rollback at the pump and save $0.50 per gallon, up to 20 gallons, every time you fuel up! Simply use your Visa Platinum Premier card at the beginning of your transaction at a participating gas station to see the fuel discount offer and redeem for savings. 
  • Use your ScoreCard Rewards points when shopping online to pay with PayPal! Add your card to your PayPal account to get started, and choose your Visa Platinum Premier card as the default payment preference to pay with your points! Learn more here. 

Log In To ScoreCard Rewards

Benefit

• Simply call 1-800-847-2869, 24 hours a day/7 days a week, and Roadside Dispatch^® will ask you where you are, what the problem is, and will remain on the phone while arranging a dispatch to a reliable tow operator or locksmith.
• You pay a set rate per service call.
• No membership is required, and you don’t need to pre-enroll.
• No annual dues.
• No limit on usage.

For a set price per service call, the program provides:

• Standard Towing – Up to 5 miles included
• Tire Changing – must have good, inflated spare tire
• Jump Starting
• Lockout Service (no key replacement)
• Fuel Delivery – up to 5 gallons (plus the cost of fuel)
• Standard Winching

Not only will you not have to search for the name of a local tow operator, you may even save money because rates are pre-negotiated. All fees are conveniently billed to your Visa® account.

Please keep in mind that you will want to read the full terms and conditions for further details including replacement restrictions, limitations, and exclusions or check with your card issuer for a copy of your Guide to Benefits.

Frequently Asked Questions

Q. Who are the service providers and what do they provide?
Service providers are independent contractors who provide emergency roadside assistance and towing services. All contractors are solely liable for their services.

Q. What other fees or limitations should I keep in mind?
Towing rates apply to vehicles with a weight of up to one-ton gross vehicle weight. If you require a tow for more than five miles, you must pay the cost beyond five miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee. Additional fees may apply for winching services under certain circumstances.

You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

For more information, click here.

Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances.
Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Northern Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off road; areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor First Northern Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa® Credit Card and you can automatically enjoy Travel Accident Insurance.

Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

Have a lost or stolen card?

No need to worry, Visa® is here to help. Contact Visa's team of Customer Care Professionals and they will make sure you’re able to continue securely paying for what you need, anywhere in the world Visa cards are accepted.

3 easy steps to a replacement card

1. Contact Visa at any time here.
2. Deactivate your card: A Visa representative will deactivate your lost or stolen credit or debit card and then notify First Northern immediately. In the event your card was stolen, this may help prevent fraud.
3. Get a new card: Visa will work with First Northern to replace your debit or credit card and ship it to you within 24 to 72 hours. 

In case of an emergency

Visa can arrange to get you an emergency replacement card or cash ASAP. Just call and they will block your card (if the card number is known) and connect you with First Northern. Then, following approval from us, you can also get an emergency card replacement within one to three business days.* Alternatively Visa can arrange for cash to be available at a location near you, usually within hours of approval.

Frequently Asked Questions

Click here. 

*Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details.

Visa®'s Zero Liability Policy* is Visa's guarantee that you won't be held responsible for unauthorized charges made with your account or account information. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.

How It Works

Shop worry-free
Use your Visa credit or debit card to make purchases at millions of locations.

Report suspicious charges immediately
Review your monthly statement and immediately report any unauthorized charges to your financial institution.

Get quick resolution
Once an unauthorized transaction, covered by Visa's Zero Liability Policy is reported, your financial institution will investigate so you can have the issue corrected quickly.

Important Things to Note

Visa's Zero Liability Policy requires card issuers like First Northern Credit Union to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.

If you experience unauthorized transactions, notify First Northern Credit Union immediately. Replacement funds are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by us based on gross negligence or fraud, a delay in reporting unauthorized use, an investigation and verification of a claim, and account standing and history.

The transaction-at-issue must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please contact us. 

*Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Your First Northern Visa® Credit Card or Debit Card can be saved into your mobile wallet for Apple Pay®, Samsung Pay® and Google Pay®.

To add your card, open the Wallet app on your mobile device and follow the on-screen prompts. 

If you are having trouble verifying your FNCU card for mobile wallet, begin by checking if your card is already added to a mobile wallet on another device. If you find your card on a different device, you will need to remove it before you can add it to another device.

If you need further assistance, contact us at 888.328.8677 to troubleshoot the issue.

Setting up Security & Account Alerts 

To set up Account Alerts (not real-time): 

• Log in to online banking
• In the upper right corner of your My Accounts page, click on the silhouette of a person in a circle and select "Manage Alerts".
• Select the format you would like to receive your notifications — text message or email (or both)— along with a verification of your contact information. 
• You can be notified for various options, and each account can have different alert settings.  

Set up Security Alerts (real-time) in the same way, to notify you of any of the following: 

• When your ID, password, email address, phone number, alert preferences, or other settings have been changed
• If a PIN has been enabled or disabled
• If a transfer has been conducted of a pre-specified dollar amount or more

Visa® Credit Card Purchase Alerts are real-time text or email alerts when you pay with your Visa Credit Card. These alerts may help keep your account secure by empowering you to catch fraud. Sign up for Credit Card Purchase Alerts here. 

Visa Debit Card Purchase Alerts can be set up in online banking or the mobile app. 

The SecurLock® Credit Card Control Mobile App allows you to control how, where, and when your credit cards are used via your mobile device. Turn your card on or off with the touch of a button, set location-based controls, block international transactions, or set spending limits.