General Frequently Asked Questions
1. How do I create an account?
To create an account, simply click “Start Here”. Enter the required information and click the “Save” button. When your information is saved, your rewards account will be created and you will be welcomed into the rewards site.
2. Do I need an email address for an account?
Yes, you must have an email address to create an account.
3. Does my account ever expire?
No, your account never expires.
4. What if I forget my password?
Simply click the “Sign In” button and enter your email address after “Forgot your Password?” Click “Request Password” and a new password will be emailed to you to use to sign in.
5. How do I earn points?
Eligible accounts will earn points when using your debit card for both in-store and online purchases. You’ll earn one point for every $100 spent with a signature or PIN transaction.
My Rewards® Gold, Platinum and Business Platinum Debit Card holders will earn bonus points when using their debit card for both in-store and online purchases. Gold debit card holders will earn 2 points for every $100 spent and Platinum and Business Platinum debit card holders will earn 3 points for every $100 spent.
In addition, some account holders may receive mailers periodically, offering 100 bonus points for using you debit card 5, 10, 15, 20, or 25 times in one month. To maximize the number of points you will earn, be sure use your debit card instead of check, cash or credit card.
You can also earn extra points by shopping online through the merchants listed on the www.horizondebitrewards.com website. Simply sign in to your account and click on SHOP ONLINE for all of the details.
6. What is a certificate?
Every time you qualify, points will be issued in the form of a certificate. Certificates are issued periodically during the year, and you will add the points to your account with these certificates.
7. How do I enter a certificate into my account?
Sign in to your rewards account and click “Rewards” and “Certificate”. Enter your certificate number and click enter. Please note that certificates use only numbers 0 through 9 and letters a, b, c, d, e, f.
8. How do I view my point balance?
When you sign in to the system, you will see the word “Welcome” and your current point balance.
9. Do points expire?
The expiration date on the points is noted on the certificate. Points will be invalid at 12AM on that date, and cannot be redeemed for a reward. Their value will become 0.
10. What if I lose or misplace my certificate?
Unfortunately, we have no way of tracing your certificate number once it has been issued to you, so we cannot replace lost or stolen certificates. We do apologize for any inconvenience. We suggest that you enter your certificate number into your online Rewards account upon receipt. Once the points are deposited into your online Rewards account, you can feel free to discard your paper certificate.
11. How do I redeem points for a reward?
You can redeem points by clicking on the “Rewards” button. Search for products by category, number of points, or by keyword. Simply click on the reward you wish to order and click “Order”. Verify the shipping information and click the submit button. Then, confirm your order. Most gifts are shipped to arrive within 3 weeks.
12. Can I send my reward to someone other than myself?
Yes, simply enter a different address in the shipping information and your reward can be sent to someone else.
13. Do you ship to PO Boxes?
Yes, many of our reward can be shipped to PO Box addresses. However, if you select a reward that is shipped via FedEx Ground you will be prompted to enter a physical address for delivery, as FedEx does not deliver to PO Box addresses.
14. How do I contact customer service?
Click Contact Us for the email address and phone number to our Customer Service department.
15. Why is my online banking login not working on this site?
Your user name and password for your account on this site are not the same as your login and password for online banking through your financial institution. We allow certificates from multiple accounts and multiple account holders to be deposited into a single rewards account so you can redeem for a gift faster (in other words, you can “pool” certificates in our program), so your checking account is not tied to your rewards account. Please create a new account and password for logging points, online shopping and redeeming points.
eDeposit Frequently Asked Questions
1. My family has several accounts under different account holder names, and we have been putting all of our paper certificates into one online rewards account. Will we still be able to do this with eDeposit?
Yes, you may enter up to 5 different account numbers to link to one online rewards account. They do not have to have the same account holder names on them.
2. What if I need to remove one of the accounts from the eDeposit due to an account closing or perhaps that person no longer wants to share points? Can accounts be removed?
Yes, you may add, update or remove linked accounts at any time by signing in to your online rewards account and clicking “My Account”, then “Click to view your eDeposit feature” Scroll down to the area where your account numbers and zip codes are saved, and click “Remove” after the account number and zip code you would like removed. Enter the Security String and click “Save.”
3. What if I open another checking account at my financial institution at a later date, can I add that account to eDeposit at a later time?
Yes, you can add an account at any time by signing in to your online rewards account and clicking “My Account” to access the eDeposit feature. Once an account has been opened for at least 30 days it may be added to the site. Also, whenever you enter a paper certificate into your rewards account, you will be reminded that you may link your accounts to your rewards account.
4. Will I receive any notification letting me know that new points have been added?
No, your points will automatically deposit into your account.
5. I have never had to enter my checking account number online before, will my information be safe?
Yes, when you sign up for the eDeposit feature you will notice some security features in place that have to be completed for your information to be accepted, and we also have several internal features in place to safeguard the security of your account information.
Cash-Back Frequently Asked Questions
1. I made an online purchase without using the rewards website eMerchant link. Can I still get cash back for my purchase?
Unfortunately, only purchases made through the rewards website eMerchant links are eligible to receive the cash back feature. However purchases made outside of the rewards website are still eligible to receive standard debit card usage points.
2. When do I get the cash back for making a purchase through the rewards website eMerchant link?
Any cash back earned will be deposited into your account on or around the 15th of the month following the month of purchase.
3. What if I have selected to receive cash back and points for my eMerchant purchases?
Any cash back earned will be deposited into your account on or around the 15th of the month following the month of purchase. Any rewards points earned will be deposited into your rewards account on or about the 15th of the month following the month of purchase.
4. How do I sign my account up to earn cash back for online purchases?
Sign in to your online rewards account and click “Shop Online Settings”. Select how you would like to receive your points and/or cash back for your online eMerchant purchases through the rewards website links. Enter your checking account number and zip code and your account will be set up.
5. What if I decide I want to change the ratio of points/and or cash back I will receive for purchases?
Sign in to your online rewards account and click “Shop Online Settings”. At the “Shopping Online” feature, move the arrow over the points/cash back selections to the one you would like set for your account.
Electronic Gift Card Questions
1. What is the difference between e-gift cards and regular gift cards?
E-gift cards are sent to you digitally in your rewards account, so that you may access them immediately after you have placed your order. Standard gift cards are mailed, and will ship from our warehouse within 5 business days after your order is placed. Delivery time subject to US Postal Service delivery process.
2. I placed my order, but did not receive the link for my selection. What should I do?
First, check your Junk Mail and/or Spam file for the email. If you do not see it in either or those areas, please call or email our member service department.
3. Am I limited to how I use my e-gift card?
Redemption options vary by retailer. Depending on the e-gift card, they can be used in-store, online, via catalog or any combination of those. Please visit the retailer's online website for specific gift card terms and conditions.
4. Can I redeem my e-gift card in a store using a mobile device?
Redemption options vary by retailer. Please visit the retailer's online website for specific gift card terms and conditions.
5. How can I check the e-gift Card balance?
Check the terms and conditions on your e-gift Card for specific information on how to check a specific e-gift card balance.
6. Do I have to use the balance all at once? Or can I make multiple purchases at different times?
No, you may continue to use your e-gift card until the balance is zero. With some e-gift card codes, when you re-visit the retailer website after a purchase, you may see an updated balance for the new value of the e-gift card code. This may vary by brand.
7. Will my e-gift card expire?
Expiration dates may vary by retailer. Please read the terms and conditions for your e-gift card for more information.
8. If I want to print my e-gift card, do I need to use a special printer?
Most standard office and home printers are able to print e-gift cards. Quality of printing may vary by the printer used, however, the most important thing is that the code number below the e-gift card print clearly.
9. Do I need to print the e-gift card in color?
No, the e-gift card does not need to be printed in color.
10. What happens if I lose the e-gift card I printed?
You can always access your e-gift card information by clicking "Order History" when you are logged into your rewards site and selecting the appropriate gift card in your history.
11. My e-gift card instructions include using a secret code. Where do I find this?
Some e-gift cards require a secret code in order to be accessed. If you were issued a code, it will be found in your e-gift card redemption instructions. You will be prompted to input your secret code when you try to open your e-gift card.
12. What if I lose my secret code?
You can always access your secret code by clicking the "Order History" option and selecting the appropriate gift card in your order history.
My Rewards® Gold and Platinum Debit Cards Overview
1. What is the monthly cost for a My Rewards® Gold, Platinum or Business Platinum Debit Card?
The monthly subscription fee for the My Rewards® Gold Debit Card is $9.95.
The monthly subscription fee for the My Rewards® Platinum Debit Card is $14.95 for the first card and $4.95 for each additional card.
The monthly subscription fee for the My Rewards® Business Platinum Debit Card is $19.95.
This fee will be deducted from your checking account on a monthly basis.
2. If I have multiple checking accounts, can I get a My Rewards® Gold, Platinum or Business Platinum Debit Card for each account?
Yes, but the fee for each checking account is ($9.95) per month for the Gold Card, ($14.95) per month for the first Platinum Card and $4.95 for each additional card, and ($19.95) per month for the Business Platinum Card.
3. Can I get My Rewards® Gold, Platinum or Business Platinum Debit Cards for my joint account holders?
Yes, you may enroll up to three joint account holders per checking account.The monthly fee for joint account holders is $9.95 for the Gold Card, $4.95 for the Platinum Card, and $19.95 for the Business Platinum Card.
4. What's included in the Medical Evacuation and Travel Assistance Services, Roadside Assistance, Extended Service Protection, Price Protection, 24/7 Tech Support*, and Travel Accident* Benefits?
All benefits are described in detail by clicking here.
*Applicable only to the My Rewards® Business Platinum Debit Card.
5. How do I access the Medical Evacuation and Travel Assistance Services, Roadside Assistance, Extended Service Protection, Price Protection, expedited card replacement, 24/7 Tech Support*, and Travel Accident* benefits if I need to file a claim or need assistance?
Please call the benefits hotline at 855-901-8327 and follow the prompts to access the appropriate benefits.
My Rewards® International Assistance: 954-908-7277
6. When does the Gold, Platinum or Business Platinum card fee get deducted from my account?
Unless you have enrolled in the program using a promo code, your initial debit will occur on the next chronological ACH Debit Day following a 14-day period from your enrollment date. "ACH Debit Day" is defined as any one of the following days in a month: the 1st, 8th, 15th or 23rd. Should your ACH Debit Day fall on a weekend or federal banking holiday, your initial debit will occur on the next Business Day. "Business Day" is defined as any day that is not a Saturday, Sunday or federal banking holiday in the United States. All subsequent debits shall occur monthly, or the next available Business Day (e.g., if your initial debit occurs on March 8th, your future monthly debits will occur on April 8th or the next available business day, May 8th or the next available business day, June 8th or the next available business day, etc.).
7. How do I cancel the Program if I no longer wish to continue?
There are three ways to cancel the program. You can go online at the following website address: www.horizondebitrewards.com/cancel; call 855-901-8327, or by written notice sent to PO Box 2600, Wilmington, NC 28402. Please allow 3 business days prior notice to cancel this authorization. A “business day” is defined as a calendar day other than a Saturday, Sunday, or a Federal holiday in the United States.
Signing Up for a My Rewards® Gold or Platinum Debit Card
1. How do I sign up for the My Rewards® Gold, Platinum or Business Platinum Debit Card?
There are many ways to sign up for the Program. You sign up online at http://card.horizondebitrewards.com, by phone 855-901-8327 or in-person at one of our branch locations.
2. Why do you need to confirm last four digits of my social security number?
We can identify your account quickly this way to determine which account to debit the monthly fee. By confirming only four digits of your social security number, we provide the highest level of security.
3. Will you access my credit reports or credit score?
No, credit reports and credit scores are not used for this service.
4. If I have multiple checking accounts, which one should I use?
It is entirely up to you. We suggest you use the checking account that you make deposits in most frequently.
5. What if my account number does not show up when I try to link my account to this service?
Please call the benefits hotline with questions.
Convenient Short-Term Loans (My Rewards® Personal Platinum Debit Card)
1. Who can get a short-term loan?
Access to convenient short-term loans is only available to My Rewards® Platinum Debit Card Holders. You must subscribe to this service to participate in this benefit. The minimum age for loan eligibility in this program is 18. Please Note: We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future
2. How do I know what amount I can borrow?
We show you the preapproved loan amount via the rewards website once you have subscribed to the service. Remember: in addition to the loan, your Platinum Card subscription also gives you access to a bundle of benefits and services including five times the rewards points for your everyday debit card purchases, double cash back and bonus points for online purchases, emergency roadside assistance, extended warranty and buyers protection, and much, much, more.
3. How quickly can I get the money into my account?
We strive to have the funds in your account in 24 hours or less.
4. Do I have to apply for a short-term loan?
No additional requirements exist to get the loan, no credit checks are needed and no credit reports are pulled. Simply complete the online or mobile application and sign with an electronic signature. Please Note: We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.
5. How much can I borrow?
The loan amount available varies based on your individual checking account activity. However, typical loan amounts fall within the $100 to $500 range. Please Note: We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.
6. How many loans can I have?
You can have only one outstanding loan at any time per checking account.
7. How does repayment of the loan work?
The loan agreements you execute online or on the mobile application state the due date(s) for your loan. Payment is automatically deducted from your account on the due date(s).
8. If I need more time to repay the loan, what can I do?
You should not take the loan if you do not believe that you will be able to repay it by the due date(s).
9. What if I do not have the money in my account on the due date?
Will you overdraw my account to repay the loan and charge me an overdraft fee? Full Terms and Conditions are referenced in the loan agreement. Click here for additional information.
10. Can I pay the loan back with a credit card or prepaid card?
The funds must be available in your checking account associated with the loan for repayment on the due date(s).
11. Can I pay off my loan before the due date?
Yes. You can come to one of our locations to pay off the loan early.
12. Once the loan is repaid, may I get another loan?
Yes, after paying off your loan you may revisit the loan tab of the rewards website or the mobile application to see the new loan amount for which you are eligible. We do not make credit checks by using credit reports to determine your loan amount. However, we do look at account activity and in some cases we will decline to offer you a loan. There is no guarantee that we will make you a loan. If you are notified on the website that you are not eligible for a loan, please check back in the future.
13. I am a My Rewards®Platinum Debit Card holder. Do I have to pay an upfront fee to get a loan?
Once you are a subscriber, there are no additional upfront costs before you get your loan. The loan repayment amount will include all associated fees. Full Terms and Conditions are in the loan agreement for review prior to signing for the loan. Click here for additional information and APR.
14. What if I cancel the My Rewards® Platinum Debit Card after I have gotten a loan?
You may cancel your subscription at any time. Allow three business days to process your cancellation. If you have a loan outstanding, it will be deducted from your checking account on its due date. You will not have access to loans in the future unless you sign up for a My Rewards® Platinum Debit Card again. You can re-subscribe to My Rewards® Gold and Platinum Debit Cards at any time.
Rx Savings Card
1. I am on Medicare. Can I still use the My Rewards® Rx Savings Card?
You should not use the My Rewards® Rx Savings Card for prescriptions already covered by Medicare. Your Medicare coverage should provide a bigger discount. If the prescription is not covered by Medicare and you normally would pay retail pricing, you may use this feature for that prescription.
2. Can I use the My Rewards® Rx Savings Card if I have insurance?
Yes, you may use the My Rewards® Rx Savings Card if you have insurance. However, we recommend that you check with your pharmacist to inquire whether use of the card will save you money in the following circumstances:
• The drug being purchased is not covered under your insurance plan.
• There is a cap on coverage that you have exceeded which will cause all future prescription costs in the plan year to be paid at 100% cost out of pocket.
• You have a high annual deductible on your insurance plan that you will not be able to reach given a low monthly prescription drug expense. For example: $800 deductible with a monthly drug cost of $25.
• You have a high co-pay which will exceed the cost of the prescription if you use the Rx Savings Card. For example: $15 co-pay for all prescriptions but your drug prescription is $8 when the Rx Savings Card is used vs. coverage by your insurance.
3. Are there any age or medical condition restrictions when using My Rewards® Rx Savings Card?
No, there are no restrictions due to age or health conditions you may be experiencing.
4. Where can I use the My Rewards® Rx Savings Card?
You may use the My Rewards® Rx Savings Card at over 60,000 participating pharmacies nationwide, including all major chains. To find a participating pharmacy, please use our pharmacy locator on this website, or call Customer Service toll-free at 855-901-8327 to reach the 24-hour Pharmacy and Member Help Desk.
5. What if my pharmacy will not accept the My Rewards® Rx Savings Card?
All participating pharmacies found using the pharmacy locator should accept the My Rewards® Rx Savings Card. If you are denied the use of your card at a participating pharmacy, please call Customer Service toll-free at 855-901-8327 to reach the 24-hour Pharmacy and Member Help Desk to resolve the service issue.
6. How do I get my pharmacy to participate if it does not?
If your pharmacy is not participating in this program, and they would like to do so, please have them visit the website link below and follow the instructions on the page: https://www.envisionrx.com/pharmacies/pharmenroll.aspx
7. How do I know I am getting the lowest price?
Pharmacy prescription drug prices vary in both retail and wholesale pricing. Participating pharmacies in the My Rewards® Rx Savings Card program have contracted to offer a discounted price to Rx Savings Card holders. If the pharmacy’s usual retail price is lower than the My Rewards® Rx Savings Card discounted price, the participant should pay the lower price to ensure they are getting the best deal.
8. How do I get the My Rewards® Rx Savings Card?
You will receive the My Rewards® Rx Savings Card in the Welcome Kit for the program. You may also print a card directly from this website under the Rx Savings tab.
My Rewards® Platinum Debit Card Cell Phone Protection
1. What is covered under this plan?
Coverage is provided only for device damage rendering the device no longer able to perform the function for which the device is intended (i.e., damage causing a cell phone to be unable to make and receive calls, etc.)
2. Who is covered under this plan?
Any My Rewards Platinum cardholder and any person utilizing a supplemental telephone line itemized on a My Rewards Platinum cardholder’s wireless provider statement are covered under this plan.
3. Is a cracked screen covered under this plan?
This would be covered only if the damage is extensive enough to render the device no longer able to perform the function for which the device is intended (i.e., damage causing a cell phone to be unable to make and receive calls, etc.) Cosmetic damage alone is not covered under this plan.
4. Is there any limit on the number of claims I can make under this plan?
Yes, the plan provider will approve a maximum of 2 claims per rolling 12-month period under this plan.
5. Is there a dollar limit to the claims approved?
Yes, the plan provider will approve a maximum of $500 per claim, and you will be responsible for the payment of a $50.00 deductible per claim approved.
6. Is there a time limit for reporting my claims?
Claim notice must be given no later than sixty (60) days following the damage or theft, or as soon as reasonably possible. If the claim is reported after 60 days following the date of damage or theft, the claim may be denied.
7. How do I file a claim or obtain assistance?
To initiate a claim or to request assistance, please call 855-901-8327.
8. What if I have other questions regarding the coverage benefits?
For questions not answered in these FAQs, please visit www.horizondebitrewards.com/CardTerms.
9. If I drop my cell phone in water is the damage covered?
If the water damage renders the device no longer able to perform the function for which the device is intended (i.e., damage causing a cell phone to be unable to make and receive calls, etc.), and you have the phone in your possession, then yes, this would be covered. However, the device must be retrievable for you to be reimbursed for the damage – while damaged and stolen devices are covered, lost devices are not.
10. I need to get my phone repaired or replaced. How does this plan cover my expense?
This plan will reimburse the Primary Insured Person for damage or theft after a claim is filed, along with the required documentation. To review the requirements for submitting a claim, please refer to: www.horizondebitrewards.com/CardTerms.