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With uChoose Rewards®, you choose where to shop and what to get with the points you earn. While most rewards programs have limited options, we offer the opportunity to shop in millions of locations across the globe.

There's never been a better time to start receiving additional benefits for using your Business Debit Card from BAC Community Bank for your everyday needs.

Simply use your Business Debit Mastercard® at gas stations, retailers, suppliers or anywhere else to experience an easy and rewarding way to shop. Remember, your purchase must be signature-based in order to earn points. The more you shop, the more you earn. And the more you earn, the more you are rewarded. Plus, you can earn even more points by shopping at Participating Retailers.

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Frequently Asked Questions

  • What is uChoose Rewards®?
    • uChoose Rewards® is a rewards program where you earn points for using your BAC Community Bank Business Debit Card.  Then, you can redeem your points for cash or merchandise from an online rewards catalog.

  • How much does it cost to participate?
    • There is no cost. Membership in uChoose Rewards® is absolutely free for BAC Community Bank Business Debit cardholders, so start shopping and earning today.

  • How do I earn points?
    • Business Debit Cards only
      • Earn points on qualifying transactions, which are outlined in the welcome materials you received after signing up for this program.
      • Earn 1 point for every $4 spent.
    • Qualified Transactions
      • Signature-based transactions
      • Online purchases
    • Non-qualified transactions
      • PIN-based transactions
      • ATM withdrawals
      • Online bill payments
    • Plus, you can earn even more points when you shop at participating retailers. Choose to shop in-store at national or local retailers or online through
    • When shopping in-store, select credit and sign for your purchases.

  • Where can I earn points?
    • You earn points everywhere your card is accepted that allows signature-based transactions.

  • What can I redeem my points for?
    • Cash – posted to the business account
    • Merchandise – computers, TVs, office equipment and much more
    • Travel – hotels, airline tickets, rental cars, cruises, etc.
    • Gift Cards – restaurants, gas cards, retail stores, and more

  • Can I share points within the same company?
    • Yes, all cards within a business account automatically earn points together. In addition, if you have multiple accounts with BAC Community Bank, you can link them together to earn rewards faster. Just visit the Preferences page at to link more accounts to your program.

  • Where can I view my point activity?
  • Can points be redeemed at the point of purchase or can they only be redeemed online?

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uChoose Rewards Terms & Conditions


For Program information, click the "Terms and Conditions" link at The uChoose Rewards Program is available to open and active accounts as designated by BAC Community Bank. uChoose Rewards is not an affiliate of BAC Community Bank. All names and logos are trademarks and registered trademarks of their respective owners. All rights reserved.