Wildfire Business Rewards
An exciting new enhancement that will make your Wildfire Business Visa® better than ever. CASH REWARDS! That’s right, your Wildfire Business credit card will earn 1% Cash Back on all your purchases.Earn Rewards Today »
What Are Wildfire Business Rewards?
With Wildfire Business Rewards, you can do almost anything with your points. Your Wildfire Business Visa card will automatically start earning 1% Cash Back on all your purchases. No new card. Your card stays the same; it just becomes a whole lot better. All points earned from business credit cards are aggregated to your business rewards account.
Multiply Your Rewards
Here you'll find limited-time offers that will help you maximize earnings. Promotions are always changing so check back often to see the latest promotion Wildfire has to offer.
There are no promotions at this time. Please check with us often to stay up to date with current offers.
How Do I Earn Points?
Earning points is easy. Just use your Wildfire Business Visa for all your purchases. Your Wildfire Business Visa card will earn 1% Cash Back on all purchases. If you don't already have a Wildfire Business Visa, get one and start earning points today.
- Every $1 spent with your card is a point earned
- Each point is equal to 1 penny
- Example: 1,000 points = $10
What Can I Save Points For?
You can convert your points to cash at any time for any purpose, or you can save them and use them at a later date. Don't know what you can save your points for? You can save your points towards that business trip you've been planning, travel on your own terms with no blackout dates, no restrictions or complications. With Wildfire Business Rewards it's that simple. When it's Cash Back the list gets endless such as saving points towards business expenses like client lunches, office supplies, building materials, tools, and much more.
How Can I Spend My Points?
With all the rewards options Wildfire offers you can do any of the following.
Cash Back is easy. You can redeem your rewards whenever, with no limits to the amount you can redeem. The best part, it's instantly deposited into your Wildfire Business checking or savings account.
Erase a transaction
Easily erase a transaction from your Wildfire Business savings, checking, or credit card loan by using your reward points. When you erase a transaction, a deposit or credit will be made to your account to match the amount of the transaction.
Make a loan payment
You can redeem your points to make payments on your Wildfire loans!
Frequently Asked Questions
Wildfire Credit Union has designed a new rewards program for its members to earn points which can be redeemed for cash back on purchases they make using their Visa credit card.
You earn one point for every dollar you spend when using your Wildfire Visa credit card.
All business credit cards that your business is a primary owner of will automatically be directed to the business rewards account. Business credit cards no longer earn points individually.
Yes. You will be able to view the history of points earned under the Rewards history page. Each row will contain the value of points earned and the source of the points. To view additional specific transaction information, click the information icon in the "Info" column.
We offer a variety of ways to redeem your points. You can choose to simply have cash back or erase a purchase on your Visa or other eligible transactions on savings or checking accounts. You can also make loan payments.
1 point = $0.01
Yes, your points will remain the same when you get a new card.
No, you can redeem as many or as few points as you want, whenever you want.
Your points will appear once the merchant posts the transaction. Merchants can post as early as the same day or over the next few days.
You will instantly see the deposit into the share or loan you choose. If you are not seeing the deposit or payment being made, please contact our Call Center at 989-249-8200 or 800-227-2328.
You can perform a cash back deposit to savings or checking to erase a fee, however there is not an option in the 'Erase a Transaction' feature to erase a fee.
Yes, you will receive a notification on your statement before your points expire.
Yes, your points will expire four years after the first of the month following the month earned. Example: the purchase was made on March 15th, 2018; the points will expire April 1st, 2022.
There are various reasons why restrictions get placed on your account. Please contact the Call Center at 989-249-8200 or 800-227-2328 with your questions.
If you use your points to satisfy the full payment of the amount due, the system will advance the due date by one month as long as the loan is not already paid ahead into the next month.
If you use your points to make a partial payment, the system will apply it to interest, fees and then principal, the same as it would if you were to make a transfer from a savings or checking account.
No, international fees will not earn points nor are they erasable.
When you redeem points for cash back to pay on your loan, this will apply to your loan as a payment. Just like any other payment, if there is interest owing, the system will satisfy the interest owing and any fees before applying any amount to principal.
When you erase a transaction on your credit card loan, this will post as a credit to your loan and not a payment. Credits to your loan will not advance the due date. However a full payment using Cash Back redemption will advance the due date.
It depends. If the business is listed as joint on the credit card loans, then all the points can accumulate to one business. However, if the businesses are separate and are not joint on the credit card loan, then the points will not be able to be merged.
Yes, you can redirect the points to your personal rewards account if you are joint on your business loans.