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| 1.
| How many points can I earn?
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| Your business can earn unlimited points from all enrolled cards.
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| Unredeemed points expire at the third calendar year excluding the year the points were earned.
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| 3.
| Do I lose my points if I close my account?
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| Points are lost on any account that is closed.
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| 4.
| Is there a fee for MasterCard Business Rewards?
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| Yes, an annual fee of $50 will be automatically deducted from the business's primary checking account for each owner or employee enrolled in MasterCard Business Rewards. If a business does not have a business checking account, the annual fee will be charged to the business's credit card.
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| 5.
| How are points earned?
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| You earn one point for every net dollar spent with your MasterCard Business Debit Card and Credit Card. Purchases made using a PIN do not earn MasterCard Business Rewards points. Certain transactions will not earn points, see Terms and Conditions.
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| 6.
| Are points earned for PIN transactions?
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| Purchases that merchants process as debit card transactions authorized with a PIN do not earn points.
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| 7.
| How long will it take for my points to appear on my account?
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| Your points will be added to your account one to two business days after the merchant has settled the transaction. You can view your points balance online at www.capitalonebank/bizrewards and we will also mail you a quarterly statement.
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| 8.
| Am I still in the program if I redeem all of my points?
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| Yes. You'll earn more points on each qualified card purchase.
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| 9.
| Can I earn points for purchases made by phone?
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| Yes, you will earn one point for every dollar in qualifying purchases made using your MasterCard Business Credit Card or Debit Card through mail order, telephone, and Internet merchants.
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| 10.
| How are points redeemed?
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| Please call the MasterCard Business Rewards Center toll free 1-800-799-1702, Monday through Friday 8:00 a.m. to 8:00 p.m.; Saturday and Sunday 9:00 a.m. to 6:00 p.m. CT. For verification please have your business TIN (Tax Identification Number) and business owner's Social Security number.
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| 11.
| When redeeming points for travel or gift certificates, can they be requested in another person's name?
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| Yes, certificates can be requested in someone else's name, but points can not be transferred to someone else's account.
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| 12.
| Can I redeem a portion of my points and keep earning additional points?
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| Yes.
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| 13.
| How do I un-enroll from the MasterCard Business Rewards program?
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| Please discuss your request with the branch or a customer service representative at 1-888-755-C1SB (2172).
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| 14.
| Who can redeem points?
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| Only the account owner and certain individuals authorized by account owners will be allowed to redeem points.
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| 15.
| Do I have to get a new debit or credit card?
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| No, the MasterCard Business Rewards program is an added feature to your current debit or credit card.
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Equal Housing Lender