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Introducing CashBack+
A simpler, more rewarding way to earn—your way
Introducing CashBack+
A simpler, more rewarding way to earn—your way
We’re enhancing your rewards experience with CashBack+, the new program replacing MyChoice Rewards on January 13, 2026. This upgrade gives you more flexibility, a cleaner look, and easier ways to redeem your cash back – all within online banking or the Redstone mobile app.
No need to enroll or lift a finger. Your current rewards will automatically transfer at full value when the new program begins mid-January 2026.
It’s the same great rewards you love – now simpler, smarter, and more rewarding.
Redeem your rewards anytime inside online banking or the mobile app – no extra logins or steps needed.
Get customized bonus opportunities from the brands you love, designed to help you earn even more cash back on everyday purchases.
Earn bonus cash back instantly when you purchase select digital gift cards through CashBack+.
Choose how you want to enjoy your rewards – cash out, shop digital gift cards, or donate to a favorite cause – all in one place.
Redeem your rewards anytime inside online banking or the mobile app – no extra logins or steps needed.
Get customized bonus opportunities from the brands you love, designed to help you earn even more cash back on everyday purchases.
Earn bonus cash back instantly when you purchase select digital gift cards through CashBack+.
Choose how you want to enjoy your rewards – cash out, shop digital gift cards, or donate to a favorite cause – all in one place.
Your Visa Signature card will now put you in control with CashBack+. Each quarter, you’ll have the power to choose one 5% “boost” category – so you can maximize your earnings where you spend most.
To kick things off, you’ll be automatically enrolled in “Restaurants” as your 5% boosted category for the first quarter in 2026.
After that, you’ll be able to choose your own 5% category in online banking or the app before each quarter begins.
We’ve streamlined some categories and retired travel redemptions, so rewards are easier to manage, faster to redeem, and built around your choice.
Your Visa Rewards card is joining the new CashBack+ program, making your rewards easy to view and redeem.
You’ll continue earning 1.5% cash back on every purchase, just as before. The only difference? Your rewards will now show as cash back instead of points.
Your Rewards Checking account will also earn CashBack+, giving you even more value each time you tap your debit card.
Got questions? We’ve got answers. Check out our FAQs below for all the details. We’ll continue sharing updates as we get closer to January 2026, but for now, just keep using your card and redeeming your rewards as usual.
CashBack+ is the new Redstone Federal Credit Union® rewards Program that is replacing MyChoice Rewards. CashBack+ is like MyChoice Rewards, but instead of earning points, you’ll earn cash on all eligible rewards card purchases.
All Visa Signature®, Visa® Rewards credit cards, and Rewards Checking account debit cards will automatically transition to the new program on January 13, 2026.
No, only eligible purchases earn rewards. Transactions that are NOT eligible include:
Yes. Cash back is earned with the primary cardholder’s card and any joint owner’s or authorized user’s cards associated with the primary account. If you have multiple eligible rewards cards, the cash back earned is combined into one (1) CashBack+ account. Consumer and Business cannot be combined.
Yes, the boost category transfers to the replacement card, if the replacement card is eligible.
To redeem cash back, login to Redstone’s online banking and click on the CashBack+ widget found on the homepage. In the mobile app, click More > Rewards > CashBack+. From there, navigate to the Activity page within the CashBack+ platform to begin the redemption process.
Not at all. All unredeemed rewards will transfer at their full value.
No, unlike the previous MyChoice Rewards program, once cash back is deposited into the CashBack+ account, the balance is available to redeem up to the three-year expiration date. Your earned cash back is not removed if an eligible rewards card is closed.
Yes. Any unredeemed cash back is forfeited when your Redstone membership is closed. You must redeem rewards prior to closing your membership or the rewards are forfeited.
Since the cash back balance is not linked to a specific rewards card, but to a member number, you still have access to the rewards. You’ll continue to earn rewards if the replacement card is eligible.
You can redeem as often as you like if you have an available cash back balance.
Yes. You’ll receive a confirmation email to the email address on file confirming the transfer was successful and outlining the details.
There is no minimum amount required for redemptions.
No. CashBack+ does not offer automatic redemptions. You must initiate each redemption request.
Cash back redemptions are processed in real time and deposited immediately to the Redstone account chosen by you at time of redemption.
No. When redeeming cash back, your Redstone accounts eligible to receive deposits will automatically display. Simply choose which account you’d like to deposit your cash back to.
Yes. You can purchase gift cards using your cash back balance or with funds from your Redstone account. Gift card options include retail, travel and charitable organizations.
You can purchase travel related gift cards using your cash back balance and then use those gift cards toward travel purchases.
Cash back accrues daily and is awarded monthly. It is available in the CashBack+ balance by the fifth day of the following month.
While your cash back accrues daily, it is not available for redemption during the month it is earned. Instead, it is available for redemption by the fifth day of the following month. There is an estimated payout date on each payout available within CashBack+.
No. You can access your CashBack+ balance in online banking or the mobile app
Boost categories are the set of merchant groups available for you to choose from to earn 5% cash back for the quarter.
To access the CashBack+ boost categories for the upcoming quarter, login to Redstone’s online banking and click on the CashBack+ widget found on the homepage; in the mobile app, click More > Rewards > CashBack+. Select My Cards, choose your Visa Signature card, then pick your boost category. If you do not have online banking, call 1-800-234-1234 and select the rewards option from the menu to speak with a Member Contact Representative.
You must choose your boost category no later than the last day prior to the beginning of new quarter. New quarters begin April 1; July 1; October 1; January 1.
You can only select one (1) boost category each quarter.
You can change your boost category at any time prior to the start of the quarter. However, once the quarter has started, you cannot change the category.
If you don’t choose a boost category prior to the beginning of the quarter, you will earn the standard 1.5% cash back. A boost category selection cannot be made after the quarter has begun.
Not immediately. Since the quarter will already be underway once the program launches, all current Visa Signature cardholders will earn 5% cash back on restaurant purchases to start.
Once the program launches, you can choose your 5% boosted category for the next quarter at any time through March 31. Your selection will take effect in Q2 of 2026.
No. The boost category for new Visa Signature cards will default to restaurants. During the current quarter, members will then be able to choose their boost category for the next quarter.
Each quarter, your 5% boosted category applies to up to $1,500 in purchases. Once you reach that amount, those purchases will automatically earn 1.5% cash back for the rest of the quarter.
Visa is a registered trademark of Visa International Services Association. CashBack+ rewards are earned for qualified transactions made with the participating card. Purchases over spending caps will earn reduced rewards. Rewards are not earned for ATM, cash advance, or balance transfer transactions. Other restrictions apply; review the terms and conditions.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.