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TCF Miles PlusSM Rewards Program Frequently Asked Questions |
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Review the categories below and click on the appropriate question for more information.
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OPENING AN ACCOUNT
EARNING POINTS
DETERMINING YOUR POINT BALANCE
REDEEMING POINTS
USING POINTS FOR TRAVEL PURCHASES
OPENING AN ACCOUNT
- How do I get a TCF MILES PLUS Card?
TCF MILES PLUS Cards are available to any customer who opens and maintains a TCF Premier Checking Plus account. To open an account, visit a TCF Bank location.
- How do I get a TCF MILES PLUS Check Card?
TCF MILES PLUS Check Cards are available to any customer who opens and maintains a TCF Premier Checking account. To open an account, visit a TCF Bank location.
EARNING POINTS
- How many points do I earn for each Qualifying Purchase with my TCF MILES PLUS Card?
You earn 1 point for every $1 of the Qualifying Purchase made with your TCF MILES PLUS Card. For example, a $50 purchase earns 50 TCF MILES PLUS points.
- How many points do I earn for each Qualifying Purchase with my TCF MILES PLUS Check Card?
You earn 1 point for every $2 of the Qualifying Purchase made with your TCF MILES PLUS Check Card. For example, a $50 purchase earns 25 TCF MILES PLUS points.
- Do I earn points every time I use my card - even when I make an ATM transaction?
Points are earned for Qualifying Purchases, which are signature-based, Internet, phone or mail order merchant purchases processed through the Visa® transaction processing system, and automatic bill payments (such as monthly utility bills) made with your TCF MILES PLUS Card or TCF MILES PLUS Check Card. ATM transactions, teller line transactions, or cash advances made with your card do not earn any points.
- How soon after I open my account do I earn points?
Purchases made with your TCF MILES PLUS Card or TCF MILES PLUS Check Card after you open your TCF checking account earn TCF MILES PLUS points.
- I have a joint account with two cards. Do both cards earn points separately,
or are they combined into one total?
With the TCF MILES PLUS Rewards program, all cards issued to an account contribute to one Reward
Account total.
- I have two different TCF checking accounts. Can I combine the points from both accounts?
No. Point totals for different TCF checking accounts are separate and cannot be combined.
- Is there a limit or 'cap' to the number of points I can earn?
Currently there are no monthly, annual or lifetime 'caps' on the number of points you can earn. Use your TCF MILES PLUS Card or TCF MILES PLUS Check Card at every opportunity to maximize your rewards!
DETERMINING YOUR POINT BALANCE
- How are point totals calculated?
You earn points with every Qualifying Purchase made with your TCF MILES PLUS Card or TCF MILES PLUS Check Card. A Qualifying Purchase is a purchase processed through the Visa transaction processing system. See a complete definition of a Qualifying Purchase in the program rules (Terms and Conditions). Points are added to your Reward Account on a monthly basis.
- How do I find out how many points I have?
Sign in to TCF MILES PLUS Rewards.Your point balance will appear in the upper right hand corner of the Miles Rewards home page. Points are added to your Rewards Account on a monthly basis. You can also click on Rewards Statement once you sign in to TCF MILES PLUS Rewards for more detail. For security purposes, you need your checking account number and the Secret Code you created for your card.
- If I return merchandise that I purchased with my card, do I lose the points associated with this Qualifying Purchase?
Yes. If you return a purchase that earned points, returning all or a portion of that
purchase will reduce your point total by the dollar value of the merchandise returned.
- I just received my monthly checking account statement and my points
do not appear on the website. Why not?
TCF updates your point totals at the end of every calendar month. Generally, your points will be recorded 5 to 8 weeks after a purchase is made with your card.
- If I close my TCF checking account, will I lose my points?
Yes. All points will be forfeited if you close your TCF checking account.
- How does a point balance become negative?
If you redeemed points through VIPexpress, Premier Collection, or at the TCF Superstore and then returned a Qualifying Purchase that previously earned points, your account could have a negative point balance.
- I think I have earned more points than shown on my TCF MILES PLUS Rewards account. Who do I contact regarding the difference?
Remember that points can take 5 to 8 weeks to be reflected in your Reward account.
You can also look at the history of all points in the Points Reward history page.
If you still have questions, contact TCF.
- I cannot access the TCF MILES PLUS Reward program.
There are various reasons for not being able to access the rewards site:
- If you are a new TCF checking account account holder, allow 5 business days from the date your account was opened before attempting to access your Reward account.
- The reward site may be periodically unavailable for site maintenance.
- Your point balance may be negative; access is not allowed until your balance is once again positive.
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I lost my card. Will my points transfer?
If your TCF MILES PLUS Card or TCF MILES PLUS Check Card number changes for any reason, your point total will transfer.
REDEEMING POINTS
- How do I redeem my points?
Sign in to TCF MILES PLUS Rewards. Click Redeem Points at the left for access to VIPexpress and the TCF SuperStore. You will need your TCF checking account number and the Secret Code you created for your card.
- Can I turn in my points for cash?
You can redeem your points for merchandise or air travel rewards, but points are not redeemable for cash.
- I do not have enough points for the merchandise I want.
Can I pay the difference in cash?
No, but continue to use your card for all your merchant Qualifying Purchases and we will keep adding points to your TCF MILES PLUS Reward Account. The more you use your card, the faster your Reward Account total grows!
- Can I give or transfer my points to someone else?
Points cannot be transferred to another TCF MILES PLUS Reward Account. You can, however, book travel or redeem merchandise for another party.
USING POINTS FOR TRAVEL PURCHASES
- Can I use my points for any airline?
The TCF MILES PLUS travel site, VIPexpress, has access to most major airlines without blackout dates, unlike other miles programs. Select the departure and arrival cities to generate flight information from participating carriers.
- Can I use my points for a First Class ticket?
Yes. VIPexpress allows you to use your points for Business Class or First Class travel. After
you have selected your flight, simply choose the flight class seating option.
- Why do I need more than 25,000 points for some airline tickets?
My other program did not require that.
Unlike other programs, TCF MILES PLUS has no blackout dates when you cannot use your points, no seat restrictions, and you can select the airline and ticket combination you want. With the TCF MILES PLUS program, you can often find tickets that require less than 25,000 points. You can also use your points for over 3 million merchandise items in addition to travel rewards.
- Can I book a rental car or a hotel?
At this time, the TCF MILES PLUS program does not allow rental car or hotel redemptions. You can use
your points for over 3 million items at the TCF SuperStore or through our
VIPexpress travel center.
- When I use my TCF MILES PLUS points for an airline ticket, can I also get frequent
flier points from that airline?
Yes, if you have a frequent flier account with that airline and you enter your frequent flier number when you
book your flight.
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