Miles Plus Rewards Program FAQs
Review the categories below and click on the appropriate question for more information.
Opening an Account
TCF Miles Plus Rewards Program is available to any customer who opens and maintains a TCF Premier Checking Plus account. To open an account, visit a TCF Bank location.
You earn 1 point for every $1 spent on qualifying purchases made with your TCF Premier Plus Charge Card. For example, a $50 purchase earns 50 points.
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 Premier Plus Charge Card. ATM transactions, teller line transactions, or cash advances made with your card do not earn any points.
You can begin to earn points for Qualifying Purchases as soon as you receive your TCF Premier Plus Charge Card.
With the TCF Miles Plus Rewards program, all cards issued to an account contribute to one Reward Account total.
No. Point totals for different TCF checking accounts are separate and cannot be combined.
Currently there are no monthly, annual or lifetime 'caps' on the number of points you can earn.
Points currently have no scheduled expiration; however, this is subject to change by TCF. If you close your TCF Premier Checking Plus account or do not have a minimum of 1 Qualifying Purchase for 24 consecutive months, your points will be forfeited.
Determining Your Point Balance
You earn points with every Qualifying Purchase made with your TCF Premier Plus Charge 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.
Sign in to TCF Online Banking and select the Rewards tab. Your point balance will appear in the upper right hand corner of the 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 PIN you created for your card.
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.
TCF updates your point totals at the end of every calendar month.
Yes. All points will be forfeited if you close your TCF checking account.
If you redeemed points and then returned a purchase that previously earned points, your account could have a negative point balance.
Remember that TCF updates your point totals at the end of every calendar month. You can also look at the history of all points in the Points Reward history page. If you still have questions, contact TCF.
If your TCF Premier Plus Charge Card or TCF Miles Plus Check Card number changes for any reason, your point total will transfer.
Sign in to TCF Online Banking and select the Rewards tab. Click Redeem Points at the left side of the page. You will need your TCF checking account number and the PIN you created for your card.
You can redeem your points for merchandise or air travel rewards, but points are not redeemable for 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!
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
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.
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.
Yes, you can use your points to book a rental car, hotel or any other travel-related arrangements through Personal Choice Travel.
Yes, if you have a frequent flier account with that airline and you enter your frequent flier number when you book your flight.