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CU Rewards Program

Register Your Card Visit the CU Rewards Mall

Rack up points on every dollar spent with your Ideal CU rewards card

Score bonus points at thousands of top retailers, online and in-store 

Cash in your points for travel, merchandise, gift cards and more 

Unlock exclusive perks instantly when you register your card

Shop boldly, earn fast and turn everyday spending into big rewards

Turn everyday spending into real rewards. With the Ideal CU Blue Rewards Visa Credit Card and the Ideal CU Visa Business Rewards Platinum Card, every dollar you spend earns points toward travel, merchandise, gift cards and more. The CU Rewards Mall makes it easy to shop, earn and redeem.

  • Earn points automatically on every purchase, online and in-store
  • Earn points at over 25,000 participating merchants, including 5,000 in-store retailers
  • Redeem points for a wide range of rewards, from home essentials to unique experiences
  • Register your card to access the CU Rewards Mall and start earning today


Ideal Credit Union's credit cards make your everyday purchases easy and secure. Apply online or visit a Minnesota branch.

Make your spending work harder

With CU Rewards, your Ideal CU Visa card does more than pay - it pays you back. Register now and explore bonus points, exclusive offers, and easy redemption.

Register Now

Frequently Asked Questions

In the mobile app, go to More and select Transfer.
On desktop, select Transfer, then choose Make a transfer.

Choose the account you want to pay from and your credit card as the payment destination. Select Last Statement Balance, set the frequency to Monthly, and choose a payment date. Many members select the 13th in case the 14th falls on a weekend or holiday. Set the series end date to Never and add an optional memo if you’d like.

During business hours, type “Agent” for help. After hours, call 1-800-449-7728. You can also send a Secure Message in Digital Banking under Tools > Message Center.

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Your recent transaction history will appear

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Your recent transaction history will appear

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Click on Statements

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Click on Statements

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Click on Statements
  4. Click on eStatement Enrollment
  5. Download PDF
  6. Enter Confirmation Code > Click Next
  7. Verify Email > Click Next
  8. Accept Terms & Conditions > Click Submit

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Click on Statements
  4. Click on eStatement Enrollment
  5. Download PDF
  6. Enter Confirmation Code > Click Next
  7. Verify Email > Click Next
  8. Accept Terms & Conditions > Click Submit

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Tools and then Manage Credit Card
  3. Select the Card you wish to manage
  4. Click on Alerts and Controls
  5. Click on Manage Card Controls
  6. Select Control (Locations, Transaction Limits, Transaction Types) and Follow Prompts

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Manage Credit Cards from Tools Menu
  3. Select the card you wish to manage
  4. Click on Alerts and Controls
  5. Click on Manage Card Controls
  6. Select Control (Locations, Transaction Limits, Transaction Types) and Follow Prompts

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Accounts and then Credit Cards
  3. Under Rewards, Click on Points
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Desktop

  1. Log into Ideal Digital Banking on desktop
  2. Select Account and then Credit Cards
  3. Under Rewards, Click on Points
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Accounts and then Credit Cards
  3. Under Rewards, Click on Dollar Amount
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Desktop:

  1. Log into Ideal Digital Banking
  2. Select Credit Cards from Accounts Menu
  3. Under Rewards, Click on Dollar Amount
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts
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