Ameriprise® Visa Signature® credit card and Ameriprise Rewards Program

Important Questions and Answers

See how the upcoming changes to your credit card and rewards affect you


Important note about $150 annual fee on the Ameriprise Premier Visa Signature:

Achiever Circle Elite cardmembers: $150 Annual Fee is waived if you are an Achiever Circle Elite member at the time of your cardmember anniversary date. You are an Achiever Circle Elite member if you have $500,000 or more in assets under management with Ameriprise Financial. 

Non-Achiever Circle Elite cardmembers: As a thank you for your continued loyalty, the annual fee is waived the first year for cardmembers who have recently received the Ameriprise Premier Visa Signature card in replacement of their Ameriprise World Elite Mastercard.  After the first year, a $150 annual fee will apply. 


General change information

Elan Financial Services is the new creditor and issuer of our new Ameriprise Visa Signature Credit Card program.
Your new credit card will arrive in the mail with simple activation instructions. It will be ready for use on August 30, 2019.
No, the transition to your new credit card will not impact your credit history or score.
Your old credit card will be de-activated on August 30, 2019. You can continue to use your old card with your old account number through August 29, 2019. On August 30, 2019 you should begin to use your new card with your new account number.

Account changes

We are updating our credit card program to provide the best value and customer service to our cardmembers.
Your new credit card will arrive in the mail mid-August, 2019.


What you should do before your new credit card arrives:

  • Continue to use your old credit card.
  • Watch the mail for your new credit card to arrive mid-August, 2019.
  • Once you receive your new credit card, activate and begin using it on August 30, 2019.
  • Your credit card statement will have a new look and payment address, and you will need to re-establish any automatic payments you currently have set up.
  • Your Rewards Points and credit balance from your existing credit card will transfer automatically to your new credit card — no new application required.
  • The transition to your new credit card will not affect your credit history or score.

Authorized users will receive their credit card(s) at the same time as the primary cardholders along with activation instructions in mid-August 2019.

For both card types, authorized users will now have the same card number as the primary cardmember.

This is a change from your old card, but standard practice for most major Visa and Mastercard issuers.

In the case of lost/stolen cards, all cards on the account will be replaced.

With the change to the new Ameriprise Visa Signature credit cards, transactions will no longer be separated by user. To see transactions separated by user, you will need to establish separate card accounts, each user will need to apply for a new credit card.

You can differentiate card accounts by looking at the last 4 digits on the on secure site at ameriprise.com and on your statement. 

Yes, you will receive a new account number and expiration date for your credit card. If you make recurring payments from your credit card, remember to contact the businesses and give them your new account number.

All current balances will transfer to your new Account automatically in September. The Annual Percentage Rate (APR) for any current balances will remain at your current terms and conditions.

Your current promotional and introductory APRs will be honored.  After your promotional or introductory APRs expire, any existing balances will remain at your current terms and conditions.

For APRs which apply to purchases, balance transfers and cash advances made on your new credit card, please refer to the Change in Terms notification letter dated July 10, 2019 which was recently sent to you.

Any balance or pending transaction(s) on your current credit card will automatically be transferred to your new account and will appear on your first statement with your new account number.
No. You will have the same credit availability on your new credit card. Your new card will arrive with a card mailer that will state your credit availability, but this is not a preset limit.1 Individual transactions may be authorized above the amount shown on your card mailer.1 

Yes. Log on to the secure site at ameriprise.com and select your card. You will be able to activate your card, set alerts, add travel notes, request a Cardmember Agreement and more. 

For a short time in August, you will see both your current Mastercard and new Visa accounts on the secure site at ameriprise.com. You will be able to click on either account, but only one of the cards will be available for merchant transactions.

Benefit changes

Your new credit card will feature a wide range of great benefits, including:

  • Rich rewards program
  • Excellent U.S.-based customer service, 24/7
  • No preset spending limit1
  • Digital wallet compatibility
  • Fast, secure purchases with a contactless card
  • Zero fraud liability2
  • And much more
Watch your mail in July and August for important communications regarding the new benefits and features of your new credit card program.
 

Payment and Statement changes:

Your payment due date may change. If you wish to select a new payment due date, you may contact Elan Financial Services Cardmember Service once you receive your first statement.

Yes. Beginning August 30, 2019 payments should be sent to:
Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Simply contact companies that bill your card on a regular basis (such as phone, cable, gym memberships and insurance) to set up automatic bill payments. It's a great way to add convenience and gain peace of mind. And remember, you will earn Ameriprise Rewards Points on those purchases.

Yes, your credit card statement will have a new look.  Click here to learn how to read your statement.

Yes. Log in to the secure site on ameriprise.com, from the overview page, select your credit card. Click “View services” which will take you to the Elan Financial card servicing site. Go to the “Services” tab, select “Download Annual Account Summary”, select the Year and click “Download”.

The 2019 Annual Summary will be available after December 31 and include all Visa and Mastercard transactions for 2019.

To access older Mastercard statements, call the number on the back of your card. Your statement(s) will be mailed or faxed (upon request) to you within 10 business days. Statements will be available for two years post conversion.  As of Aug. 30, 2021, clients will no longer be able to request copies of the Mastercard statements.  

Yes, both Mastercard and Visa Signature transactions are available online going back 12 months from the current date. Mastercard transactions are available starting with August 2018 transactions.

Log in to the secure site on ameriprise.com, from the overview page, select your credit card. Click “View more account services” which will take you to the Elan Financial card servicing site. Go to the “My Account” tab, select “Download Transactions”. Select the format and date range you prefer and click “Download”.

Both Mastercard and Visa Signature recent activity is available online going back 6 months from the current date.

Log in to the secure site on ameriprise.com, from the overview page, select your credit card. Click “View more account services” which will take you to the Elan Financial card servicing site. Go to the “My Account” tab, select “Search” in the bottom right corner and select the desired date range.

Ameriprise Rewards Program 


General rewards information

There may be a change to the rewards you earn with your new credit card. You will receive specific details along with Ameriprise Rewards Terms and Conditions for your Rewards Account in the mail between July and August 2019.

Between August 25 and September 2, Ameriprise Rewards accounts will not be available due to conversion. You will not be able to view, redeem or get information about your Rewards Points during this period. All Rewards Points will be converted and available to view and redeem on September 3. You will still be able to earn Rewards Points during this period.

Rewards accounts will no longer be opened automatically by using the Ameriprise ONE® Financial Account Visa Debit card for a merchant transaction.

Your Rewards points will be converted for you to your new Rewards account. You will have the same amount of points awarded after conversion as were on your account before conversion. Please refer to How are my earning and redemption values changing? for additional details.

For Ameriprise World Elite Mastercard cardholders converting to Ameriprise Premier Visa Signature:

  • Earning Points 
    • Currently on your World Elite Mastercard you earn 1 Rewards point per dollar spent on purchases.  Once you start spending on your new Ameriprise Premier Visa Signature card you will earn 1.5 points per dollar spent on eligible net purchases3. For example, with your new Ameriprise Premier Visa Signature, you will only need to spend $20,000 to earn 30,000 points (rather than $30,000 previously on your World Elite Mastercard).
  • Cash Back 
    • Going forward for new spend on your Ameriprise Premier Visa Signature your effective cash back rate will move from 1.5% to 1.875% per $1 spent into your eligible Ameriprise Financial account5.  
  • Conversion impacts to previously earned points on the World Elite Mastercard 
    • The redemption value of points not redeemed prior to conversion will change for clients with a World Elite Mastercard.
    • Cash Back Changes: Cash back will move from 1.5% to 1.25% per point. Going forward for new purchases on your Ameriprise Premier Visa Signature your effective cash back rate will move from 1.5% to 1.875% per $1 spent into your eligible Ameriprise Financial account5.
    • Financial Planning Certificate Changes: Redemption value will move from $150 to $125 per 10,000 points redeemed. For all new points earned on the Ameriprise Premier Visa Signature card you will receive 1.5 points per dollar spent.3  

For Ameriprise World Mastercard cardholders converting to Ameriprise Visa Signature:

  • Conversion impacts to previously earned points on the World Mastercard 
    • The redemption value for Financial Planning Certificates not issued prior to conversion will change for clients with a World Mastercard. Redemption value will move from $150 to $125 per 10,000 points redeemed. 

For Ameriprise Mastercard cardholders converting to Ameriprise Visa Signature:

  • Conversion impacts to previously earned points on the Ameriprise Mastercard 
    • The redemption value of points not redeemed prior to conversion will change for clients with an Ameriprise Mastercard.
    • Cash Back Changes: Cash back will move from 1% to 1.25% per point.6 
    • Financial Planning Certificate Changes: Redemption value will move from $150 to $125 per 10,000 points redeemed.

Your current Rewards Account and points will be available for redemptions through August 24, 2019.

  • If you have the Ameriprise World Elite Mastercard, you will be converted to the Ameriprise Premier Visa Signature card. With your new card, you’ll earn 1.5 Rewards Points for every $1 you spend in eligible net purchases3
  • If you have the Ameriprise World Mastercard or the Ameriprise Mastercard, you will be converted to the Ameriprise Visa Signature. With your new card, you’ll earn 1 Rewards Point for every $1 you spend in eligible net purchases4
You will receive a Rewards account number when your Rewards account is activated.  It allows us to authenticate you when calling with questions or making rewards redemptions.  This keeps your rewards account secure. You do not need your Rewards account number when accessing your Rewards account online. 

You can view your Rewards account number on the overview page of the secure site at ameriprise.com.

When the account is opened, a letter will be mailed to you that includes your Rewards account number.

You can also receive your Rewards account number information by calling 888.356.1006.

If you have the Ameriprise Premier Visa Signature credit card, your Rewards account Tier will be Premier.

If you have the Ameriprise Visa Signature credit card and no Premier credit card, your Rewards account Tier will be Signature.

If you do not have a credit card account, your rewards Tier is Select.

Your rewards tier can change as you open or close credit card accounts

Click here to view Ameriprise Rewards Program Terms and Conditions effective September 3. 

If you opened an Ameriprise World Elite or Ameriprise World credit card or Rewards account between August 31, 2018 and August 30, 2019, please see the Supplemental Ameriprise Rewards Terms and Conditions.

The new Ameriprise Rewards Program Terms and conditions are effective on September 3, 2019

If you opened an Ameriprise World Elite or Ameriprise Word credit card or Rewards account between August 31, 2018 and August 30, 2019, you are eligible to receive the Select Points offers if your activity meets the offer terms. 

All points will be automatically converted to your new Ameriprise Rewards account.  Once the conversion is completed you will have improved access to your Rewards account through the secure site at ameriprise.com.  You will be able to safely view your Rewards Points balance and access redemption opportunities via either mobile or web. Or call 877.264.3044 until August 24. After September 2 call 800.867.0843.

Points awarded from credit card activity are awarded when your credit card statement cycle occurs. Points awarded from Ameriprise actions happen 4 to 6 weeks after the activity.

If you have or had an Ameriprise ONE Financial Account Visa Debit card and made a transaction at a merchant, you were enrolled in the Ameriprise Rewards program and a Rewards account was opened for you.

There are many opportunities to have Rewards Points awarded.  

For questions regarding the Rewards program call 877.264.3044 until August 24, after September 2 call 800.867.0843.

 

1 No preset spending limit does not mean unlimited spending. Individual transactions are authorized by card issuer based on factors such as account history, credit record and payment resources. Card issuer will preset an upper limit for revolving balances and cash advances.

 2 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Cardmember Service promptly of any unauthorized use. Certain conditions and limitations may apply.

3 Ameriprise Premier Visa Signature Card: Account must be open and in good standing to earn and redeem rewards and benefits.  Upon approval, please refer to your Cardmember Agreement for additional information.

You will earn 1.5 Rewards Points per $1 in eligible net purchases (net purchases are purchases minus credits and returns). Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Cardmember Agreement, including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards Points that are earned through the use of the account but not redeemed will expire and be forfeited five (5) years from the date the earned Rewards Points post to your Rewards Account.  Rewards Points will be redeemed and expired on a first-in, first-out basis. Refer to your Rewards Program Terms and Conditions at ameriprise.com/rewards for additional information. 

You may not use your Ameriprise Premier Visa Signature Card account (including but not limited to the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise Premier Visa Signature Card account if at any time we believe you have violated this restriction.

4 Ameriprise Visa Signature Card: Account must be open and in good standing to earn and redeem rewards and benefits.  Upon approval, please refer to your Cardmember Agreement for additional information.

You will earn 1 Rewards Point per $1 dollar in eligible net purchases (net purchases are purchases minus credits and returns). Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Cardmember Agreement, including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards Points that are earned through use of the account but not redeemed will expire and be forfeited five (5) years from the date the earned Points post to your Rewards Account. Rewards Points will be redeemed and expired on a first-in, first-out basis. Refer to your Rewards Program Terms and Conditions located at ameriprise.com/rewards for additional information. 

You may not use your Ameriprise Visa Signature Card account (including but not limited to the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise Visa Signature Card account if at any time we believe you have violated this restriction.

5 Ameriprise Premier Visa Signature Card: The 1.875% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1.5 Rewards Points for each $1 spent in eligible net purchases. If you choose to redeem for cash back into an Ameriprise Financial account, you will receive 1.25% cash back per Rewards Point when doing so. $1 spend = 1.5 points earned. 1.5 points* 1.25% = 1.875% cash back per $1 of spend. Example: If you spend $20,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account or for an Ameriprise financial planning certificate, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply. Please refer to the Rewards Terms and Conditions for more details at ameriprise.com/rewards.

The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Rewards Program Terms and Conditions located at ameriprise.com/rewards.

Eligible Ameriprise accounts include Ameriprise® Active Portfolios® account, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial account and Ameriprise® Brokerage and Cash Reserve Certificate account.

6 Ameriprise Visa Signature Card: The 1.25% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1 Rewards Point for each $1 spent in eligible net purchases. Example: If you spend $30,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account or for an Ameriprise financial planning certificate, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply. Please refer to the Rewards Terms and Conditions for more details at ameriprise.com/rewards.

The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Rewards Program Terms and Conditions located at ameriprise.com/rewards.

Eligible Ameriprise accounts include Ameriprise® Active Portfolios® account, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial account and Ameriprise® Brokerage and Cash Reserve Certificate account. 

Ameriprise Financial Mastercard® credit cards are issued by Barclays Bank Delaware (Barclaycard) pursuant to a license by Mastercard International Incorporated. 

Mastercard, World Mastercard and Mastercard World Elite are registered trademarks of Mastercard International Incorporated. 

Elan Financial Services is the creditor and issuer of Ameriprise® Visa Signature® credit cards, pursuant to a license from Visa U.S.A. Inc., and does not administer the account Rewards Program.

© 2019 Ameriprise Financial, Inc. All rights reserved.