Rewards begin at 2,500 points for travel credits, cash, merchandise and charitable contributions. Points redeemed for a travel credit will be applied as statement credit to your account to offset qualifying travel purchases. A travel credit will be available to redeem for purchases from the Travel Center or for qualifying travel purchases made as defined by the following merchant category codes: a) Airlines, Air Carriers (MCC Codes 3000-3299, 4511); (b) Lodging-Hotels, Motels, Resorts (MCC codes 3501-3999, 7011); (c) Car Rental Agencies (MCC codes 3351-3441, 7512, 4121); (d) Cruise Lines (MCC code 4411); Travel Agencies and Tour Operators (MCC codes 4722, 4416, 4417); (e) Passenger Railways (MCC code 4112); (f) Transportation-Suburban and Local Commuter Passenger, including Ferries (MCC Code 4111); (g) Bus Lines (MCC codes 4131, 4722); (h) Transportation Services-not elsewhere classified (MCC code 4789); (i) Real Estate Agents and Managers-Rentals (MCC code 6513); (j) Timeshares (MCC code 7012); (k) Campgrounds and Trailer Parks (MCC Code 7033); (l) Motor Home and Recreational Vehicle Rental (MCC Code 7519); (m) Tourist Attractions and Exhibits (MCC Code 7991, 5971); (n) Amusement Parks, Carnivals, Circuses, Fortune Tellers (MCC Code 7996); (o) Aquariums, Dolphinariums, Zoos, and Seaquariums (MCC Code 7998); (p) Boat Leases and Boat Rentals (MCC Code 4457); or (q) Recreation Services-not elsewhere classified (MCC Code 7999). Purchases will be available for redemption for a travel credit for eligible purchases for a period of 6 months online and 12 months by phone. Receipt of a travel credit does not affect your responsibility to pay your minimum monthly payment. Cash rewards are available in the form of a check, an electronic deposit to a checking or savings account of your choice, a contribution to an eligible IRA account, 529 Plan account or Merrill Lynch Cash Management Account®, or a payment to an eligible mortgage loan. Cash reward checks expire 90 days after date of issue.