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Frequently asked questions
Listed below are the most common questions asked about the Ameriprise Visa Signature Credit Card program. If you need additional help, please contact Cardmember Service at 833.396.7253 .
Rewards
To redeem Rewards Points, login to the secure site on ameriprise.com and select your credit card. Or call 800.867.0843.
Redemptions for a cash deposit into your eligible Ameriprise account(s) start at 30,000 Rewards Points. That’s a $375 value.
Redemptions for a Financial Planning Credit towards your Ameriprise ® Financial Planning Service occur in increments of 10,000 Rewards Points. That’s a $125 value.
Rewards offers begin at 3,500 Rewards Points if you choose to redeem for travel options, merchandise, gift cards or a statement credit.
The monthly credit card statement that you receive shows how many Rewards Points you have earned during the billing period.
No, there is no limit or cap to the amount of Rewards Points you can earn or redeem. If you're an existing cardmember, please refer to your Rewards Program Terms and Conditions for specific rewards details.
Your Rewards Points 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 expire on a first-in, first-out basis.
You should consult your tax advisor with any questions about the taxability of your Rewards Points. Yes, you can call 800.867.0843.Transactions
When you use your credit card for a purchase, the merchant will send your card number and purchase amount to the bank for an approval or an authorization. This authorization or pending transaction generally confirms that an account is open and the purchase amount is acceptable. The purchase amount sent for authorization varies by merchant type. Most merchants will request an authorization for the exact purchase amount and others may send an estimate that is more or less than the actual purchase amount.
It may take several business days for the actual purchase amount to replace the authorized amount on your account. Generally, the final purchase is deducted from your account within three business days. If the authorized amount does not match with an actual purchase amount within three business days, it will be removed from your account.
A pending transaction is deducted from your available credit but is not included in your account balance. The amount of the transaction will be added to your account balance and post to your account when the merchant determines the amount.
An authorization may vary from the final purchase amount in situations where there is an estimated authorization amount or a tip is involved.
Hotels are allowed to request an authorization for an amount based on your length of stay, all applicable taxes, plus any additional expected dollar amount(s). Cruise lines and car rental agencies also follow this practice. Upon making your reservation, we suggest you ask for the total amount of the authorization.
A pending transaction cannot be disputed because it isn't final. The transaction may change or may never post to your account if the merchant does not finalize it. If you have questions about or do not recognize a pending transaction, check with any secondary or authorized users on your account to see if they made the transaction. If you still have questions, contact the merchant for details. Once the transaction has posted, if you still do not agree with the transaction, please contact Cardmember Service at 833.396.7253.
Payments
AutoPay allows you to schedule payments to be made automatically to your Ameriprise Visa Signature Card account on a recurring basis from a checking or savings account. Your credit card bill is paid each month according to the schedule and amount you specify when you set up AutoPay. You'll never need to worry about due dates or missed payments.
You are required to view the AutoPay Terms and Conditions during the AutoPay setup process. After setup has been completed, log in to the secure site at ameriprise.com and select your credit card under the Cards and Lending section. Go to the Payments page, choose to View AutoPay Setup, then click on “View AutoPay Terms and Conditions” link to print a copy for your records.
When you choose “Make A Payment” you are scheduling a single payment to be made on a specified date. By setting up AutoPay, you are scheduling recurring payments to be made automatically every month to your credit card.
Your bill is paid each month on the day you select during enrollment. If this day falls on a Saturday, Sunday or holiday, the payment will be posted on the next business day.
Past authorizations can be viewed by clicking on “View Payment History” and future authorizations can be viewed and modified by clicking on “View AutoPay Setup.” Please note that payments will not be located in the Payment History until after the chosen payment date.
You can change your AutoPay payment amount or payment date within "View AutoPay Setup." Select “Edit” or “Delete” under the AutoPay Setup table.
Your AutoPay payment will display as "pending" after your monthly statement is produced up until two business days prior to your scheduled payment date. Within two business days, your payment is moved from "pending" to "processing" while a permanent record is created that will post in your transaction history on your payment date. Once a payment displays as "processing," changes cannot be made to this payment.
Yes. You can make additional payments by clicking “Make A Payment” for either today or a date in the future. Additional payments can also be made by mail or by calling Cardmember Service at 833.396.7253. Additional payments will not change the amount of your AutoPay payment.
AutoPay can be canceled within "View AutoPay Setup." Select “Delete” under the AutoPay Setup table.Your payment will be made on the next business day. For example, if your payment is set up for the 30th of every month, in February your payment would be made on the first business day in March.
Yes, if you currently receive a statement in the mail, your paper statement will reflect the AutoPay amount each month. If you receive your statements online, your online statement will reflect the AutoPay amount each month.
If you have a balance remaining on your account when it is closed, your AutoPay service will continue until you modify or cancel it. If your account has a $0 balance at closing, no further action is required to discontinue AutoPay.
Payments can be changed within “View Payment Schedule” on the Payments page by selecting “Edit”. Modifications are allowed up until 7 p.m. CT the day your payment is scheduled to be made. If this day falls on a Saturday, Sunday or holiday, the payment will be posted on the next business day.
Payments can be canceled within “View Payment Schedule” on the Payments page by selecting “Delete”. Cancellations are allowed up until 7 p.m. CT the day your payment is scheduled to be made.
If you have questions regarding your payment, please contact Cardmember Service 833.396.7253.Account Alerts
Account Alerts are opt-in notifications that notify you via email or text when specified account activity occurs.
- Notification that the online statement is available for viewing.
- Notification when your balance exceeds the amount you specify.
- Notification of when your payment is due.
- Notification when a payment is posted to your account.
- Notification when your payment is overdue.
- Notification when credits are posted to your account.
- Notification when debits are posted to your account.
- Notification when a transaction authorization has been made to your account.
- Notification when a transaction has been made without the card being present.
Check to make sure your email addresses and mobile number are correct. Sometimes Internet Service Providers deliver the alert to your "Bulk" email box. To ensure that you receive your Account Alerts, please add us to your address book. If you continue to have problems, please call Cardmember Service at the number on the back of your card.
Check to make sure your email addresses and mobile number are correct. Sometimes Internet Service Providers deliver the alert to your "Bulk" email box. To ensure that you receive your Account Alerts, please add us to your address book. If you continue to have problems, please call Cardmember Service at the number on the back of your card.
You can deactivate your Account Alerts by going to the Alerts page and deleting the alert.Yes. Only the last four digits of your account number are sent in an Account Alert. However, if alerts are being sent to your mobile device and that device becomes lost or stolen, you can deactivate your Account Alerts by going to the Alerts page. This will stop the alerts from being sent.
To protect your security and privacy, and ensure it is not viewed by anyone else, we strongly suggest that you close your browser immediately after reviewing your Account Alerts.
Yes. You can view the history of the alerts that were sent to you by looking at the Alert page. The history of your alerts is saved for 90 days.
We may send alerts multiple times a day to ensure you receive timely information regarding your accounts. Many alerts are delivered when an actual transaction posts to your account; some of your transactions post to your account in real-time, while other transactions only post once a day. You can expect to receive alerts no later than one business day from the triggering event. If you have any questions, please call Cardmember Service at 833.396.7253.
Additional Questions
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
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.
Ameriprise Bank, FSB administers all operational aspects of the Rewards Program. Please visit ameriprise.com/rewards for the Ameriprise Rewards Program Terms and Conditions details. Offers are subject to change.
You may not use your Ameriprise ® Visa Signature ® or 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.
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC. (“AFS”). Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. AFS financial advisors may receive compensation for selling bank products.
Ameriprise Bank, FSB. Member FDIC.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise ® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.
© 2024 Ameriprise Financial, Inc. All rights reserved.
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
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.
