At a merchant or store, you can use your Visa® or Mastercard® Incentive Card by selecting “credit” at the merchant’s card terminal.  Also, you may obtain a PIN (personal identification number) by calling the customer service number on the back of your card and following the automated instructions.  Once you have a PIN you can select “debit” at the point of sale.  If you are making a purchase online or over the phone, just make sure the billing address you provide matches the one registered to your card.  All of these options are subject to transaction fees. 

You may register your Incentive Card online at YCNcard.com. Registering your card will provide the additional security required to allow you to check your balance, view your transaction history, use your card for phone and online purchases, and request a replacement card should your card become lost or stolen. Keep in mind, there will be an $8.00 fee assessed to your card balance to replace your card.

You can use your card everywhere debit cards are accepted in the U.S.  Just look at the checkout for the brand mark that matches your card  - Visa® or Mastercard®. Plus, your card can also be used for online and phone purchases when registered.

Let us know!  If you notice transactions on your account that you have not made, call the customer service number on the back of your card immediately.  A live agent will follow a standard dispute process to investigate the fraudulent transactions and help remediate the situation.

If your card has been lost or stolen, call 855-895-7555.  A live agent will walk you through obtaining a replacement card.  A lost or stolen Incentive Card cannot be replaced if the card was not registered via YCNcard.com.  Keep in mind, there will be an $8.00 fee assessed to your card balance to replace your card.  It may take up to 10 business days to receive your replacement card.

Yes, you will need to activate your card by calling 1-855-895-7555 or by logging on to YCNcard.com.

You can get your card balance and a list of your transactions by logging into YCNcard.com or by calling customer service at the number on the back of the card.

You cannot reload your Incentive Card.

No.  It is for point-of-sale, online and phone purchases only.

Yes, your card can be used domestically or internationally*. Your card will be accepted worldwide, excluding current OFAC-sanctioned or prohibited countries. The official list of these countries can be found at YCNcard.com/prohibited-countries.

 *Foreign transaction fees apply – see Cardholder Agreement for details.

There are a few fees to keep in mind.  Take a look at the Cardholder Agreement that you received with your card for applicable fees.

Yes, but keep in mind many service-oriented merchants automatically factor in an additional percentage to cover any gratuity you may leave or incidental charge you may incur.  When using your card at restaurants, it’s best to have an available balance that is 20 percent greater than your bill, and when using your card at hotels and car-rental agencies, check with the merchant to find out how much, if any, they over-authorize their transactions.

Yes, however, an authorization of at least $100 may be held on your account.  This authorization may not be removed from your account for several days.  To avoid this over-authorization, simply pay for your gas inside the service station.

Yes, it’s possible but only if the merchant allows split-tender transactions.  A split-tender transaction is when the payment is split across multiple methods.  Depending on the merchant’s policy, you can request a split-tender transaction – just use an additional card or alternative payment method to cover the remaining cost of the purchase beyond your card’s balance.  Keep in mind, some merchants may only allow you to do this if the second method of payment is cash or check.  Also, online and most mail-order merchants do not permit split-tender transaction.  There is no guarantee that every merchant will accept two forms of payment.

When making a purchase in-person, the merchant may have attempted to process the purchase for a greater amount than what is available on the card.  If this happens, ask the merchant to split the payment across multiple methods.  You can only spend what is loaded on your card – any amounts beyond that will cause a decline.  For additional help, you can contact customer service at the number on the back of your card.