How to earn ScoreCard Rewards points

Gold & Platinum Cards: Earn points using your Gold or Platinum card. 

Debit Cards: Earn points when using your debit card to make a signature purchase. When asked if you are paying credit or debit, say, “Credit!” or choose “Visa Credit” in the terminal. Earn points whenever you pay without putting in your PIN number. 

Household Points to Earn Faster: Do you or someone in your household have another Ardent Platinum, Gold or a Debit Card? Combine the points from both cards to earn rewards even faster! 

There’s no limit to how many points you can earn, and you have four years to redeem the points you earn.

Summer 3x Points Promo

Prices are up this year, so we’re giving you a little extra on your everyday expenses. All gas and grocery purchases made using your Ardent Visa® credit and debit cards earn 3x ScoreCard® rewards points between Memorial Day and Labor Day 2022.

  • Earn 3 points for every $1 spent on gas/groceries using your Ardent credit card through September 5, 2022
  • Earn 3 points for every $2 spent on gas/groceries using your Ardent debit card through September 5, 2022

Go to ScoreCard Rewards


Checking accountholders can request a debit card by completing an online application.

Login to see how many points you have by signing into your ScoreCard Rewards account at any time.

Gold and Platinum cardholders will see points totals on their credit card statement. Debit card points are included on monthly account statements.

Not registered for ScoreCard Rewards yet? Register to see if there are already have points waiting for you!

ScoreCard has it all! Log in anytime to redeem your points for free rewards OR choose to Pay with Points and save on everyday purchases.

Redeem your points for:

  • Cash1
  • Merchandise
  • Travel
  • Music
  • Gift Cards
  • Charity Donations
  • Tickets
  • And more!

ScoreCard redemption options are continually updated, so check back often. Don’t have enough points yet for the reward you want? Add it to the wish list in your account!

Pay with Points

Premium Payback: Redeem points for cashback on everyday purchases or pay with points at checkout with select merchants. In your ScoreCard account, enroll to be automatically notified when you can redeem your points for cash.

Pay with Rewards from PayPal2: Pay with points when shopping online by adding your Ardent card to PayPal as your default payment method. When you select PayPal at checkout, choose to apply points to your purchase.

1Platinum cardholders only. After selecting the redemption amount, your cash will automatically be deposited into your Ardent Savings Account.
Pay with Rewards is not eligible for purchases that include recurring billing, in-store transactions, non-U.S. dollar transactions or peer-to-peer (send money) transactions.

How to Register:

  1. Grab your card and go to Click Create Account.
  2. Follow the prompts to enter your account information.
    • Create your username and password.
    • Choose your security questions.
  3. Confirm your account with your email or phone number.
  4. The first time you log in, you will receive an additional account verification prompt to either send a one-time code to your email address on file or receive an automated call to your phone number on file.
  5. Once logged in, view your points total and shop your rewards!



Email us at with any general rewards questions.