Visa SavingsEdge U.S. Terms and Conditions
How Have Our Terms and Conditions Changed?
The Visa SavingsEdge Terms and Conditions have been updated to reflect new platform and program changes.
Visa SavingsEdge ® Terms and Conditions
Visa SavingsEdge is a loyalty and Merchant discount program ("Program") offered by Visa U.S.A. Inc. ("Visa" "we" and "us") to each eligible corporation, limited liability company, partnership and sole proprietor ("Business") that holds an eligible Visa Business Card (Issued on a Small Business BIN) by an Issuer participating in the Program (each a "Visa Business Card" and "Card") whose participation in the Program is accepted by Visa.
These terms and conditions ("Terms and Conditions") apply both to the Business and each individual who uses a Card through the Business ("Cardholder" and "you"). Each Cardholder must also be authorized to use the Visa Business Card by the financial institution issuing such Card ("Issuer") pursuant to the payment card agreement ("Card Agreement") between the Business and the Issuer. The Business shall be jointly and severally responsible for any use of Cards and participation in the Program by Cardholders. By participating in the Program, the Business and each Cardholder agree to be bound by these Terms and Conditions as applicable to each as provided herein.
The program provides cardholders with different offers and discounts when they use their eligible Visa Business card.
For Instant Coupons, card-linking is not required. Cardholders may click on the applicable ”get discount” (or similarly labeled) link on a Merchant offer and enter a promotion code prior to making a purchase to receive the discount at a Merchant’s website or store.
For card-linked discounts, each Cardholder must link their card and be accepted by Visa as a participant in the Program in order to be eligible for card-linked Cashback Discount Offers. Alternatively, the Business can directly link Cardholders’ Cards in the Program. Under this part of the Program, Cardholders will receive discounts from Merchants participating in the Program (each a "Merchant") each time such Cardholder uses an eligible Visa Business Card that is linked in the Program to make a purchase that meets the terms and conditions of an offer (each a "Discount Offer") and where that transaction is processed or submitted through the Visa payment system (each a "Qualifying Purchase" as more fully described below). The Card Agreement will continue to govern use of the Visa Business Card(s) by the Business and Cardholders. In the event of a conflict between the Card Agreement and these Terms and Conditions, the Card Agreement will govern except that these Terms and Conditions will govern and control with respect to all matters relating to the Program. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New York without reference to its conflict of laws provisions. The Business and each Cardholder agree that any dispute arising from or in connection with these Terms and Conditions and/or the Program shall be resolved exclusively in the state and federal courts residing in New York, New York.
The Program is intended to enhance Visa Business Cardholders’ shopping experience with features and functionality that tracks purchases, through secure and legal means, from all Merchants and delivers customized offers and messages through one or more channels of selected communication and platforms, based on one or more of the triggers described below and other triggers that Cardholders agree to. The number of triggered offers and promotional messages may vary depending on a number of factors, including the information the Cardholder provides when you linking a Card in the Program, Cardholder transaction activity, selected triggers and participating Merchants' choice as it relates to the type and number of offers to make available or messages to send and/or the type of Card the Cardholder has. In addition to the channels of communication and platforms currently available for receiving offers and messages from Visa, we may offer, and Cardholders may opt-in to, additional channels and platforms in the future.
Each time a Cardholder makes a Qualifying Card-linked Purchase with their linked Visa Business Card, details regarding transactions on the linked Visa Business Card may be monitored by Visa and shared with authorized third parties in order to deliver to the Cardholder customized offers and real time notifications of discounts earned in connection with the Program. By participating in the Program and clicking "I AGREE," Cardholders understand and agree and expressly consent that their historic transaction history (up to 13 months) and future transaction history may be accessed from their linked Visa Business Card account, used by Visa and authorized third parties to create a profile, and used for the purposes of providing the Cardholder with offers and messages fueled by insights into Cardholder interests, purchase behavior and other relevant criteria. Visa may also use and share Cardholder information on an aggregated basis for analytics, modeling and other lawful purposes.
Changes to the Program
We have the right to modify, restrict, limit, or change the Program in any way and at any time. Changes may include but are not limited to: changing the participating Merchants; changing the specific details requirements or qualifications of a Discount Offer; adding or removing Discount Offers; changing the duration of any Discount Offer; and changing these Terms and Conditions. We will notify the Business and Cardholders of material changes to the Program and/or to these Terms and Conditions by notice provided on the program website at http://www.visasavingsedge.com (the "Program Website"). Cardholders should check the Program Website from time to time for such changes. We also reserve the right at any time to suspend or cancel the Program. We reserve the right to suspend or cancel any Business' and/or Cardholder's participation in the Program without notice unless required by applicable law, including without limitation where we believe you are abusing or wrongfully using the Program. Merchants may also suspend or cancel the ability of Business and/or any Cardholder to qualify for a Discount Offer for any transaction at that Merchant without notice unless required by applicable law.
Eligibility
Businesses and authorized Cardholders in the United States that hold an eligible Visa Business Card and are in good standing are eligible to apply to link their Card(s) in the Program. We reserve the right to determine in our sole discretion whether any Business or Cardholder may link their Card(s) in the Program.
Card-linking
To participate in the Program, Cardholders must have an eligible Visa Business card.
Card-linking is not required to use Instant Coupons.
To qualify for card-linked discounts, Cardholders must be authorized by the Business to link their eligible Card in the Program and accept these Terms and Conditions on behalf of themselves and the Business. Moreover, the Business must: (a) be party to a valid Card Agreement; (b) be approved by Visa to link or authorize card-linking of one or more Visa Business Cards in the Program; (c) control Cardholder access to Visa Business Cards; and (d) agree to these Terms and Conditions. With respect to Businesses, by checking the applicable agreement box, the signatory represents that they are an authorized signatory for the Business under the Card Agreement and that the Business agrees to these Terms and Conditions. With respect to Cardholders, by checking the applicable agreement box, Cardholders represent that they are authorized to link the Card in the Program and agree to these Terms and Conditions.
In order to link Visa Business Cards in the Program, the Business and/or Cardholder must follow the instructions on the Program Website. Each Visa Business Card number must be linked separately, even if two or more Visa Business Card numbers are associated with the same credit, checking, or other underlying account. If there are multiple Visa Business Cards with the same card number, that Visa Business Card number may only be linked once. By linking a Visa Business Card number or permitting a Visa Business Card to be linked, the Business represents that the individual linking that number is authorized to link the Visa Business Card with that number. There is no cost to the Business to link a Visa Business Card in the Program or for Cardholders to use Cards to participate in the Program.
While linking a card in the Program on the Program Website, the Business and/or each Cardholder will be required to provide an email address and select a password that must be entered in order to access the Program Website. If approved, the Business and/or Cardholder, as applicable, will receive a confirmation message at time of card-linking. The Business and/or Cardholder is responsible for ensuring and protecting the security of passwords and for any activity conducted at the Program Website through its email addresses and associated passwords.
If an Issuer presents Visa SavingsEdge via an API implementation, the Cardholder experience will vary based on the Issuer or approved third party agent implementation. However, all Cardholders will, at minimum, be required to agree to program terms and conditions and complete card-linking of an eligible Visa Business card to participate.
Qualifying Purchase
The linked Business and/or participating Cardholders will receive a discount at Merchants where Qualifying Purchases that are in full compliance with the terms of the applicable Discount Offer as shown on the Program Website. A "Qualifying Purchase" is further defined as any signature-based purchase, Internet purchase, phone purchase, or mail order purchase; bill payment; contactless purchase (a purchase made by holding your Visa card or other device up to a secure reader instead of swiping your card); or small dollar purchase for which you are not required to sign, made with a linked Visa Business Card which is processed or submitted through the Visa U.S.A. Inc. payment system. Transactions of $1.00 or less are not Qualifying Purchases. Cardholders must not use a Personal Identification Number (PIN) when paying for purchases with their linked Visa Business Card if they want to receive a Merchant discount for such purchase. PIN-based purchases, purchases initiated through identification technology that substitutes for a PIN, Interlink-processed transactions, payments made for pre-paid and re-loadable cards such as certain gift cards, and similar cards; payments made for payment instruments that can readily be converted to cash (for example, travelers cheques, money orders, wire transfers, and similar products or services); or transactions that are not processed or submitted through the Visa U.S.A. Inc. payment system are not Qualifying Purchases. We reserve the right to determine in our sole discretion whether a Visa Business Card transaction is a Qualifying Purchase.
The program will present a variety of discounts and offer types that, in addition to requiring adherence to offer terms and conditions, may require different Cardholder actions in order to be an eligible, qualifying purchase.
Offer types:
In-store Cashback:
To access In-store Cashback, Cardholders must use their linked card associated with the program at a participating Merchants who provide In-store Cashback Merchant offers. Transactions must comply with the specific terms and conditions of each offer. With restaurant offers, not every location will participate in the Program, so Cardholders are advised to utilize the Merchant location search tool to confirm participating locations. Discounts will not be shown on the purchase receipt at checkout, but rather as a statement credit on the Cardholder’s future card account statement.
Online Cashback:
To access Online Cashback Offers, Cardholders must have an account within the Program and username and password credentials that allow them to log in to the program website. To qualify for Online Cashback Offers, Cardholders must login to the Program website and begin their purchase process by clicking the “shop now” button of any offer labeled ‘Online Cashback.’ By clicking “shop now,” the Cardholder will be directed to the Merchant website to complete the purchase. Cardholders must use a linked Visa business card to complete the purchase on the Merchant website within the same web session. Transactions must comply with the specific terms and conditions of each offer. Discounts will not be reflected on the sales receipt at checkout, but rather as a statement credit on your the Cardholder’s future card account statement.
With Online Cashback Offers, if Cardholders do not start their purchase from within the Program by clicking the “shop now” button within an Online Cashback Offer, the purchase will not be considered eligible and therefore will not qualify for cashback via statement credit.
Travel Cashback:
To access Travel Cashback Offers, Cardholders must have an account within the Program and username and password credentials that allow them to log in to the Program website. To qualify for Travel Cashback Offers, Cardholders must login to the Program website and begin their travel booking by clicking on a Travel Cashback offer or navigate to the Travel Cashback section of the Program website to begin their booking. Cardholders must complete their purchase and travel booking within the Program website and within the same web session using their linked card. Transactions must comply with the specific terms and conditions of each offer. Discounts will not be reflected on the sales receipt at checkout, but rather as a statement credit on a future card account statement.
Purchases made outside of the Program website will not be considered eligible purchases and will therefore not result in statement credit.
If a Cardholder uses a card that is not linked in the Program to complete a Travel Cashback purchase, Cardholder agrees that information pertaining to that specific transaction may be shared between Merchants, authorized third parties, Issuers and Visa (and/or their respective service providers) to facilitate the transaction even though, the purchase will not be a qualifying purchase pursuant to the Program and will not result in a statement credit.
Instant Coupons:
To access Instant Coupons, Cardholders do not need to link a card in the Program. Cardholders must follow the redemption instructions for each Instant coupon offer and transactions must comply with the specific terms and conditions of each offer. Instant Coupondiscounts will be applied at the time of payment. Instant Coupon discounts will not be reflected as statement credits.
Discount Offers
Each Discount Offer will be subject to additional terms and conditions specific to the Merchant. These terms and conditions may address such matters as the level of discount for the Discount Offer; the expiration date of the Discount Offer, the purchase, or other requirements; limitations; or restrictions associated with the Discount Offer. Cardholders cannot qualify for a Discount Offer once the Discount Offer is removed from the Program. Participating Merchants may offer discounts on purchases of goods or services at their physical locations in the United States, on their websites or by telephone or mail orders. The details, terms and conditions applicable to such Discount Offer are determined by us and the Merchant in our respective sole discretions. Please refer to the Program Website for additional Discount Offer terms and conditions and Program information.
Discount Offers may be subject to availability. Discount Offers are also subject to any applicable law or regulation that may restrict or prohibit certain sales, including, without limitation, the sale of goods and services in certain restricted categories. Businesses, Cardholders, and the applicable Merchant are each responsible for compliance with all laws related to the Discount Offer, including the payment and collection of any federal state or local taxes.
Statement Credits
For card-linked discounts (Online Cashback, In-store Cashback and Travel Cashback), once a Visa Business Card is linked in the Program, the discount the Business or Cardholder receives from a Qualifying Purchase will be automatically credited to the applicable participating Visa Business Card account. The credit will not appear on the receipt at the Merchant’s point of sale. The credit will be posted to the eligible Cardholder account statement for each Qualifying Purchase and will be posted on a future statement. A posted credit may be reversed in Visa's sole discretion for any returns, adjustments, or chargebacks relating to a Qualifying Purchase. The reversal of any credit will appear on a future Card statement.
For Travel Cashback Offers, eligible statement credits will appear on the Cardholder’s account statement within 60 days of completing a qualifying hotel stay or car rental period. For questions related to Travel Cashback Offer statement credits, Cardholders must submit a request through the Travel Cashback support link on the Contact Us page – found in the footer of the Program Website.
A qualifying transaction may earn up to and no more than 750 USD per transaction.
Cardholders are not eligible to receive any Discount Offers and/or statement credits while their Visa Business Card account is not in good standing. Any transactions entered into by the Business or a Cardholder during such time will not be deemed a Qualifying Purchase and forfeited from Program eligibility.
Cardholders with a linked card may also be able to view cashback received from the Program by logging into the Program Website and navigating to the Cashback Tracker.
Communications with Program Participants
The Program Website will present information regarding available Discount Offers. By using the Program Website, we may make electronic communications available to Cardholders, including through emails and/or postings to the Program Website (and mobile-based communications such as SMS messages if participating Cardholders opted in to receive such mobile-based communications). All electronic communications from us to Cardholders shall be deemed to be communications "in writing" and deemed delivered to Cardholders no later than the earlier of the date actually received or five days from the date of posting or dissemination.
By linking a Visa Business Card in the Program, Cardholder agrees to advise us of any changes in the email address(es) for the Business and/or Cardholders by updating the Business' Program profile on the Program Website. If a Cardholder would like to retain a copy of these Terms and Conditions, they may print a paper copy.
Cardholders may elect to receive information of a promotional nature about the Program via email by opting in on the Business profile on the Program website or during the card-linking process. If Cardholders elect to receive such promotional information we may, from time to time, send Cardholders promotional emails containing selected Discount Offers or other offers from select Issuers and Merchants to the respective email address(es). If Cardholders would like to change their election at any time, they may visit the Program Website to update the Business' Program profile or use the unsubscribe link contained within each promotional email.
In addition, Cardholders may elect to receive real-time SMS notifications related to cashback earned by indicating so on their My Account page or during the card-linking process. To receive SMS notifications about cashback earned, Cardholders must maintain at their own cost a mobile telephone capable of sending and receiving text messages. Standard text message rates apply to each text message sent and received in connection with this feature. Cardholders must see their wireless provider for pricing plan details. If Cardholders would like to change their election to receive these SMS communications at any time, they may visit the Program Website to update their consent from the My Account page. Please allow sufficient time for us to process requests.
Canceling Program Participation
Cardholders may cancel their participation in the Program at any time by visiting the Program Website. A Business may also cancel the participation of any Cardholder within its organization in the Program at any time by visiting the Program Website. Issuers may also elect to cancel their Cardholder participation and/or opt out of participation in Visa SavingsEdge. In the event that an Issuer elects to terminate its participation in the Program, Cardholders with a linked card (or cards) on the date that opt-out becomes effective will remain in the Program unless otherwise notified by their issuer.
Revoked statement credits based on returns adjustments or chargebacks with respect to a Qualifying Purchase made on a linked Visa Business Card may be completed in Visa's sole discretion after the cancellation of the Business' participation or a Cardholder's participation in the Program. If a Business or Cardholder closes the Visa Business Card linked in the Program, the Cardholder and the Visa Business Card no longer receive discounts as statement credits.
Please note that if an Issuer or approved third party agent offers a custom instance of Visa SavingsEdge, the process for Program cancellation may vary. If Cardholders linked their card in the Program but did not do so via the Program website (www.visasavingsedge.com), Cardholders must contact their issuer for more details on how to cancel the program.
Lost, Stolen or Damaged Cards
If a Visa Business Card linked in the Program is lost, stolen, or damaged, Cardholders must contact their Issuer at the telephone number provided in the Card Agreement. If Cardholders receive a replacement card, the replacement card may have a different Card number. To continue to be eligible for Cashback Offers, if the replacement card has a different number, Cardholders will have to link the new replacement Visa Business Card on the Program Website and remove the previously linked card from the Program.
Customer Service
For questions regarding Program features and information about Discount Offers, please visit the "Frequently Asked Questions" page and the Program Website.
If Cardholders encounter problems while linking their Visa Business Card(s) in the Program and/or while updating the Business' Program profile on the Program Website, they may contact Visa Customer Care at 1-888-466-9227.
If Cardholders have questions regarding Qualifying Purchases, Discount Offers, and/or statement credits related to the Program, they may contact Visa Customer Care at 1-888-466-9227 for investigation and/or referral to the Issuer as appropriate.
For other questions regarding their Visa Business Card, Cardholders may contact the customer service representative at the Issuer. The Issuer's contact information may be on the back of the Visa Business Card or in the Card Agreement.
Custom Instances of Visa SavingsEdge
Issuers or approved third party agents may elect to offer a customized version of Visa SavingsEdge and/or utilize partner APIs to enable Visa SavingsEdge to be offered with an app or website.
In such cases, Issuers and approved third party agents will be responsible for compliance with Applicable Data Protection Laws. Cardholders can access the privacy notice of the Issuer and third-party agents and Program Terms and Conditions so that the eligible Cardholders can know the treatment activities that will be performed by Visa within the scope of the Program. Only eligible Cardholders who do not object to the aforementioned privacy notice and terms of use will be eligible to link a card and enroll in the Program.
Disclaimers and Limitations
Visa is not responsible for resolving any questions or disputes regarding Discount Offers, the crediting of a Discount Offer to your Card account, or the handling of returns, disputes, and chargebacks with respect to a Qualifying Purchase. Without limiting the previous sentence, all questions and disputes are subject to the Card Agreement, and except as specifically set forth above under "Customer Service," must be directed to the Issuer for resolution. Any required arbitration or other dispute resolution process provided for in the Card Agreement shall apply to Cardholder participation in the Program.
Visa is not responsible for the products or services purchased through Qualifying Purchases. Cardholders may be subject to additional terms and conditions, warranties, or other requirements of the Merchant and the product's manufacturer or the service provider. Visa disclaims all representations or warranties express or implied, including, without limitation, those regarding quality, suitability, Merchant ability, fitness for a particular purpose, or otherwise with respect to the Program, Discount Offers, and any goods or services sold by Merchants in connection with the Program.
In no event shall Visa; its affiliates; or any of its directors, officers, employees, agents or subcontractors (collectively "Visa Parties") be liable under any theory of tort contract strict liability or other legal theory for lost profits; lost revenues; lost business opportunities; or exemplary, punitive, special, incidental, indirect or consequential damages, each of which is hereby excluded by agreement of the parties, regardless of whether such damages were foreseeable or whether any party or any entity has been advised of the possibility of such damages. Visa Parties are not liable for any injury; damage; or loss to person or property; or any expense, accident, or inconvenience that may arise from your participation to the Program or the use of products or services purchased through Qualifying Purchases.
Visa Parties are not responsible for any error, malfunction, or problem of any kind, whether human, mechanical, typographical printing, network or electronic, relating to or in connection with this Program, including, without limitation, errors, malfunctions, or problems which may occur in connection with the administration of the Program; the processing of Qualifying Purchases; and/or discounts or the presentation of Discount Offers. Persons found tampering with or abusing any aspect of the Program as solely determined by Visa will be removed from the Program and all associated Qualifying Purchases and/or discounts will be canceled and voided.
The Business and each Cardholder jointly and severally agree to indemnify and hold the Visa Parties harmless from and against all losses, liabilities, damages, and expenses resulting from or arising out of the Business' card-linking in the Program and the participation of any Cardholder in the Program including, without limitation, any damage relating to the use of products and services acquired though Qualifying Purchases.
By linking a Card or Cards in the Program, the Business and each Cardholder hereby release Visa Parties from any claim, liability, or damage relating to the Program or the use of any Discount Offers. The Program and/or any Discount Offers under the Program are void where prohibited by applicable law. Notwithstanding anything in these Terms and Conditions to the contrary, Visa and all providers of services to the Program shall have no liability to the Business or any Cardholder in connection with the Program.
Privacy
All personal information collected about the Business and Cardholders using the Program Website is subject to the Visa Global Privacy Notice which can be found at http://visa.com/privacy.
Visa may share aggregated information about ineligible cards submitted for card-linking in the Program with the Issuers of such cards; provided, however, that the information shared will not personally identify any cardholder.
As a part of the Program, transaction information will be shared between Merchants, authorized third parties, Issuers and Visa (and/or their respective service providers) in order to process your statement credits and to generally make the Program available to you. In addition, certain information about Cardholder clickstream activity and additional transaction and financial information may be shared between the Merchant, the Cardholder’s Issuer, and Visa on either an aggregate (non-personally identifiable) or a personally identifiable basis and such information will be subject to each recipient's respective privacy policies and practices.
Visa is a registered trademark of Visa International Service Association.