Spend. Earn. Live.

ONE VIP Rewards features

Enjoy ONE VIP Rewards and earn 1 point for every $2 spent on your purchases.

Spend using your ONE VIP card, earn points on qualified 1. purchases you make and live a rewarding life.

1. Qualified Purchases are purchases that post to your account less any credits, returns or other adjustments that are not payments. Qualified Purchases do not include: the purchase of Monetary Instruments and cash equivalents, ATM Cash Disbursements. Further details on what constitutes a Qualified Purchase can be found in the Terms and Conditions of our rewards program.


With ONE VIP Rewards, here’s what you get:

  • Earn unlimited Cash Back or pay your points forward by donating them to Urban One Community Works (U1CW). U1CW will use the donations to support selected charities supporting people of color such as The Innocence Project for criminal justice reform, the National Black Justice Coalition serving LGBTQ/SGL communities, and Howard University, recirculating Black dollars in the Black community.
  • Load $500 per month and spend $500/month and we’ll donate $10 to U1CWs to support selected charities 2
  • Access to Ampre, our exclusive shopping network for in-store & online bonus point offers that you can search by zip code or use in-store at participating merchants.

2. Cardholders must be continuously active for 4 months

Earn even more.

With the ONE VIP card you can also earn 1.5 points for every $1 spent with your favorite brands:

  • Lyft
  • GrubHub
  • Seamless
  • Uber
  • Postmates
  • Tidal
  • Hulu
  • Sephora
  • Apple ® Music
  • Starbucks
  • UberEats
  • Whole Foods
  • Netflix
  • DoorDash

*Merchants are subject to change

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