If you’re already using your debit card for groceries, gas, or grabbing lunch on the go, you might be missing out on rewards you’ve already earned.

With your debit card and the uChoose Rewards® program, you can turn everyday purchases into points that actually do something for you. Whether it’s gift cards, travel, or merchandise, those points add up fast, especially when you know where and how to earn them.

Let’s walk through how to get the most out of your debit card in 2026, which purchases offer the best return, and how you can start cashing in today.

How Does uChoose Rewards Work?

Ergo Bank’s uChoose Rewards program lets you earn points every time you make eligible purchases with your debit card. These points can be redeemed for a wide variety of rewards, including:

  • Gift cards to your favorite stores and restaurants
  • Travel perks like airfare and hotel discounts
  • Brand name merchandise
  • Experiences and more

To get started:

  1. Visit uchooserewards.com
  2. Register your Ergo Bank debit card
  3. Start earning points automatically on qualifying purchases
  4. Track and redeem your points anytime

Choose the “credit” option (sign instead of using your PIN) at checkout when possible, as these signature-based purchases often earn more points!

Where You Can Earn the Most Points in 2026

Wondering which purchases give you the best bang for your buck? Here’s where your debit card can work overtime this year:

1. Grocery Stores & Supermarkets

You’re already spending here — why not earn while you do it?

2. Fuel & Auto Expenses

Fill up your tank, get an oil change, or schedule a repair, it all counts.

  • Use your card at Kwik Trip, BP, or local auto shops.
  • Combine maintenance appointments to maximize rewards.

3. Online Shopping

From Amazon orders to Chewy subscriptions, many online purchases qualify.

  • Shop through the uChoose Rewards portal for potential bonus points.
  • Look for seasonal promotions where certain merchants offer extra points.

4. Dining Out & Coffee Runs

Whether it’s a weekend dinner or your daily latte, these purchases add up.

  • Local restaurants and major chains alike count toward your total.
  • Consider linking your card to food delivery apps (Grubhub, Uber Eats, etc.).

5. Seasonal Spending

Think beyond the basics:

  • Back-to-school shopping
  • Holiday gifts
  • Summer road trip expenses

Use your debit card strategically during these high-spend months.

6. Subscriptions & Monthly Bills

If you’re paying for streaming services or digital tools, you could be earning points on them, too.

Don’t Miss Bonus Point Opportunities

One of the best-kept secrets? uChoose Rewards runs seasonal promotions with select merchants.

Here’s how to make the most of them:

  • Log in to your uChoose account regularly to view bonus opportunities.
  • Subscribe to email alerts so you don’t miss limited-time offers.
  • Look out for multiplier events (e.g., “3x points at restaurants this month”).

What Can You Redeem Points For?

Once you’ve earned enough points, the fun begins. Here’s what your rewards can go toward:

  • Gift Cards – Target, Amazon, Starbucks, and more
  • Travel Perks – Hotel stays, flights, car rentals
  • Merchandise – Tech, kitchen gadgets, toys, tools
  • Experiences – Movie tickets, family activities, wellness services

It’s your money, so your rewards should fit your lifestyle.

Smart Spending Tips to Maximize Points

Here are a few simple habits that can help you earn even faster:

  • Always choose “credit” at checkout when possible.
  • Plan purchases around reward categories and double dip on necessary spending.
  • Use your card regularly, even for small purchases.
  • Watch for expiration dates on unused points.
  • Set up recurring bills to earn passively each month.

Why It Pays to Bank Local

At Ergo Bank, we believe rewards shouldn’t be confusing or out of reach. We’re not here to give you vague advice or lock you into programs you don’t understand.

Instead, we’re here, real people, real support, to help you make the most of your money with simple, smart tools like uChoose Rewards®.

Have questions? Need help registering your card? Stop by one of our branches or give us a call. We’re your hometown bank, and we’re always just down the road.

Stop by an Ergo Bank Branch

Start Earning More Today

Here’s how to make sure you’re not leaving any points behind:

Register for uChoose Rewards Learn More About Ergo Bank Debit Cards