Texas Capital Bank Client Support will be closed for Labor Day on Monday, September 2, 2024. We will be back to our normal 8:00 AM to 6:00 PM support hours on Tuesday, September 3, 2024.

System maintenance is scheduled to take place on Saturday, September 14, 2024, from 7:00 a.m. CT to approximately 7:00 p.m. CT. During this time, some services may have reduced functionality, including access to the call center.

Commercial Card Rewards Program Terms & Conditions

This Commercial Card Rewards Program Terms and Conditions (the “Terms and Conditions”)  governs Texas Capital Bank’s (“TCB”) Commercial Card Rewards Program (the “Rewards Program ”) offered to the Customer (or “you”) identified in the Commercial Card Agreement as amended (the “Agreement”) executed between the Customer and TCB, which is incorporated herein by reference. Unless otherwise specified herein, capitalized terms have the same meaning as defined in the Agreement. By executing the Agreement and/or by receiving the Bank Corporate Travel Card, Customer and its Cardholders agree to be bound by these Terms and Conditions.

Who is Eligible to Participate in this Rewards Program 

To participate in the Rewards Program, you must receive a Bank Corporate Travel Card (“Travel Card”) issued under a Commercial Card Program offered by TCB, your associated Account tied to the Travel Card must have an open status, and the Travel Card must be available to make Purchases (defined below). TCB reserves the right, in its sole discretion, to determine whether a particular Account or Cardholder is eligible to participate in the Rewards Program.  

Enrollment in the Rewards Program 

Your Account associated with your Travel Card will be enrolled in the Rewards Program upon request. 

How to Earn Points

After your Account is enrolled in the Rewards Program, you will earn Points for all eligible Purchases. Eligible Purchases include the purchase of goods or services using your Account minus merchant credits and plus or minus appropriate purchase adjustments posted to your Account. Purchases do not include (and you will not earn Points for): 

  • (A) Interest, annual membership fees, balance transfers, transactions made at or with a financial institution (such as purchasing gift cards, money orders, traveler’s checks, or making loan payments), cash advance transactions (including ATM disbursements and automated teller or cash equivalent item transactions), and any fees and charges assessed on your Account; or 
  • (B) Purchases made at merchants with restricted Merchant Category Codes.

Redeeming Your Points

Earned and redeemed Points will be reflected on your monthly Account statement and earned Points will be available for redemption the next day after they are earned. To redeem your Points, visit the TCB Rewards Center at corprewards.texascapital.com. Your Account must be in good standing to redeem your Points. If your Account closes, you have 60 days to redeem Points.  

Limits on Redeeming Your Points

If your Account is 60 days delinquent with payment, or 60 days after Account closure, any Points earned but not redeemed are immediately and automatically forfeited. 

Upon the beginning of any proceedings by or against you under any bankruptcy, insolvency law, or credit revocation, Points cannot be redeemed.

Other Important Information About the Rewards Program 

Points do not expire while your Account is open in good standing.

Points can only be redeemed as provided in these Terms and Conditions.

You may not transfer unredeemed Points to another account, even if the other Account is in your name.  

Earned and redeemed Points will be reflected on your monthly Account statement. 

TCB, in its absolute and sole discretion, determines the monetary redemption value of the Points. Points earned on your Account have no cash or monetary value until redeemed. All Point redemptions are final. 

TCB reserve the right to alter, change and/or terminate, at any time and for any reason, these Terms and Conditions and/or the Rewards Program, which may result in the cancellation of unredeemed Points, without any responsibility or compensation to you. In addition, TCB reserve the right to immediately disqualify you from the Rewards Program if you have violated these Terms and Conditions or if you have, in our sole determination, engaged in, or intended to engage in misuse, abuse, or gaming of the Rewards Program. Termination of the Agreement, violation of these Terms and Conditions, or disqualification from the Program for any reason, including for misuse, abuse, or gaming of the Rewards Program, may result in, without limitation and without prior notice, any or all of the following: (i) forfeiture of any unredeemed Points; (ii) suspending or closing your Account; or (iv) taking legal action to recover the cash equivalent of previously redeemed Points and to recover TCB’s monetary losses, including litigation costs and damages. Your misuse, abuse, or gaming of the Rewards Program is a material breach under the Agreement permitting TCB to terminate these Terms and Conditions as well as the Agreement immediately. 

These Terms and Conditions supplement, but do not replace, the Agreement for your Account. The Agreement for your Account will continue to govern your Account. The Agreement also will govern the Rewards Program unless there is an express conflict between the Agreement and these Terms and Conditions. If there is an express conflict between the Agreement and these Terms and Conditions, the Agreement will govern in matters related to your Account other than matters related to the Rewards Program, and these Terms and Conditions will govern in matters related to the Rewards Program. In any event, the Credit Card Agreement will govern the Rewards Program with respect to the law that applies to the Rewards Program, the resolution of legal claims through individual binding arbitration, and the waiver of any right to a trial by jury for any dispute that is not arbitrated. 

You are solely responsible for determining any tax liability for your Account and you agree to be liable for all such taxes and to indemnify TCB against any claim, or any expense associated with such a claim, for payment of any taxes. The Rewards Program is void where prohibited by applicable federal, state or local laws. 

Disclaimers and Limitations 

TCB’s waiver on any one occasion of any Customer obligations herein shall not be construed as a bar or waiver by TCB of any rights or remedies on future occasions. No waiver shall be valid unless in writing and signed by TCB. No delay or omission by TCB in exercising any right or remedy under these Terms and Conditions or applicable law shall impair such right or remedy or be construed as a waiver of any such right or remedy.

TCB and any of our service providers, including Visa U.S.A. Inc., are not responsible for any disputes between or involving Cardholders relating to Points, or the redemption of Points. You hereby release and hold TCB, Visa U.S.A. Inc., and all parties associated with the Commercial Card Program harmless from any claim, liability, or damage relating to the Rewards Program. 

Privacy 

All information collected about you in connection with the Rewards Program is subject to TCB’s privacy policy, which can be found at www.texascapitalbank.com/helpful-information/privacy-security-center.