FAQs on Rewards Program

If you have an existing M&I Credit Card or M&I Check Card it may be upgraded to a M&I Rewards Credit Card or M&I Rewards Check Card to earn points.

Contact your M&I Personal Banker for your M&I Rewards Equity Card.

The M&I Check Card is not available for M&I Cash Back Checking account holders.

No. Only M&I Rewards Cards earn points, including the M&I Rewards Credit Card, M&I Rewards Check Card and the M&I Rewards Equity Card.

Credit Cards

You earn 1 point for every $1 you spend with your M&I Rewards Premier Credit Card or 2 points for every $3 you spend with the M&I Rewards Credit Card.

Check Cards

You earn 1 point for every $2 you spend with your M&I Rewards Check Card. PIN purchases, ATM transactions, cash advances and balance transfers do not earn points. Non Rewards M&I Check Cards do not earn points.

Equity Cards

You earn 1 point for every $1 you spend with your M&I Rewards Equity Card.

No. Unlike with other programs, M&I Rewards has no monthly or annual point limits. By offering you three different ways to earn points, we want you to earn as many points as possible.

Start earning points as soon as you user your new M&I Rewards Credit Card, M&I Rewards Check Card, or M&I Rewards Equity Card. The current point total is the number of Rewards points earned during the prior month less those points redeemed and/or including any point adjustments made to the account from the prior business day.

Yes. Provided your accounts share the same primary Social Security number, your points are combined automatically. We encourage combining points since it's the fastest way to accumulate points and redeem them for M&I Rewards^SM.

Points may be tracked either within M&I Online Banking or by calling the Rewards Service Center at 1-800-610-8987. The current point total is the number of Rewards points earned during the prior month less those points redeemed and/or including any point adjustments made to the account from the prior business day. Personal bankers at M&I branch locations do not have access to your points balance.

Redeem points for valuable rewards like free travel on major airlines with no blackout dates. You can also redeem points for cruises, hotel stays, car rentals, and gift cards to popular stores and restaurants — and more! Browse the full list of choices in the M&I Rewards catalog.

Yes. Points expire four years from the end of the calendar quarter in which they were originally earned.

Travel redemptions start at just 12,000 points. You can travel on all major airlines with no restrictions — a great perk that few other programs offer. Unlike frequent flyer programs that restrict the number of seats per flight, M&I Rewards offers options that allow you to fly as long as there is an open seat on the plane. No restrictions means greater flexibility when making travel and vacation plans.

No. With M&I Rewards, there are no hidden redemption fees.