Cards are issued by Landmark Credit Union pursuant to a license from Visa USA Inc. Points will be earned based on your qualifying net purchases (purchases minus returns and/or other related credits). Limited to accounts in good standing. An account will be disqualified if it becomes past due 60 or more days. You do not earn points for advances, balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Merchant designation as "gas" or "restaurant" is based on specific codes used by the credit card network; Landmark is not responsible for merchant designations and point allocation cannot be changed.