|Reward formula||Purchase limitation||Cap on rewards||Expiration||Annual fee|
|One point for every $2 in eligible purchases.||Signature-based only. PIN-based transactions do not earn rewards.||No limit||3 years||$0|
|Once 5,000 points have been earned, they can be redeemed for gifts and gift cards on the Points2U website or by calling the redemption center.
Bankrate.com surveyed the largest banks and thrifts in the top five markets in the country plus the top five credit unions to find out what debit card rewards programs are available and how they work. The survey was taken from Aug. 22 to Sept. 9, 2011.