To use hotpoints Pay®, your credit card makes a purchase first. If you have turned on hotpoints Pay for your next purchase, it will automatically redeem your hotpoints when your next eligible transaction is made. Then you'll see a credit for that dollar amount come back onto your credit card account within two business days. We recommend you turn on hotpoints Pay just before the purchase you want to use it for, so you know how your points will be used. You'll also earn hotpoints on the purchase amount.

Things you should know.

hotpoints terms and conditions apply. hotpoints Pay terms and exclusions apply. Credit Card Conditions of Use for the applicable card apply. Find out more at