Credit Card Benefits






Powered by Mastercard®, the Embers Credit Card is equipped with these perks†:
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Cell Phone Protection Insurance


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MasterRental


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Purchase Assurance Coverage


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Trip Cancellation Insurance

















Trip Cancellation Insurance

The kind of coverage you receive:

We will reimburse you for the nonrefundable amount paid to a
Common Carrier with your Covered Card if a Covered Loss causes an Eligible Traveler’s Trip Cancellation, subject to the cancellation provisions in effect at the time the Common Carrier is notified of cancellation.

Covered Losses:

Covered Losses include Trip Cancellations that result from Accidental Bodily Injury or loss of life or Sickness of either the Eligible Traveler, Traveling Companion or a Family Member of the Eligible Traveler or Traveling Companion.

Coverage Limitations:

The maximum benefit amount is $1,500 per. Covered Trip; and
$5,000 per Eligible Account per 12 consecutive month period.













MasterRental

The kind of coverage you receive:
We will pay for the following on a secondary basis:
  • Physical damage and theft of the vehicle, not to exceed the
    limits outlined below.
  • Reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service. Loss of use charges must be substantiated by a location and class specific fleet utilization log.
  • Towing charges to the nearest collision repair facility.
This coverage is not all-inclusive, which means it does not
cover such things as personal injury, personal liability, or
personal property. It does not cover you for any damages to
other vehicles or property. It does not cover you for any injury
to any party.






Cell Phone Protection

The kind of coverage you receive:
  • Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
  • Coverage ends on the earliest of: The date you no longer are a cardholder; the date the covered card is determined to be ineligible by the participating organization; the date the participating organization ceases to pay premium on the group  policy; the date the participating organization ceases to participate in the group policy; the date the group policy is terminated.
Coverage limitations:
Coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $600 per claim, and $1000 per covered card per 12 month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12 month period.










Purchase Assurance Coverage

The kind of coverage you receive:
  • Most items you purchase entirely with your covered card are
    covered if damaged or stolen for ninety (90) days from the
    date of purchase as indicated on your covered card’s receipt.
  • Items you purchase with your covered card and give as gifts
    also are covered.
  • This coverage is secondary to any other applicable insurance or coverage available to you or the gift recipient. Coverage is limited to only those amounts not covered by any other insurance or coverage benefit.
Coverage is limited to the lesser of the following:
  • The actual cost of the item (excluding delivery and
    transportation costs).
  • A maximum of $1,000 per loss and a total of $25,000 per
    cardholder account per twelve (12) month period.