The Callaway Bank Rewards Program

Callaway Bank Rewards Logo

Earn points on everyday debit and credit card purchases (1) that can be redeemed for gift cards, merchandise, travel packages, or donated to select local charities! All you need is a qualifying account (2) and you’re automatically enrolled in the Callaway Bank Rewards program at no additional cost!

Simply Register now to manage your points and to see the full selection of reward options!

Earn Points Faster

When you open additional qualified accounts, loans, or other select services, you can grow your Rewards Points total even faster! There are many ways to earn additional points, see the full list at

Earn 1 point for every dollar spent with your Callaway Bank Rewards Credit Mastercard or 1 point for every four dollars spent with your Callaway Bank Debit Mastercard

Shop Local – Earn Double

Shopping local is even better when you purchase at Shop Local partners because at select locations you can earn double points! You can redeem your points for merchandise, gift cards, donate points to a local charity, plus book travel options with your reward points. There’s plenty of time and ways to use your points, begin browsing today!

Shop Local, Double Points Partner: 1canoe2 Paperie, BEKS, Brooklyn Pizza, Callaway Custom Printing, Center Court, Champion Pet Salon LLC, China Palace, Columbia Healthy Smiles, Court Street Custom Framing, Cranes Country Store, Dairy Queen– Fulton, Donut D-Light, Fulton Cinema 8Fuller Jewelers and AssociatesFulton FordGarrett & Campbell, Hams Prairie Store, Jose JalapenoLilly’s Cantina, McIntire’s Florist, Millersburg Veterinary HospitalNutrishop, Playhouse Cafe, Rance’s Carpet & Cabinets, Re-Made For A Purpose, Rock ‘N RV Tack Shop, Scott’s Auto RepairSerenity Valley WineryShryock FarmsSmockingbird’s, Sweet Temptations, Tacos and Tequila, TLC Lawncare, Truescape Garden CenterTrail Boss BBQThe Mattress Store, The StationVision Arts Eyecare, Well Read, Wishflour Bakery

Shop Local Partners:
C&R Market, Forum 8, Macadoodles, Sault’s Drug Store, Scizzor’s Hair Design Columbia, Studio Seven

Register at to check your points balance and view program rules. Questions? Call 877-446-7937

How do I redeem my points?

Redeeming points is easy. You can check your point balance, shop for rewards, or redeem your points by phone at 877-446-7937 or online at

Gift Cards: Local & National

Redeem your points for gift cards to all your favorite places. Enjoy a variety of gift card options from both local and national merchants across a wide variety of categories like dining, shopping, or entertainment. Click here to see the full list of ever-changing options.


Whether you’re looking for something for yourself, or as a gift, there’s something for everyone to love with the extensive merchandise selection you can shop online, here! Categories include electronics, athletic gear, home goods, and more!

Donate your points

Pay it forward with your points! You can use your Rewards Points to donate to select local charities. The United Way, Serve Inc., The Food Bank of Central Missouri, Boys and Girls Club, and additional options are available for donations.

Travel: Deals, Packages, and No Strings

Spontaneous or planned; however you choose to travel, Callaway Bank Rewards offers a wide range of getaway destinations to suit your style. Enjoy a selection of top travel destinations, access to exclusive deals, airline tickets, hotel accommodations, car rentals, cruises, vacation packages and there are even excursion options  — all in one place.

Enjoy the freedom of: 

  •    No blackout dates 
  •    No advance notice requirement 
  •    No round-trip flight requirement 
  •    No Saturday night stay requirement 


Visit now!

(1) Tax payments and ATM withdrawals are not eligible to receive Callaway Bank Rewards. Other restrictions may apply. For full program details:

(2) Qualifying accounts: Ultimate Checking Account, Business Checking Account, and Commercial Checking Account (accounts must have an active debit card); and/or a Callaway Bank Rewards Credit Card. Accounts must be in good standing. Full details:

Callaway Bank Rewards FAQs

Who do I call for more information?

Please call our Callaway Bank Rewards Service Center at 877-446-7937 

Why can’t I access my account online?

If your rewards account is less than 60 days old, you may have to wait a brief period to get into the system. If your account is more than 60 days old and you are still having difficulty, please call our Callaway Bank Rewards Service Center at 877-446-7937.

Why is there a reduction of points?

If you returned a purchase with your Callaway Bank debit or credit card, the points are removed from your account which will result in a reduction of your points. In rare instances, it could actually give you a negative point balance.

Are Callaway Bank Rewards points transferable?

No, points are not transferable.

Do Callaway Bank Rewards points expire?

Points are good for three (3) years from the month they’re earned. Points are deducted on a first in, first out basis.

Can my Callaway Bank Rewards points be combined with points earned on other programs?

No, points may not be combined with or transferred to, other reward accounts or programs.

How do I redeem points?

You can redeem points by visiting The Callaway Bank Rewards site and selecting the rewards of your choosing, or by calling The Callaway Bank Rewards Service Center at 877-446-7937. Our Rewards specialist will take your order and you will receive your item(s) within 2-4 weeks.

When can I redeem points?

You can redeem your points at any time.

How can I check my point total?

Your point summary is available 24 hours a day, 7 days a week. You can check your points on the My Account page or by calling The Callaway Bank Rewards Service Center at 877-446-7937.

How often are my points updated?

Points are credited to your account at the end of each month, so it may take up to 45 days for points to be applied to your account. You will receive an annual paper statement or you may choose to receive a monthly Callaway Bank Rewards eStatement notification by registering online at

How do I earn points?

You earn one point for every four dollars ($4) you spend with your debit card and one point for every one dollar ($1) with your credit card. You can also earn points for signing up for online banking when you sign for a loan or open a savings account! Visit the Earning Points page or speak with a banker for a complete list of how you can earn rewards.

Where can I see all of my gift options?

You can view a full list of rewards options online on The Callaway Bank Rewards site.

Do businesses qualify to participate?

Absolutely! Businesses just need to have a Business or Commercial Checking Account with a Callaway Bank Business Debit or Rewards Credit Mastercard in order to earn rewards.

Is there a fee to participate?

There is no fee to enroll in Callaway Bank Rewards; if fact, if you hold an Ultimate Checking®, Ultimate Interest Checking, Gold Leaf Ultimate Checking, Business Checking, or Commercial Checking account with a Callaway Bank debit card, or a Rewards Credit Card, you are automatically enrolled.

What is Callaway Bank Rewards?

Callaway Bank Rewards is our way of saying “Thank You” for your business. It’s a unique program that rewards you with points for your entire relationship with The Callaway Bank – whether you save, or borrow, or make purchases using your qualifying Callaway Bank Account.

How do I manage my points?

Reward members will receive an annual print statement, or you can register online for a monthly Callaway Bank Rewards eStatement. Your current points balance is always available online, simply register at or by calling 877-446-7937.

How do I sign up for Callaway Bank Rewards?

You are automatically enrolled in the Callaway Bank Rewards program! To register or shop visit See full details.