We’re here to help you make the most of your account and how to manage it.

Using Your Credit Card

Using your card for monthly bills, everyday purchases and within digital wallets is easy.

Understanding Benefits

Confidently use your credit card with Zero Liability3 and FICO® Credit Score access.

Paying Your Bill

Account payments are easy with many convenient options.

Additional Services

Learn how to add an authorized user, request a credit increase and more.

Lincoln Visa

Earning Lincoln Access Rewards™ Points

Turn your everyday purchases into Points. You’ll earn Lincoln Access Rewards™ Points that can be redeemed toward discounts on Lincoln Purchases like your next Lincoln Vehicle, Lincoln Service and Maintenance, and Lincoln Parts.

Your Points add up fast

Wherever the road leads, your card will help you earn on every purchase from the dealership and gas station to restaurants and parking.

  • 5% Back in Points1 on Lincoln Dealership Purchases
  • 3% Back in Points1 on gas, travel, dining and entertainment purchases
  • 1% Back in Points1 on All Other Purchases
  • 10% Back in Points1 on Lincoln Service ‐ That's 5% Back in Points on Lincoln Dealership Purchases plus 5% Back in Points with Lincoln Access Rewards™

Pick up more Points along the road ahead

You’ll earn a $200 Annual Statement Credit1 when you spend $6,000 in 12 consecutive billing cycles from account opening.

Fully loaded benefits

Your card also comes with Everyday Special Financing with 0% APR2 for 6 billing cycles from the date of purchase on Lincoln Dealership purchases over $499. After your 6 billing cycles expire, your APR will then go to the Eligible Purchases Variable APR based on the Prime Rate. See your Rates and Terms Schedule for details.

Important Information

Please see your Rates and Terms Schedule for important information on rates, fees, costs, conditions, and limitations.

We reserve the right to change your account terms for reasons described in your Cardmember Agreement.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases form the date those purchases were made, unless your new purchases are subject to a 0% interest rate.

1 See your Lincoln Access Rewards Visa® Terms and Conditions for details. Points are not redeemable for cash. Please see the Lincoln Access Rewards Program terms and conditions at LincolnAccessRewards.com for information regarding expiration, redemption, forfeiture and other limitations on Lincoln Access Rewards Points. Must be enrolled in Lincoln Access Rewards.

2 For additional information about Annual Percentage Rates (APRs) fees and other costs, see your Rates and Terms Schedule.

3 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit visa.com/security.

FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries.