Feb 10, 2026 / Uncategorized
You know that feeling when you find a crumpled $20 in last winter’s coat pocket? Orange Rewards is basically that, except it happens every single time you swipe your Utah First debit or Orange Platinum Visa credit card. Orange Rewards is our way of thanking you just for using your Utah First accounts, treating you to boutique perks the Utah First member way!
Whether you’re grabbing a drink at the gas station or booking a flight, you’re racking up points that turn into fun stuff for future you. Let’s break down how Orange Rewards works and why it’s about to become your new favorite part of your Utah First account.
Earning Orange Rewards points was made to be the easiest part of your day. You can do it with your Utah First debit, credit, or business credit card just by using it on things you already buy!
When you’ve got Orange Platinum power in your pocket, every dollar you spend gets you 1 point. That’s it. That’s the whole formula! Grabbing dinner with friends, upgrading your ancient laptop, or giving into that targeted ad while browsing the internet (we don’t judge)… it all gets you points.
And the beauty of credit card points is that you can use it for bigger charges, too — like that new couch or car repair — pay it off right away, and rack up larger point totals. It’s basically getting paid to spend money you were going to spend anyway, which feels like a tiny win every time.
Don’t have the Orange Platinum card? It’s not too late to apply… but if credit’s not your thing, your debit card earns the same rewards with Utah First Personal Checking! Maybe you’re working on building credit, or you just prefer the “money leaves my account immediately” vibe for budgeting.
Either way, you’re not missing out on rewards. You’re just earning them straight from your checking account like the financially savvy member you are. Just run your transactions as a credit instead of entering your pin, and boom — 1 point earned for every dollar you spend, just like Orange Platinum. Pretty cool, right?
Got a side hustle, freelance gig, or small business? Your Utah First business credit card is in the points club, too, earning you 1 point per dollar on all your business expenses. Office supplies, software subscriptions, client lunches, website hosting, equipment purchases — it all counts.
And here’s the kicker: business expenses are often tax-deductible (talk to your accountant, obviously), which means you’re getting rewarded twice for the same purchase. That’s about as close to a financial cheat code as you’re going to find.
Plus, your business card points go into the same Orange Rewards pool as your personal cards, which means your QuickBooks subscription is literally helping you fund your personal vacation! It’s beautiful, really.
You’re already spending money on stuff you need (and stuff you don’t technically need but definitely want). Why not get something back for it?
Here’s how your totally normal, not-even-trying-to-optimize-anything routine builds up your points balance:
Add it all up over a few months, and you could easily be sitting on thousands of points to turn into a weekend trip, a pile of gift cards, or a nice chunk of cashback from doing what you were going to do anyway.
We’re so glad you asked! Utah First members love Orange Rewards because it’s so effortlessly boutique. In other words, you’re not stuck choosing between a credit union-branded ice cream scoop and a desk calendar with generic stock images of Utah.
They’re your points, so you can spend ‘em on whatever makes you happy! We’ve got a few suggestions to get you dreaming of the possibilities.
Gift cards are one of our more popular redemption options. Target, Amazon, Starbucks, restaurants — we’ve got all your favorite shopping and dining hotspots! Whether you want to knock out your holiday shopping, treat yourself to a movie night, or upgrade your wardrobe, the options are basically endless.
Plus, gift cards have a psychological benefit that cashback doesn’t. They feel like “fun money” rather than regular budget money. When you redeem points for a nice dinner gift card, you’re way more likely to actually go have that nice dinner, rather than letting the cashback disappear into your general fund where it gets absorbed by groceries and utilities.
Sometimes, you just want cold, hard cash (or, you know, a statement credit). Totally valid. Orange Rewards lets you redeem points for cashback via direct deposit — real money that hits your account and becomes part of your regular funds. Cashback is extra helpful when:
Dreaming of a beach vacay with cute little umbrella drinks? Your rewards can help you book the flights, hotels, rental cars, or even a cruise to get there — whatever sounds good.
And the “unrestricted” part? That just means Orange Rewards don’t come with the annoying strings of blackout dates or the requirement to book through some clunky proprietary portal that has worse prices than everywhere else. You book what you want, when you want it, where you want to go. The points just help you pay for it.
And when you’re not stressed about maximizing some complicated airline points system or fighting blackout dates during spring break, you can just enjoy planning your trip instead of treating it like a part-time job. So, go on — make your friends wonder how you travel so much!
Most rewards programs assume you have the time, energy, and emotional bandwidth to track your rewards earnings like a part-time job. They only let you earn points on certain spending categories — but spending has to happen at just the right moment. Then, you’ve gotta activate bonus points offers to earn them. And it all applies only on months that start with the letter “J.” That’s not exactly a rewarding system.
With Orange Rewards, you earn the same number of points on every purchase, every time, with no categories, caps, or tiers — the way a rewards program should be! Spend the points as you earn, or rack ‘em up indefinitely.
Whether you’re booking a spontaneous weekend trip or grabbing gift cards for the squad, the whole process takes less time than deciding what to do for dinner.
Here’s how redemption works:
Some people pick either a checking account or a credit card and call it a day. But when you pair your Utah First Personal Checking account with the Orange Platinum Visa, you create a rewards-stacking machine and unlock the full Orange Rewards experience. Why pick one when you can have both?
Suddenly you’re not splitting your rewards across multiple programs and hoping you’ll eventually have enough in each one to redeem for something worthwhile.
Here’s what you’ll love:
When your checking account and credit card are on the same team, your money serves you better, and your rewards stack faster. It’s a win-win situation!
Get Personal Checking
Apply for Orange Platinum
Orange Rewards isn’t trying to be complicated or exclusive. It’s straightforward: spend money on your regular life, get points for it, redeem those points for splurging opportunities. Whether that’s funding your next adventure, treating yourself to something nice, stacking up gift cards to give as gifts, or just padding your wallet with some cashback when you need it — Orange Rewards has your back.
Don’t wait to start stacking. Open your Utah First Personal Checking account, snag an Orange Platinum Visa, and watch those points roll in. Your future self will thank you, probably from a beach somewhere. Or a concert… or wherever you decide to use your points. That’s the beauty of it.