Achiever Circle
Exclusively for Achiever Circle clients
Earn 25,000 Ameriprise Rewards points when you deposit $50,000 into a qualifying account. Learn about Ameriprise Rewards.
Don't have an Ameriprise World MasterCard®?
Earn an additional 25,000 rewards points when you open an Ameriprise World MasterCard and spend $500 in the first 90 days.
Recognizing your financial achievements with the benefits you deserve
As an Ameriprise client, you can benefit from a full range of financial products and services designed to meet your unique needs. As you achieve your financial goals, you may be eligible to be part of our Achiever Circle program. This program rewards you for your financial progress with exclusive benefits to help put your dreams and goals more within reach.
Here are just a few of the exclusive benefits available for Achiever Circle clients. Talk to your advisor to learn more about the opportunities available for our high-value clients.
| Achiever Circle $100,000-$499,999 in eligible assets |
Achiever Circle Elite Over $500,000 in eligible assets |
|---|---|
| Ameriprise ONE® Financial Account The annual account fee ($80) is waived when a client direct deposits $9,000 or more per quarter. |
Waived Account Fees Pay no annual fees on your Ameriprise ONE® Financial Account ($80) or your Ameriprise IRA plans ($40) |
| Ameriprise World MasterCard® credit card with Ameriprise Rewards Achiever Circle clients can earn 25,000 rewards points with this no annual fee credit card. |
Ameriprise World Elite MasterCard® credit card with Ameriprise Rewards Annual $150 fee waived credit card with complimentary Airport Club access, a $300 value. |
| Home Equity Line of Credit Save $50 on your home equity line of credit. |
Home Equity Line of Credit Annual account fee waived ($50) and receive a 0.25% rate discount off of our standard rates. |
| Cash-Back Value Apply your Ameriprise Rewards cash-back value to an Ameriprise investment account or financial planning fee |
Priority Client Service Our highest level of priority phone service to complement the service from your advisor. |
| Credit Monitoring Service Save over 20% on identity theft and credit monitoring services through Equifax. |
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DISCLOSURES
Achiever Circle Program Terms
Ameriprise Financial Services, Inc. (“Ameriprise Financial”), Member FINRA and SIPC, may terminate this program and/or any associated offers at any time and reserves the right to modify, change or alter the terms and conditions of the promotional offers at its sole discretion. You should make investment decisions based on your investment objectives, risk tolerance and financial position and not on the basis of any offer.
Program eligibility. Eligibility for recognition is achieved through maintaining a household investment level with Ameriprise Financial of $100,000 to $499,999 for Ameriprise Achiever Circle, and $500,000 or more for Ameriprise Achiever Circle Elite.
Maintaining your Achiever Circle status. You must maintain an investment level with Ameriprise Financial as defined above to continue to be recognized at, and be eligible for, Achiever Circle or Achiever Circle Elite level benefits. If your household balance falls below a certain threshold, you will no longer be eligible for Achiever Circle benefits, as follows: If your household balance falls below $400,000 and remains below $400,000 for 12 consecutive months you will no longer be recognized at, or be eligible for, Achiever Circle Elite benefits. If your household balance falls below $80,000 and remains below $80,000 for 12 consecutive months, you will no longer be recognized at, or be eligible for, Achiever Circle benefits.
Households are defined as the primary household account for an individual, his/her spouse or domestic partner, and any accounts owned for, by or with their unmarried children under the age of 21 who reside at the same address, or any affiliated trustee, custodian, etc. Individuals who have a custodial or trusteed relationship to your primary household group may gain knowledge of your Elite status through Ameriprise Financial statement branding, but will not have access to any of your personal account information. Grantors of trusts should seek advice from their tax advisors to ensure there will be no adverse tax consequences to them as a result of receiving program benefits.
Ameriprise Financial, its affiliates and third parties may use information concerning accounts owned by yourself and your primary household group to determine program eligibility and provide members of the group with paper and/or electronic statements. The types of accounts that may be included are: investment, insurance, annuity and brokerage accounts, including features linked to brokerage accounts; and networked, nonproprietary mutual fund accounts held direct-at-fund. Certain products, such as immediate annuities and deferred annuities in payout, are excluded when determining the asset balance.
Fee waivers associated with this program may have a tax impact — please consult your tax advisor. Other terms and fees may apply based on the benefits and features you select. Read all agreements carefully.
Ameriprise ONE® Financial Account. The Ameriprise ONE Financial Account is a brokerage account with cash management features. Achiever Circle/Achiever Circle Elite member status is not an exemption to the Ameriprise ONE Financial Account maintenance fee. The maintenance fee will be waived as long as you maintain assets with Ameriprise Financial of at least $500,000.
Ameriprise World MasterCard® credit card. Subject to Ameriprise Rewards program terms and conditions. Points are redeemed in increments of 10,000 for each $150 financial planning certificate. You may redeem points for 1.25% cash back into the following eligible Ameriprise® Accounts: Ameriprise® Savings Account, Active Portfolios® Account, Ameriprise® Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage Account and the Ameriprise® Personal Savings Account. Please visit ameriprise.com/ameripriserewards for the Ameriprise Reward Program Terms and Conditions for complete details. Achiever Circle and Achiever Circle Elite members can earn 25,000 Ameriprise Rewards points for spending at least $500 in net retail purchases in the first 90 days the Account has been open that are not later returned, disputed, or rescinded. The bonus points shall be awarded as follows: 1,000 points upon first use of the Account, regardless of the amount of the retail purchase transactions; an additional 24,000 points will be awarded after 90 days of your Account open date if at least $500 in net retail purchase transactions have occurred in your Account.
World Elite Cash Back Rewards Subject to Ameriprise Rewards program terms and conditions. Points for cash back redemption into a qualifying account must be redeemed in 30,000 point increments. 1,000 Ameriprise Rewards Program points will be awarded with first use of the card. You may redeem points for 1.50% cash back (1.0% cash back for Ameriprise MasterCard accounts) into the following eligible Ameriprise® Accounts: Ameriprise® Savings Account, Active Portfolios® Account, Ameriprise® Strategic Portfolio Services (SPS) Advantage Account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage Account and the Ameriprise® Personal Savings Account. Please visit ameriprise.com/ameripriserewards for the Ameriprise Reward Program Terms and Conditions for complete details.
Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the Ameriprise World MasterCard® or the Ameriprise World Elite MasterCard® credit card. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your current obligations, we may not be able to open an account for you or you may receive an Ameriprise MasterCard credit card that has no annual fee and lesser benefits. See the World Card Terms and Conditions or the World Elite Card Terms and Conditions for information about the account terms and benefits that will apply if you are not approved for a World MasterCard or World Elite MasterCard credit card. For information about the annual fee, rates, fees, other costs, and the rewards program rules and benefits associated with the use of this credit card program, please see the World Card Terms and Conditions or the World Elite Card Terms and Conditions.
You may not use your Ameriprise Financial MasterCard® credit card account (this includes the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities. We reserve the right to cancel your Ameriprise Financial MasterCard credit card account if at any time we believe you have violated this requirement.
Personal Trust Services. Eligibility – only for Achiever Circle Elite clients who appoint Ameriprise Bank, Personal Trust Services as trustee, co-trustee or agent to trustee for a new trust account. This benefit does NOT apply to a typical trust account set up with the broker-dealer. It applies only to Personal Trust Services accounts, which are held by Ameriprise Bank.
Ameriprise® Personal Trust Services is a division of Ameriprise Bank, FSB. Neither Ameriprise® Personal Trust Services nor Ameriprise financial advisors are authorized to give legal or tax advice that goes beyond the scope of its fiduciary responsibilities associated with serving as investment agent or trustee. For legal or tax matters that go beyond these roles, clients will need to consult their own legal and/or tax advisors.
Ameriprise Home Equity Line of Credit. This offer is valid as long as you maintain your Achiever Circle Elite status with Ameriprise Financial. Your APR may range from Prime minus 0.75% to Prime plus 2.25% based on a review of your creditworthiness and home value. The ongoing Annual Percentage Rate is based on the highest domestic Prime Rate published in the Money Rates section of The Wall Street Journal on the last business day of the previous month, effective the first day of the billing cycle of the current month. Ameriprise Achiever Circle Elite clients are eligible for a Preferred Rate, a reduction of 0.25% off of the standard rates. The maximum APR is 16% and the minimum APR is 4%. Financial advisor may not arrange for, promote or suggest a client to use mortgage or home equity loan proceeds to purchase securities or other investment products offered by financial advisor.
Annual Fee Waiver for Achiever Circle Elite Members: If you are an Ameriprise Achiever Circle Elite member we will waive your annual fee on a World Elite card. We reserve the right to waive your Annual Fee in any year based on factors we may determine from time to time without waiving your Annual Fee in subsequent years. If at any time you are no longer an Achiever Circle Elite member, you will be assessed an Annual Fee of $150. Please see your Cardmember Agreement for more details. Please refer to ameriprise.com or your Financial Advisor for more information about your Achiever Circle status and how this status may change.
For information about the annual fee, rates, fees, other costs, and the rewards program rules and benefits associated with the use of this credit card program, please see the Terms and Conditions.
*Eligibility - Only for Achiever Circle Elite clients who appoint Ameriprise Bank, Personal Trust Services as Trustee, co-Trustee or Agent to Trustee for a new trust account. This benefit does NOT apply to a typical trust account set up with the broker-dealer. It applies only to Personal Trust Services accounts, which are held by Ameriprise Bank.
Ameriprise® Personal Trust Services is a division of Ameriprise Bank, FSB. Neither Ameriprise® Personal Trust Services nor Ameriprise financial advisors are authorized to give legal or tax advice that goes beyond the scope of its fiduciary responsibilities associated with serving as investment agent or trustee. For legal or tax matters that go beyond these roles, clients will need to consult their own legal and/or tax advisors.
Identity theft protection through Equifax. Equifax Credit Watch, Score Watch and Equifax Credit Report are trademarks of Equifax Consumer Services, Inc. Equifax is a registered trademark of Equifax Inc., used with permission. Credit information products are provided by Equifax Consumer Services, Inc. Identity Theft Insurance underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Transaction (report only) purchases: report is available to view online for 30 days from the date of purchase and does not update. Subscription purchases: report is available to view online for 12 months from the date of purchase (unless you cancel your subscription before then) and does not update.
Offer Terms & Conditions
These promotional offers are offered as part of Ameriprise Financial’s Achiever Circle and Achiever Circle Elite loyalty programs. Ameriprise Financial and its affiliates use the Ameriprise Rewards program and pay for the associated Ameriprise Rewards points provided to Achiever Circle members to promote certain products and services. These promotional offers are valid beginning November 1, 2010. To receive Ameriprise Reward points, clients must have an open and active Ameriprise Financial MasterCard® credit card or an Ameriprise ONE® Financial Account Debit MasterCard® card or obtain one within 90 days of completing a reward point activity. Credit application and approval are required. Ameriprise Financial credit and debit MasterCard accounts must be in good standing to earn or redeem Ameriprise Rewards program points. Ameriprise Financial MasterCard credit card accounts shall not be considered in good standing for reasons that include, but are not limited to, (a) card account has been closed; (b) a payment has not been made when due; (c) a payment made to us is not honored by client’s bank; and/or (d) client does not maintain the required level of credit performance. An Ameriprise ONE® Financial Account MasterCard debit card shall not be considered in good standing for reasons that include, but are not limited to, (a) client’s account has been closed; (b) purchase activity exceeds client’s available funds; and/or (c) if the account is placed on hold for any reason. If all Ameriprise Financial MasterCard credit or debit cards associated with the rewards account are canceled, the cardholder will no longer earn Ameriprise Rewards points or be allowed to redeem outstanding Ameriprise Rewards points.
As long as an Ameriprise World Elite MasterCard credit card account remains open and in good standing, Ameriprise Rewards points will not expire. For all other Ameriprise Financial MasterCard credit or debit card accounts Ameriprise Rewards points will expire 5 years from the date the Ameriprise Rewards points were posted to the account. Ameriprise Rewards points are redeemed and will expire on a first-in, first-out basis.
This offer is not transferable or valid in conjunction with any other Ameriprise Financial promotional offer unless otherwise stated. No retroactive Ameriprise Rewards points will be awarded. Qualified accounts such as Individual Retirement Accounts (IRA’s) or Education Savings plans are ineligible to earn rewards incentives. Cardholders are solely responsible for any taxes that may be owed as a result of Ameriprise Rewards points earned and/or redeemed. Clients should consult their tax advisor if they have tax questions about the Program.
Points for cash back redemption into a qualifying account must be redeemed in 30,000 point increments. Points are redeemed in increments of 10,000 when being redeemed towards financial planning certificates. Planning certificates are non-refundable and are not redeemable for cash.
Please allow up to 8-12 weeks for Ameriprise Rewards points to be credited to the Ameriprise Rewards account. Ameriprise Rewards points earned on Ameriprise Financial MasterCard credit card transactions will be added to the reward account at the end of the cardholders’ credit card billing cycle. Ameriprise Rewards points earned on Ameriprise ONE® Financial Account MasterCard debit cards typically will be added to the reward account within one week after the date of transaction posting.
New money bonus points offer*. Achiever Circle and Achiever Circle Elite members can earn 25,000 Ameriprise Rewards points when they bring $50,000 or more of new money to an eligible non-qualified account*. Eligible accounts include Ameriprise® Strategic Portfolio Service (SPS) Advantage, SPS Advisor, Ameriprise ONE® Financial Accounts and Ameriprise® Brokerage Accounts. Eligible funds are cash or cash equivalents. Asset transfers, exchanges and direct at fund transactions are not eligible. This promotional offer is limited to one per household. To be eligible, a client’s overall Ameriprise Financial account activity in a calendar month must result in a net increase of at least $50,000. Transferring funds from an existing Ameriprise Financial account to another within 90 days of the eligible deposit are not considered an eligible increase. The client’s Ameriprise Financial account must remain open with the qualifying funding for two years from the date that the qualifying assets are first received in the eligible account. Ameriprise Financial reserves the right to charge a fee of $312.50 if these funds are withdrawn from the Firm within the two year time frame.
Ameriprise Bank CD or Savings Account bonus offer. Achiever Circle and Achiever Circle Elite clients earn one (1) Ameriprise Rewards point per month for each $100 of average daily balance in each eligible Ameriprise Bank, FSB (Bank) CD or savings account*. Non-circle members earn one (1) Ameriprise Rewards point per month for each $200 of average daily balance in each eligible Bank CD or savings account. Ameriprise Rewards points will be credited only in months when the Bank CD or savings account(s) maintain(s) an average daily balance of at least $10,000. The offer is available for deposits into the following products: Ameriprise Personal Savings, Ameriprise Advantage Savings, Ameriprise Savings and Ameriprise Bank CDs. Average daily balance is calculated by adding the eligible account’s ending balance each day and dividing by the number of days in the month. Ameriprise Rewards points earned that exceed $20.00 in value on Bank CD and Savings products will be considered taxable interest and included in the recipient’s Form 1099-INT. Value is determined by card type and cash back value being offered for the clients card type at the end of the calendar year.
Auto and home Insurance bonus points offer*. Achiever Circle and Achiever Circle Elite clients earn 500 Ameriprise Rewards points for completing a Auto or Home insurance quote. Auto and home insurance are not available in AK, LA, ME, ND, RI, WV and WY. Home, condo or renters insurance is not available in NY counties of Kings, Queens, Nassau, Richmond and Suffolk and the state of FL. Condo and renters insurance are not available in TX. Insurance coverage varies by region or state. Certain restrictions and limitations apply. This Ameriprise Rewards points offer is not valid in GA, MA, NJ or UT. Clients can earn the Ameriprise Rewards points under this offer once per year per household.
Direct Deposit bonus points offer*. Achiever Circle and Achiever Circle Elite clients earn 500 Ameriprise Rewards points per quarter for maintaining $300 or more per month in direct deposits to an existing Ameriprise ONE® Financial Account DDA (i.e. the linked checking account) for 3 consecutive months.
Online Bill Pay bonus points offer*. Achiever Circle and Achiever Circle Elite clients earn 500 Ameriprise Rewards points for activating the Online Bill Pay feature associated with an existing Ameriprise ONE® Financial Account. Clients are enrolled in Online Bill Pay after agreeing to the terms and conditions of the site and activation occurs when the client makes their first payment using the system. Clients can earn the 500 Ameriprise Rewards points once for each qualifying Ameriprise ONE® Financial Account.
Online Account Access. Achiever Circle and Achiever Circle Elite clients earn a onetime incentive of 1,000 Ameriprise Rewards points for signing up for the secure site on ameriprise.com. All other clients can earn a one-time incentive of 500 Ameriprise Rewards points for signing up for the secure site on ameriprise.com. If the client is already signed up for the secure site on ameriprise.com, they do not qualify for this offer. Clients can earn the Ameriprise Rewards points for signing up for the secure site on ameriprise.com only once per client per account under this offer. Clients need to be 18 years of age to sign up for the secure site on ameriprise.com.
Online Document Delivery*. Achiever Circle and Achiever Circle Elite Program clients with an existing Ameriprise Financial account earn 1,000 Ameriprise Rewards points for signing up for e-delivery of shareholder documents such as prospectuses and annual reports and earn another 1,000 Ameriprise Rewards points if they sign up for e-delivery of financial confirmations, consolidated statements and future document types (including but not limited to beneficiary changes and disclosure letters). All other clients with an existing Ameriprise Financial account earn 500 Ameriprise Rewards points for signing up for e-delivery of shareholder documents and earn another 500 Ameriprise Rewards points if they sign up for e-delivery of financial confirmations, consolidated statements and future document types. Clients need to be 18 years of age to sign up for e-delivery, and must have access to a computer to qualify for this offer. Clients can earn the maximum of 2,000 Ameriprise Rewards points only once per client under this offer. To be eligible for online document delivery bonus points, a client must have at least one nonqualified account registration and have e-delivery activated for that account.
*Clients must be classified as Achiever Circle or Achiever Circle Elite status at the time of, or become Achiever Circle or Achiever Circle Elite within 90 days of, completing a reward activity in order to receive reward points. Achiever Circle requires $100,000-$499,999 in eligible assets. Achiever Circle Elite requires over $500,000 in eligible assets.
Ameriprise Bank Rewards
The following points offers are offered by Ameriprise Bank, FSB, independent of the Achiever Circle program. Ameriprise Bank, FSB may terminate these offers at any time and reserves the right to modify, change or alter the terms and conditions of the promotional offers at its sole discretion.
Ameriprise World MasterCard credit card bonus points offer*. Ameriprise World MasterCard credit card members can earn 25,000 Ameriprise Rewards points for spending at least $500 in net retail purchases in the first 90 days the Account has been open that are not later returned, disputed, or rescinded. The bonus points shall be awarded as follows: 1,000 points upon first use of the Account, regardless of the amount of the retail purchase transactions; an additional 24,000 points will be awarded after 90 days of your Account open date if at least $500 in net retail purchase transactions have occurred in your Account.
Mortgage bonus point offer is limited to first mortgage and refinancing of an existing first mortgage. Offer does not apply to Home Equity Loans or Lines of credit.
Annual bonus points for spending on the card. Clients who spend equal to or greater than $30,000 on their Ameriprise Financial MasterCard credit card in a twelve-month period will receive an additional 3,000 bonus Ameriprise Rewards points.
Points earned for everyday purchases on the cards. One (1) Ameriprise Rewards point will be awarded for every $1 of “Net Purchases” made on any Ameriprise Financial MasterCard credit card or one (1) Ameriprise Rewards point for every $2 of “Net Purchases” made on the Ameriprise ONE® Financial Account Debit MasterCard card. “Net Purchases” means the transaction amount, made by a cardholder or any authorized user, minus any credits, returns, or other adjustments as reflected on the cardholders’ monthly account statements. Transactions that are not eligible include, but are not limited to, cash advances (including ATM withdrawals), PIN-based debit card transactions, money orders, balance transfers, convenience checks, drafts, fees, finance charges, purchases made on a line of credit and travelers check purchases. International transactions may take up to 30 days to post.
Ameriprise Bank, FSB an Equal Housing Lender and Member FDIC, provides deposit, lending, and personal trust products to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for selling bank products. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Some products and services may not be available in all jurisdictions or to all clients.
Investment products made available through Ameriprise Financial are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involves investment risks, including possible loss of principal and fluctuation in value.
The Ameriprise Financial MasterCard® credit cards are offered through Barclays Bank Delaware and issued by Ameriprise Bank, FSB. Upon opening, your Account may be subsequently transferred to Ameriprise Bank, FSB. MasterCard is a registered trademark of MasterCard International Incorporated, and is used pursuant to a license.
The Ameriprise MasterCard® debit cards are issued by Ameriprise Bank, FSB pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.
Ameriprise Bank, FSB an Equal Housing Lender and Member FDIC, provides deposit, lending, and personal trust products to Ameriprise Financial Services, Inc. Ameriprise Bank and Ameriprise Financial Services are subsidiaries of Ameriprise Financial, Inc. Ameriprise financial advisors may receive compensation for selling bank products. Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc. Some products and services may not be available in all jurisdictions or to all clients.
Ameriprise Financial, 589 Ameriprise Financial Center, Minneapolis, MN 55474
© 2010 Ameriprise Financial, Inc. All rights reserved.
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