Rewards Card TAC



Terms and Conditions/Definitions for the Sightline Discover® Reward Card

This Cardholder Agreement (“Agreement”) outlines the terms and conditions under which the Sightline Discover Reward Card has been issued to you by Sutton Bank (“Sutton Bank” or “Issuer”).  The Issuer is an FDIC insured member institution.  “Card” means the Sightline Discover Reward Card issued to you by Sutton Bank.  By accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. “Card Account” means the records we maintain to account for the value of claims associated with the Card.  “You” and “your” mean the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement.  “We,” “us,” and “our” mean the Issuer, our successors, affiliates or assignees.  You acknowledge and agree that the value available in the Card Account is limited to the funds that have been loaded into the Card Account on your behalf.  You agree to sign the back of the Card immediately upon receipt.  The expiration date of the Card is identified on the front of your Card.  The Card is a prepaid card. The Card is not connected in any way to any other account.  The Card is not a credit card.  The funds available on the Card are not insured by FDIC. The Card is not for resale.  You will not receive any interest on your funds in the Card Account.  The Card will remain the property of the Issuer and must be surrendered upon demand.  The Card is nontransferable and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law.  The Card is not designed for business use, and we may close your Card if we determine that it is being used for business purposes.  We may refuse to process any transaction that we believe may violate the terms of this Agreement.

Our business days are Monday through Friday, excluding federal holidays, even if we are open.  Any references to “days” found in this Agreement are calendar days unless indicated otherwise.

Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed.  Keep the paper in a safe place.  Please read this Agreement carefully and keep it for future reference.

Activate Your Card

You must activate your Card before it can be used.  You may activate your Card by calling 1-866-921-3341..

Personal Identification Number

You will not receive a Personal Identification Number (“PIN”) with your Card Account.

Authorized Card Users

You are responsible for all authorized transactions initiated and fees incurred by use of your Card.  If you permit another person to have access to your Card or Card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons.  You are wholly responsible for the use of each Card according to the terms and conditions of this Agreement.

Secondary Cardholder

You may not request an additional Card for another person.

Your Representations and Warranties

By activating the Card or by retaining, using or authorizing the use of the Card, you represent and warrant to us that:  (i) you are at least 18 years of age (or older if you reside in a state where the majority age is older) (ii) you have accessed a copy of this Agreement and agree to be bound by and to comply with its terms; and (iii) you accept the Card.

Cash Access

You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. 

Loading Your Card

Additional funds may not be added to your Card, called “value loading”.

Using Your Card/Features

The maximum amount that can be spent on your Card per day is $1,000.00.  The maximum value of your Card is restricted to $1,000.00.

You may use your Card to purchase or lease only goods or services everywhere Discover is accepted as long as you do not exceed the value available on your Card Account:  

The Card may not be used outside of the United States and District of Columbia, including Internet and mail or telephone order merchants outside of the U.S. and District of Columbia.  Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender.  If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card.  You must then arrange to pay the difference using another payment method.  Some merchants may require payment for the remaining balance in cash.  If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.

You may use your card to make a purchase at a gas station by going into the store and making payment to the attendant. Your card will not be accepted for payment at the gas pump. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase.  Once the final payment amount is received, the preauthorization amount on hold will be removed.  It may take up to ten (10) days for the hold to be removed.  During the hold period, you will not have access to the preauthorized amount. If your Card is declined because a preauthorized amount exceeds the available funds balance on your Card, the preauthorized amount will place a hold on all funds on your Card until the merchant releases the preauthorization hold. Until the preauthorization amount hold is released by the merchant, you will not be able to use the funds on your Card for purchases. It may take up to ten (10) days for the hold to be removed. 

If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.  For security reasons, we may limit the amount or number of transactions you can make on your Card.  Your Card cannot be redeemed for cash.  You may not use your Card for online gambling, rental car purchases or any illegal transaction.

Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees.  You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions.  Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees.

You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card.  You may not make preauthorized regular payments from your Card Account.  If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days.


Your Card will expire upon the date of expiration on the front of the card. The funds on the Card expire when the Card expires. You will not be able to use your Card after the expiration date.

Transactions Made In Foreign Currencies

Your Card may only be used to make purchases of goods and/or services from merchants physically located within the fifty (50) U.S. states including the District of Columbia.


You should get a receipt at the time you make a transaction using your Card.  You agree to retain, verify, and reconcile your transactions and receipts.

Card Account Balance/Periodic Statements

  1. You are responsible for keeping track of your Card Account available balance. Merchants generally will not be able to determine your available balance.  It’s important to know your available balance before making any transaction.  You may access your available balance by calling 1-866-921-3341.   You may choose to have a paper statement mailed to you by contacting us each time at Cardholder Services P.O. Box 98153, Las Vegas, NV 89119. However, there is a fee for this service.


We may disclose information to third parties about your Card or the transactions you make:

  • Where it is necessary for completing transactions;
  • To verify the existence and condition of your Card for a third party, such as merchant;
  • To comply with government agency, court order, or other legal or administrative reporting requirements;
  • If you consent by giving us your written permission;
  • To our employees, auditors, affiliates, service providers, or attorneys as needed; or
  • Otherwise as necessary to fulfill our obligations under this Agreement.

Our privacy policy can be found at

Our Liability for Failure To Complete Transactions

If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:

  • If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
  • If a merchant refuses to accept your Card;
  • If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;
  • If access to your Card has been blocked after you reported your Card lost or stolen;
  • If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;
  • If we have reason to believe the requested transaction is unauthorized;
  • If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
  • Any other exception stated in our Agreement with you.

Lost or Stolen Card

A lost or stolen card will not be replaced. You bear the entire risk of loss of the card.  Other Miscellaneous Terms

Your Card and your obligations under this Agreement may not be assigned.  We may transfer our rights under this Agreement.  Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions.  We do not waive our rights by delaying or failing to exercise them at anytime.  If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected.  This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.

Amendment and Cancellation

We may amend or change the terms and conditions of this Agreement at any time.  You will be notified of any change in the manner provided by applicable law prior to the effective date of the change.  However, if the change is made for security purposes, we can implement such change without prior notice.  We may cancel or suspend your Card or this Agreement at any time.  You may cancel this Agreement by returning the Card to us.  Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.

Information About Your Right to Dispute Errors

In case of errors or questions about your Card Account, telephone us at 1-866-921-33411, write us at Cardholder Services P.O. Box 98153, Las Vegas, NV 89119, or email us at as soon as you can, if you think an error has occurred involving your Card Account.  We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card Account, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared.  You may request a written history of your transactions at any time by calling us at 1-866-921-3341 or writing us at Cardholder Services P.O. Box 98153, Las Vegas, NV 89119. You will need to tell us: (1) Your name and Card Account number; (2) Why you believe there is an error, and the dollar amount involved; and (3) Approximately when the error took place.

If you provide this information orally, we may require that you send your complaint or question in writing within sixty (60) calendar days of the date of the transaction in error.

Once your written dispute has been received, we will determine whether an error occurred within sixty (60) calendar days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to ninety (90) days to investigate your complaint or question.  If we decide to do this, we will notify you verbally or in writing.  If we ask you to put your complaint or question in writing and you do not provide it within sixty (60) calendar days of the date of the transaction in error, we may not credit your Card.

For errors involving new Cards, or POS transactions, we may take up to ninety (90) days to investigate your complaint or question.  If we determine an error has occurred we will credit the transaction in error upon completing the investigation.

We will tell you the results within three (3) business days after completing the investigation.  If we decide that there was no error, we will send you a written explanation.  Copies of the documents used in the investigation may be obtained by contacting us at the phone number or address listed at the beginning of this section.

English Language Controls

Any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

Customer Service

For customer service or additional information regarding your Card, please contact us at:

Sightline Payments, LLC

P.O. Box 98153, Las Vegas, NV 89119  1-866-921-3341


Customer Service agents are available to answer your calls:

Monday through Friday, 24 Hours a day;

Saturday and Sunday,24 Hours a day (holidays excluded).


Telephone Monitoring/Recording


From time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.


No Warranty Regarding Goods or Services as Applicable


We are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card


Discover® and the Discover acceptance mark are service marks used by Sutton Bank under license from Discover Financial Services.



This Cardholder Agreement is effective (02/2019) (10/2012)