Abstract: A web-based reward point system that awards points in the form of web credits to users as a reward for participating in certain online activities. The web credits are stored in a database that contains information about user accounts, web credit award activity and web credit redemption activity. The user is able to redeem web credits by receiving a voucher from the website that contains a unique voucher ID and presenting the voucher to a vendor at a business location of the vendor. The vendor is able to verify the authenticity of the voucher by checking the voucher ID at the website. In exchange for the voucher, the user receives a reward from the vendor. Alternatively, the user can load web credits onto an existing vendor loyalty card or debit/credit card which can be used as currency with the vendor.