It is clearly not gneiva nor is it fraud. The legal definition of fraud is to make a false statement of fact and based on that false presentation of fact to claim money that otherwise that person would not have had a right to. So 1. By stating that a purchase was made there is no implied claim that the item purchased was not returned and 2 it is not at all clear that the credit card company even cares whether the item was returned since the reward is for using the card, which the person did.
And the fact that a kol koreh was issue means only one thing, that somebody printed up a paper and asked some rabbonim to sign it. However just because they signed it does not at all mean that they actually looked into the terms of the reward program and cared as all to know what they were signing on.
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