Credit Cards Rewards and Deferred Interest Products Focus Groups

protection, security and financial flexibility

• Lost Luggage Coverage provides up
to $3,000 in coverage for you and your
dependents when you charge your entire
common carrier transportation fare
with your
Card
prior to departure. This benefit covers
permanently lost, stolen or damaged
baggage or personal articles checked
with an common carrier transportation
company. Rental vehicles, taxicabs,
limousines, or government owned or
operated public transportation systems
operating within an exclusive metropolitan
area are not included.5
• Trip Cancellation/Trip Interruption
Coverage is available in the event you are
prevented from taking or continuing a
trip purchased with your
Card account. You may be eligible
to receive reimbursement for air, bus or rail
transportation tickets, up to $1,500.5

16







terms and conditions

from
Rewards termination date to redeem all your
accumulated
Points (“
Points”). Rewards
offered by
Rewards and the
Point levels
required for specific rewards are subject to change without
notice.
Unless you are participating in a limited time offer, you will earn:
• 2
Points for every dollar you spend on purchases at
restaurants and on select entertainment merchants, including
sports promoters, theatrical promoters, movie theaters,
amusement parks, tourist attractions, record stores and video
rental stores;
• 1
purchases.

Point for every dollar you spend on all other

Restaurants are classified as dining establishments that
primarily prepare food and drinks for immediate consumption
by consumers, either on the merchant’s premises or packaged
for takeout, and include bars, cocktail lounges, discotheques,
nightclubs, taverns and fast food restaurants. Sports promoters
are classified as merchants that operate and promote live
sporting events (professional or semi professional), and may also
include sports stadiums. Theatrical promoters are classified as
merchants that operate live theatrical productions or concerts,
and include ticketing agencies. Movie theaters are classified
as establishments that sell tickets and refreshments for movie
productions. Amusement parks (including zoos, circuses and
aquariums) are classified as establishments that operate parks
or carnivals and offer mechanical rides and games and/or live
animal shows. Tourist attractions and museums (including
art galleries) are classified as establishments that operate
attractions and exhibits for tourists. Record stores are classified
as establishments that sell CDs and related items, including
online record stores. Video rental stores are classified as
merchants that rent DVDs and/or games and related equipment
for consumer use, including online video rentals.
We do not determine how merchants or establishments are
classified; however, they are generally classified based upon
the merchant’s primary line of business. We reserve the right to
determine which purchases qualify for this offer. Purchases not
eligible to receive the additional
Points include, but
are not limited to, purchases made at warehouse clubs, discount
stores, department stores and convenience stores.

terms and conditions

You may earn
Points as long as your Card Account
is open and current. If your Card Account is closed, you will
not be able to earn
Points and you will lose any
accumulated
Points that have not been transferred
to your
Member Account. Balance transfers, cash
advances, convenience checks, returned purchases, disputed
or unauthorized purchases/fraudulent transactions, finance
charges, Card Account fees, and fees for services and programs
you elect to receive through us do not earn
Points
unless otherwise specified.
If you do not already have a
Rewards Member
Account (“
Member Account”), one will be set up
for you.
Points earned from purchases post to your
Card Account at the close of each billing cycle, and at that
time we will transfer the
Points you earned to your
Member Account. (Bonus
Points may
take one to two additional billing cycles to post to your Card
Account.)
Points are not eligible for redemption
until they are transferred to your
Member Account.
Points may not be redeemed and may be lost if your
Card Account is not open or current.