Amazon Rewards Program Agreement

Important information about the program and

this agreement

• Your Amazon Visa or Prime Visa card account is issued by

JPMorgan Chase Bank, N.A. Member FDIC. The Amazon

rewards program is offered by Amazon and Chase. This

document describes how the Amazon rewards program

works and is an agreement between you, Amazon and Chase.

You agree that use of your card account or any feature of this

program indicates your acceptance of the terms of this

agreement. In this document, the following words have

special meanings:

› “agreement” means this document

› “Amazon” means Amazon.com Services LLC and its

affiliates.

› “program” means the Amazon rewards program

described in this agreement

› “card account” means your Amazon Visa or Prime Visa

credit card account, or any account number used by

you or an authorized user to access your card account.

The Amazon Visa credit card account is available to

customers with an Amazon.com account. The Prime

Visa card account, which can earn more rewards than

the Amazon Visa credit card account, is available to

customers with an eligible Prime membership.

› “credit card” means your Amazon Visa or Prime Visa

credit card

› “we,” “us,” “our,” and “Chase” mean JPMorgan Chase

Bank, N.A. Member FDIC and its affiliates

› “you” and “your” mean the person responsible for the

card account and for complying with this agreement

› “authorized user” means anyone you permit to use your

card account

› “participating Amazon stores and sites” means the

websites and physical stores operated by Amazon’s

affiliates where you can earn 5% or 3% back rewards,

as applicable, and which are listed at

Amazon.com/primevisa/benefits and

Amazon.com/amazonvisa/benefits.

› “Prime membership” means a current eligible Amazon

Prime membership, as determined by Amazon and

governed by the Amazon Prime terms and conditions.

Please sign-in to Amazon.com/myprimevisa/benefits to

learn more about eligible Prime memberships.

› “purchases” is defined in the section of this agreement

titled How you can earn points

› “% back rewards” are the rewards you earn under the

program. % back rewards are tracked as points and

each $1 in % back rewards earned is equal to 100

points. You may simply see “% back” in marketing

materials when referring to the rewards you earn. You

may also see, “points” when referring to the rewards

you can use.

› “5-2-1 % back rewards” are earned with an eligible

Prime membership as described in section 3 of How

you can earn points

› “3-2-1 % back rewards” are earned without an eligible

Prime membership as described in section 4 of How

you can earn points

› “Whole Foods Market” means any physical Whole

Foods Market location in the United States, and the

website accessible at wholefoodsmarket.com.

› “Qualifying Daily Rewards” mean points that are earned

after the close of each qualifying daily rewards posting,

based on the purchases made, plus any bonus points

posted, but minus any returns or refunds. Qualifying

Daily Rewards will post Sunday through Friday each

week. You may see “Daily Rewards” in marketing

materials when referring to the qualifying Daily Rewards

you earn.

› “Chase Travel” means the websites, phone numbers

and customer service channels operated by, or

available through, Chase and its affiliated travel

companies through which you may book travel under

the program, including chasetravel.com and

chase.com/amazon.

› “misuse” means the improper use of the program, credit

card, or card account in a manner inconsistent with the

terms and conditions you’ve agreed to, including this

Rewards Program Agreement, the cardmember

agreement, or the terms and conditions of a third-party

merchant or service provider program, through which

points may be used or transferred under this program.

· Examples of misuse include, but are not limited

to:

- your failure to make the minimum payment

on your account when due;

- buying or selling points;

- selling, or participating in the sale or

exchange of, gift cards, travel or other items

of value obtained through use of points;

- repeatedly opening or otherwise maintaining

credit card accounts for the purpose of

generating rewards;

- manufacturing spend for the purpose of

generating rewards;

- abusing the earn or use of Qualifying Daily

Rewards;

- moving or transferring points to an ineligible

third party or account.

• We may make changes to the program and the terms of this

agreement at any time. For some changes we’ll give you 30

days’ notice (or longer if required by law) as described in the

Notice of changes section below.

• We may temporarily prohibit you from earning points, using

points you’ve already earned, or using any features of the

program.

• We may supplement this agreement with additional terms,

conditions, disclosures, and agreements that will be

considered part of this agreement.

Amazon Rewards Program Agreement

• We may refer to this agreement as the “Rewards Program

Agreement” or “Rewards Program Rules and Regulations” in

communications about the program and in supplemental

terms, conditions, disclosures, and agreements. This version

of the agreement takes the place of any earlier versions.

Notice of changes

• We’ll give you 30 days’ notice (or longer if required by law) of

the following types of changes to the program or this

agreement:

› if we add or increase fees applicable to the program

› if we decrease the rates at which points can be earned

in this program

› if we limit the number of points you can earn

› if we limit or reduce the ways you can use points

› if we reduce the value of points

› if we cancel the program

• We’ll send this notice to you in writing, which, at our option,

may be delivered to you in the mail or electronically by email

or through our online services, such as chase.com or the

Chase Mobile App.

• We’ll give you notice of other changes to the program or

agreement by posting an updated copy of this agreement

when you log in to our website, chase.com/amazon.

• We won’t provide prior notice when we change what you can

get with your points within particular redemption options. You

understand and agree that we can make these changes at

any time. Future availability of any specific items isn’t

guaranteed.

• You can see what you currently can get with your points

when you log in to our website, chase.com/amazon.

How you can earn points

You’ll earn points on purchases of products and services,

minus returns or refunds (collectively, the “purchases”), made

with a credit card by you or an authorized user of the card

account. Buying products and services with your card

account, in most cases, will count as a purchase; however,

the following types of transactions won’t count and won’t

earn points:

› transactions on Amazon.com to which you choose to

apply a promotional financing offer.

› balance transfers

› cash advances or cash-like transactions

› travelers checks, foreign currency, money orders or wire

transfers

› lottery tickets, casino gaming chips, race track wagers

or similar betting transactions

› any checks that access your card account

› interest

› unauthorized or fraudulent charges

› fees of any kind, including an annual fee, if applicable

Rewards Categories: Merchants who accept

Visa/Mastercard credit cards are assigned a merchant code,

which is determined by the merchant or its processor in

accordance with Visa/Mastercard procedures based on the

kinds of products and services they primarily sell. We group

similar merchant codes into categories for purposes of

making rewards offers to you. Please note:

› We make every effort to include all relevant merchant

codes in our rewards categories. However, even

though a merchant or some of the items that it sells

may appear to fit within a rewards category, the

merchant may not have a merchant code in that

category. When this occurs, purchases with that

merchant won’t qualify for rewards offers on purchases

in that category.

› Purchases submitted by you, an authorized user, or the

merchant through third-party payment accounts, mobile

or wireless card readers, online or mobile digital

wallets, or similar technology will not qualify in a

rewards category if the technology is not set up to

process the purchase in that rewards category. For

more information about Chase rewards categories, see

chase.com/rewardscategoryfaqs.

With 5-2-1 % back rewards, you’ll earn:

› 5% back for each $1 of eligible purchases made using

your card account at Amazon.com (including digital

downloads, Amazon.com Gift Cards, Amazon Fresh

orders, Amazon Prime subscriptions, and items sold by

third-party merchants through Amazon.com’s

marketplace), any Whole Foods Market and the

participating Amazon stores and sites listed at

Amazon.com/primevisa/benefits. 5% back equates to

$0.05 for each $1 spent, which is equal to 5 points.

· For example, if you spend $100 using your card

account on a purchase at Amazon.com, you will

earn $5 in % back rewards, which is equal to

500 points.

· 5% back is not earned on (i) purchases from

merchants using Amazon Pay, (ii) purchases

made at international Amazon retail sites

(including but not limited to Amazon.ca,

Amazon.co.uk, Amazon.de, Amazon.fr, or

Amazon.co.jp), or any other website operated by

Amazon that is not listed at

Amazon.com/primevisa/benefits, (iii) purchases

made at international Whole Foods Markets, (iv)

purchases of Whole Foods Market products and

services through third-party sites such as

Eventbrite, Instacart, Google Express and Shipt,

(v) online purchases of Whole Foods Market gift

cards (including through buyatab.com), event

tickets or classes, (vi) purchases from certain

third-party vendors operating at Whole Foods

Markets, (vii) purchases of massage services at

any Whole Foods Market, or (viii) purchases from

Spa@Ink, in each case in Amazon’s sole

discretion.

› 5% back for each $1 spent on purchases made using

Amazon Rewards Program Agreement

your card account through Chase Travel. 5% back

equates to $0.05 for each $1 spent, which is equal to

5 points.

· For example, if you spend $100 on travel

purchases made using your card account through

Chase Travel, you will earn $5 in % back

rewards, which is equal to 500 points.

· You can book Chase Travel at chasetravel.com or

call the number on the back of your credit card.

· If only a portion of your travel purchase is paid

using your card account and the remaining is paid

using points, only the portion paid with your card

account will qualify for earning points.

· 5% back is not earned on purchases made using

your card account directly with travel suppliers

including airlines, hotels, car rentals and cruises.

› 2% back for each $1 spent on purchases in the

following rewards categories: gas stations; local transit

and commuting; restaurants. 2% back equates to

$0.02 for each $1 spent, which is equal to 2 points.

· For example, if you spend $100 using your card

account on a purchase in one of these

categories, you will earn $2 in % back rewards,

which is equal to 200 points.

› 1% back for each $1 spent on all other purchases. 1%

back equates to $0.01 for each $1 spent, which is

equal to 1 point.

· For example, if you spend $100 using your card

account on any other purchase, you will earn $1

in % back rewards, which is equal to 100 points.

With 3-2-1 % back rewards, you’ll earn:

› 3% back for each $1 of eligible purchases made using

your card account at Amazon.com (including digital

downloads, Amazon.com Gift Cards, Amazon Fresh

orders, Amazon Prime subscriptions, and items sold by

third-party merchants through Amazon.com’s

marketplace), any Whole Foods Market and the

participating Amazon stores and sites listed at

Amazon.com/amazonvisa/benefits. 3% back equates to

$0.03 for each $1 spent, which is equal to 3 points.

· For example, if you spend $100 using your card

account on a purchase at Amazon.com, you will

earn $3 in % back rewards, which is equal to

300 points.

· 3% back is not earned on (i) purchases from

merchants using Amazon Pay, (ii) purchases

made at international Amazon retail sites

(including but not limited to Amazon.ca,

Amazon.co.uk, Amazon.de, Amazon.fr, or

Amazon.co.jp), or any other website operated by

Amazon that is not listed at

Amazon.com/amazonvisa/benefits, (iii) purchases

made at international Whole Foods Markets, (iv)

purchases of Whole Foods Market products and

services through third-party sites such as

Eventbrite, Instacart, Google Express and Shipt,

(v) online purchases of Whole Foods Market gift

cards (including through buyatab.com), event

tickets or classes, (vi) purchases from certain

third-party vendors operating at Whole Foods

Markets, (vii) purchases of massage services at

any Whole Foods Market, or (viii) purchases from

Spa@Ink, in each case in Amazon’s sole

discretion.

› 3% back for each $1 spent on purchases made using

your card account through Chase Travel. 3% back

equates to $0.03 for each $1 spent, which is equal to

3 points.

· For example, if you spend $100 on travel

purchases made using your card account through

Chase Travel, you will earn $3 in % back

rewards, which is equal to 300 points.

· You can book Chase Travel at chasetravel.com or

call the number on the back of your credit card.

· If only a portion of your travel purchase is paid

using your card account and the remaining is paid

using points, only the portion paid with your card

account will qualify for earning points.

· 3% back is not earned on purchases made using

your card account directly with travel suppliers

including airlines, hotels, car rentals and cruises.

› 2% back for each $1 spent on purchases in the

following rewards categories: gas stations; local transit

and commuting; restaurants. 2% back equates to

$0.02 for each $1 spent, which is equal to 2 points.

· For example, if you spend $100 using your card

account on a purchase in one of these

categories, you will earn $2 in % back rewards,

which is equal to 200 points.

› 1% back for each $1 spent on all other purchases. 1%

back equates to $0.01 for each $1 spent, which is

equal to 1 point.

· For example, if you spend $100 using your card

account on any other purchase, you will earn $1

in % back rewards, which is equal to 100 points.

When you earn 5% back or 3% back at Amazon.com,

Whole Foods Markets and the participating Amazon

stores and sites, and through Chase Travel.

If the Amazon.com account through which you applied

for your card account has an eligible Prime membership

and your card account is loaded into that Amazon.com

account, your card account will automatically earn 5%

back on purchases made at Amazon.com, any Whole

Foods Market and the participating Amazon stores and

sites, and on purchases made through Chase Travel

(subject to the limitations described in section 3 of

How you can earn points above), except as noted

below in this section 5(a).

(a)

Amazon Rewards Program Agreement

However, if you switched Amazon.com accounts, use

multiple Amazon.com accounts, or your card account is

loaded into multiple Amazon.com accounts, then your

card account may not automatically earn 5% back on

purchases made at Amazon.com, Whole Foods

Markets or the participating Amazon stores and sites, or

on purchases made through Chase Travel and may

instead earn 3% back on such purchases.

In such cases, you will need to confirm your card

account number and select your card account on that

Amazon.com account with eligible Prime membership in

order to earn 5% back on purchases made at

Amazon.com, Whole Foods Markets and the

participating Amazon stores and sites, and on

purchases made through Chase Travel (subject to the

limitations described in section 3 of How you can earn

points above). Visit the “Manage Payment Options”

page via “Your Account” page on Amazon.com as

described in section 6 below to learn how. Once you’ve

confirmed and selected your card account, your card

account will earn 5% back on purchases made at

Amazon.com, Whole Foods Markets and the

participating Amazon stores and sites, and on

purchases made through Chase Travel (subject to the

limitations described in section 3 of How you can earn

points above), except as noted in this section 5(a).

Your card account will no longer earn 5% back and will

earn 3% back instead, if the Amazon.com account from

which you applied for your card account:

• no longer has an eligible Prime membership;

• no longer has your card account loaded in that

Amazon.com account;

• is closed;

• is used to select a different card account to earn

5% back at Amazon.com, any Whole Foods

Market and the participating Amazon stores and

sites, and through Chase Travel; or

• is used to apply for another Prime Visa card

account that is approved and loaded in that

Amazon.com account; that new card account will

earn 5% back on purchases made at

Amazon.com, any Whole Foods Market and the

participating Amazon stores and sites, and on

purchases made through Chase Travel.

If the Amazon.com account through which you applied

for your card account does not have an eligible Prime

membership and your card account is loaded into that

Amazon.com account, your card account will earn 3%

back on purchases made at Amazon.com, any Whole

Foods Market and the participating Amazon stores and

sites, and on purchases made through Chase Travel

(subject to the limitations described in section 4 of

How you can earn points above).

If your card account is currently earning 3% back and is

loaded into an Amazon.com account with an eligible

(b)

Prime membership, you will need to confirm and select

your card account to earn 5% back on purchases made

at Amazon.com, any Whole Foods Market and the

participating Amazon stores and sites, and on

purchases made through Chase Travel (subject to the

limitations described in section 3 of How you can earn

points above). Visit the “Manage Payment Options”

page via “Your Account” page on Amazon.com as

described in section 6 below to learn how. Once you’ve

confirmed and selected your card account, your card

account will earn 5% back on purchases made at

Amazon.com, Whole Foods Markets and the

participating Amazon stores and sites, and on

purchases made through Chase Travel (subject to the

limitations described in section 3 of How you can earn

points above) until that Amazon.com account with

eligible Prime membership:

• no longer has an eligible Prime membership;

• no longer has your credit card account loaded in

that Amazon.com account;

• is closed;

• is used to select a different card account to earn

5% back; or

• is used to apply for another Prime Visa card

account that is approved and loaded in that

Amazon.com account; that new card account will

earn 5% back on purchases made at

Amazon.com, any Whole Foods Market and the

participating Amazon stores and sites, and on

purchases made through Chase Travel.

In all other cases, your card account will earn 3% back

on purchases made at Amazon.com, any Whole Foods

Market and the participating Amazon stores and sites,

and on purchases made through Chase Travel.

(c)

How to see if your card account earns 5% back at

Amazon.com, Whole Foods Markets and the

participating Amazon stores and sites, and through

Chase Travel. To see if your card account earns 5% back,

follow these steps:

› sign into an Amazon.com account where your card

account is loaded;

› visit “Your Account” page;

› visit the “Manage Payment Options” page under

“Payment Methods” section; and

› expand the details of your credit card.

The details of your credit card will specify if your card

account earns 5% back or 3% back on purchases

made at Amazon.com, any Whole Foods Market and

the participating Amazon stores and sites, and on

purchases made through Chase Travel. If that

Amazon.com account has eligible Prime membership,

and your card account could be earning 5% back on

purchases made at Amazon.com, Whole Foods

Markets and the participating Amazon stores and sites,

and on purchases made through Chase Travel, you will

Amazon Rewards Program Agreement

also be told how to start earning 5% back on such

purchases. For each purchase on Amazon.com, at a

Whole Foods Market or at the participating Amazon

stores and sites, or through Chase Travel you have

already made, you will be able to check on chase.com

whether you earned 5% back or 3% back.

In accordance with the above terms, Amazon is

notifying Chase, at the time your eligible Amazon.com,

Whole Foods Market or the participating Amazon

stores and sites, or Chase Travel purchase is made,

whether that purchase earns 5% back or 3% back.

Ways to earn bonus points

• We may offer you ways to earn bonus points through the

program, such as Refer-a-Friend, or special promotions.

You’ll find out more about the number of bonus points you

can earn, the duration of the offer and expiration date, if any,

and any other terms at or before the time of each eligible

offer. The terms of this agreement will apply to any such offer.

If there is any inconsistency between this agreement and the

offer terms, the offer terms will prevail to the extent of such

inconsistency. The natural expiration of a limited time bonus

point offer is not a modification to the program that requires

notification.

Other information about the earning and

availability of points

• Points are earned on purchases after the close of each

qualifying Daily Rewards posting.

• If you have more returns or refunds than points earned from

purchases or bonuses after the close of each qualifying Daily

Rewards posting, then points will be deducted from your total

points balance and may result in a negative points balance.

• You’ll see your total points balance earned on chase.com and

after each statement billing cycle on your monthly credit card

billing statement.

• We may, from time to time, provide additional ways for you to

see points you’ve earned, such as through Chase or third-

party mobile application(s).

• Points earned on purchases after the close of each qualifying

Daily Rewards posting are generally available to be used the

same day; however, points earned on purchases after the

close of the last qualifying Daily Rewards posting, may take

up to one additional day to become available.

• Amazon is responsible for adding a new Prime membership

to your Amazon.com account before your card account can

start earning 5% back on purchases made at Amazon.com,

any Whole Foods Market and the participating Amazon

stores and sites, and through Chase Travel.

How you can use your points

• You can use your points to redeem for any available reward

options. Options may include eligible purchases at

Amazon.com, travel, cash, and gift cards.

• We may, from time to time, provide additional ways for you to

use your points in addition to those described in this

agreement, such as through Chase or third parties.

• When you use points to redeem for eligible purchases at

Amazon.com, travel, cash, and gift cards, each point is worth

$.01 (one cent), which means that 100 points equals $1 in

redemption value. Redemption values for other reward

options may be worth more or less than this.

• You are responsible for how points are used, including if you

allow authorized users to access or use your points.

• To use your points, minimum and maximum amounts may

apply. We’ll let you know about any minimum or maximum

amounts, as well as any additional terms and conditions,

before you use your points.

• Once points have been used, the transaction is considered

final and may not be canceled unless otherwise noted.

• When you use your points to redeem for travel, cash and gift

cards, as described below, the amount of time it takes to

deliver those items to you depends on the item. Some items

can’t be shipped to PO Boxes or foreign addresses.

• Applicable sales/use taxes, fees, surcharges, and shipping

and handling charges are your responsibility.

• We’re not responsible for replacing lost, stolen or damaged

redemption items, including certificates, tickets or gift cards

or for a merchant’s failure to honor them.

Shop with Points at Amazon.com

• You can use your points for all or part of a payment for the

purchase of eligible items at Amazon.com.

• If you don’t have enough points to pay for a purchase at

Amazon.com, you can pay the additional cost with an

Amazon.com Gift Card, an Amazon Payments, Inc. payments

account, or your card account.

• We may deduct the number of points that you use for your

Amazon.com purchase from your points balance when you

place your order or when your order has shipped, as long as

your card account is open, not in default, and you have

enough points to cover your purchase. Your points balance

may not reflect pending transactions.

• For orders that remain unfulfilled for 30 days, your points will

automatically be credited back to your card account.

• For valid returns or cancellations, your points will be credited

back to your card account.

• If points were used for a completed purchase at

Amazon.com, you may contact Amazon to cancel your

purchase or make any other changes.

• Returns and refunds are subject to Amazon’s policies.

Travel

• You can use points for available airline tickets, hotel

accommodations, car rentals and cruises through Chase

Travel.

• You can book Chase Travel at chasetravel.com or call the

number on the back of your credit card.

• A service fee may be charged for calling Chase Travel to

book. We’ll let you know of the amount of any service fee, if

applicable, before you book.

• If you don’t have enough points to book your travel, you can

Amazon Rewards Program Agreement

pay the additional cost with your card account. You can also

book most travel through Chase Travel without any points by

using your card account to pay for it. Minimum point amounts

may apply to some bookings.

• Additional terms, conditions and disclosures may apply and

will be provided to you before booking your travel and will be

part of this agreement.

• For airline ticket, hotel and cruise reservations, government-

issued photo identification is required at check-in and must

match the name on the reservation. For international travel, a

passport is required and a visa may be required along with

satisfaction of health requirements. Please contact the

consulate of the destination country, as well as any layover

and stopover destinations, for current visa/passport and other

entry requirements.

• For any change or cancelation requests, go to

chasetravel.com or call the number on the back of your credit

card. Change or cancelation fees may apply and will be

charged directly to your card account. Change or cancelation

fees are based on the cash price of travel. If a refund is

granted for travel booked in whole or in part with points, you’ll

receive a credit to your points balance for the amount of

points used. If you fail to arrive for your booked travel

arrangements as scheduled, all payments whether made with

points or your card account will be forfeited.

• All additional costs, such as baggage fees, seat fees, fees

charged by the airlines, passenger facility charges,

international entry or departure taxes and/or fees, resort fees,

hotel energy surcharges, any charges for one-way car rentals,

car add-ons or accessories, incidentals and any applicable

local taxes and fees, are at the traveler’s expense. Travelers

should be prepared to pay in cash, in local currency, on

location directly to the travel service provider.

• All airline tickets will be issued as e-tickets, unless e-tickets

are not available due to airline restrictions. If an e-ticket is

unavailable, you’ll be mailed a paper ticket at no charge.

However, if an e-ticket is available and you request a paper

ticket, you may be charged a service fee and

shipping/handling charges. All paper tickets will be shipped

within 48 hours to the address you provide.

• For car rentals, minimum age requirements may vary and

there may be a maximum age. Some hotels have a minimum

age requirement for check-in.

• For additional information about Chase Travel, please click on

the Travel Disclosures link which can be found at the bottom

of chasetravel.com. The Travel Disclosures are a part of this

agreement.

Cash

• You can use points to redeem for cash through a card

account statement credit or an electronic deposit into an

eligible checking or savings account held by a financial

institution located in the United States.

• Go to chase.com/amazon or call the number on the back of

your credit card to request your cash.

• Card account statement credits will reduce your card

account balance. Unless the total amount of credits and

payments applied to your card account between the

statement closing date and the payment due date equal or

exceed your statement balance, you are still required to pay

your minimum payment or your remaining statement balance,

whichever is less, by the payment due date.

Gift cards

• You can use points for gift cards and gift certificates through

the program.

• Go to chase.com/amazon or call the number on the back of

your credit card to order gift cards and gift certificates.

• Gift cards and gift certificates are valid at participating

merchants only, and are subject to the issuer’s terms and

conditions, which, if permitted by law, address expiration

policies and non-usage fees and can be changed at the sole

discretion of the issuer.

Products and services

• We may give you opportunities to use your points for all or

part of a payment for the purchase of eligible products or

services directly through third-party merchants or service

providers. In order to do so, you must either be automatically

enrolled or complete the self-registration process directly

with the merchant or service provider.

› To participate, you may be required to authorize Chase

to share information about your card account with the

third party. We’ll provide you with additional details as

required by law.

› After you are enrolled, Chase will provide the third party

with information about your participation in the program,

including your program points balance.

› Points will not be used without your permission. You

select when and how many points are used each time

you make a purchase with the third party, unless you

opt into a default payment feature offered by the third

party. In that case, your points will be applied

automatically in accordance with your selected default

payment settings.

› The redemption value of points may be worth less when

using them directly through third-party merchants or

service providers than the redemption value of points

used for reward options offered directly through the

program.

› We’ll deduct the number of points that you use from

your program points balance. Your points balance may

not reflect pending transactions until the order has

shipped.

› Returns and point refunds are subject to the policies of

the third party.

› Any additional terms, conditions, disclosures or

agreements provided by us or the third party related to

the use of points will be part of this agreement.

› Auto-enrollment.

· You may be automatically enrolled with a third

party if:

Amazon Rewards Program Agreement

- You currently have a credit card stored in

the account you maintain with that third

party; or

- You add a credit card to the account you

maintain with the third party.

· Third parties may require you to take additional

action prior to automatically enrolling you.

· Your card account will be linked to the account

you maintain with the third party, based on the

credit card you save on file with them.

· You will receive an email from the third party

informing you of the auto-enrollment and how to

de-enroll if you do not want to participate.

· You may de-enroll at any time.

• We may give you opportunities to use your points to pay for

products or services from third-party merchants directly

through the program.

› Products or services may not always be available and

may change without notice.

› The redemption value of points may be worth less than

other reward options offered directly through the

program.

› Any additional terms, conditions, disclosures or

agreements provided by us related to the products or

services you obtain will be part of this agreement.

How you could be prohibited from earning or

using points

• We may temporarily prohibit you from earning points or using

points you’ve already earned if we suspect you’ve engaged in

misuse or fraudulent activity related to your card account or

the program.

• You can begin earning and using points again in the next

billing cycle after you make a payment to your card account

sufficient to become current or when we otherwise no longer

suspect misuse or fraud of the card account or program.

How you could lose your points

• Your points don’t expire as long as your card account

is open; however, you’ll immediately lose all your

points if your card account status changes, or your

card account is closed, for misuse, fraud, or any of the

following reasons:

› you fail to comply with other agreements you have with

Chase

› we believe you may be unwilling or unable to pay your

debts on time, including filing for bankruptcy

› we believe that you’ve engaged in fraudulent activity

related to your card account or the program

• We won’t reinstate points you lose, unless we’ve made an

error.

• If your card account is closed for any other reason, you’ll have

at least 30 days from the date your card account is closed to

use your points, as long as you don’t lose them for any of the

reasons described in this agreement. If you don’t use your

points during that time, you’ll lose them unless limited or

prohibited by law, in which case your unused points will be

automatically redeemed for cash in the form of an account

statement credit.

• If we decide to cancel the program, you’ll have at least 30

days from the date we cancel the program to use your points,

as long as you don’t lose them for any of the reasons

described in this agreement. If you don’t use your points

during that time, you’ll lose them.

• If we’re notified of your death, your points will be

automatically redeemed for cash in the form of a card

account statement credit.

Other important information you should know

• Unless required by law, points aren’t your property. Points

have no value until redeemed. Additionally, points can’t be

transferred by operation of law, such as by inheritance, in

bankruptcy or in connection with a divorce.

• Your participation in the program may result in miscellaneous

income received from Chase and we may be required to send

you, and file with the IRS, a Form 1099-MISC (Miscellaneous

Information) or Form 1042-S (Foreign Person’s U.S. Source

Income Subject to Withholding) for the year in which you

participate and are awarded the benefits of the program. You

are responsible for any tax liability related to participating in

the program. Please consult your own tax advisor if you have

any questions about your personal tax situation.

• We may assign our rights and obligations under this

agreement to a third party, who will then be entitled to any of

our rights that we assign to them.

• We’re not responsible for any disputes you may have with any

authorized users on your card account about the program.

• Chase, Amazon and their respective third-party service

providers, affiliates, directors, officers, employees, agents or

contractors make no representations or warranties, either

express or implied, including, those of merchantability, fitness

for intended use or a particular purpose and otherwise arising

by law, custom, usage, trade practice, course of dealing or

course of performance. You release Chase, Amazon and their

respective third-party service providers, affiliates, directors,

officers, employees, agents and contractors for all activity in

connection with the program, including but not limited to, use

of the program, and any redemption for or purchase of

products or services through the program.

• You agree to indemnify and hold Chase, Amazon and their

respective third-party service providers, affiliates, directors,

officers, employees, agents and contractors harmless from

and against any loss, damage, liability, cost, or expense of any

kind (including attorneys’ fees) arising from your or an

authorized user’s: use of the program, any fraud or misuse of

the program, violation of this agreement and/or violation of

any applicable law or the rights of any third party.

• The merchants and third-party service providers that

participate in the program are not affiliated with us and are

not sponsors or co-sponsors of the program. All participating

merchant and third-party service provider names, logos, and

Amazon Rewards Program Agreement

marks are used with permission and are the property of their

respective owners. Participating merchants and third-party

service providers are subject to change without notice.

• Participating merchants and third-party service providers are

responsible for the quality and performance of any products

or services they provide. Chase and Amazon are not

responsible for any aspects of the products and services

provided by participating merchants or third-party service

providers.

• The program is void where prohibited by federal, state, or

local law.

• This agreement and use of the program is governed by

federal law, as well as the law of Delaware, and will apply no

matter where you live or use the program.

• We may enforce the terms of this agreement at any time. We

may delay enforcement without losing our right to enforce this

agreement at a later time. If any term of this agreement is

found to be unenforceable, we may still enforce the other

terms.

Communications

• We may send communications about the program to you at

any mailing or email address in our records or through our

online services, such as chase.com or the Chase Mobile App.

• Let us know right away about any changes to your contact

information using the Cardmember Services address on your

credit card billing statement or call the Chase phone number

on the back of your credit card.

Telephone monitoring

• You agree that Chase and its third-party service providers

may listen to and record telephone calls as part of providing

program services.

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11/15/2023