Affiniti Business Credit Card Rewards Terms and Conditions

Overview

For full Terms and Conditions, please review your Cardholder Agreement, which can be accessed at affiniti.com/legal. All capitalized terms used in this notice and not otherwise defined shall have the meaning as set forth in the Cardholder Agreement.

You may be able to earn rewards on your eligible purchases when you purchase goods/services within certain spend categories, or on all your purchases, as specified herein. Eligible purchases for rewards include purchases of goods and services and recurring transactions minus any disputes, chargebacks, credits, or returns. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of traveler’s checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

Rewards may also be referred to as “cash back” or “reward points”. Please keep in mind that all these rewards will only be structured in the form of reward points credited to the Account, which can be redeemed for Billing Statement credits. The conversion of reward points to Billing Statement credit redemption value, and vice versa, is that 100 reward points equates to $1 of Billing Statement credits.

Redemption

To redeem your reward points, you must have paid the full statement balance, including any outstanding fees or charges, before the Payment Due Date for the Billing Statement where your Eligible Purchases earned those reward points. To earn the additional rewards tied to the criteria of having weekly autopay set-up, the Eligible Purchases must have happened in the week where you successfully paid the entirety of the weekly autopay amount. Additionally, your Account must be active in good standing, meaning not restricted, closed, or in default. If you meet those requirements, you may redeem your reward points as Billing Statement credits at your discretion. These rewards points, when redeemed, will be applied to your next Billing Statement. You will always need to pay your entire Minimum Payment Due as shown on your Billing Statement, regardless of your redemption of rewards.

If we, in our sole discretion, determine that you have engaged in abuse, misuse, or gaming in connection with our rewards in any way, or that you intend to do so, we may:

• Not credit rewards,
• Freeze rewards credited,
• Remove previously credited rewards from your account, or
• Close this Account and other Accounts you may have with us.

Reward Point Bonuses

If you make $10,000 of eligible purchases within the first 3 months of being approved for your Account, you will receive a $150 reward point bonus. If you make $30,000 of eligible purchases within the first 3 months of being approved for your Account, you will receive a $500 reward point bonus. You will only receive one type of reward point bonus (i.e. $150 or $500), and not multiple.

If you make $200,000 of eligible purchases within each consecutive 12 month period (starting after the first 3 months of being approved for your Account), you will receive a $500 reward point bonus at the end of that period. Each new 12 month period starts immediately after the previous 12 month period ends.

Cash Back

You will earn a reward of 2.5% cash back made at software merchants. If you do not have weekly autopay set-up, you will earn an unlimited 1.5% cash back reward of all other eligible purchases. In the event that you have set up autopay, you will earn an unlimited 2.25% cash back reward (with weekly autopay) or 2% cash back reward (with monthly autopay) on all other eligible purchases.