**Cardmembers who are U.S. residents (including Puerto Rico and U.S. Territories) are automatically enrolled in the JCPenney Rewards program (the "Program"). Cardmembers who are in good standing will receive one JCPenney Rewards point for every $1 (USD) spent on qualifying purchases at JCPenney Stores or jcp.com; provided, however, if you return a qualifying purchase, one JCPenney Rewards point for each $1 (USD) of that purchase may be deducted from your account in the month the return is made. Purchases of the following items are not qualifying purchases: Sephora products purchased online (only), dollars spent on sales tax, state fees, international purchases, gift cards, and charges and fees (e.g. shipping charges, restocking fees, and delivery charges). Once you earn 100 points in a calendar month, you will be eligible to receive a $10 JCPenney Rewards certificate ("JCPenney Rewards"or a"certificate") redeemable on eligible JCPenney purchases (some exclusions and restrictions apply; see certificate for details). Cardmembers who use their JCPenney credit card to make qualifying purchases will be eligible to receive additional certificates - up to a maximum of ten certificates in one calendar month. Purchases made using payment methods other than a JCPenney credit card will not be credited toward earning more than one certificate in a calendar month. Points expire at the end of each calendar month and do not carry forward to the next month. Certificates will be delivered by U.S. mail unless you have provided an email address (i) on your JCPenney Credit Account application, (ii) in-store at time of purchase, or (iii) registered your email address at www.jcprewards.com, in which case certificates will be delivered via email to that address. In addition, by providing your email address, you agree to receive promotional email offers and updates. Members may unsubscribe from JCPenney and jcp rewards promotional emails at any time via the unsubscribe link in those emails. Certificate must be used by the expiration date listed on the certificate and must be surrendered at the time of purchase. If your JCPenney purchase is less than the amount designated on the certificate, you will forfeit the remainder of that amount. Certificates cannot be credited to any account, redeemed for cash, replaced if merchandise is returned, or applied to prior purchases. Lost or stolen certificates are not replaceable.Certificates are not transferable and are void where prohibited by law. We reserve the right to amend or modify the Program at any time and in any way without notice (including, without limitation, our right to adjust the number of jcp reward certificates earned for each dollar in purchases). We further reserve the right to terminate the Program at any time without notice. Abuse of the Program, as determined by JCPenney in its sole judgment, may result in a member being disqualified from participation in the Program, including forfeiture of issued, but unused certificates. For full terms and conditions or for other questions about the Program, please visit www.jcprewards.com or call 1-888-527-7937.The Program is sponsored by and administered by JCPenney. JCPenney Rewards program is subject to change or cancellation at any time without notice.


‡See a JCPenney Associate in store or online at jcp.com for details.

†Offer available to JCPenney Credit Cardmembers who are residents of the 48 contiguous United States, Puerto Rico and Alaska. Cardmembers must make at least one purchase with their JCPenney Credit Card within the last twelve months. The account must be in good standing at the time the birthday offer is issued and have a birthday on file.

††Gold cardmembers will receive a $10 coupon and Platinum cardmembers will receive a $10 or $15 coupon. Coupons may have minimum purchase requirement.

***JCPenney Gold / Platinum Status is earned as follows: You must spend $500 or more on merchandise or services with your JCPenney Credit Card over 2 or more unique shopping days in a calendar year to earn or maintain JCPenney Gold Status. Spend $1,000 or more on merchandise or services with your JCPenney Credit Card over 2 or more unique shopping days in a calendar year to earn or maintain JCPenney Platinum Status. JCPenney Gold / Platinum Status is determined at the time of your monthly billing statement after meeting purchase threshold. We reserve the right to change or cancel the JCPenney Gold / Platinum Program or any or all of its benefits at any time without notice. If your account is not in good standing and/or you no longer meet our criteria, you may be ineligible for the JCPenney Gold / Platinum Program and/or unable to take advantage of JCPenney Gold / Platinum promotions. The JCPenney Gold / Platinum benefits are available only while you are a resident of the 48 contiguous United States, Puerto Rico and Alaska.The JCPenney Gold / Platinum Program is provided by Synchrony Bank.

§Effective September 2014. See jcpenneyrewards.com or a store associate for details.