Unless you are participating in a limited-time promotional offer, you will earn five ThankYou Points for every dollar you spend on purchases at supermarkets, drugstores and gas stations and one ThankYou Point for every dollar you spend on all other purchases. Supermarkets are defined as stand–alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are defined as stand–alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over–the–counter) medicines. Gas stations are defined as merchants that primarily sell vehicle fuel for consumer use.

Purchases not eligible to receive the five points include, but are not limited to, purchases made at warehouse clubs, discount stores, department stores and convenience stores. In addition, online, catalog, mail order and telephone purchases are not eligible to receive five ThankYou Points unless the merchants identify the transactions as being made at a supermarket, drugstore or gas station. We do not determine whether merchants correctly identify and bill transactions as being made at supermarkets, drugstores or gas stations. However, we do reserve the right to determine which purchases are eligible to receive the five ThankYou Points.

You can earn up to 75,000 ThankYou Points during any calendar year (eligible purchases appearing on your January–December billing statements). Unless otherwise specified, the calendar year limit will include any bonus ThankYou Points you may be eligible to receive, even though such bonus points may not post to your Card Account until one to two billing cycles later.

ThankYou Points expire five years from the end of the calendar year in which they are earned unless we terminate ThankYou Network, in which case you will have only 90 days from the ThankYou Network termination date to redeem all your accumulated ThankYou Points.