Point Redemption
To redeem points, a Cardmember's account must be open and in good standing. Points are redeemed on a first-in, first-out basis. For accounts with multiple cards, only the Signing Individual may redeem points on the account. To redeem points for travel, certificates and merchandise, Cardmembers can either log onto www.advanta.com/rewards or call Advanta Customer Service. Redemptions may be made with as few as 5,000 points.

Points do not constitute credits to the Cardmember's account, and cannot be used to offset the Cardmember's obligations to Advanta or otherwise.

WhyWait Point Usage
Upon account activation, a Cardmember will be credited with between 25,000 and 200,000 WhyWait Points. The number of WhyWait Points a Cardmember receives is based on the initial assigned revolving credit line. WhyWait Points can be used to redeem just like points the Cardmember has earned. Upon redemption, a Cardmember will have 15 months from the date of redemption to earn the redeemed WhyWait Points so long as the Cardmember actively utilizes the account and keeps it in good standing. By redeeming WhyWait Points, Cardmember agrees that the Account may be charged for the redeemed but unearned WhyWait Points in the event if a) it is more than 15 months after the date of redemption; b) Cardmember fails to timely make any minimum payment due; c) Cardmember otherwise defaults on the Account; and/or d) Cardmember does not engage in sufficient activity on the Account such that Advanta reasonably anticipates Cardmember will not earn the redeemed WhyWait Points within 15 months after the date of redemption. The charge to the Account will be computed at a rate of 1.5 cents per redeemed but unearned WhyWait Point and will be reflected on Cardmember's periodic billing statement as a purchase transaction.

Cash
Points may be redeemed for cash, issued in the form of a check, in $50 increments only. Each $50 requires the redemption of 5,000 points. There is no limit to the number of cash redemptions a Cardmember may make. Cash rewards checks will be sent via USPS 1st class mail to the address listed on the Cardmember's Advanta Business Card account within 2–4 weeks and are valid for 90 days. All cash rewards redemptions are final.

Airfare
All airline rules and restrictions apply. Free roundtrip coach airline tickets begin at 25,000 points for tickets valued at less than $350. Other free tickets are available. For airline travel rewards, which includes free tickets, a redemption fee of $15 per ticket will be charged to the Cardmember's Advanta Business Card account at the time of redemption. Visit www.advanta.com/rewards for details.