Chase Freedom Unlimited® with Ultimate Rewards® Program Agreement

Important information about the program and

third party or account.
this agreement
• This document describes how the Ultimate Rewards program • We may make changes to the program and the terms of this
works and is an agreement between you and Chase. You agreement at any time. For some changes we’ll give you 30
agree that use of your account or any feature of this program days’ notice (or longer if required by law) as described in the
indicates your acceptance of the terms of this agreement. In Notice of changes section below.
this document, the following words have special meanings: • We may temporarily prohibit you from earning points, using
› “agreement” means this document points you’ve already earned, or using any features of the
› “program” means this Ultimate Rewards program program.
› “account” means your credit card account that is linked • We may supplement this agreement with additional terms,
to this program conditions, disclosures, and agreements that will be
› “card” means any credit card or account number used considered part of this agreement.
to access your account • We may refer to this agreement as the “Rewards Program
› “we,” “us,” “our,” and “Chase” mean JPMorgan Chase Agreement” or “Rewards Program Rules and Regulations” in
Bank, N.A. Member FDIC and its affiliates communications about the program and in supplemental
terms, conditions, disclosures, and agreements. This version
› “you” and “your” mean the person responsible for the
of the agreement takes the place of any earlier versions.
account and for complying with this agreement
› “authorized user” means anyone you permit to use the Notice of changes
account • We’ll give you 30 days’ notice (or longer if required by law) of
› “Cash Back rewards” are the rewards you earn under the following types of changes to the program or this
the program. Cash Back rewards are tracked as points agreement:
and each $1 in Cash Back rewards earned is equal to › if we add or increase fees applicable to the program
100 points. You may simply see “Cash Back” in › if we decrease the rate at which you earn points
marketing materials when referring to the rewards you › if we limit the number of points you can earn
earn. You may also see, “points” or “Ultimate Rewards › if we limit or reduce the ways you can use points
points” when referring to the points you can use. › if we reduce the value of points
› “purchases” is defined in the section of this agreement › if we cancel the program
titled How you can earn points
• We’ll send this notice to you in writing, which, at our option,
› “Chase Travel” means the websites, phone numbers may be delivered to you in the mail or electronically by email
and customer service channels operated by, or or through our online services, such as chase.com or the
available through, Chase and its affiliated travel Chase Mobile App.
companies through which you may book travel under
• We’ll give you notice of other changes to the program or
the program, including chasetravel.com and
agreement by posting an updated copy of this agreement
chase.com/ultimaterewards.
when you log in to our website, chase.com/ultimaterewards.
› “misuse” means the improper use of the program, card,
• We won’t provide prior notice when we change what you can
or account in a manner inconsistent with the terms and
get with your points within particular redemption options (for
conditions you’ve agreed to, including this Rewards
example, we won’t provide notice if the selection or
Program Agreement, the cardmember agreement, or
availability of gift cards change, or if a specific product or
the terms and conditions of a third-party merchant or
experience is out of stock through the program). You
service provider program, through which points may be
understand and agree that we can make these changes at
used or transferred under this program.
any time. Future availability of any specific items isn’t
· Examples of misuse include, but are not limited to:
guaranteed.
- your failure to make the minimum payment
• You can see what you currently can get with your points
on your account when due;
when you log in to our website, chase.com/ultimaterewards.
- buying or selling points;
- selling, or participating in the sale or How you can earn points
exchange of, gift cards, travel or other items • You’ll earn points on purchases of products and services,
of value obtained through use of points; minus returns or refunds (collectively, the “purchases”), made
- repeatedly opening or otherwise maintaining with a card by you or an authorized user of the account.
credit card accounts for the purpose of Buying products and services with your card, in most cases,
generating rewards; will count as a purchase; however, the following types of
transactions won’t count and won’t earn points:
- manufacturing spend for the purpose of
› balance transfers
generating rewards;
› cash advances or cash-like transactions
- moving or transferring points to an ineligible
› travelers checks, foreign currency, money orders or wire

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Chase Freedom Unlimited® with Ultimate Rewards® Program Agreement
transfers • Rewards Categories: Merchants who accept
› lottery tickets, casino gaming chips, race track wagers Visa/Mastercard credit cards are assigned a merchant code,
or similar betting transactions which is determined by the merchant or its processor in
› any checks that access your account accordance with Visa/Mastercard procedures based on the
› interest kinds of products and services they primarily sell. We group
similar merchant codes into categories for purposes of
› unauthorized or fraudulent charges
making rewards offers to you. Please note:
› fees of any kind, including an annual fee, if applicable
› We make every effort to include all relevant merchant
• You’ll earn: codes in our rewards categories. However, even
› 1.5% Cash Back rewards for each $1 spent. This though a merchant or some of the items that it sells
equates to $0.015 in Cash Back rewards, which is may appear to fit within a rewards category, the
equal to 1.5 points, for each $1 spent. merchant may not have a merchant code in that
• For example, if you spend $100, you will earn category. When this occurs, purchases with that
$1.50 in Cash Back rewards, which is equal to merchant won’t qualify for rewards offers on purchases
150 points. in that category.
› 3% Cash Back rewards total for each $1 spent on › Purchases submitted by you, an authorized user, or the
purchases in the following rewards categories: merchant through third-party payment accounts, mobile
drugstores and dining at restaurants including takeout or wireless card readers, online or mobile digital
and eligible delivery services (1.5% additional Cash wallets, or similar technology will not qualify in a
Back rewards on top of the 1.5% Cash Back rewards rewards category if the technology is not set up to
earned on each purchase). This equates to $0.03 in process the purchase in that rewards category. For
total Cash Back rewards, which is equal to 3 points, for more information about Chase rewards categories, see
each $1 spent. You may see “3X” in marketing chase.com/RewardsCategoryFAQs.
materials to refer to the 3% Cash Back rewards total
Ways to earn bonus points
you earn for each $1 spent in these categories.
· For example, if you spend $100 on purchases in • We may offer you ways to earn bonus points through the
these categories, you will earn $3 in Cash Back program, such as Refer-a-Friend, Shop through Chase® or
rewards ($1.50 in Cash Back rewards for the special promotions. You’ll find out more about the number of
base 1.5% earned on all purchases, plus an bonus points you can earn, the duration of the offer and
additional $1.50 in Cash Back rewards because expiration date, if any, and any other terms at the time of the
your purchases were in these categories). $3 in offer. The additional terms will be part of this agreement. The
Cash Back rewards is equal to 300 points. natural expiration of a limited time bonus point offer is not a
modification to the program that requires notification.
› 5% Cash Back rewards total for each $1 spent on
purchases made using your card through Chase Travel Other information about the earning and
(3.5% additional Cash Back rewards on top of the availability of points
1.5% Cash Back rewards earned on each purchase). • Points are earned at the close of each monthly billing cycle,
This equates to $0.05 in total Cash Back rewards, based on the purchases made during that billing cycle, plus
which is equal to 5 points, for each $1 spent. You may any bonus points posted during that billing cycle, but minus
see “5X” in marketing materials to refer to the 5% Cash any returns or refunds. If you have more returns or refunds
Back rewards total you earn for each $1 spent on than points earned from purchases or bonuses, then points
purchases made using your card through Chase Travel. will be deducted from your total points balance and may
• For example, if you spend $100 on purchases result in a negative points balance.
made using your card through Chase Travel, you • You’ll see points you’ve earned on chase.com and on your
will earn $5 in Cash Back rewards ($1.50 in monthly card billing statement. Please note that on your card
Cash Back rewards for the base 1.5% earned on billing statement, you’ll see the additional points earned from
all purchases, plus an additional $3.50 in Cash rewards category purchases and the 3.5 additional points
Back rewards because your purchases were earned from Chase Travel purchases separately from the 1.5
made through Chase Travel). $5 in Cash Back points earned on all purchases.
rewards is equal to 500 points. • We may, from time to time, provide additional ways for you to
• You can book Chase Travel at chasetravel.com or see points you’ve earned, such as through Chase or third-
call the number on the back of your card. party mobile application(s).
• If only a portion of your Chase Travel purchase is • Points earned in a monthly billing cycle are generally available
paid using your card and the remaining is paid to be used at the beginning of the next billing cycle; however,
using points, only the portion paid with your card points earned on purchases made near the end of a billing
will qualify for earning Cash Back rewards. cycle may take up to one additional billing cycle to become

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Chase Freedom Unlimited® with Ultimate Rewards® Program Agreement
available. and gift certificates.
How you can use your points • Gift cards and gift certificates are valid at participating
• You can use your points to redeem for any available reward merchants only, and are subject to the issuer’s terms and
options. Options may include: cash, gift cards, travel, and pay conditions, which, if permitted by law, address expiration
with points for products or services made available through policies and non-usage fees and can be changed at the sole
the program or directly from third parties. You can also discretion of the issuer.
combine points with your other eligible Chase cards that Travel
have Ultimate Rewards. • You can use points for available airline tickets, hotel
• We may, from time to time, provide additional ways for you to accommodations, car rentals, activities and cruises through
use your points in addition to those described in this Chase Travel.
agreement, such as through Chase or third parties. • You can book Chase Travel at chasetravel.com or call the
• Redemption values for reward options vary. number on the back of your card.
› When you use points to redeem for cash, gift cards, • A service fee may be charged for calling Chase Travel to
and travel, each point is worth $.01 (one cent), which book. We’ll let you know of the amount of any service fee, if
means that 100 points equals $1 in redemption value. applicable, before you book.
› Redemption values for other reward options may be • If you don’t have enough points to book your travel, you can
worth more or less than this. pay the additional cost with your card. You can also book
• You are responsible for how points are used, including if you most travel through Chase Travel without any points by using
allow authorized users to access your points. your card to pay for it. Minimum point amounts may apply to
• To use your points, minimum and maximum amounts may some bookings.
apply. We’ll let you know about any minimum or maximum • Additional terms, conditions and disclosures may apply and
amounts, as well as any additional terms and conditions, will be provided to you before booking your travel and will be
before you use your points. part of this agreement.
• Once points have been used, the transaction is considered • For airline ticket, hotel and cruise reservations, government-
final and may not be canceled unless otherwise noted. issued photo identification is required at check-in and must
• The amount of time it takes for the delivery of items depends match the name on the reservation. For international travel, a
on the item. Some items can’t be shipped to PO Boxes or passport is required and a visa may be required along with
foreign addresses. satisfaction of health requirements. Please contact the
• Applicable sales/use taxes, fees, surcharges, and shipping consulate of the destination country, as well as any layover
and handling charges are your responsibility. and stopover destinations, for current visa/passport and other
entry requirements.
• We’re not responsible for replacing lost, stolen or damaged
redemption items, including certificates, tickets or gift cards • For any change or cancelation requests, go to
or for a merchant’s failure to honor them. chasetravel.com or call the number on the back of your card.
Change or cancelation fees may apply and will be charged
Cash directly to your account. Change or cancelation fees are
• You can use points to redeem for cash through an account based on the cash price of travel. If a refund is granted for
statement credit or an electronic deposit into an eligible travel booked in whole or in part with points, you’ll receive a
checking or savings account held by a financial institution credit to your points balance for the amount of points used. If
located in the United States. you fail to arrive for your booked travel arrangements as
• Go to chase.com/ultimaterewards, call the number on the scheduled, all payments whether made with points or your
back of your card or visit a Chase branch to request your card will be forfeited.
cash. • All additional costs, such as baggage fees, seat fees, fees
• Account statement credits will reduce your account balance. charged by the airlines, passenger facility charges,
Unless the total amount of credits and payments applied to international entry or departure taxes and/or fees, resort fees,
your account between the statement closing date and the hotel energy surcharges, any charges for one-way car rentals,
payment due date equal or exceed your statement balance, car add-ons or accessories, incidentals and any applicable
you are still required to pay your minimum payment or your local taxes and fees, are at the traveler’s expense. Travelers
remaining statement balance, whichever is less, by the should be prepared to pay in cash, in local currency, on
payment due date. location directly to the travel service provider.
Gift cards • All airline tickets will be issued as e-tickets, unless e-tickets
• You can use points for gift cards and gift certificates through are not available due to airline restrictions. If an e-ticket is
the program. unavailable, you’ll be mailed a paper ticket at no charge.
• Go to chase.com/ultimaterewards, call the number on the However, if an e-ticket is available and you request a paper
back of your card or visit a Chase branch to order gift cards ticket, you may be charged a service fee and
shipping/handling charges. All paper tickets will be shipped

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Chase Freedom Unlimited® with Ultimate Rewards® Program Agreement
within 48 hours to the address you provide. the account you maintain with the third party,
• For car rentals, minimum age requirements may vary and based on the card you save on file with them.
there may be a maximum age. Some hotels have a minimum · You will receive an email from the third party
age requirement for check-in. informing you of the auto-enrollment and how to
• For additional information about Chase Travel, please click on de-enroll if you do not want to participate.
the Travel Disclosures link which can be found at the bottom · You may de-enroll at any time.
of chasetravel.com. The Travel Disclosures are a part of this • We may give you opportunities to use your points to pay for
agreement. products or services from third-party merchants directly
Pay with Points for products and services through the program.
• We may give you opportunities to use your points for all or › Products or services may not always be available and
part of a payment for the purchase of eligible products or may change without notice.
services directly through third-party merchants or service › The redemption value of points may be worth less than
providers. In order to do so, you must either be automatically other reward options offered directly through the
enrolled or complete the self-registration process directly program.
with the merchant or service provider. › Any additional terms, conditions, disclosures or
› To participate, you may be required to authorize Chase agreements provided by us related to the products or
to share information about your account with the third services you obtain will be part of this agreement.
party. We’ll provide you with additional details as
required by law.
Combine points with other Chase cards with
Ultimate Rewards
› After you are enrolled, Chase will provide the third party
with information about your participation in the program, • You can move your points, but only to another Chase card
including your program points balance. with Ultimate Rewards belonging to you or one member of
your household.
› Points will not be used without your permission. You
select when and how many points are used each time • You can’t move points to another eligible card if either
you make a purchase with the third party, unless you account is prohibited from earning or using points at the time
opt into a default payment feature offered by the third you attempt to move the points.
party. In that case, your points will be applied • Go to chase.com/ultimaterewards, call the number on the
automatically in accordance with your selected default back of your card or visit a Chase branch to move your
payment settings. points.
› The redemption value of points may be worth less when How you could be prohibited from earning or
using them directly through third-party merchants or using points
service providers than the redemption value of points • We may temporarily prohibit you from earning points or using
used for reward options offered directly through the points you’ve already earned if we suspect you’ve engaged in
program. misuse or fraudulent activity related to your account or the
› We’ll deduct the number of points that you use from program.
your program points balance. Your points balance may • You can begin earning and using points again in the next
not reflect pending transactions until the order has billing cycle after you make a payment to your account
shipped. sufficient to become current or when we otherwise no longer
› Returns and point refunds are subject to the policies of suspect misuse or fraud of the account or program.
the third party. How you could lose your points
› Any additional terms, conditions, disclosures or
• Your points don’t expire as long as your account is
agreements provided by us or the third party related to
open; however, you’ll immediately lose all your points
the use of points will be part of this agreement.
if your account status changes, or your account is
› Auto-enrollment. closed, for misuse, fraud, or any of the following
· You may be automatically enrolled with a third reasons:
party if: › you fail to comply with other agreements you have with
- You currently have a card stored in the Chase
account you maintain with that third party;
› we believe you may be unwilling or unable to pay your
or
debts on time, including filing for bankruptcy
- You add a card to the account you maintain
› we believe that you’ve engaged in fraudulent activity
with the third party.
related to your account or the program
· Third parties may require you to take additional
• We won’t reinstate points you lose, unless we’ve made an
action prior to automatically enrolling you.
error.
· Your Ultimate Rewards account will be linked to
• If your account is closed for any other reason, you’ll have at

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Chase Freedom Unlimited® with Ultimate Rewards® Program Agreement
least 30 days from the date your account is closed to use violation of any applicable law or the rights of any third party.
your points, as long as you don’t lose them for any of the • The merchants and third-party service providers that
reasons described in this agreement. If you don’t use your participate in the program are not affiliated with us and are
points during that time, you’ll lose them unless limited or not sponsors or co-sponsors of the program. All participating
prohibited by law, in which case your unused points will be merchant and third-party service provider names, logos, and
automatically redeemed for cash in the form of an account marks are used with permission and are the property of their
statement credit. respective owners. Participating merchants and third-party
• If we decide to cancel the program, you’ll have at least 30 service providers are subject to change without notice.
days from the date we cancel the program to use your points, • Participating merchants and third-party service providers are
as long as you don’t lose them for any of the reasons responsible for the quality and performance of any products
described in this agreement. If you don’t use your points or services they provide. Chase is not responsible for any
during that time, you’ll lose them. aspects of the products and services provided by
• If we’re notified of your death, your points will be participating merchants or third-party service providers.
automatically redeemed for cash in the form of an account • The program is void where prohibited by federal, state, or
statement credit. local law.
Other important information you should know • This agreement and use of the program is governed by
• Unless required by law, points aren’t your property. Points federal law, as well as the law of Delaware, and will apply no
have no value until redeemed. You can’t transfer or move matter where you live or use the program.
points unless expressly provided for in this agreement. • We may enforce the terms of this agreement at any time. We
Additionally, points can’t be transferred by operation of law, may delay enforcement without losing our right to enforce this
such as by inheritance, in bankruptcy or in connection with a agreement at a later time. If any term of this agreement is
divorce. found to be unenforceable, we may still enforce the other
• Your participation in the program may result in miscellaneous terms.
income received from Chase and we may be required to send Communications
you, and file with the IRS, a Form 1099-MISC (Miscellaneous • We may send communications about the program to you at
Information) or Form 1042-S (Foreign Person’s U.S. Source any mailing or email address in our records or through our
Income Subject to Withholding) for the year in which you online services, such as chase.com or the Chase Mobile App.
participate and are awarded the benefits of the program. You • Let us know right away about any changes to your contact
are responsible for any tax liability related to participating in information using the Cardmember Services address on your
the program. Please consult your own tax advisor if you have card billing statement or call the phone number on the back
any questions about your personal tax situation. of your card.
• We may assign our rights and obligations under this
Telephone monitoring
agreement to a third party, who will then be entitled to any of
our rights that we assign to them. • You agree that Chase and its third-party service providers
may listen to and record telephone calls as part of providing
• We’re not responsible for any disputes you may have with any
program services.
authorized users on your account about the program.
• Chase and its third-party service providers and their
respective 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, its third-party
service providers, and their respective 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 and its third-party
service providers and all of their respective 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
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