Please refer to for more information about Program features and benefits. Additional features and benefits, including offers, may include additional details, exclusions and terms. Offers may require that a valid email address be on file with your Program account. Offers may vary depending on whether you use a JCPenney credit card or by the status of your JCPenney credit card. Offers may include, but are not limited to, percent-off or dollar-off coupons. For instance, Members may receive offers from time to time. Additional features and benefits may be included in the Program, either for a limited time or on a consistent basis. Also, Members who reside in HI or who have not achieved JCPenney Gold/Platinum credit account status must have a valid email address on file with their Program account to receive the birthday offer. and PR, and have a birthday date on file with their Program or credit account, (b) if not a JCPenney credit cardmember and/or a JCPenney Home Services Credit Cardmember, have earned points within the last 12 months, (c) if a JCPenney credit cardmember (includes JCPenney Mastercard Cardmembers), have made at least one purchase with their JCPenney credit card within the last 12 months, and (d) have a JCPenney credit card account and/or Program account that is in good standing at the time the birthday offer is issued. To be eligible for the offer, Members must (a) be residents of the 50 states of the U.S. †BIRTHDAY OFFER: A birthday offer will be sent via email, or at JCPenney’s sole option via U.S. The JCPenney Gold/Platinum Program is provided by Synchrony Bank. The JCPenney Gold/Platinum benefits are available only to residents of the 50 states of the US and PR. 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.

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. For the JCPenney Credit Card, Gold/Platinum Status is determined at the time of your monthly billing statement after meeting purchase threshold for the JCPenney Mastercard, Gold/Platinum Status is determined within two billing periods of meeting purchase threshold. Visit jcp.com/rewards to review the requirements for your account. Spend $1,000 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney Credit Card in a calendar year to earn or maintain JCPenney Platinum Status (in markets where Gold Status is not available, spend requirement for Platinum is $500). ‡JCPENNEY GOLD/PLATINUM CARD LEVEL DETAILS: You must spend $500 or more on merchandise or services at JCPenney Stores or jcp.com with your JCPenney Credit Card in a calendar year to earn or maintain JCPenney Gold Status (Gold Status is not available in select markets). For qualifying purchases and exclusions and restrictions that may apply, please see the Rewards Program Terms provided with your account agreement (as may be amended) or jcp.com/rewards. Your account must be in good standing when the reward points are earned and reward certificates are issued. Once you reach 200 points, you will be issued a $10 JCPenney Rewards certificate, redeemable on eligible JCPenney purchases (in select markets, once you reach 100 points, you will be issued a $5 reward visit jcp.com/rewards to review the requirements for your account). Rewards apply to net card purchases (minus returns). For each $1 spent on a qualifying purchase at JCPenney stores or jcp.com, you will receive 1 JCPenney Rewards point, up to the point maximum (2,000). **JCPENNEY REWARDS: JCPenney credit cardmembers are automatically enrolled in JCPenney Rewards and are eligible to earn rewards points on purchases made with their JCPenney credit card account.

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