Program Terms and Conditions

Important Information About The Plus Miles Program

Plus Miles credit card Customers are automatically enrolled in the Platinum Plus Miles Rewards Program (the "Program"). FIA Card Services, N.A. (referred to as "FIA Card Services," "our," "us," or "we") sponsors the Program. Carlson Companies, Inc. ("Carlson") manages the Program. We shall refer to Platinum Plus Miles as Plus Miles throughout this document.

Each cardholder, joint cardholder, and authorized user(s), if any, (referred to as "Cardholder(s)," "Participant(s)," "you," or "your") with a Plus Miles credit card account ("Card"), may earn and use Plus Miles points ("Point(s)") for U.S. and worldwide air travel rewards or a selection of merchandise rewards (collectively, "Rewards"). A complete selection of Rewards is displayed online at platinumplusmiles.com (the "Site") and, upon request we will mail a printed pamphlet with an abridged selection of merchandise rewards.

Review and keep the Program Rules. The Program Rules are separate from the terms of your Credit Card Agreement: however, any Claim arising from participation in the Program is subject to the Arbitration provisions of the Credit Card Agreement. From time to time we may change the Program Rules. When any change is made, we will post revisions at the Site and/or we will notify you in writing, as applicable. It is your responsibility to review the Program Rules to be aware of any changes.

Travel Rewards

We describe Travel Rewards both in terms of the number of Points required and a corresponding maximum dollar value ("MDV"). If the dollar cost of a Reward exceeds the MDV, you must pay the difference between the cost and the MDV in order to obtain the Reward. You may charge the difference to your Card and earn Points for the transaction or you may redeem additional Points in increments of 5,000 (equivalent to an MDV of $40) to cover the difference in cost.

If the air reward you wish to obtain conforms to our specified booking terms it is considered a Basic Air Reward. If the Reward does not conform to the terms, then it will be considered a FlexAir reward and you will be required to pay a processing fee and make additional payment to cover the cost in excess of the MDV of the Basic Air Reward. You may either charge the difference to your Card and earn Points for the transaction or you may redeem Points in increments of 5,000 (equivalent to an MDV of $40), to cover the difference in the cost. Under either circumstance, your Card will be charged a processing fee (currently $40) for each transaction involving a request for a FlexAir Reward. See below for details.

The Card's Common Carrier Travel Accident Insurance coverage applies to Air Rewards obtained with Points and/or charged to your Card. See the Card's Guide to Benefits for details.

Basic Air Rewards. The number of Points and corresponding MDV required for coach class Basic Air Rewards are: within the 48 continental states of the U.S., and from the 48 states to Canada or Mexico: 35,000/$500; from the 48 states to Alaska, Hawaii, the Caribbean, Puerto Rico, the Bahamas or Bermuda: 50,000/$600; and from the 48 states to Europe: 70,000/$1,000. The number of Points and corresponding MDV required for first-class Air Rewards from the 48 states to any location listed above, are: 100,000/$1,500; 135,000/$2,000; 200,000/$3,000; 265,000/$4,000; 335,000/$5,000: each of the respective Points and MDV requirements for coach- and first-class travel also apply should the itinerary originate from AK, HI, or PR and terminate at a destination within the 48 states. References to the 48 states may also include travel to and from the District of Columbia. MDV includes all taxes and destination fees except the September 11th Security Fee. Round-trip ticketing must be made by Carlson through SABRE on the same U.S. carrier, approved by the Airline Reporting Corporation. Unless redeeming Points for first-class travel, the ticket will be coach class and the lowest fare available through Carlson.

Reservations and ticketing require at least 21 days' advance notice and must include a Saturday night stay. Most international travel: stay at least 7 but no more than 30 days. Check requirements when booking. Stopovers of more than 4 hours are not permitted and there is no limit on connections. Actual travel dates/times are subject to availability of coach- , business or first-class airfare, as applicable. Air Rewards are not refundable (see General Terms, Paragraph 8, below). Miscellaneous costs, including, but not limited to, excess baggage, gratuities, insurance, and airline amenities, are your responsibility.

FLEXAIR REWARDS. If the Air Reward you wish to obtain does not conform to the Basic Air Travel reward terms described above (e.g., less than 21 days advance notice, no Saturday night stay, stopping in multiple cities, selecting a specific airline, international travel, or similar special requests), the reward will be considered FlexAir reward. Point redemption levels for FlexAir rewards are the same as those of the Basic Air Rewards, however the MDV is different for each. The number of Points and corresponding MDV required for FlexAir rewards are: Within the 48 continental states of the U.S., and from the 48 states to Canada or Mexico: 35,000/$300; from the 48 states to Alaska, Hawaii, the Caribbean, Puerto Rico, the Bahamas or Bermuda: 50,000/$400; and from the 48 states to Europe: 70,000/$600 each of the respective Points and MDV requirements also apply should the FlexAir itinerary originate from AK, HI, or from any of the international locations and terminate at a destination within the 48 states. References to the 48 states include travel to and from the District of Columbia. If the cost of the FlexAir reward exceeds the MDV, then you may redeem Points in increments of 5,000/$40, to cover the cost of the ticket or pay the difference using your Card. For example, if the cost of the FlexAir reward within the continental U.S. is $440, and you have 45,000 Points available to redeem, you may use 35,000 Points plus two (2) 5,000/$40 credits and charge the remaining $60 to your Card. Points are redeemable only in increments of 5,000 and cannot be used to pay the FlexAir reward processing fee. MDV includes all taxes and destination fees except the September 11th Security Fee, the FlexAir reward processing fee, and any airline-imposed surcharges, including, but not limited to fuel related surcharges and/or additional security fees deemed necessary by the individual carrier.

"Points & Cash" Rewards. From time to time Plus Miles Cardholders may receive opportunities to use their Points for select non-air travel rewards: these rewards may include, but are not limited to cruise and vacation package offers. Such an offer, referred to as a "Points & Cash" Reward will feature a special payment option allowing the Customer to supplement Point earnings with payment of specific U.S. dollar sums by charging the amount to the Plus Miles credit card: while you will earn Points for the transaction, these Points may not be used to pay for the cost of the arrangements of the "Points & Cash" Reward. Each "Points & Cash" Reward offer shall be subject to special terms and conditions that will be disclosed at the time the Reward is advertised. These special terms and conditions may include the vacation supplier's cancellation and refund policies that will be applicable to your booking. All Points used to make "Points & Cash" Reward bookings shall be non-refundable, nontransferable, and may not be credited back to your accumulated Point earnings.

Merchandise

Redeem Points for merchandise selections at the Site or from the current printed pamphlet. The selection of items and the number of Points needed to obtain them may change at any time. Rewards are shipped prepaid. Subject to authorization, returns or exchanges must occur within 10 days of your receipt of merchandise rewards and we pay shipping when we arrange returns of unsatisfactory, damaged, or defective merchandise. Rewards are subject to availability. Goods of equal or similar value may be substituted if the item you select is unavailable. Featured goods may not necessarily reflect exact colors or models due to printing variation and/or manufacturers' model or style updates or photo facsimile used for general representation of merchandise. Restrictions may apply to the availability of some Rewards, such as federal, state, or local regulations or minimum age requirements. Purchase protection or extended warranty coverage associated with your Card is not applicable to Rewards. Warranty, service and/or support for goods may be available to you from third parties, not FIA Card Services or Carlson.

Most stock items ship within 48 business hours from receipt of your order, unless advised otherwise.

Rewards are sent to street addresses, no P.O. Boxes. Requests for delivery outside the continental U.S., or expedited delivery, are subject to additional shipping charges, if the service is available. Complete details about shipping, including information about direct shipments from suppliers; large freight items; damaged or incomplete shipments, and details about exchanges and refunds are found at the Site and in the pamphlet.

General Terms

  1. To participate in the Program, you must (a) maintain a Card that is open and has charging privileges, and (b) be an individual (no corporations, partnerships, or other entities).
  2. Point earnings are based on the new net retail purchase transaction volume (i.e., purchases less credits, returns and adjustments) charged to the Card during each periodic billing cycle ("Billing Cycle") by the Participant(s) ("Net Purchase(s)"). Every dollar in new Net Purchases made by you and your authorized user(s) will earn one and one-half (1.5) Points in those months when you carry a balance and pay finance charges. In those months when you do not carry a balance, you'll earn one (1) Point for every two dollars in new Net Purchases. Point earnings are rounded to the nearest whole Point and are subject to verification.

    Cash advances of any kind, including: Automated Teller Machine (ATM) and Bank teller withdrawals, balance transfers, direct deposit cash advance transactions, and credit card cash advance checks; the purchase of money orders, person-toperson money transfers, wire transfers, bets, lottery tickets and casino gaming chips; credits for returned merchandise; payments; adjustments; finance charges; credit insurance; debt cancellation charges; the annual fee, and any fees or similar charges will not earn Points. Unauthorized transactions, including those made with a lost, stolen, canceled or fraudulent Card do not earn Points. From time to time, special promotions may feature Bonus Points. Details will accompany the offer.
  3. For new Cardholders, accrual of Points may begin on your Enrollment Date. Enrollment Date means the date we mail the Card and the Credit Card Agreement to you. If you are an FIA Card Services Customer and your account is converted to the Program, you may not earn Points until the first day of the Billing Cycle beginning after you receive your Card(s). Each year, (i.e., twelve consecutive Billing Cycles, commencing with the beginning of the first Billing Cycle during which you make your first Net Purchase transaction, or if your Card is assessed an enrollment fee, commencing with the beginning of the Billing Cycle during which the enrollment fee first appears on the Billing Cycle statement ("Statement"), whichever is earlier) the maximum number of Points that you may earn is seventy thousand (70,000). Each Point expires five years from the end of the year in which it is earned.
  4. Unless specifically authorized by FIA Card Services, Points and Rewards may not be combined with other discounts, special rates, promotions, or other reward programs offered by FIA Card Services, or any entity, including airline frequent flier, hotel frequent guest or other travel-related or membership reward charge or credit card programs, whether in the U.S. or abroad.
  5. The Statement will show your Point earnings. Points are not eligible for use until they have appeared on a Statement. Points have no intrinsic cash value, are nonnegotiable, and cannot be redeemed for any benefit except those Rewards designated by us. Points are not property of any Cardholder or other person and may not be brokered; bartered; attached; pledged; gifted; sold, or transferred under any circumstances, including, but not limited to: disability; death; upon operation of law, or in connection with any domestic relations dispute and/or legal proceeding. We shall have no liability for disagreements between Cardholders regarding Points. Your Points may not be combined with anyone else's Points and Points cannot be transferred between any credit card accounts issued by us. Points cannot be used to pay off or pay down any credit card balance. Discrepancies about Point earnings are not treated as credit card billing disputes: refer to your Statement for details about billing disputes. Our decisions regarding Point discrepancies shall be final.
  6. To obtain Travel Rewards, call 1-800-600-4676. To obtain Merchandise Rewards, go to the Site or call 1-800-600-4676. Redeemed Points are deducted from your Points balance as of the date you request a Reward.

    Requests to redeem Points may be made by the Cardholder and the authorized user(s), if any. Decisions made by us regarding Point redemption shall be final. Neither FIA Card Services nor Carlson shall have any liability for fulfilling Reward requests in good faith in response to any person claiming authority to act on your behalf. You may designate anyone as the user of a Travel Reward, but all travel documents will be sent to your billing address. Merchandise Rewards can be shipped to any address you designate, subject to the shipping terms found at the Site and in the printed pamphlet.
  7. A processing fee will be billed to your Card whenever a companion booking is either made by, or on behalf of any person(s) accompanying the user(s) of any Travel Reward. This fee will be billed when the companion booking is made, whether this occurs at the time the Points are redeemed or if the booking is made at any other time. The fee will be billed without regard to the number of travelers in the party; however, an additional fee will be billed each time an additional booking of any kind is made for any companion traveler(s). Depending on travel industry circumstances, the cost of fuel and any other factors which may affect the cost of providing travel arrangements, we reserve the right to increase the processing fee and/or bill a fee for each rewards booking made by a Plus Miles Cardholder.
  8. Points redeemed for a Merchandise Reward may be credited back to your earnings if the Reward is returned in timely fashion and in accordance with the procedures we specify. Travel Rewards are considered fully redeemed once issued. No refunds, credits, or substitutions will be issued if improper proof of citizenship or naturalization result in denied boarding or entry when using a Travel Reward. Once a Reward is issued and the value of any transaction(s) forming part of any or all of the Points used to obtain the Reward is either refunded, credited or otherwise rescinded, we may, at our discretion, cancel reservations, void travel documents, interrupt the shipment of merchandise, and/or withhold subsequent Points, or collect any amount(s) you owe, in any appropriate manner, including, but not limited to, the posting of an equivalent dollar debit in the form of a cash advance transaction to your Card.
  9. Each year, your enrollment in the Program will be automatically renewed unless you notify FIA Card Services of your intention to cancel participation in the Program, or FIA Card Services notifies you of the termination of the Program. Should you wish to cancel enrollment, effective notice of cancellation must be made to FIA Card Services no later than the Payment Due Date appearing on the Statement where the annual fee charge, if any is assessed, first appears. Failure to give timely and effective notice will result in the annual fee being due and payable, as applicable. The annual fee for the Account is currently $35.
  10. If a Cardholder voluntarily closes the Card or we close the Card, all unused Points are immediately and irrevocably forfeited. We reserve the right to disqualify anyone from participation in the Program, refuse to award or redeem Points, and close your Card if, in our sole judgment, you or any other person(s) using the Card, have violated any of the Program Rules, including but not limited to acts of fraud or other abuse.
  11. We may change or limit any aspect of the Program; amend the Program Rules, benefits or features, in whole or in part; may discontinue or replace any Reward with a similar one of lesser, equal or greater value; may modify, delete or terminate any or all of the Program, the Program Rules or any portion thereof, any or all of the participating partners, rewards, benefits, or special offers, at any time. Changes may affect outstanding transactions and Points, and may include, but are not limited to, the number of Points required to receive Rewards, the type of transactions qualifying for Points, the type of Rewards, and the maximum number of Points earned per month or year, or otherwise, if applicable. The Program is not scheduled to end on a predetermined date.
  12. We are not responsible for delayed or lost correspondence sent by U. S. mail or any other form of delivery, including e-mail. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, theft, destruction or unauthorized access to, or alteration of Points accrued and redeemed or other Program activities. For information about our rights and your responsibilities regarding the online portion of the Program, see the Terms of Use at the Site.
  13. Suppliers of goods and services are independent contractors and areneither agents nor employees of FIA Card Services, Visa U.S.A. Inc., MasterCard International Inc., or any of their affiliates; or any group, organization, or entity endorsing an FIA Card Services credit card program. FIA Card Services neither offers, endorses, nor guarantees any of the goods, services, information or recommendations provided by third parties to you.
  14. The Merchandise portion of the Program is managed by Carlson Marketing Group, Inc. The Travel Rewards portion of the Program is managed by Carlson Travel Group, Inc., a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87890286); Washington (6011237430) and other states, as required.
  15. You agree to release FIA Card Services and Carlson and each of their respective affiliates and subsidiaries from all liability for injury, accident, loss, claim, expense or damages sustained by you, and in the case of a Travel Reward, anyone traveling with you or without you, in connection with the receipt, ownership, or use of any Reward. The foregoing entities shall not be liable for consequential damages, and the sole extent of liability, if at all, shall not exceed the actual value of the Reward. We are not responsible for typographical errors and/or omissions in any Program document.
  16. You are responsible for determining any tax liability arising from participation in the Program. Consult your tax advisor concerning tax consequences. The Program is subject to government approval and is void where prohibited by law. All aspects of the Program are governed by the laws of the State of Delaware, without reference to its choice of law provision.

FIA Card Services and Platinum Plus Miles are federally registered service marks of FIA Card Services. A. All other company, product, and service names may be trademarks or service marks of others and their use does not imply their endorsement or an association with this program