Nissan® Visa Signature® Credit Card and Nissan Visa Credit Card Rewards Program Terms and Conditions ("Credit Card Rewards Terms")

By participating in the Nissan Visa Signature Credit Card or Nissan Visa Credit Card (each a "Nissan Visa Card") Credit Card Rewards Program (the "Rewards Program"), you hereby agree to be bound by these Credit Card Rewards Terms. These Terms apply to earning and redeeming rewards ("Rewards") under the Rewards Program.

Make Purchases with your Nissan Visa Card and Earn Points
When you make an eligible net purchase (eligible purchases minus credits, returns and adjustments) ("Eligible Purchase") with your Nissan Visa Card, you will automatically earn Rewards points in your Rewards Program account if your Nissan Visa Card account is open and in good standing at the time you make an Eligible Purchase. Rewards points will be posted to your Rewards Program account within thirty (30) days of the rewards points being earned. Eligible Purchases do not include special financing purchases, balance transfers, cash advances, finance charges and fees associated with your credit card. If you believe there is an error in how your Rewards points are calculated, please call the number on the back of your card.

A MCC is a four-digit classification code as defined by Visa USA that is assigned to a merchant by the merchant's payment card network or merchant processor based on the predominant business activity of the merchant. The merchant's MCC will determine whether an Eligible Purchase qualifies for the 5 points or 3 points Reward level. For example, a dining purchase at the café area of a grocery store may have a MCC identification as a type of merchant other than a dining establishment and therefore would not qualify as a dining purchase under these Credit Card Rewards Terms. Neither Nissan nor Synchrony Bank assigns or has responsibility for the assignment of MCCs or evaluates what MCC should be assigned to a particular merchant. Synchrony Bank reserves the right to determine from time to time which MCCs qualify for particular category Rewards levels. Synchrony Bank is not responsible for awarding Rewards points for Eligible Purchases of gas or dining made at merchants who do not accurately report transactions using the MCCs described above.

Redeem Your Rewards Program Points
You may redeem your Rewards Program points (i) at participating Nissan and Infiniti Dealerships for a "Purchase Reward" or (ii) for a statement credit applied to your Nissan Visa Card account. Rewards point balances will be displayed on your Nissan Visa Card account billing statement. Please visit www.nissancreditcard.syf.com/dealers or call the number on the back of your card for a list of participating Nissan and Infiniti Dealerships where your Rewards points can be redeemed.

Your Nissan Visa Card account must be open and in good standing when you redeem your Rewards points. If your account is not in good standing for any reason, you will not be able to redeem Rewards points until your account is brought back into good standing status. If your Nissan Visa Card account is closed for any reason, by you or by Synchrony Bank, before your points are calculated or redeemed from your Rewards Program account, you will forfeit all points you may have earned that had not yet been credited to your Rewards Program account or that have not yet been redeemed from your Rewards Program account. Rewards points will expire five (5) years from the date the point was earned.

Other Conditions
Synchrony Bank reserves the right to cancel, modify, restrict, waive or terminate the Rewards Program or any aspects or features of the Rewards Program (including, without limitation, the number of points earned for each dollar in Eligible Purchases made with your Nissan Visa Card), at any time and without prior notice. Synchrony Bank also reserves the right to remove any participant from the Rewards Program in the event of any fraud or abuse in connection with the Rewards Program. Points accumulated under the Rewards Program are not transferable. Points accumulated under the Rewards Program are not redeemable for cash, and may not be used for gift-giving purposes. You acknowledge that the points earned under the Rewards Program have no value and that the points are purely promotional and are provided without the payment of any consideration or other thing of value. Unless and until points are redeemed in accordance with these Credit Card Rewards Terms, you have no right, title or interest in the points.

Last updated: December 2016
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