Terms & Conditions | Chase +1 Student Credit Card Program

Chase +1^SM Student Credit Card Program (or the "Program") Terms and Conditions

Issuer
Your Chase +1^SM Credit Card account ("Account") is issued by Chase Bank USA, N.A. (herein after "we", "our", or "us") located in Wilmington, DE. In these Program Rules, "you", "your", means the Chase Cardmember(s) obligated on the Account enrolled in the Program noted above.

Membership
In order to join the Chase +1 credit card program, you must be a Chase +1 Student Credit cardholder and register your Account at ChasePlus1.com. Registered members will be eligible to earn Karma Points, which can be redeemed for gift cards, shared with friends, or given to causes. You can also earn an additional 5 Karma Points by passing the Credit Essentials Quiz. You can earn Karma Points and redeem gift cards as long as your registered account remains open and is not in default and you comply with the earning restrictions described in this website. This program is not subject to an annual fee.

Earning Rewards
After initially joining the Chase +1 Program at ChasePlus1.com, you must meet certain requirements in order to continue to earn additional Karma Points through the Program. You must be a Chase +1 cardholder, enroll in the Karma Points program by registering your card at ChasePlus1.com, and maintain your original Facebook profile. If you do not register your card prior to earning Karma Points, the Karma Points earned will be forfeited unless you subsequently register your Account within six months of the date the Karma Points were earned. Your ability to earn and redeem Karma Points will be based on the status of your Account. If your Chase credit card account is in default as described in your Cardmember Agreement ("Agreement"), we reserve the right to prohibit you from earning or redeeming Karma Points and confiscate any Karma Points. If your account is closed for any reason or you fail to maintain your original Facebook profile, your membership in the Program will be terminated and the total balance of your accumulated Karma Points will be forfeited. You will forfeit any unredeemed Karma Points if you leave the Chase +1 Program or the Program is terminated.

^*Karma Points will be posted at ChasePlus1.com. Please allow 6 to 8 weeks after each activity for which you will earn Karma Points. In addition to any other activities for which we may decide to offer Karma Points, you will earn twenty (20) Karma Points for your first purchase using the card. A first purchase does not include a balance transfer or cash advances. In order to receive the Karma Points for the first purchase, you must enroll in the Karma Points Program and register your card before or within six (6) months of the qualifying purchase at ChasePlus1.com. Karma Points are also earned if you pay on time. You will earn two (2) Karma Points for each month your account is in good standing and you pay your Account on time. Each time you pay your Account on time for six (6) consecutive months, and your Account is otherwise in good standing, you will earn an additional eight (8) bonus points. The consecutive month bonus is not to exceed more than sixteen (16) Karma Points per 12 month period. To pay on time, you must make at least a minimum payment on your Chase +1 Credit Card before the due date indicated on your Account statement. You can only earn and redeem Karma Points through the program if you are a Chase +1 cardholder. Be sure to enroll in the Karma Points program by registering your card immediately when you receive it. If you register at a later date, only Karma Points that would have been earned in the previous six (6) months can be awarded. See the Chase +1 Student Credit Card Program Rules and Regulations for complete details. Karma Points can only be earned and redeemed through www.chaseplus1.com.

Earning Restrictions
Karma Points earned are not transferable outside of the Program and have no cash value. If there is any abuse of the Program, failure to follow Program terms or any misrepresentation by you, all unredeemed Karma Points shall be forfeited and no additional Karma Points shall accumulate. Other than the bonus points for six consecutive on time payments, you may not earn additional Karma Points by repeating the same earning activity.

Expiration
Karma Points will expire after 12 months of inactivity at ChasePlus1.com. Inactivity means you have not passed, earned, redeemed or shared Karma Points. If you fail to register your Account with the Chase +1 credit card program through ChasePlus1.com, you are not eligible to earn or redeem Karma Points.

Redemption Process
Once you accumulate Karma Points, you will be eligible to redeem them toward gift card codes of your choice. To redeem your Karma Points, visit the Chase +1 Store at ChasePlus1.com. You may only redeem Karma Points earned or passed to you by another member. Any Karma Points that are passed to another member or one of the charities eligible to receive Karma Points are no longer a part of your Account. In most cases, gift card codes will be delivered to you electronically within 48 hours of placing your order. In certain circumstances, the delivery time may take up to 3 weeks depending on availability or system maintenance schedules.

Gift Card Restrictions
Gift cards are delivered electronically as a code via email and are not refundable, replaceable, or transferable for cash, credit, or other gift cards under any circumstances. Lost or stolen gift card codes will not be replaced. Gift card codes earned in the Program may not be re-sold or exchanged for other goods or services. We may substitute gift card codes of equal or greater value as necessary at our discretion. Some gift card codes have limited availability. Gift card codes are valid at participating merchants online stores only, through the expiration date, if any, as permitted by law. Merchants participating in the Program are subject to change. Gift card codes have no cash value and may not be redeemed for cash or its equivalent, and any unused portion may not be returned for cash unless otherwise noted on the gift card code terms and conditions. Use of any gift card code is subject to any additional restrictions listed on the the gift card code terms and conditions.

Gift Card Delivery
In most cases, gift card codes will be delivered to you electronically via email within 48 hours of placing your order. In certain circumstances, the delivery time may take up to 3 weeks depending on availability or system maintenance schedules.

Additional Obligations/Affiliations
You are responsible for any personal tax liability related to participating in the Program.

Program Restrictions
We reserve the right to approve, deny or revoke participation in the Program to any individual for any reason whatsoever.

Right to Change/Modify/Cancel
The Program and benefits are offered at our sole discretion. We reserve the right to alter or waive any Program feature or benefit prospectively or retroactively, including, without limitation, point accrual or redemption criteria, or to cancel or temporarily suspend the Program at any time without prior notice.

Program Responsibility
Individual merchants and service providers are responsible for the quality and performance of any goods supplied as reward items for this Program. Any rules of the merchants relating to returns and exchanges apply. We are not affiliated with Noise Marketing LLC or any third party vendors that provide reward items and are not responsible for goods or services offered as reward items through the Program. Questions regarding the Chase +1 Student Program should be directed to the Chase +1 contact form or 1-866-47-PLUS1. Noise Marketing, LLC, provides administrative services for the reward redemption for the Program on our behalf. Neither Chase nor Noise Marketing shall be liable for any bodily harm and/or property damage and/or lost opportunity, which may result from participating in the Program or for the provision of goods or services by award merchants or service providers.

Program Void
The Program is void where prohibited by federal, state, or local law. We have no other obligation with respect to the program beyond those described in these and the Redemption Rules and Regulations.