Point Accumulation
A Cardmember will earn one point for each $1 in Net Purchases charged on his/her Advanta Business Card account. After a Cardmember has used the Advanta Business Card for twelve months, and at the end of each twelve-month period thereafter, an annual points bonus of 50% of the number of points earned over the preceding twelve billing cycles is awarded provided the Cardmember always pays at least the minimum monthly payment due on time and the account is otherwise kept in good standing. Net Purchases means purchases of goods and services made for business purposes with the Advanta Business Card while the account is in good standing by the Signing Individual or any authorized user of the account, net of any returns and credits. Net Purchases do not include, and points are not earned on, points purchases, cash advances, balance transfers, convenience checks, fees, finance charges, adjustments, or any other non-purchase transactions or charges. Any questions regarding the eligibility of a purchase will be resolved at the sole discretion of Advanta.

There is no limit to the number of points a Cardmember can earn. For accounts with multiple cards, all points are earned on the Signing Individual's account. Points are not transferable, have no cash value or partial or residual value, and cannot be combined. Points will be administered according to the Program Rules established and interpreted by Advanta and the Program Administrator. Point balance information is shown on the Cardmember's monthly billing statement or is available by logging on to the Advanta Business Rewards Center at www.advanta.com. No points are earned on transactions made during any billing cycle for which the monthly payment is not paid as agreed or in which the account is otherwise in default. Points will not expire.

Points Purchase
Points may be purchased in 1,000-point increments. Each 1,000 points costs $10 which will be charged directly to the Cardmember's Advanta Business Card account. No other method of purchase or credit card may be used to purchase points. Points purchases do not earn points, and like all transactions are subject to the account credit limit. Points purchases are irrevocable upon Advanta's authorization. Purchased points are available to be redeemed for rewards immediately upon completion of the points purchase. A Cardmember may purchase a maximum of 120,000 points in any calendar year. All purchased points are subject to all Advanta Business Rewards Program Rules applicable to points, including those concerning forfeiture.

Point Redemption
To redeem points, a Cardmember's account must be open and in good standing. Points are redeemed on a first-in, first-out basis. For accounts with multiple cards, only the Signing Individual may redeem points on the account. To redeem points for travel, certificates and merchandise, Cardmembers can either log on to www.advanta.com or call Advanta Customer Service.

Points do not constitute credits to the Cardmember's account, and cannot be used to offset the Cardmember's obligations to Advanta or otherwise.

Cash
Points may be redeemed for cash, issued in the form of a check, in $50 increments. Each $50 requires the redemption of 5,000 points. There is no limit to the number of cash redemptions a Cardmember may make. Cash rewards checks will be sent via USPS 1st class mail to the address listed on the Cardmember's Advanta Business Card account within 2–4 weeks and are valid for 90 days. All cash rewards redemptions are final.

General
Business Rewards Program membership is automatically renewed each year at the terms and fees then in effect, unless Cardmember notifies Advanta of cancellation. Eligibility is restricted to Advanta Business Rewards Cardmembers whose accounts are in good standing. No points are earned, and no points may be redeemed for rewards, at any time when the account is not open and in good standing. If account status is never restored to good standing, any accrued unredeemed points are forfeited. If an account is closed by a Cardmember or by Advanta, the Cardmember is no longer able to redeem points and any accrued unredeemed points are forfeited.

Advanta Business Rewards selections are subject to change and to availability. Advanta or the Program Administrator may discontinue selections without advance notice. Cardmembers are responsible for any fees, charges and tax liability related to participation in the Program as a result of points earned and/or redeemed.

In the event of fraud or abuse of Program privileges or violation of Program Rules (including any attempt to sell, exchange or otherwise transfer points or any instrument exchangeable for Advanta Business Rewards), Advanta and the Program Administrator reserve the right to cancel membership in the Business Rewards Program.

All rewards items are provided by third parties who are responsible for the items supplied. By redeeming points, the Cardmember releases Advanta and the Program Administrator from any and all liability regarding the redemption of points and regarding any products or services for which they are redeemed. These Program Rules replace and supersede all previous rewards rules, catalogs and brochures and are subject to change without notice. The Advanta Business Rewards Program is void where prohibited by law. The Advanta Business Rewards Program is offered at the sole discretion of Advanta, who reserves the right to change or discontinue any Program feature at any time. Every effort has been made to ensure that the information provided is accurate, but neither the Program Administrator nor Advanta nor any other entity or person associated with the Business Rewards Program shall have any liability arising from, or related to, the Program.