© 2022 Credit First National Association. All Rights Reserved.
Please read these Terms and Conditions for important information about the Credit Card Rewards Program ("Rewards Program"). Bridgestone Retail Operations, LLC ("we", "us", "our" and "BSRO") is the sponsor of the Rewards Program. Credit First National Association ("CFNA") is the issuer of the credit card ("Card") and associated credit card account(s) ("Account"). The Rewards Program is offered at BSRO's sole discretion.
To participate in the Rewards Program, you must have a Co-Brand Account with CFNA and your Co-Brand Card must transact on the Mastercard network. A Co-Brand Account is an account with a Co-Brand Card that can generally be used anywhere Mastercard is accepted (U.S. only, other restrictions apply). Accounts associated with a Private Label Card (i.e. cards that can only be used at participating retailers) are not eligible to participate in the Rewards Program. The "Enrollment Date" is the date the Account is opened or, if later, the date enrollment in the Rewards Program is completed. Rewards Program membership will be automatically renewed each year with the Terms and Conditions and the fees, if any, then in effect, until we are notified that the card is being cancelled or enrollment in the Rewards Program is terminated as otherwise permitted by these Terms and Conditions.
Unless you are participating in a limited time offer, you will earn points based on Net Purchases on the Card as follows:
Unless you are participating in a limited time offer, you will earn additional rewards based on Net Purchases on the Card as follows:
Program tier will be based on Net Purchases made during a calendar year, and status will be earned for any remaining months in the current calendar year, plus all of following year. We reserve the right to retroactively correct errors made in assigning a tier status, including changes in tier status due to purchases subsequently being disqualified as a Net Purchase.
You'll earn Points for Net Purchases using your Card. "Net Purchases" are authorized, new purchases posted to the Account on or after the Enrollment Date, excluding refunds, credits (for returned merchandise or otherwise), and disputed billing items. Net Purchases do not include (a) annual fees, finance charges, and other fees or charges posted to the Account; (b) charges for other products, services, or benefits that CFNA provides; or (c) other transactions that we determine not to be eligible. "Automotive Purchases" are Net Purchase made at any merchant whose merchant category code ("MCC") is classified by the payment card industry as "Bridge and Road Fees, Tolls" (MCC 4784), "Convenience Stores" (MCC 5499), "Auto and Truck Dealers-Sales, Service, Repairs, Parts, and Leasing" (MCC5511), "Auto Store" (MCC 5531), "Automotive Tire Stores" (MCC 5532), "Automotive Parts, Accessories Stores" (MCC 5533), "Electric Vehicle Charging" (MCC 5552), "Automotive Service Shops" (MCC 7538), "Car Washes" (MCC 7542), "Towing Stations" (MCC 7549), or "Automobile Associations" (MCC 8675). "Fuel Purchases" are Net Purchases made at any merchant whose merchant category code ("MCC") is classified by the payment card industry as "Service Stations (with or without ancillary services)" (MCC 5541) or "Automated Fuel Dispensers" (MCC 5542). We reserve the right to determine, in our sole discretion, whether transactions qualify as Automotive Purchases, Fuel Purchases, or Net Purchases, and our determinations shall be final. Points are earned at the time of purchase but will not appear as available for approximately 14 days following the date of purchase. Points may be deducted for awards based on purchases that are subsequently subject to a refund, credit, or dispute, which could result in a negative point balance. We reserve the right to retroactively correct errors made in point awards. Points will not be earned if the Account cannot be used for new purchases or participation in the Rewards Program has been suspended. If a Card is reported lost or stolen, we may temporarily suspend our awarding of points in the Rewards Program until a new card is issued. At our sole discretion, we may award additional bonus points in connection with certain purchases and/or promotions. Additional details and additional terms and conditions will be provided with such offers and are in addition to the Rewards Program Terms and Conditions unless otherwise specified therein. We reserve the right to determine which Net Purchases are eligible for bonus points.
You may earn Points as long as your Account is not suspended or closed and you are not otherwise in violation of your Account agreements. If your Account is suspended, you will not be able to earn Points until your Account is unsuspended. If your Account is closed, you will no longer be able to earn Points, and you will lose any accumulated Points that have not been redeemed as of the date the Account is closed.
There is no limit on the number of points that can be earned. However, if we offer bonus points, we may limit the number of bonus points awarded for certain purchases and/or promotions.
You may not transfer your Points balance to another CFNA account, and you may not combine Point balances with Points earned in other CFNA accounts. If your Account is closed, all accumulated Points will be forfeited at the time of Account closure and cannot be transferred to a new Account.
Your total points balance will expire after 365 days of customer purchasing inactivity. As long as you make a purchase within 365 days of your last purchase, your total points balance will remain active.
There is no annual Reward Program fee.
We may change or terminate the Rewards Program in our discretion at any time with or without prior notice to you except where required by law.
If we see evidence of fraud, misuse, abuse, or suspicious activity, as determined by us in our sole discretion, we reserve the right to take action against you. This may include, without limitation and without prior notice, any or all of the following:
Some examples of fraud, misuse, abuse and suspicious activity include:
You authorize us, or our servicers, assignees, or third-party vendors to contact you by telephone, mail, e-mail, fax, prerecorded message, automated voice, text message, digital, computerized, or other means allowed by law regarding the Rewards Program. You agree that we may call you about the Rewards Program using an automatic dialing - announcing device and that these calls will not be deemed "unsolicited" calls under state or federal law. You understand and agree that by providing us with a wireless telephone number, you consent to receiving autodialed and prerecorded message calls or text messages from us or our servicers, assignees, or third-party vendors at that number. Message and data rates may apply and message frequency varies. We may monitor and/or record telephone calls between you and us for quality assurance. You agree that monitoring and/or recording may be done and that no additional notice to you or additional approval from you is needed.
The information you provide us in connection with the Rewards Program will be handled in accordance with the BSRO Privacy Policy (www.bebridgestone.com/privacy-policy).
For purposes of this Arbitration Section, the terms "we," "us" and "our" refer to Bridgestone Retail Operations, LLC, its parents, wholly or majority owned subsidiaries, affiliates, predecessors, successors, assigns, employees, officers and directors. If either you or we choose arbitration, neither you nor we will have the right to litigate that claim in court or to have a jury trial on that claim, or to engage in pre-arbitration discovery, except as provided for in the arbitration rules of the American Arbitration Association ("AAA"). In addition, you will not have the right to participate as a representative or member of any class of claimants related to any claim subject to arbitration. The arbitrator's decision will generally be final and binding. Other rights that you would have if you went to court may also not be available in arbitration. It is important that you read the entire arbitration provision carefully before accepting these Terms and Conditions.
A "Claim" is any pre-existing, present, or future claim, dispute, or controversy of any kind (including but not limited to constitutional, statutory, regulatory, common law, contract, tort and equitable claims) arising from or relating to (a) the Rewards Program, (b) the actions of you, us or third parties, or (c) the validity or meaning of this arbitration provision and every other provision in these Terms and Conditions.
You agree that either you or we can choose to have any Claim resolved by binding arbitration. You and we acknowledge that each waives the right or opportunity to litigate a Claim in a court of law, and that each agrees to resolve any Claims arising out of these Terms and Conditions through binding arbitration. If this Section (or any part of it) is determined invalid or illegal under any applicable statute or rule of law, it will be deemed omitted without affecting any other provisions of these Terms and Conditions, which shall remain in full force and effect.
There shall be no authority for any Claims to be arbitrated on a class action basis. An arbitration can only decide our or your Claim and may not consolidate or join the claims of other persons who may have similar claims.
Any arbitration will be conducted in accordance with the AAA's rules applicable to consumer disputes. For additional information go to: http://www.adr.org/. Any arbitration hearing that you attend will take place in the federal judicial district where you reside. At your request, we will advance the first $250 of the filing and hearing fees for any Claim you may file against us; the arbitrator will decide whether we or you will ultimately pay those fees. This arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. The arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized by law. This arbitration provision shall survive redemption of your Points and termination of your participation in the Rewards Program.
Judgment upon the award may be entered in any court of law of competent jurisdiction.
These Terms and Conditions are governed by the laws of Ohio, without regard to its conflicts of law provisions.
CFNA 02/01/2025
