As of June 15, 2024
Important note: These program terms contain provisions that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration. Review the "Agreement to Arbitrate" section below.
Please read these Program Terms carefully for important information about your rights and obligations in the Boscov's Credit Card "B Rewarded" Rewards Program ("Program"). By participating in the Program, you agree to these Program Terms.
The Program is provided by Boscov's Department Stores, LLC ("Client Name") and serviced by Comenity Capital Bank ("Bank"). Boscov's Department Stores, LLC is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their Boscov's Credit Card ("Card".) The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.
For the most up-to-date terms, please visit comenity.net/boscovs.
General Information
The Program allows you to earn Points ("Points") on the dollars you spend, as described in the "Earning Points" section below, using your Boscov's Credit Card Account (your "Account"). You can then redeem Points for Boscov's "B Rewarded" Certificates as described in the "Issuing Rewards and Redemption" section below.
These Program Terms are separate from your Boscov's Credit Card Account Agreement (your "Account Agreement"), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.
All information collected about you in connection with the Program is subject to Boscov's privacy policy, which can be obtained at https://www.boscovs.com/privacy-policy
Earning Points
You will earn Points when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds or credit adjustments ("Net Eligible Purchases"). Reward earn is rounded to the nearest whole point value using standard rounding. Earning calculations that end in .5 will round up to the next whole point value. For example, earn calculated to 1.5 points rounds to 2 points. All calculations that result in less than .5 will round down. For example, calculated earn of 1.4 points would round to 1 point.
Using your Boscov's Credit Card, you will earn:
Points are not earned on: taxes, shipping & handling, amounts of a purchase that use reward certificates, unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, interest charges, and fees of any kind.
Boscov's may temporarily prohibit you from earning Points, using Points, receiving or redeeming Reward Certificates, or using any features of the Program if: your Account becomes delinquent; Comenity Capital suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or Boscov's suspects that you misused the Program in any way.
Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Points balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Points and may result in a negative Point balance. If your Point balance goes negative, you must first earn enough Points to bring your Point balance to zero before earning any Points eligible for redemption. Boscov's and Comenity Capital reserve the right to verify and adjust Points, as applicable, at any time.
Bonus Points for Special Offers
From time to time, Boscov's may make bonus offers to earn additional Points ("Bonus Points"). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Points limits, or exclusions. You may have to register to qualify for the offer. Boscov's may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.
Expiration
Important note: Points will expire at the end of the program year on January 31st.
Reward Certificates expire 120 days from the date they are issued.
At the end of each program year, unredeemed Point balances of three hundred (300) Points or more will be automatically issued via direct mail, email or statement for a reward down to the penny (i.e. 361 Points = $3.61 in a reward certificate). All other Point balances below three hundred (300) Points will be forfeited.
Termination and Forfeiture
Important note: Subject to any requirements or limitations of applicable law, Boscov's may at any time for any reason change or terminate the Program and these Program Terms without notice.
Boscov's reserves the right to terminate you from the Program. If the Program terminates, Boscov's terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Points will be forfeited.
Points will be forfeited if any of the following occur: your Account is closed (Except for New York residents, where Points will be forfeited 90 days from notice of Account closure unless your Account is closed for misuse); you terminate your participation in the Program; you or any authorized user engages in any fraudulent activity or misuse related to your Account or the Program, or engage in any activity deemed to be abusive or gaming conduct, as determined by Boscov's. Misuse includes, but is not limited to, obtaining or using an Account to maximize Points earned in a manner that is not consistent with typical consumer activity as determined in Boscov's sole discretion.
Misuse of your Account also includes, but is not limited to, failure to make timely payments or any other violation of the terms of your Credit Card Agreement.
Points earned will be forfeited upon your death, and your estate, successors and assigns will have no property rights or other legal claim to access and redeem such points, unless the Bank receives a written request for redemption of points within 12 months of the documented date of your death from the executor or administrator of your estate, along with documentation satisfactorily to us of your death and the identity and appointment of the executor or administrator. Whether points are eligible for redemption and how they may be redeemed depends on the final status of your account. Redemption is subject to the account being closed and paid in full, and is in our sole discretion.
Issuing Rewards and Redemption
For every 500 Points you earn, you will receive a $5 "B Rewarded" Certificate. "B Rewarded" Certificates will be issued in increments of $5 for every $250 spent in Net Eligible Purchases. Note: If the purchase contains only cosmetics and fragrances, a $5 certificate will be issued for every $125 spent due to the double points awarded for cosmetic and fragrance purchases. Multiple "B Rewarded" Certificates may be issued, however no more than one (1) Boscov's Reward Certificate will be issued in any billing period. "B Rewarded" Certificates may only be redeemed on qualifying purchases using your Account in stores and online at www.boscovs.com.
"B Rewarded" Certificates may not be applied to past purchases or used towards taxes / shipping charges / gift cards. "B Rewarded" Certificates may not be combined with any other discount or certificate, except as otherwise provided. "B Rewarded" Certificates can be partially redeemed if the purchase amount does not exceed the Rewards Certificate amount.
Boscov's is not responsible for lost or stolen "B Rewarded" Certificates.
You will receive your "B Rewarded" Certificate via direct mail or email each month. Contact the Bank to update your contact information for your Account.
Other Terms
Points may not be sold, transferred, or altered in any way by you. Points you earn may not be combined with Points earned on any other credit account or earned by anyone else (other than your Authorized User).
Points and "B Rewarded" Certificates have no cash value and are purely for promotional purposes. "B Rewarded" Certificates may not be used as payment for any outstanding obligations to the Bank or its affiliates.
If you return merchandise purchased using a "B Rewarded" Certificate, the dollar value of the "B Rewarded" Certificate will be converted to a merchandise credit if applicable.
You may review your Points balance via Account Center or billing statement. It may take up to two billing cycles for Points to post. The amount of Points earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.
Communications and Customer Service
We may send communications regarding the Program by mail, phone, email or other methods, including through online Account Center or mobile app.
If you have any questions about the Program or to update your contact information, please contact the Customer service phone number on the back of your card or visit Account Center. Boscov's and Comenity Capital are not responsible for "B Rewarded" Certificates or communications lost or undelivered due to incorrect or outdated address or email.
You can review your Program activity at comenity.net/boscovs or on your billing statement.
Point Disputes
If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance ("Points Dispute") by calling 1-844-271-2778 (TDD/TTY 1-888-819-1918) or by writing to 4500 Perkiomen Ave., Reading, PA 19606. Boscov's and Comenity Capital will use reasonable efforts to investigate your Points Dispute if you notify Boscov's and Comenity Capital within 90 days of the posting date. If you do not notify Boscov's and Comenity Capital within that period, you waive your right to make a Points dispute with respect to that purchase. Boscov's and Comenity Capital may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, Boscov's and Comenity Capital will have no further responsibilities if you later reassert the same Points Dispute.
Limited Liability
Unless otherwise required by law, neither Boscov's nor the Bank, nor any of our or its affiliates, officers, directors, employees, service providers, or agents will be liable to you, or anyone making a claim on your behalf, in connection with the Program or these Program Terms, including but not limited to, use of the Program and any redemption for or purchase of products or services through the Program.
Important note: Notwithstanding the foregoing, any liability that Boscov's may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Program Terms. In addition, unless otherwise required by law, you and we each waive the right to seek punitive or exemplary damages against the other.
No Warranties
Boscov's, the Bank, and all of each of such company's respective subsidiaries and affiliates make no warranty, express or implied, including but not limited to, any warranties of merchantability or fitness for a particular purpose with respect to the Program or any products or services related to such Program.
Taxes
You are responsible for any tax liability that may result from participation in the Program or use of any Rewards Certificates. Consult your tax advisor concerning such tax consequences.
Cancelling Program Participation
You may cancel your participation in the Program at any time by calling us at 1-844-271-2778 (TDD/TTY 1-888-819-1918). If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously redeemed Rewards.
Governing Law
The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Utah. You may not assign your rights or obligations under these Program Terms to any other person or entity. Important note: You and Boscov's/Comenity Capital agree that each of us may bring claims arising from or relating to these program terms only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.
"Claim," as used in these Program Terms means any claim, dispute or controversy that in any way arises from or relates to these Program Terms.
Complete Agreement; Severability; Conflicts; No Waiver
These Program Terms supersede any previous terms and conditions governing the Program. The Program is not available where and to the extent prohibited by law. If any part of these Program Terms conflict with applicable law, that provision will be deemed severed from these Program Terms and the remainder of the Program Terms will remain in effect. Boscov's will not lose our rights under these Program Terms because we choose to delay or not enforce them.
Agreement to Arbitrate
Important note: Any party may elect to arbitrate any claim arising from or relating to these program terms (including disputes about the validity, scope or enforceability of this agreement to arbitration), in which case such claim shall be settled by binding arbitration on an individual basis and not as part of any class or representative action.
Arbitration may be elected by any party with respect to any such Claim, even if that party has already initiated a lawsuit with respect to a different Claim. Boscov's will not demand to arbitrate an individual Claim that you bring against us in small claims court or your state's equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, Boscov's then has the right to demand arbitration.
The arbitration will be conducted by the American Arbitration Association ("AAA"), JAMS, or any other company selected by mutual agreement of the parties (the "Administrator"), in accordance with the rules of the Administrator. Payment of all filing, administration and arbitrator fees will be governed by the Administrator's rules. If, however, you are able to demonstrate that the costs of arbitration will be cost-prohibitive for you as compared to the costs of litigation, Boscov's will pay as much of the filing, administration and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive for you. The arbitrator will not have the power to award punitive or exemplary damages, the right to which each party hereby waives. The arbitrator's decision must be with written explanation and remain confidential. For purposes of this "Agreement to Arbitrate" section, these Program Terms are governed by the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
Opt-Out Procedures: You may choose to opt-out of this Agreement to Arbitrate by sending a written notice within 30 days after the date you accept these Program Terms for the first time. You may send your opt-out notice by mail or hand delivery to 4500 Perkiomen Ave, Reading, PA 19606. Your opt-out notice must include your full name and clearly indicate your intent to opt-out of the arbitration provisions.
Prior to initiating any arbitration, the initiating party will give the other party at least 60 days' advanced written notice of its intent to file for arbitration Boscov's will provide such notice by mail or email using the contact information on file with us and you must provide such notice by mail to us at 4500 Perkiomen Ave, Reading, PA 19606.