Eligibility for rewards and/or account credit is subject to the rewards program terms and conditions. The promotional offer of 5X rewards on home improvement purchases applies to all qualified purchases made in the first 100 days after account opening. Once 25,000 bonus reward points are earned through this promotional offer, your reward earn rate will revert to the standard program. Qualifying transactions are defined in the rewards program terms and conditions. Cash advances and balance transfers do not qualify for reward points. To earn rewards, each account must remain open, in good standing and not become delinquent. All purchases are subject to credit approval.