If any owner of a joint account receives a perk and activates it, any owner can redeem the perk. But it can only be redeemed once by one person.

A single use offer can only be used once within the timeframe listed whereas a multiple use offer can be used more than once.

Purchases made before the 20th of the month will be paid on the last business day of the month. Purchases made after the 20th of the month will be paid the following month.

Any purchases made using PayPal, Alipay or POLi are ineligible for Perks.