BP Combined Rewards Terms

BP CREDIT CARD (“BP Credit Card”), BP VISA^® CREDIT CARD and BP VISA SIGNATURE^® CREDIT CARD (latter 2 products are referred to as a “BP Visa Credit Card”) REWARDS PROGRAM TERMS

By participating in the BP Credit Card Rewards Program (the “Rewards Program”), you hereby agree to be bound by these Terms. These Terms apply to earning and redeeming cents off per gallon rewards and cash back rewards (“Rewards”) under the Rewards Program. Save at the pump: When you use your BP Credit Card or BP Visa Credit Card to make purchases at participating BP and Amoco locations (“Participating Locations”) you will automatically receive cents off per gallon. Earn Cash Back Rewards: You will earn Cash Back Rewards when you use your BP Credit Card for non-fuel purchases at BP and Amoco locations or when you use your BP Visa Credit Card to make grocery store purchases and on all other purchases made using your BP Visa Credit Card (excluding BP and Amoco fuel purchases). Please see the details of the Rewards Program below.

1. CENTS OFF PER GALLON

Rewards on purchases made at Participating Locations are taken automatically at the pump.

Introductory offer: During the first 30 days after approval, you will receive an introductory discount of twenty-five cents ($0.25) per gallon in fuel purchases you make using your BP Credit Card or BP Visa Credit Card at Participating Locations. After the introductory 30-day period, you will receive the applicable fuel purchase discount described below.

BP Credit Cards: After the introductory period, you will receive a discount of five cents ($0.05) per gallon in fuel purchases you make using your BP Credit Card at Participating Locations.

BP Visa Credit Cards: After the introductory period, you will receive a discount of ten cents ($0.10) per gallon in fuel purchases you make using your BP Visa Credit Card at Participating Locations. Apple Pay: If you use an Apple Pay wallet that is provisioned with a Visa credit card, you will not receive a discount at the pump. Instead, you will receive 1% Cash Back Rewards on those fuel purchases.

2. CASH BACK REWARDS

BP Credit Cards: You will earn 1% in Cash Back Rewards for net purchases (purchases minus returns and adjustments) you make using your BP Credit Card on non-fuel purchases at BP and Amoco locations.

BP Visa Credit Cards:

A. Grocery store purchases

You will earn 3% in Cash Back Rewards for net purchases (purchases minus returns and adjustments) you make using your BP Visa Credit Card for eligible grocery store purchases. Eligible grocery store purchases are determined by the merchant category code (“MCC”) associated with the purchase. An MCC is a four-digit classification code that is assigned to a merchant by the merchant’s payment card network or merchant processor based on the predominant business activity of the merchant. The merchant’s MCC will determine whether a purchase qualifies as a grocery store purchase. Neither BP nor Synchrony Bank assign or has responsibility for the assignment of MCCs or evaluates what MCC is assigned to a particular merchant or purchase. Synchrony Bank reserves the right to determine, from time to time, which MCCs qualify for this category of Rewards. Eligible grocery store purchases are, generally, those made at merchants primarily engaged in food and grocery sales.

B. All other purchases

You will earn 1% in Cash Back Rewards for all other net purchases (purchases minus returns and adjustments) you make using your BP Visa Credit Card everywhere else the Visa credit card is accepted (excluding BP and Amoco fuel purchases).

3. How Cash Back Rewards are applied

Your Cash Back Rewards will be applied to your Card Account as a statement credit within two (2) billing periods after the billing period in which they are earned. Balance transfers, cash advances, finance charges and fees associated with your BP Credit Card or BP Visa Credit Card are not eligible to earn Cash Back Rewards. There is no maximum amount of Cash Back Rewards that you can accumulate in the Rewards Program, subject to the expiration and forfeiture of Cash Back Rewards as explained below.

4. Special Promotions

From time to time, there may be other promotional offers made in the Rewards Program the terms of which will be communicated at the time the special promotion is made.

GENERAL TERMS AND CONDITIONS

Earn Rewards in accordance with these Terms

Rewards are not transferable. Rewards are not “gifts” and are not intended for gift-giving purposes. We have the right to monitor all Rewards activity and reserve the right to remove any person from the Rewards Program in the event of any fraud or abuse in connection with this Program. Your ability to earn and redeem Rewards will be suspended if use of your Card Account is suspended. If your Rewards are cancelled or forfeited for any reason, we will not reinstate those Rewards to your account.

Rewards Forfeiture

Cash Back Rewards will be forfeited in any of the following circumstances: (i) if two or more consecutive minimum payments on your Card Account are not paid when due; or (ii) if your Card Account is closed for any reason (other than as a result of a lost or stolen card, in which case all accrued Reward Points will be applied to the replacement card).

Returns and Adjustments

If you return merchandise or otherwise create a credit for a purchase for which you previously earned Cash Back Rewards, your Cash Back Rewards balance will be reduced by the amount of the credit and may become negative. If, as a result, your Cash Back Rewards balance becomes negative, it will remain negative (and no statement credits will be applied) until you make purchases using your BP Credit Card or BP Visa Credit Card in amounts sufficient to cause your Cash Back Rewards balance to be a positive amount.

Right to Change/Modify/Cancel

We may cancel, modify, restrict, waive or terminate any portion of the Rewards Program, including but not limited to the rules for earning and redeeming Rewards and the expiration policy for Rewards, at any time, with or without prior notice, even though these changes may affect your ability to use any Rewards you have already earned. The most current version of the terms for the Rewards Program will be available at bp.com/credit and will supersede all previous versions of these Rewards Program terms.