'Tis the season to save.

ANNUAL PERCENTAGE YIELD (APY): All APYs are accurate as of .

APYs are subject to change at any time without notice. Offers apply to personal accounts only. Charges for specific services may reduce earnings. For High Yield Savings Accounts, the rate may change after the account is opened.

NATIONAL AVERAGE: National Average APYs are based on specific product types of top 50 U.S. banks (ranked by total deposits) provided by Curinos LLC through 11/03/2025. High Yield Savings Rates: Average APYs are based on High Yield Savings Accounts of $10,000. Curinos data is obtained from public sources; accuracy and completeness is not guaranteed. Curinos is not liable for reliance on the data.

FDIC INSURANCE: up to $250,000 per depositor, per insured bank, for each ownership category.

* Subject to credit approval. BONUS CASH BACK OFFER: Subject to credit approval. Earn everyday 2% cash back plus an additional 8% cash back on purchases that post to your account in the first 60 days from account opening. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Maximum of $100 additional cash back can be earned for this promotion. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied. 2% CASHBACK REWARDS: Valid on net purchases (less credits, returns and adjustments) of goods and services made with a Synchrony Premier Mastercard®. Cash back earned will be applied as a statement credit within 2 billing periods after an eligible purchase is made. Cash advances, fees and interest charges do not qualify to earn cash back. Account must be open and in good standing at the time the purchase is made and the statement credit is applied.

*See Venmo Credit Card Rewards Program Terms. Use of cash back is subject to the terms of the Venmo User Agreement. **See Terms & Rates for New Accounts. ***Subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply. You must have a Venmo account in good standing, that has been open for at least 30 days prior to application. An approved Venmo Credit Card application will result in a hard credit inquiry, which may impact your credit score.

*Not available on all devices. For a list of compatible devices visit apple.com/apple-pay. The “Add Card to Wallet” URL only works on compatible iOS devices. For a list, see support.apple.com/km207105. This functionality does not apply to Lowe’s Advantage Card. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services, LLC is a bank. Any card used in Apple Pay is offered by the card issuer. The Contactless Indicator mark and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

*NO PURCHASE NECESSARY. A purchase will not increase your chances of winning. Legal residents of the 50 U.S. (including D.C., and other US territories), 18+ who have a Synchrony Outdoors credit card; Synchrony Sport credit card; Cutting Edge credit card; Synchrony Music & Sound credit card; Synchrony Sewing & More credit card; Synchrony Car Care; Synchrony HOME credit card; and/or Synchrony Luxury credit card as of 7/28/2025. Void where prohibited. Promotion starts 8/4/2025 and ends 9/7/2025. Sweepstakes Grand Prize and Weekly Prizes awarded in the form of a check. Bonus $5,000 check awarded if you win the Grand Prize and have a High-Yield Savings Account with Synchrony Bank or applied for one during the Promotion Period. For Official Rules including odds, free method of entry, and prize descriptions visit Liveyourbestlifesweepstakes.com. Sponsor: Synchrony Bank, 170 Election Road, Draper, UT 84020.

*Subject to credit approval.
†NO PURCHASE NECESSARY. A purchase will not increase your chances of winning. For legal residents of the 50 U.S. and U.S. Territories (including D.C.), 18+ who have a CareCredit credit card as of 9/2/2025. Void where prohibited. Promotion starts 9/10/2025 and ends 10/31/2025. Sweepstakes Grand Prize and weekly prizes are awarded in the form of a check. For Official Rules including odds, free method of entry, and prize descriptions visit carecredit.com/LetsGetDigital. Sponsor: Synchrony Bank, 170 West Election Road, Draper, UT 84020.

*Subject to credit approval. Minimum monthly payments required. Gas station purchases are not eligible for Promotional Financing. For Promotional Financing details click here.

^TERMS AND CONDITIONS OF OFFER: Offer available 7/30/25-1/27/26 at participating Mattress Firm stores, special events, online via chat or by phone . Subject to credit approval. 3% back on net purchases (purchases minus returns and adjustments) will be paid in the form of a Synchrony Visa Prepaid Card by mail or email after the following offer requirements are satisfied: (1) you make a qualifying purchase on a Mattress Firm or Synchrony HOME credit card, (2) the qualifying purchase is delivered, and (3) you submit the requested rebate information and documentation. Rebate form must be submitted online or by mail postmarked by 2/27/26. Qualifying purchase amount must be on one receipt. One rebate per qualifying purchase. Maximum rebate of $500 per customer. The Visa Prepaid Card will be sent to your U.S. mailing address or email address within 8 weeks after all the offer requirements are satisfied. If the Visa Prepaid Card is not received within this timeframe, call 1 (866) 415-6540 or visit mattressfirmpromotions.com to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 5/12/26 or all rights hereunder will expire. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. The Visa Prepaid card cannot be used to make payments on the Mattress Firm Credit Card.

*Subject to credit approval. In order to qualify for this offer, you must open a new JCPenney Credit Card account and use it to make a purchase of (in the US and PR) $35–$499.99 for $35 off or $500 or more for $125 off on select original, regular, sale, and clearance-priced apparel, shoes, accessories, fine jewelry, watches, home, salon products, fragrances, and JCPenney Beauty purchases. Each offer good in store or at jcp.com, excluding taxes, from the date your application is approved through 05/31/26. One use per coupon, one coupon per customer; must be provided/surrendered at the time of purchase. Only one account opening discount can be earned per account. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive a first purchase discount coupon in their credit card package. Full amount of purchase must be on one receipt and on the JCPenney Credit Card or JCPenney Mastercard® to receive account-opening discount.Does not apply to in-store services, service plans, gift cards, closing store purchases, current orders/prior purchases, or in combination with other coupon(s). The offers can be combined with earned JCPenney Rewards. Coupon cannot be used for payment on account. Coupon cannot be replaced or redeemed as cash or merchandise credit if merchandise is returned. May not be used for purchases made by cash, Gift Cards, debit cards, American Express, Discover Card or bankcards. No cash value. JCPenney may refuse, or limit the use of, any coupon and/or return for any reason, including reoccurring disruptive behavior. Additional exclusions and exceptions may apply, See jcpenney.com/exclusions or store associate for details.

Use your Visa Prepaid Card wherever Visa debit cards are accepted in the U.S. The card may not be used at any merchant, including internet and mail or telephone order merchants, outside of the U.S. Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. This is not a gift card or gift certificate. You have received this card as a gratuity without the payment of any monetary value or consideration. The funds associated to your Prepaid Card expire 6 months from date of issue and is stated on the card front. After the expiration date, you will not be able to use this Card, and any remaining Card funds will revert and be returned to the promotional provider. Card terms and conditions apply. The Mattress Firm credit card is not a Bancorp product or service, nor does Bancorp endorse this offer.

†No Interest If Paid In Full Within 6, 12 or 24 Months on qualifying purchases with your Mattress Firm or Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12 or 24 months. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer subject to change.

Legal: *Subject to credit approval.

†NO PURCHASE NECESSARY. A purchase will not increase your chances of winning. For legal residents of the 50 U.S. and U.S. Territories (including D.C.), 18+ who have a CareCredit credit card as of 9/2/2025. Void where prohibited. Promotion starts 10/8/2025 and ends 11/30/2025. Sweepstakes Grand Prize and weekly prizes are awarded in the form of a check. For Official Rules including odds, free method of entry, and prize descriptions visit carecredit.com/LetsGetDigital. Sponsor: Synchrony Bank, 170 West Election Road, Draper, UT 84020.

*NO PURCHASE NECESSARY. Legal residents of the 50 U.S. (including D.C., and other U.S. territories). 18+. Void where prohibited. Enter by 10/31/2025. For Official Rules including prize description visit synchronyfomo.com. Sponsor: Synchrony Bank.

†Subject to credit approval. Promo Financing: Minimum monthly payments required. See dealer for details and additional financing offers.

^Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank.

*Subject to credit approval. To qualify for this offer, you must apply, be approved, and use a new MyLowe's Rewards Credit Card to make a purchase. Limit one 20% off coupon per new credit account; offer is not transferable. Max discount is $100 with this offer. Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via Text-to-Apply, or QR code: you will receive a one-time coupon/promotional code, which may be used in store or online. If you do not receive a credit decision the day you apply, but are later approved, a 20% coupon will be provided via mail with your new card. The 20% discount will be applied after all other applicable discounts. Offer can’t be used in conjunction with or on: (i) 5% Off Every Day offer, Special Financing, or any other credit-related offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Was: Now, Military Discount, Employee Discount, & Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes;(vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Coupon is not redeemable for cash, not transferable & can’t be replaced if lost or stolen. Void if altered, defaced, copied, transferred, or sold (thru any on-line auction or otherwise). Customer must pay applicable sales tax. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter these terms at any time.