Westgate Rewards Mastercard^® Credit Card

Q. Can I apply for the Westgate Rewards Mastercard over the phone?

A. Yes, by calling 1-855-463-6341 (TDD/TTY 1-800-695-1788).

Q. Once I am approved for the Westgate Rewards Mastercard, will I be able to use my new credit card number for any additional purchases?

A. Your new Westgate Rewards Mastercard will arrive in the mail within 2 weeks and once received, use it for everyday purchases where Mastercard is accepted to maximize point earnings.¹

Q: What are the hours of operation for the Credit Customer Care Center?

A. The Credit Customer Care Center is here to assist you 24 hours, 7 days a week. Even on Holidays! Call 1-866-886-1013 (TDD/TTY 1-800-695-1788) to speak to a Customer Care Representative.

Q. What information is available on the 24 hour Credit Customer Care Center line?

• Check account balance and available credit

• Check last payment amount and date received

• Check minimum payment due and due date

• Make a same day payment by telephone or obtain the address to send a payment

• Change address, add authorized buyer, and update last name

• Request a credit balance refund

• Request the last 10 transactions applied to the account

• Close an account and request a closed account confirmation letter

• Request a zero balance confirmation

• Request a credit limit increase

Q. How do I take advantage of the 4,000 point bonus for new accounts?²

A. You will receive this point bonus once all of the below criteria are met:

• Make purchases totaling $500 or more on your Westgate Rewards Mastercard

• Purchases are made within 60 days of opening the account

• Purchases must be made outside of Westgate

Q. How can I maximize earning points on my Westgate Rewards Mastercard?

A. It's easy to maximize earning points by using your card for everyday purchases! This means, you will earn 2 points per dollar spent on all purchases made at Westgate Resorts,³ gas stations and grocery stores,⁴ and 1 point per dollar spent using your Westgate Rewards Mastercard everywhere else Mastercard is accepted.³ Plus, you can also earn 4,000 bonus points if you make purchases outside of Westgate totaling $500 or more within the first 60 days of the account opening on your Westgate Rewards Mastercard.² You can even add Authorized Buyers to your Westgate Rewards Mastercard⁵ which allows you to earn even more points if your Authorized Buyers use their Westgate Rewards Mastercard for everyday purchases too.

Q. How do I redeem my Reward Certificates?

A. You can either bring your Reward Certificates to a Westgate Resort to redeem them toward onsite products and services or call 1-800-864-5216 to use them toward Westgate payments, room nights, and much more!

Your Reward Certificates can be redeemed toward the following Westgate products and services:

• HOA Fee

• Westgate Mortgage Payment

• Attraction Tickets

• Developer Exchange Fee

• Marketplaces

• Owner Events

• Room Reservations

• All WGR Restaurants

• Serenity Spa

• Westgate Vacation Ownership, VAC PAC, VOA, Travel Club Purchases

• Vacation Guard®

Q: Will I be able to view my statements and pay my bill online?

A: Yes. Before you can perform these activities online, you will need to enroll in Online Account Management at comenity.net/westgatecard. Instructions will also be provided on your billing statement. If online payments are made by 6 PM EST, it will be credited the same day.

Q: Can I apply my Reward Certificates toward purchases made with Westgate Cruise & Travel?

A: Reward Certificates are not applicable to purchases made with Westgate Cruise & Travel.

APPLY NOW

to apply by phone, call 1-855-463-6341

(TDD/TTY 1-800-695-1788)

Terms & Conditions:

1 This rewards program is provided by Westgate Resorts and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/westgatecard.

2 Valid one time only. Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program. Maximum of 4000 bonus points per new account.

3 Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program.

4 Offer is exclusive to Westgate Rewards Mastercard® Credit Card holders enrolled in the Westgate Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Bank does not have the ability to control assignment of merchant codes.

5 Authorized users are allowed to purchase on your account; however, as the primary account holder, you are responsible for payments on all purchases.

Credit card offers are subject to credit approval.

Westgate Rewards Mastercard® Credit Card Accounts are issued by Comenity Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.