Every $1 spent will earn one Joy Credit which can be converted into $0.02 in dollar value.
Example 1If a JPM makes a nett purchase of $89.40, she will earn 89 Joy Credits which can be converted into $1.78.
Example 2If a JPM makes a nett purchase of $89.60 she will earn 89 Joy Credits which can be converted into $1.78.
Joy Credits alway round down to the nearest point.