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You may participate in card-linked-offers by following these steps:

1. Register your card - Once you login to your PENN Earn Marketplace account, click the Card-Linked Offers tab followed by the “Link My Cards” button. On the card registration screen, register your credit or debit card. You only need to register a card once and may register more than one card. It may take up to 24 hours for a payment card registered on the site to be fully registered to your PENN Earn Marketplace account. Participating merchants will be automatically linked to your card.
2. Shop at participating stores - You can then shop at any of the participating merchants to earn PENN Cash.
3. Earn PENN Cash - It may take up to 120 days before you see PENN Cash earned for card-linked purchases reflected in your PENN Play account.

You will be able to register US-issued credit and debit cards bearing the Mastercard, Visa or American Express symbols. Not all Mastercard, Visa and American Express cards are eligible for registration, however. Mastercard, Visa and American Express Corporate cards, Mastercard, Visa, American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, Mastercard, Visa and American Express-branded cards whose transactions are not processed through the Mastercard, Visa U.S.A payment system and/or American Express payment system are not eligible to participate. If you have trouble registering your card, please use the Contact-Us form, and someone from our Customer Support Team will be happy to assist you.

Yes, debit transactions can be tracked. However, if you register a debit card, your transaction must be processed as a 'credit' (i.e., signature) transaction to make sure the transaction can be monitored. Do not use a Personal Identification Number (PIN) when paying for your purchases with your enrolled debit card if you want the transaction to be eligible for rewards or offer completion.

Your credit or debit card information is only required if you wish to participate in the Card-Linked Offer program. You only need to do this once and you can add or delete cards at any time. An encrypted and unique identifier is created using your credit or debit card number when you register for card-linked offers. Using that secure ID, we notify Mastercard, American Express and/or Visa (via bank-level secure communication) that you have registered an offer. Once you make a qualifying transaction at one of the participating merchants, we are securely notified by one of these card networks and authorize the redemption of your offer. In other words, we use your registered payment cards to track your spend at participating retailers to determine whether you are eligible to earn PENN Cash. This avoids you needing to show a coupon or voucher to the retailer.

For card-linked offers, only US-issued cards will work, and only US-based stores are participating in Card-Linked Offers. United States Virgin Islands and Puerto Rico are included.

You will never be charged for anything by PENN Earn Marketplace. Your card-linked transactions, made at the participating merchants, will be tracked so we can award you PENN Cash.

No. You must be a PENN Play member to earn PENN Cash. Once you login to your PENN Earn Marketplace account, click the 'Card Linked Offers' tab followed by the “Link My Card” button.

After you register a card for Card-Linked Offers, all participating merchants and corresponding offers are automatically linked to your card within 24 hours. You don't need to click an offer or opt-into each offer individually.

It may take up to 24 hours for a payment card registered on the site to be registered to your PENN Earn Marketplace account.

The participating retailers and current offers will change from time-to-time and can vary by individual. So we suggest you regularly login to your PENN Earn Marketplace account (under the Card Linked Offers tab) to see which offers are currently available to you.

We only see transactions made at merchants linked to your card after you’ve shopped. Not all transactions made with your registered card can be tracked. Mastercard, Visa and American Express may be unable to monitor every transaction made with your enrolled card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, or payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Mastercard, Visa or American Express card as a funding source but you do not present your card directly to the merchant), for example.

Upon successful completion of your purchase with a card linked retailer, your transaction will appear in the My Purchases section on PENN Earn Marketplace as ‘Pending’ within 7 working days. We'll confirm the transaction with the Retailer before updating the transaction status to 'Approved' within 60 days..

When viewing an offer, hover over the "More Details" icon associated with each offer to see the detailed terms and conditions, along with other information about the offer.

No. You do not need to present anything at the point of sale. Just swipe your card as you normally do. Once you register your card for Card-Linked Offers, all offers are linked to your card automatically (although this process can take up to 24 hours).

No, you do not have to swipe your card to earn PENN Cash. Payments using chip readers, contactless and digital wallet technology will earn PENN Cash the same as if the card was swiped. However, there are two types of transactions that will not register. Please see below.

1. Purchases made with debit cards by entering a pin (This can be avoided by choosing the credit card option when making a debit card purchase)
2. Purchases made on most tablet based POS terminals (ie. Square, Clover)

The qualifying amount must be met in a single transaction. The first qualifying transaction will count toward redemption. For example, if the minimum spend is $10 and you spend $9 on your first trip to the retailer or restaurant, you will not receive your savings. If you return a second time and spend $11, you will receive your savings because you have met the requirement for minimum spend set by the retailer or restaurant.

It may take up to 7 business days for card-linked purchases to be reflected in your account as pending. If you’d like help figuring out what has happened, contact us.

No. Only purchases made after you’ve registered your card will count.

The PENN Earn Marketplace online mall will clearly outline how much PENN Cash you'll earn. In most cases, this will be expressed as a % of PENN Cash on your total purchase with the retailer

PENN Cash are not calculated on postage/handling or tax.

You cannot pay for your purchases with PENN Cash.