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CapitalOneRatesandDisclosures

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CAPITALONEIMPORTANTDISCLOSURES
InterestRatesandInterestCharges
AnnualPercentage
Rate(APR)for
Purchases

12.9%,17.9%or22.9%,basedonyourcreditworthiness.

APRforTransfers

12.9%,17.9%or22.9%,basedonyourcreditworthiness.
ThisAPRwillvarywiththemarketbasedonthePrimeRate.

APRforCash
Advances

24.9%.
ThisAPRwillvarywiththemarketbasedonthePrimeRate.

PenaltyAPRand
WhenItApplies

29.4%.
ThisAPRwillvarywiththemarketbasedonthePrimeRate.
ThisAPRmaybeappliedtoyouraccountifyoumakealatepayment.
HowLongWillthePenaltyAPRApply?:IfAPRsareincreasedforapaymentthatislate,the
PenaltyAPRmayapplyindefinitely.

PayingInterest

Yourduedateisatleast25daysafterthecloseofeachbillingcycle.Wewillnotchargeyouinterest
onnewpurchases,providedyouhavepaidyourpreviousbalanceinfullbytheduedateeach
month.Wewillbegincharginginterestoncashadvancesonthetransactiondate.

MinimumInterest
Charge

Ifyouarechargedinterest,thechargewillbenolessthan$0.50.

ForCreditCardTips
fromtheConsumer
FinancialProtection
Bureau

Tolearnmoreaboutfactorstoconsiderwhenapplyingfororusingacreditcard,visitthewebsiteof
theConsumerFinancialProtectionBureauathttp://www.consumerfinance.gov/learnmore.

ThisAPRwillvarywiththemarketbasedonthePrimeRate.

Fees
AnnualFee

$0introforthefirstyear,$59thereafter.

TransactionFees

Transfer

None.

CashAdvance

Either$10or3%oftheamountofeachcashadvance,whicheverisgreater.

PenaltyFees

LatePayment

Upto$35.

OverThe
CreditLimit

None.

Returned
Payment

Upto$35.

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HowDoYouCalculateMyBalance?
Weuseamethodcalledaveragedailybalance(includingnewtransactions).SeeHowDoYouCalculateTheInterestCharge?
sectionintheenclosedAdditionalDisclosures.
WhatAreMyBillingRights?
InformationonyourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedintheYourBillingRightssection
inthebelowAdditionalDisclosures.
AmIEligibleForThisOffer?
PleaserefertotheenclosedAdditionalDisclosures&TermsandConditions.
WhatShouldIPutForTotalAnnualIncome?
Youmayincludepersonalincome,whichisincomeyouhaveearned,includingfulltime,parttime,orseasonaljobs,self
employment,interestordividends,retirement,andpublicassistance.Youmayalsoincludesharedincome,whichismoneyfrom
somebodyelsethatisregularlydepositedintoyourindividualaccountorintoajointaccountthatpersonshareswithyou.Ifyou
are21orover,youmayalsoincludesomebodyelsesincomethatisregularlyusedtopayyourexpenses.
WhatWillMyAPRBeIfITransferABalance?
AnybalancesthatyoutransferwillreceiveyourTransferAPRandwillbepostedtothePurchasesegmentofyouraccount.
CanYouChangeMyAccountTerms?
Wecanchangethetermsofyouraccountaspermittedbylaw.Whenrequired,wewillsendyounoticebeforedoingso.
IfMyRateIsIncreasedToThePenaltyRate,WillItEverBeReviewedForAPossibleDecrease?
Yes.CapitalOnewillperiodicallyreviewanyrateincreasetoyouraccountforapossibleratedecrease.
HowDoYouCalculateMyVariableRates?
YourvariableratesmaychangewhenthePrimeratechanges.WecalculatevariableratesbyaddingapercentagetothePrime
ratepublishedinTheWallStreetJournalonthe25thdayofeachmonth.IftheJournalisnotpublishedonthatday,thenseethe
immediatelyprecedingedition.Variableratesonthefollowingsegment(s)willbeupdatedquarterlyandwilltakeeffectonthefirst
dayofyourJanuary,April,JulyandOctoberbillingperiods:PurchaseAPR:Primeplus9.65%,14.65%or19.65%TransferAPR:
Primeplus9.65%,14.65%or19.65%CashAdvanceAPR:Primeplus21.65%PenaltyAPR:Primeplus26.15%.Anyincreasein
thePrimeratemayincreaseyourInterestChargesandyourMinimumPayment.
HowDoYouDetermineMyCreditLine?
Wewilldetermineyourcreditlineafterareviewofyourapplicationandyourabilitytopay.Ifyourapplicationisapproved,the
minimumcreditlineyouwillreceiveis$5,000.
WhatAreTheDailyPeriodicRatesUsedToCalculateMyInterest?
ThedailyperiodicrateforyourPurchaseAPRis0.03534%,0.04904%or0.06274%,TransferAPRis0.03534%,0.04904%or
0.06274%,CashAdvanceAPRis0.06822%,andPenaltyAPRis0.08055%.SeeHowDoYouCalculateTheInterestCharge?
sectioninthebelowAdditionalDisclosures.
HowDoYouCalculateMyMinimumPayment?
Ifyourbalanceislessthan$25,yourminimumpaymentwillbeequaltoyourbalance.Otherwise,yourminimumpaymentwillbe
thegreaterof$25or1%ofyourbalanceplusnewinterestandlatepaymentfees.Wewillalsoaddanypastdueamounttoyour
minimumpayment.IfyourAccountis180dayspastdue,partofabankruptcyproceedingorotherwisechargesoff,theentire
balanceisdueimmediately.
VisaisaregisteredtrademarkofVisaInternationalServiceAssociation.

THINGSYOUSHOULDKNOWABOUTTHISREWARDSPROGRAM

HowdoIearnrewards?
Youwillearn2milesperdollaronnetpurchases(purchasesminusanycreditsorreturns)only.Cashadvances,balance
transfers,andchecksusedtoaccessyouraccountarenotconsideredpurchasesandwillnotearnrewards.
Howdoesmyspendbonuswork?
Youwillearn40,000bonusmilesifyouspendatleast$3,000within3monthsofyourrewardsmembershipenrollmentdate.
Onceyouqualifyforthisbonus,wewillapplyittoyourrewardsbalancewithintwobillingcycles.Existingorprevious
Accountholdersmaynotbeeligibleforthisonetimebonus.
Willmyrewardseverexpire?
Yourrewardsareyoursforthelifeoftheaccounttheywillnotexpire.Butifyouraccountisclosed,youwillloseanyrewardsyou
havenotredeemed.
IstherealimittotheamountofrewardsIcanearn?
Thereisnocaptotheamountofrewardsyoucanearnonpurchases.
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WhathappenstomyrewardsifIpaylate?
Ifyouraccountissubjecttolatepaymentfeesandifalatefeeischargedtoyouraccount,youwillloseanyrewardsappliedto
yourrewardsbalanceduringthebillingcyclecontainingthelatefee.PleaseseetheImportantDisclosuresprovidedwithyour
offertodeterminewhetheryouraccountissubjecttolatepaymentfees.
HowdoIredeemmyrewardsfortravel?
Youhavetwowaystoredeemyourmilesfortravel:
RedeemforpasttravelpurchasesusingPurchaseEraser
Simplybookyourtravelthroughyourfavoritetravelwebsite,travelagent,orothertravelresourceusingyourNoHassle
Rewardscard.Then,goonlineatcapitalone.comorcallourRewardsCentertouseourPurchaseEraserfeaturetoredeem
yourmilesandreceiveanaccountcreditforthecostofyourtravelpurchase.
PurchaseEraserredemptionsmustbemadewithin90daysfromthedateyourtravelpurchasepoststoyouraccount.Your
accountcreditisusuallyappliedtoyourbalancewithin2to3businessdaysaftertheredemption.
Booknewtravelreservations
Goonlinetocapitalone.comorcontactourRewardsCentertobookyourflight,carrentalorhotelanduseyourmilestopayfor
yourtravel.

Thenumberofmilesneededfortravelredemptionvariesandisbaseduponthecostofthetravelpurchase.Hereishowitworks:
Simplymultiplythecostofyourtravelpurchaseby100.Forexample,ifyourtravelpurchasecosts$200,youwouldmultiplythat
by100todetermineyouneed20,000milestoredeem.
Ifyourtraveltransactionincludestaxes,surcharges,andfees,theseexpenseswillbeincludedintheoverallcalculationto
determinehowmanymilesarerequiredforredemption.Separatelyitemizedtraveltransactionsonyourstatementcannotbe
combinedforasingleredemption.PleasenotethatCapitalOnehasnocontroloverhowmerchantsitemizeandchargerelated
transactions.
WhattypesoftravelpurchasesareeligibleforPurchaseEraserforPreviousTravel?
Purchasesmadefromairlines,hotels,raillines,carrentalagencies,limousineservices,buslines,cruiselines,taxicabs,travel
agentsandtimesharesaregenerallyconsideredtobetravelpurchasesandavailabilityforredemptionisbasedonthemerchant
categorycodeassignedtothembythemerchant.CapitalOneisnotresponsibleforhowmerchantsassignthesecodes.
CanIredeemmyrewardsforsomethingotherthantravel?
Youcanalsoredeemyourmilesforcash,giftcardsandmore.Ratesfortheseotherredemptionoptionsvaryandaresubjectto
changewithoutnotice.AsanAccountholder,youcanvisitcapitalone.comtoregisteryouraccountandseeacompletedescription
ofcurrentredemptionoffers.
Ismyaccounteligibletotransferrewards?
Youraccountmaybeeligibletotransferrewards.PleasebeawarethattransfersareonlypermittedbetweencertainCapitalOne
NoHassleRewardsaccounts.Notallrewardsproductsareeligiblefortransfer.

ADDITIONALDISCLOSURES&TERMSANDCONDITIONS
IamapplyingtoCapitalOneBank(USA),N.A.(CapitalOne)foracreditcardaccount.
Byapplying,IunderstandthatIamnoteligibleforthisofferif:
Myapplicationisreceivedafterthisofferhasexpired,ismissingrequiredinformationortheinformationisunreadable,
inaccurateorcannotbeverified.
Myaddressis:a)outsideofthe50UnitedStates,Washington,D.C.,oraU.S.militarylocationb)acorrectionalinstitution.
Mymonthlyincomedoesnotexceedmymonthlyrent/mortgagepaymentbyatleast$425(mymonthlyincomeismy
disclosedtotalannualincomedividedby12)orIamotherwisedeterminedtobeunabletomakemymonthlypayments
basedonincome,estimatedlivingexpensesandotherdebtIamresponsiblefor.
Iamunder18yearsofageordonothaveavalidSocialSecurityNumberorIndividualTaxpayerIdentificationNumber.
IhavepreviouslyappliedforaCapitalOnecreditcard2ormoretimesinthelast30days.
Ihave5ormoreopencreditcardaccountswithCapitalOne.
IhaveaCapitalOnecreditcardthatispastdue.
IamovermycreditlineonaCapitalOnecreditcard.
IhavehadaCapitalOnecreditcardthathaschargedoffwithinthepastyear.
Ihaveanondischargedbankruptcy(onethatisstillunresolved).
CapitalOnecreditcardmayrefertoanycardissuedbyCapitalOne,includingcobrandandretailcards.
Withrespecttothisoffer,Iacknowledgethat:
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EvenifIamotherwiseeligibleforthisoffer,approvalisbaseduponsatisfyingCapitalOne'screditstandards.
AnydelinquenciesanddefaulthistoryImayhavemaybeconsideredindeterminingmycreditworthiness.
CapitalOnemaycontactmetoobtainorconfirmapplicationinformation.CapitalOnesdecisiontocontactmemaybe
basedonmycreditworthiness.
IauthorizeCapitalOnetocheckmycreditandemploymenthistoryandtoanswerquestionsaboutitscreditexperiencewith
me.
IfIaminterestedintransferringabalance,Imaycallthecustomerservicenumberwiththatrequest10daysaftermy
accounthasbeenopened.
IfIamapproved,CapitalOnemaycontactmefromtimetotimeregardingmyCardandAccountasdescribedinmyCapital
OneCustomerAgreement.Forexample,whenIgiveCapitalOnemymobiletelephonenumber,Iexpresslyconsentto
receivecallsandmessages,includingprerecordedmessagesandtextmessages,atthatnumberfromCapitalOneand
theirauthorizedagentsincludingwithanautomatictelephonedialer(autodialer).
IwillreceivetheCapitalOneCustomerAgreementandamboundbyitstermsandallfuturerevisions.
Thisofferisnontransferable.
ThetermsofthisoffermaynotbeappliedtoexistingCapitalOneaccounts.
CapitalOnewillretainmyresponseformwhetherornotitisapproved.
Iunderstandthat,unlesstheofferdisclosesaspecificcreditline,theexactamountofmycreditlinewillbedeterminedby
CapitalOneafterreviewofmyapplicationandotherinformation.
Anapplicant,ifmarried,mayapplyforaseparateaccount.
Certainrestrictionsapplytothecardbenefitsinthisoffer.Fulldetailswillbemailedtomeuponapproval.
EverythingthatIhavestatedinthisapplicationiscorrecttothebestofmyknowledge.

THINGSYOUSHOULDKNOWABOUTTHISCARD
WhenCanIRequestABalanceTransfer?
Youmaycallthecustomerservicenumberwiththatrequest10daysafteryouraccounthasbeenopened.
HowDoYouApplyMyPayment?
WewillapplypaymentsuptoyourminimumpaymentfirsttothebalancewiththelowestAPR(including0%APR),andthento
balanceswithhigherAPRs.Weapplyanypartofyourpaymentexceedingyourminimumpaymenttothebalancewiththehighest
APR,andthentobalanceswithlowerAPRs.
HowCanIAvoidPayingInterestCharges?
IfyoupayyourstatementsNewBalanceinfullbytheduedate,wewillnotchargeinterestonanynewtransactionsthatpostto
thePurchasebalance.Ifyouhavebeenpayingyouraccountinfullwithnointerestcharges,butthenyoudonotpayyournext
NewBalanceinfull,wewillchargeinterestontheportionofthebalancethatyoudidnotpay.Forcashadvancesandspecial
transfers,wewillstartcharginginterestonthetransactiondate.Fromtimetotime,wemaygiveyouoffersthatallowyoutopay
lessthanthetotalbalanceandavoidInterestchargesonnewtransactionsthatposttoyourpurchasebalance.Ifwedo,wewill
providedetailsinthespecificoffer.
HowIsTheInterestChargeApplied?
Interestchargesaccruefromthe1)dateofthetransaction,2)datethetransactionisprocessedor3)firstcalendardayofthe
billingperiod.Interestchargesaccrueoneveryunpaidamountuntilitispaidinfull.Thismeansyoumayoweinterestcharges
evenifyoupaytheentireNewBalanceonemonth,butdidnotdosoforthepreviousmonth.Unpaidinterestchargesareadded
tothepropersegmentofyouraccount.However,wereservetherighttonotassessinterestchargesatanytime.
HowDoYouCalculateTheInterestCharge?
WeuseamethodcalledAverageDailyBalance(includingnewtransactions).Underthismethod,wefirstcalculateyourdaily
balanceforeachsegment,1)takethebeginningbalanceandaddinnewtransactionsandtheperiodicinterestchargeonthe
previousdaysbalance,then2)subtractanypaymentsandcreditsforthatsegmentasofthatday.Theresultisthedailybalance
foreachsegment.However,ifyoupaidyourpreviousmonthsbalanceinfull(orifyourbalancewaszerooracreditamount),new
transactionswhichposttoyourpurchaseorspecialpurchasesegmentsarenotaddedtothedailybalances.Also,transactions
thataresubjecttoagraceperiodarenotaddedtothedailybalances.
Next,tofindyourAverageDailyBalance:1)addthedailybalancestogetherforeachsegment,and2)dividethesumbythe
numberofdaysinthebillingcycle.
Attheendofeachbillingcycle,wedetermineyourInterestChargeasfollows:1)multiplyyourAverageDailyBalancebythedaily
periodicrate(APRdividedby365)forthatsegment,and2)multiplytheresultbythenumberofdaysinthebillingperiod.NOTE:
Duetoroundingoraminimuminterestcharge,thiscalculationmayvaryfromtheinterestchargeactuallyassessed.
AreUnauthorizedUseOr$0FraudLiabilityClaimsSubjectToInvestigationAndVerification?
Yes.

IMPORTANTINFORMATIONABOUTPROCEDURESFOROPENINGANEWACCOUNT:
Tohelpthegovernmentfightthefundingofterrorismandmoneylaunderingactivities,Federallawrequiresallfinancial
institutionstoobtain,verifyandrecordinformationthatidentifieseachpersonwhoopensanaccount.Whatthismeansforyou:
Whenyouapplyfororopenanaccount,wewillaskforyourname,address,dateofbirthandotherinformationthatwillallowusto
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identifyyou.Wemayalsoasktoseeyourdriverslicenseorotheridentifyingdocuments.

STATESPECIFICINFORMATION
OhioResidents:Ohioantidiscriminationlawsrequirecreditorstomakecreditequallyavailabletoallcreditworthycustomersand
thatcreditreportingagenciesmaintainseparatecredithistoriesonindividualsuponrequest.TheOhioCivilRightsCommission
administerstheselaws.
NewYorkandVermontResidents:CapitalOnemayobtainyourcreditreports,foranylegitimatepurposeassociatedwiththe
accountortheapplicationorrequestforanaccount,includingbutnotlimitedtoreviewing,modifying,renewingandcollectingon
youraccount.Onyourrequest,youwillbeinformedifsuchareportwasordered.Ifso,youwillbegiventhenameandaddressof
theconsumerreportingagencyfurnishingthereport.NewYorkresidentsmaycontacttheNewYorkStateDepartmentof
FinancialServicesbytelephoneorvisititswebsiteforfreeinformationoncomparativecreditcardrates,feesandgraceperiods.
NewYorkStateDepartmentofFinancialServices:18772265697orhttp://www.dfs.ny.gov.
WisconsinResidents:Noprovisionofanymaritalpropertyagreement,unilateralstatement,orcourtorderapplyingtomarital
propertywilladverselyaffectacreditorsinterestsunless,priortothetimecreditisgranted,thecreditorisfurnishedwithacopyof
theagreement,statementorcourtorder,orhasactualknowledgeoftheprovision.Ifthecreditcardforwhichyouareapplyingis
granted,youwillnotifytheBankifyouhaveaspousewhoneedstoreceivenotificationthatcredithasbeenextendedtoyou.

IMPORTANTINFORMATIONABOUTCREDITREPORTING
Wemayreportinformationaboutyouraccounttocreditbureaus.Latepayments,missedpayments,orotherdefaultsonyour
accountmaybereflectedinyourcreditreport.

YOURBILLINGRIGHTS:KEEPTHISDOCUMENTFORFUTUREUSE
ThisnoticetellsyouaboutyourrightsandourresponsibilitiesundertheFairCreditBillingAct.

WhatToDoIfYouFindAMistakeOnYourStatement:
Ifyouthinkthereisanerroronyourstatement,writetousat:
CapitalOne
P.O.Box30279
SaltLakeCity,UT841300279
Inyourletter,giveusthefollowinginformation:
Accountinformation:Yournameandaccountnumber.
Dollaramount:Thedollaramountofthesuspectederror.
Descriptionofproblem:Ifyouthinkthereisanerroronyourbill,describewhatyoubelieveiswrongandwhyyoubelieveit
isamistake.
Youmustcontactus:
Within60daysaftertheerrorappearedonyourstatement.
Atleast3businessdaysbeforeanautomatedpaymentisscheduled,ifyouwanttostoppaymentontheamountyouthinkis
wrong.
Youmustnotifyusofanypotentialerrorsinwriting.Youmaycallusornotifyuselectronically,butifyoudowearenotrequiredto
investigateanypotentialerrorsandyoumayhavetopaytheamountinquestion.

WhatWillHappenAfterWeReceiveYourLetter.
Whenwereceiveyourletter,wemustdotwothings:
1. Within30daysofreceivingyourletter,wemusttellyouthatwereceivedyourletter.Wewillalsotellyouifwehavealready
correctedtheerror.
2. Within90daysofourreceiptofyourletter,wewillsendyouawrittennoticeexplainingeitherthatwecorrectedtheerror(to
appearonyournextstatement)orthereasonswebelievethebilliscorrect.
Whileweinvestigatewhetherornottherehasbeenanerror,thefollowingaretrue:
Wecannottrytocollecttheamountinquestion,orreportyouasdelinquentonthatamount.
Thechargeinquestionmayremainonyourstatement,andwemaycontinuetochargeyouinterestonthatamount.
Whileyoudonothavetopaytheamountinquestionuntilwesendyouanoticeabouttheoutcomeofourinvestigation,you
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areresponsiblefortheremainderofyourbalance.
Wecanapplyanyunpaidamountagainstyourcreditlimit.
Afterwefinishourinvestigation,oneoftwothingswillhappen:
Ifwemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.
Ifwedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestand
fees.Wewillsendyouastatementoftheamountyouoweandthedatepaymentisdue.Wemaythenreportyouas
delinquentifyoudonotpaytheamountwethinkyouowe.
Ifyoureceiveourexplanationbutstillbelieveyourbilliswrong,youmustwritetouswithin10daystellingusthatyoustillrefuse
topay.Ifyoudoso,wecannotreportyouasdelinquentwithoutalsoreportingthatyouarequestioningyourbill.Wemusttellyou
thenameofanyonetowhomwereportedyouasdelinquent,andwemustletthoseorganizationsknowwhenthematterhas
beensettledbetweenus.
Ifwedonotfollowalloftherulesabove,youdonothavetopaythefirst$50oftheamountyouquestionevenifyourbilliscorrect.

YourRightsIfYouAreDissatisfiedWithYourCreditCardPurchases.
Ifyouaredissatisfiedwiththegoodsorservicesthatyouhavepurchasedwithyourcreditcard,andyouhavetriedingoodfaithto
correcttheproblemwiththemerchant,youmayhavetherightnottopaytheremainingamountdueonthepurchase.Tousethis
right,allofthefollowingmustbetrue:
1. Youmusthaveusedyourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheck
thataccessesyourcreditcardaccountdonotqualifyand
2. Youmustnotyethavefullypaidforthepurchase.
Ifallofthecriteriaabovearemetandyouarestilldissatisfiedwiththepurchase,contactusinwritingat:
CapitalOne
P.O.Box30279
SaltLakeCity,UT841300279
Whileweinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.Afterwefinishourinvestigation,wewill
tellyouourdecision.Atthatpoint,ifwethinkyouoweanamountandyoudonotpay,wemayreportyouasdelinquent.
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2015CapitalOne.
ThetrademarksusedhereinareownedbyCapitalOne.
Allrightsreserved.

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