CAPITAL ONE^® APPLICATION TERMS

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases at Bass Pro Shops and Cabela's	9.99%.
APR for Other Purchases and Transfers	19.99%, 22.99% or 31.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	31.24%. This APR will vary with the market based on the Prime Rate.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee	None.

Transaction Fees
Transfer Transaction Fee:	3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
Cash Advance Transaction Fee:	Either $5 or 5% of the amount of each cash advance, whichever is greater.

Penalty Fees
Late Payment Penalty Fee:	Up to $40.

Frequently Asked Questions

How Do You Calculate My Balance?

We use a method called “average daily balance (including new transactions).” See “How Do You Calculate The Interest Charge?” section below.

Are There Any Other Penalty Fees Associated With This Card That Are Not Listed In The Box Above?

No. There are no additional Penalty Fees associated with this card.

What Should I Put For Total Annual Income?

You may include personal income, which is income you have earned, including full-time, part-time, or seasonal jobs, self-employment, interest or dividends, retirement, and public assistance. You may also include shared income, which is money from somebody else that is regularly deposited into your individual account or into a joint account that person shares with you. If you are 21 or over, you may also include somebody else’s income that is regularly used to pay your expenses.

What Purchases Qualify At Bass Pro Shops And Cabela’s?

Purchases made at the following locations: Bass Pro Shops and Cabela's retail locations and restaurants; through Bass Pro Shops and Cabela's catalogs; online at www.basspro.com, www.cabelas.com, and www.cabelas.ca; Bass Pro Shops resorts (e.g., Big Cedar Lodge, Big Cypress Lodge, and Dogwood Canyon); Tracker Marine Boat Centers; Mack’s Prairie Wings; Metro Rod and Reel Repair; Wildlife Creations Taxidermy; Angler’s Inn; Bass Pro Fitness Festival; Wonders of Wildlife Museum and Aquarium; and Worldwide Trophy Adventures and at participating White River Marine Group dealers. A list of participating White River Marine Group dealers can be found at basspro.com/participatingdealers or by calling 1-800-300-1723.

Will I Still Receive The In-Store APR, Promotions, Enhanced Rewards Earn Rate, Or Be Able To Redeem Rewards If I Pay Through A Third-Party Payment Account Or Digital Wallet?

No, you will not receive these on otherwise eligible purchases when you pay through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology. You’ll receive the out-of-store APR and base rewards rate on those purchases.

What Will My Transfer Fee Be If I Transfer A Balance?

If you transfer a balance at the Transfer APR, that Transfer will not incur a Transfer Fee. Any transferred balance that posts to your account at a promotional APR that we may offer will incur a 3% Transfer Fee.

Can You Change My Account Terms?

We can change the terms of your account as permitted by law. When required, we will send you notice before doing so.

How Do You Calculate My Variable Rates?

Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods: Other Purchases and Transfer APR: Prime plus 12.49%, 15.49% or 23.74%; Cash Advance APR: Prime plus 23.74%. Any increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.

How Do You Determine My Credit Line?

We will determine your credit line after a review of your application and your ability to pay. If your application is approved, the minimum credit line you will receive is $300.

What Are The Daily Periodic Rates Used To Calculate My Interest?

The daily periodic rate for your Bass Pro Shops and Cabela's Purchases APR is 0.02737%, Other Purchases and Transfer APR is 0.05477%, 0.06299% or 0.08559%, and Cash Advance APR is 0.08559%. See “How Do You Calculate The Interest Charge?” section below.

How Do You Calculate My Minimum Payment?

If your balance is less than $27, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of:

$27, or
1% of your statement’s “New Balance” (which does not include Credit Plans with special repayment terms), plus billed Interest Charges, late payment fees and any payment required under a promotional Credit Plan with previously disclosed special repayment terms, rounded down to the nearest dollar.

We will also add any past due amount to your minimum payment. If your Account charges off, the entire balance is due immediately.

The table below details promotional financing plans that Cabela's and Bass Pro Shops CLUB and Capital One may offer periodically throughout the year. To find out if a plan is available, ask a store associate when you shop.

Cabela's and Bass Pro Shop Promotional Financing Terms

After the expiration of the promotional rate period described below, your in-store APR of 9.99% will apply to your promotional purchases.

Credit Plan Description	Required Minimum Payment	Credit Plan Terms
Reduced Rate/Monthly Payments	Standard minimum payments will apply.	For the specific plan duration after purchase, the Promotional APR options listed below will apply to the balance attributed to the promotional item(s). Beginning after the specified plan duration, the rate attributed to the promotional item(s) will increase to the referenced rate described above.
Reduced Rate/Equal Payments	Equal minimum payments required as stated on your monthly billing statement.
Promotional APR	Reduced Rate Plan Duration Options in Number of Months
0% 1.99% 2.99% 3.99% 4.99% 5.99% 6.99%	6 12 18 24 36 48 6 12 18 24 36 48 6 12 18 24 36 48 6 12 18 24 36 48 6 12 18 24 36 48 6 12 18 24 36 48 6 12 18 24 36 48

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

THINGS YOU SHOULD KNOW ABOUT THIS REWARDS PROGRAM

HOW CLUB POINTS ARE EARNED Bass Pro Shops and Cabela's are responsible for the operation and administration of the Bass Pro Shops and Cabela's CLUB Rewards Program ("Program"). The Program has three card levels (i.e., CLUB Classic, CLUB Silver, and CLUB Black). When your Account is approved by Capital One, you will automatically be enrolled in the Program at the CLUB Classic cardholder level. Your eligibility for CLUB Silver and CLUB Black levels will be reviewed daily and will be based on your Net Purchases (defined below) and other factors, including creditworthiness and credit history. In addition to other factors, CLUB Silver level requires at least $10,000 in Net Purchases within a year, and CLUB Black level requires at least $25,000 in Net Purchases within a year. The term "year" means, for your first year as a cardholder, the period beginning on approval of your Account through your billing cycle with a December closing date of that same year. For each year thereafter, "year" means the twelve billing cycle period beginning the day after your billing cycle with a December closing date through your billing cycle with a December closing date of the next year. You will be notified when you are upgraded to CLUB Silver or CLUB Black level and begin receiving the rewards associated therewith. Upgrades to CLUB Silver and CLUB Black levels will generally be processed within 5 business days after you qualify. You must spend at least $10,000 or $25,000 in Net Purchases each year to maintain your respective qualification as a CLUB Silver or CLUB Black level cardholder. Downgrades will generally be processed in January of each year based on your total Net Purchases in the prior year.

Accounts are eligible to receive Bass Pro Shops and Cabela's CLUB Points ("Points") for Net Purchases (defined below).

You will earn one (1) Point for every one dollar ($1.00) of Net Purchases made using your Account.
CLUB Classic level cardholders will earn an additional one (1) Point (for a total of two (2) Points) for every dollar ($1.00) of Net Purchases made at Bass Pro Shops stores and its merchandising subsidiaries (U.S and Canada locations), through Bass Pro Shops catalogs, or online at www.basspro.com (collectively, “Bass Pro Shops Locations”) and at Cabela’s stores and its merchandising subsidiaries (U.S and Canada locations), through Cabela’s catalogs, or online at www.cabelas.com and www.cabelas.ca (collectively, “Cabela’s Locations”).
CLUB Silver level cardholders will earn an additional two (2) Points (for a total of three (3) Points) for every dollar ($1.00) of Net Purchases made at Bass Pro Shops Locations and Cabela’s Locations while they are CLUB Silver level cardholders.
CLUB Black level cardholders will earn an additional four (4) Points (for a total of five (5) Points) for every dollar ($1.00) of Net Purchases made at Bass Pro Shops Locations and Cabela’s Locations while they are CLUB Black level cardholders.
From time to time, you will earn additional Points for Net Purchases of other goods and services provided by third parties nominated by us (“Participating Stores”). We may change the Participating Stores from time to time and at any time. We may also change the Points earned from Net Purchases from Participating Stores from time to time and at any time, or impose other terms and conditions regarding Points from Net Purchases at Participating Stores.
You will not receive the enhanced rewards earn rate, promotions or be able to redeem rewards on otherwise eligible purchases when you pay through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology. You’ll receive the base rewards rate on those purchases.

“Net Purchases” are new purchases posted to your Account in a billing cycle, less any returns, credits or adjustments that are not payments. You do not earn Points on cash advances, balance transfers, interest charges, fees of any kind, or unauthorized or fraudulent transactions. In addition, you do not earn Points on redeemed Points.

REDEMPTION OF CLUB POINTS One hundred (100) Points equates to one dollar that can be used toward purchases at Bass Pro Shops and Cabela’s and their merchandising subsidiaries located in the United States. Points can be redeemed by applying them toward purchases made through Bass Pro Shops, Cabela’s, and Mack's Prairie Wings stores located in the United States, Bass Pro Shops, and Cabela’s catalogs issued in the United States, or online at basspro.com or cabelas.com. Points can also be redeemed at: Bass Pro Shops and Cabela’s in-store boat centers, or on the purchase of new White River Marine Group boats or Tracker ATV/UTVs at affiliated independent dealers. Cardholders can also enroll in Pay with CLUB Points via the Bass Pro Shops or Cabela’s mobile app in order to redeem points at Bass Pro Shops hospitality locations, including: Big Cedar Lodge, Big Cedar Golf, Big Cedar Restaurants, Bass Pro Shops Restaurants, Bass Pro Shops Angler’s Lodge, Big Cypress Lodge, Wonders of Wildlife, World Wide Trophy Adventures. There is no minimum number of Points required for redemption. You may not redeem Points for cash or to make payments on your Account. Redemption of Points is the sole obligation of Bass Pro Shops and Cabela’s and their merchandising subsidiaries. Capital One has no obligation to redeem Points. Points may be earned but not redeemed through Bass Pro Shops and Cabela’s Canada retail stores, Cabela’s Canadian website (www.cabelas.ca), or Bass Pro Shops and Cabela’s catalogs issued outside the United States.

Points earned are not available for redemption until posted to your account.

OTHER REWARDS RULES Points do not have a scheduled expiration date and there is no maximum number of Points that can be earned in the Program. Your Account must be in good standing, and not in default under the terms of your Customer Agreement in order to earn and redeem Points. All Points may be cancelled and permanently forfeited if your Account is closed, by you or Capital One, for any reason. Cancelled Points cannot be reinstated to your Account. All earnings and redemptions are subject to The Rewards Program Terms and Conditions. These terms and conditions will be provided to you after you become a cardholder. Bass Pro Shops and Cabela’s reserve the right to change or terminate the Program and its rules or benefits at any time.

ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS

I understand that I am not eligible for this offer if:

My application is received after this offer expires, is incomplete, unreadable, inaccurate or cannot be verified.
My address is not in one of the following locations: the 50 United States, Washington, D.C., or a U.S. military location.
My address is a correctional institution.
My monthly income (my disclosed total annual income divided by 12) doesn't exceed my monthly rent/mortgage payment by at least $425. Or, Capital One otherwise determines that I am unable to make my monthly payments.
I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.
I have applied for a Capital One credit card 2 or more times in the last 30 days.
I have another credit card application with Capital One that’s currently in process.
I have 5 or more open credit card accounts with Capital One.
I have a past due Capital One credit card account.
I am over my credit line on a Capital One credit card.
I have had a Capital One credit card that charged off within the past year.
I have a non-discharged bankruptcy (one that is still unresolved).
I have implemented a credit security freeze or credit lock with one or more of the credit bureaus, which prevents Capital One from accessing my credit report.

With respect to this account, I understand that:

I am not obligated to accept the card or pay any fee or charge unless I use this card.
Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One's credit standards.
Capital One may contact me to obtain or confirm application information.
I am authorizing Capital One to check my credit and employment history.
If I am approved, I am requesting that Capital One send me a physical credit card in the mail and make a virtual card number available to me when I log into the Capital One Mobile app or website.
I may not be eligible to access a virtual card. If I am eligible, I understand I must verify my identity before accessing my virtual card. In some cases, I will not be able to access my virtual card until approximately 30 days after account opening, and I may not have access to my full credit line until my physical card is activated. Web access is needed to manage my virtual card number online or in the Mobile app. Virtual cards may not be accepted by all stores.
If I am approved, Capital One may contact me regarding my Card and Account as described in my Capital One Customer Agreement. For example, when I give Capital One my mobile telephone number, I agree to receive messages from Capital One and their authorized agents, including prerecorded and text messages. I also consent to receive calls through an automatic telephone dialer (autodialer).
I will receive the Capital One Customer Agreement. I am bound by its terms and all future revisions.
This offer is nontransferable.
I understand that, unless the offer discloses a specific credit line, the exact amount of my credit line will be determined by Capital One after review of my application and other information.
An applicant, if married, may apply for a separate account.
Everything I have stated in this application is correct.
This card is intended primarily for consumer use.

THINGS YOU SHOULD KNOW ABOUT THIS CARD

When Can I Request A Transfer?

You may request a transfer 10 days after your account is opened. Your account may not always be eligible for Transfers. Transfer eligibility is determined by Capital One at our discretion. Transfers between Capital One accounts are not permitted. That means balances cannot be transferred to this account from any other credit card issued by Capital One.

How Do You Apply My Payment?

We will apply payments up to your minimum payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs.

How Can I Avoid Paying Interest Charges?

If you pay your statement’s “New Balance” in full by the due date each month, we will not charge interest on any new transactions that post to the purchase balance. If you have been paying your account in full without interest charges, but fail to pay your next “New Balance” in full, we will charge interest on the unpaid balance. For cash advances and transfers, we will start charging interest on the transaction date. From time to time, we may give you offers that allow you to pay less than the total balance and avoid interest charges to new transactions that post to your purchase balance. If we do, we will provide details in the specific offer.

How Is The Interest Charge Determined?

Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any interest that has accrued during a billing period will post to your Account at the end of the billing period and will appear on your next Statement. This means you may owe Interest Charges even if you pay the entire “New Balance” one month, but did not do so the previous month. For example, even if a customer pays their balance in full on a February 26th due date, interest would continue to accrue on the balance from February 2nd (the start of the Billing Cycle) through February 26th, and will appear on their next Statement. Once you start accruing Interest Charges, you generally must pay your New Balance in full for two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest Charges are added to the proper segment of your account. However, we reserve the right to not assess Interest Charges.

How Do You Calculate The Interest Charge?

We use a method called Average Daily Balance (including new transactions). Under this method, we first calculate your daily balance; for each segment, 1) take the beginning balance and add in new transactions and the periodic interest charge on the previous day’s balance, then 2) subtract any payments and credits for that segment as of that day. The result is the daily balance for each segment. However, if you paid your previous month’s balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase segments are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.

Next, to find your Average Daily Balance: 1) add the daily balances together for each segment, and 2) divide the sum by the number of days in the billing cycle.

At the end of each billing cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily periodic rate (APR divided by 365) for that segment, and 2) multiply the result by the number of days in the billing period. NOTE: Due to rounding or a minimum interest charge, this calculation may vary from the interest charge actually assessed.

Are Unauthorized Use Or $0 Fraud Liability Claims Subject To Investigation And Verification?

Yes.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

MILITARY LENDING ACT NOTICE

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

To hear this same disclosure and a general description of your payment obligations for this credit card account, please call us toll-free at: 844-788-8999.

During any period in which the Military Lending Act (“the Act”) applies to you, no provision of your Cardholder Agreement that is inconsistent with the Act shall apply and your Cardholder Agreement shall be interpreted to comply with the Act.

If you have received a prescreened offer:

PRESCREEN & OPT-OUT NOTICE:

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Marketing Services, Attention: Opt-Out Services, P.O. Box 703, Allen, TX 75013; Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123; TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094.

STATE-SPECIFIC INFORMATION

Ohio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers these laws.

New York and Vermont Residents: Capital One may obtain your credit reports, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request, you will be informed if such a report was ordered. If so, you will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov.

Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor’s interests unless, prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find A Mistake On Your Statement:

If you think there is an error on your statement, write to us at:

Capital One, P.O. Box 30285 Salt Lake City, UT 84130-0285

In your letter, give us the following information:

Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us or notify us electronically, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

What Will Happen After We Receive Your Letter.

When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
Within 90 days of our receipt of your letter, we will send you a written notice explaining either that we corrected the error (to appear on your next statement) or the reasons we believe the bill is correct.

While we investigate whether or not there has been an error, the following are true:

We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question until we send you a notice about the outcome of our investigation, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us at Capital One, P.O. Box 30285 Salt Lake City, UT 84130-0285 within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Credit Card Purchases.

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:

You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; and
You must not yet have fully paid for the purchase.

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: