CAPITAL ONE® APPLICATION TERMS

Interest Rates and Interest Charges

Annual Percentage
Rate (APR) for
0% introductory APR for the first 9 months that your account is open.
Purchases and Quick
Cash After that, your APR will be26.99% .
This APR will vary with the market based on the Prime Rate.
APR for Transfers 26.99%.
This APR will vary with the market based on the Prime Rate.
APR for Cash 26.99%.
Advances
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 To learn more about factors to consider when applying for or using a credit card, visit the website of
from the Consumer the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Financial Protection
Bureau
Fees
Annual Fee None.
Transaction Fees

• Transfer 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 Either $10 or 3% of the amount of each cash advance, whichever is greater.
Penalty Fees

• Late Payment Up to $39.

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How Do You Calculate My Balance? We use a method called “average daily balance (including new transactions).”
What Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided in
the “Your Billing Rights” section in the enclosed Additional Disclosures.
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.
When Can I Request a Transfer? Transfer eligibility is determined by Capital One at our discretion. Transfers between
Capital One accounts, including branded partner accounts, are not available.
Can You Change My APRs? While a late payment won’t cause your APR to increase, in the future, we may increase your APRs
if market conditions change. If we increase your APRs for any reason other than an increase in the Prime Rate, the new APRs will
apply only to new transactions you make after we notify you of the change in writing.
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: Purchase, Quick Cash and Transfer APR: Prime plus 22.24%; Cash Advance APR: Prime plus 22.24%. 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 Introductory Purchase and
Quick Cash APR is 0.00000%, Non-Introductory Purchase and Quick Cash APR is 0.07395%, Transfer APR is 0.07395%, and
Cash Advance APR is 0.07395%. See “How Do You Calculate The Interest Charge?” section in the enclosed Additional
Disclosures.
How Do You Calculate My Minimum Payment? If your balance is less than $28, your minimum payment will be equal to your
balance. Otherwise, your minimum payment will be the greater of $28 or 1% of your balance plus new interest and late payment
fees. We will also add any past due amount to your minimum payment. If your Account charges off, the entire balance is due
immediately.
Are Unauthorized Use Or $0 Fraud Liability Claims Subject To Investigation And Verification? Yes.

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 do I earn rewards? You will earn rewards as follows:

• 5% back on delivery or pickup purchases made through Walmart.com or the Walmart mobile app
• 2% back on purchases made at Walmart stores in the United States and Puerto Rico, and at Walmart and Murphy USA gas
stations
• Additional 3% back when you use Walmart Pay for purchases made at Walmart stores for the first 12 months from account
opening, for a total of 5%
• 2% back on the purchase of gift cards at Walmart (online, app, Walmart Pay or in stores)
• 2% back on dining and travel purchases
• 1% back on all other purchases

Rewards are earned based on your net purchases - that means purchases minus any credits or returns. Purchases made on
promotional credit plans, lottery tickets, Quick Cash and the purchase of prepaid debit cards or financial products and services at
Walmart do not qualify for rewards. Cash advances, transfers and checks used to access your account aren't considered
purchases and will not earn rewards. Not all features will be available in all Walmart locations. Reward percentages on purchases
are earned and tracked as points.

Additional promotional rewards may be available from time to time with terms disclosed at the time of the promotion.
How does Capital One determine what purchases qualify for rewards? Capital One uses merchant category codes to
determine whether your purchase is within a certain category in order to calculate rewards. Merchants determine the merchant
category code used to identify transactions, which could impact the amount of rewards you earn. Capital One is not responsible
for merchant category codes used by merchants. Purchases made through third-party payment accounts, mobile or wireless card
readers, mobile or digital wallets or similar technology (other than Walmart Pay) may not receive a higher percentage reward,
depending on how the technology is set up to process the purchase.
Will my rewards ever expire? Your rewards are yours for the life of the account—they will not expire. But if your account is
closed, you will lose any rewards you have not redeemed.
Is there a limit to the amount of rewards I can earn? There is no cap to the amount of rewards you can earn on purchases.
How do I use Walmart Rewards to redeem during online checkout? You will pay for the entire purchase. When you specify a
number of points to be used toward your purchase, those points will be deducted from your available rewards balance, and we will
automatically credit your account the amount you specify within 2 to 3 business days.
How do I redeem rewards for previous purchases? Simply make purchases using your rewards card, then go online at
walmart.capitalone.com or visit the Capital One mobile app to redeem your points and receive an account credit for the cost of
your purchase. Redemptions must be made within 90 days from the date your purchase posts to your account. Your account
credit is usually applied to your balance within 2 to 3 business days after the redemption. Redemptions for a portion of a purchase
amount (partial redemptions) are available.
How do I redeem my rewards for travel? You can redeem your rewards to book a flight, car rental or hotel by logging in to your
rewards account at walmart.capitalone.com or by calling the number on the back of your card at least 72 hours in advance of your
travel date. The number of points needed for travel redemption varies and is based upon the cost of the travel purchase. Here is
how it works:

Simply multiply the cost of your travel purchase by 100. For example, if your travel purchase costs $200, you would multiply that
by 100 to determine you need 20,000 points to redeem.

If your travel transaction includes taxes, surcharges, and fees, these expenses will be included in the overall calculation to
determine how many points are required for redemption.
What other ways can I redeem my rewards? You can redeem your rewards for account credit or cash in the form of a check, gift
cards and more. As an Accountholder, you can enroll in online servicing at walmart.capitalone.com to see a complete description
of current redemption offers.

Full terms and details of the rewards program will be available in your Welcome Package upon approval.
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., Puerto Rico 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 was recently approved for 1 or more credit card accounts with Capital One.
• I have applied for a Capital One credit card 2 or more times in the last 30 days.
• 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 furnishing all information on my application to both Walmart and to Capital One, N.A. I authorize Capital One, N.A. and
Walmart to exchange information about me so that I can receive the benefits and services of the Walmart Credit Card Program,
and so that Walmart can inform me of additional information, offers and opportunities.
• 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, 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 including, but not limited to cards branded with, Bass Pro Shops CLUB, Cabela's, Kohl’s, Sony, GM, BuyPower Card,
Union Plus, Walmart and Teamster Privilege.
How Do I Obtain Quick Cash? You may obtain Quick Cash in $20 increments, up to any limit we may set, at the time a
purchase transaction is made using your Card at participating Walmart-owned registers. Quick Cash is not available in connection
with purchase transactions made using Walmart Pay. Quick Cash transactions will be treated as part of the purchase segment of
your account for the purpose of calculating interest.
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.

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, Attn: Opt-out Services, P.O. Box
80128, Lincoln, NE 68521; Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123;
TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094.

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.

REGIONAL DISCLOSURE 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.
Puerto Rico Residents: Puerto Rico Residents may request a copy of these disclosures in Spanish.
Residentes de Puerto Rico: Pueden solicitar una copia de este documento en Español.
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 30279, Salt Lake City, UT 84130-0279
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:
1. 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.
2. 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 30279, Salt Lake
City, UT 84130-0279 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:
 1. 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
2. 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:
Capital One, P. O. Box 30279, Salt Lake City, UT 84130-0279
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will
tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

FOR MORE INFORMATION ABOUT BENEFITS AND TERMS, VISIT WWW.CAPITALONE.COM/CREDIT-CARDS/

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Capital One supports information privacy protection: see our Web site at www.capitalone.com.