Terms Disclosure
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Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
0% Introductory APR for the first 12 months.

After that, your APR will be 15.15%, 21.15%, or 24.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Transfers 0% Introductory APR for the first 12 months.

After that, your APR will be 15.15%, 21.15%, or 24.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances 26.24%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies 27.24%

This APR will vary with the market based on the Prime Rate.

This APR may be applied to your Account if you make a late payment.

How Long Will the Penalty APR Apply? If APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on new purchases if 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.
Minimum Interest Charge No Minimum Interest Charge.
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
Annual Fee
Transaction Fees  
3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.
Cash Advance
Either $10 or 4% of the amount of each Cash Advance, whichever is greater.
Penalty Fees  
Late Payment
Up to $38
Returned Payment
Up to $25

How Do You Calculate My Balance? We use a method called "average daily balance (including new transactions)". See the "How Do You Calculate The Interest Charge?" section.

Can I Lose My Introductory APR? We may end your Introductory APRs and apply the Penalty APR if you make a late payment.

Am I Eligible For This Offer? Please refer to the Additional Disclosures & Terms and Conditions.

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 $500.

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.

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.

If My Rate Is Increased To The Penalty Rate, Will It Ever Be Reviewed For A Possible Decrease? Yes, in this situation, we'll periodically review your account for a rate decrease.

How Do You Calculate My Variable Rates? Your variable rates may change each month if the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal that is in effect on the 25th day of each month. If the Journal is not published on that day, then we will use the immediately preceding edition. Variable rates will be updated monthly and will take effect on the first day of your next Billing Cycle: Non-Introductory Purchase APR: Prime plus 9.65%, 15.65% or 19.49%; Non-Introductory Transfer APR: Prime plus 9.65%, 15.65% or 19.49%; Cash Advance APR: Prime plus 20.74%; Penalty APR: Prime plus 21.74%. Any increase in the Prime Rate may increase your Interest Charges and your minimum payment due.

What Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase APR is 0.00000%, Non-Introductory Purchase APR is 0.04151%, 0.05795% or 0.06847%, Introductory Transfer APR is 0.00000%, Non-Introductory Transfer APR is 0.04151%, 0.05795% or 0.06847%, Cash Advance APR is 0.07189%, and Penalty APR is 0.07463%. See the "How Do You Calculate The Interest Charge?" section.

How Do You Calculate My Minimum Payment? If your balance is less than $25, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of $25 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.

What Will My Transfer Fee Be If I Transfer A Balance? Any transferred balance that posts to your account at an introductory or promotional APR that we may offer you will incur a 3% Transfer Fee. If you make a Transfer at the Purchase APR, that transfer will not incur a Transfer Fee.


By applying for this credit card account issued by Capital One, N.A. (Capital One), I understand that I may not be approved if:

"Capital One credit card" may refer to any card issued by Capital One, including co-brand and retail cards.

I acknowledge that if I am approved for this credit card account, 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 also understand that the union has no involvement in credit review.


HOW YOU EARN. You will earn 1.5% Cash Rewards on net purchases (purchases minus any credits or returns) only. There is no limit to the amount of Cash Rewards you can earn on purchases. You will not earn Cash Rewards on the following: cash advances; Transfers; credit card checks; account fees, interest, and finance charges. Your Cash Rewards will not expire. But if your account is closed, you will lose any rewards you have not redeemed.

HOW YOU REDEEM. You can get your cash back upon request in the form of a statement credit or a check. You can also redeem for gift cards. Rates for these redemption options may vary and are subject to change without notice. To redeem your rewards, you can call the number on the back of your card or go through the Rewards Overview page of your online account at unionpluscard.com.

OTHER RULES. Your participation in the Cash Rewards program will end and you will forfeit any Cash Rewards you have not yet redeemed if your credit card Account is closed for any reason. Accounts must be in good standing (not in default, closed, suspended or otherwise not in good standing) to access or redeem rewards. Capital One, N.A. reserves the right to change or terminate the Cash Rewards program and its rules or awards at any time, with or without notice to you.


After 3 months as a cardholder, you may be eligible for hardship grants. All grants approved for eligible cardholders are paid by check and you never have to pay them back. Grants include:

Benefits Limitations: These hardship assistance grants are provided and administered through the AFL-CIO Mutual Benefit Plan. Grant amounts can range from $300 to $2,700 and vary by grant type. Specific eligibility criteria may vary by grant type. Certain restrictions, limitations, and qualifications apply to receiving a grant. These include (but are not limited to):

Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330.


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, and Teamster Privilege.

How Can I Avoid Paying Interest Charges? If you pay your Statement's "New Balance" in full by the due date, we will not charge interest on any new transactions that post to the purchase Segment. 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 portion of the balance that you did not pay. For Cash Advances and Transfers, we will start charging interest on the transaction date. Certain promotional offers may allow you to pay less than the total new balance and avoid paying Interest Charges on new purchases.

How Do You Calculate The Interest Charge? We use a method called Average Daily Balance (including new transactions).

  1. First, for each Segment, we take the beginning balance each day and add in new transactions and the periodic Interest Charge on the previous day's balance. Then we subtract any payments and credits for that Segment as of that day. The result is the daily balance for each Segment.
  2. Next, for each Segment, we add the daily balances together and divide the sum by the number of days in the Billing Cycle. The result is the Average Daily Balance for each Segment.
  3. At the end of each Billing Cycle, we multiply your Average Daily Balance for each Segment by the daily periodic rate (APR divided by 365) for that Segment, and then we multiply the result by the number of days in the Billing Cycle. We add the Interest Charges for all Segments together. The result is your total Interest Charge for the Billing Cycle. If you do not pay in full the balance attributed to promotional item(s) purchased on a Same As Cash Credit Plan within the promotional rate period, your APR calculation will factor in the sum of all of the balances attributed to the promotional item(s) over the entire promotional rate period.

NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary slightly from the Interest Charge actually assessed.

How Is The Interest Charge Applied? Interest Charges accrue from the date of the transaction or the first day of the Billing Cycle. Interest Charges accrue on every unpaid amount until it is paid in full. This means you may owe Interest Charges even if you pay the entire "New Balance" for one Billing Cycle, but did not do so the previous Billing Cycle. Unpaid Interest Charges are added to the corresponding Segment of your Account.

Are Unauthorized Use Claims Subject To Investigation And Verification? Yes.


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


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.


We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.


NOTICE FOR 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.

NOTICE FOR NEW YORK AND VERMONT RESIDENTS: Capital One may obtain at any time 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.

NOTICE FOR WISCONSIN RESIDENTS: No provision of any marital 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 you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. 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.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© Capital One. Capital One is a federally registered service mark.

Products and services offered by Capital One, N.A. Capital One supports information privacy protection: see our website at www.capitalone.com.

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