CAPITAL ONE^® ACCOUNT TERMS

Before you submit your application, please read through these Account Terms, which contain additional information about eligibility, rates, fees, and other costs, as applicable.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases and Transfers	19.74%, 25.74% or 29.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	31.74%. 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 balance 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
Balance 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.

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 below Additional Disclosures.

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.

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 will be updated quarterly and will take effect on the first day of your Billing Cycles which end in February, May, August, and November: Purchase APR: Prime plus 11.74%, 17.74% or 21.74%; Balance Transfer APR: Prime plus 11.74%, 17.74% or 21.74%; 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 Purchase APR is 0.05408%, 0.07052% or 0.08148%, Balance Transfer APR is 0.05408%, 0.07052% or 0.08148%, and Cash Advance APR is 0.08696%. See “How Do You Calculate The Interest Charge?” section in the below Additional Disclosures.

How Do You Calculate My Minimum Payment?

If your balance is less than $29, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of $29 or 1% of your “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 to the next highest dollar. We will also add any past due amount.

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 BJ's One® Credit Card Rewards are earned:

You will earn 3% back in BJ's One Credit Card Rewards on Eligible Purchases. Eligible Purchases are purchases of goods and/or services made by you or any authorized user on your Account in-club at BJ's front-end registers, on BJs.com or via the BJ's app, minus any redeemed Rewards, returns, refunds, or credit adjustments when paid for with your BJ's One Credit Card.

Eligible Purchases exclude purchases of items restricted by law or regulation, eye exams, shipping, sales taxes, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas®, online optical purchases, BJ's membership fees and add-ons, warranties and protection plans, BJ’s Services provided by third parties (such as BJ’s Home Improvement®, cellular phone services, BJ’s Travel®), BJ’s B2B and Global Sales Transactions. Eye exams and online optical purchases are not eligible for reward redemption.

You will earn 1.5% back in BJ's One Credit Card Rewards on all other purchases made outside of BJ’s with your BJ's One Credit Card. Earnings will apply to net purchases (i.e., purchases minus any returns, refunds or credit adjustments) only. Purchases at BJ’s Clubs, BJ’s Gas®, BJs.com, BJ’s app, and B2B and Global Sales Transactions are not considered transactions made “outside of BJ’s.”

Balance transfers, convenience checks, cash advances, overdraft advances, unauthorized or fraudulent charges, purchases of money orders, traveler's checks, foreign currency or other cash equivalents, fraudulent transactions, transactions subject to adjustment, and interest or fees of any kind, such as finance charges, late payment fees and cash advance fees are not considered purchases and will not earn Rewards.

From time to time, we may make available special offers for you to accumulate additional earnings for certain Eligible Purchases. These additional earnings are called “Bonus Earnings.” The actions necessary for you to earn Bonus Earnings, and the Bonus Earnings that can be earned, may vary. Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, earning limits, or exclusions. You may have to register to qualify for the offer. We may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Earnings already earned. Your Eligible Purchase must be completed, and the transaction charged to your Account during the special offer period in order for you to earn the applicable Bonus Earnings. For online purchases, please be aware that we may not charge your Account until purchased items have shipped. You will not accrue Bonus Earning on purchases made using 3rd party digital wallets.

All accumulated earnings will be added to your Rewards balance when your Account cycles each month if your Account is in good standing.

There is no cap to the amount of Rewards you can earn on Eligible Purchases made with your BJ's One Credit Card. BJ's One Credit Card Rewards are yours for the life of the Account—they will not expire.

How BJ's One® Credit Card Rewards are redeemed:

Rewards may be used to pay for purchases and membership fees made in-club at BJ’s front-end registers, or on BJs.com or the BJ’s app. Your Rewards must have a minimum balance of $10 in order to redeem, and the transaction to which the Rewards are applied must be at least $10 and greater than or equal to the Reward redemption amount. Rewards will be decremented at the time of redemption. Returns and refunds are subject to BJ’s return policy.

If you make a return on a purchase on which you redeemed Rewards, your Rewards will be refunded as follows:

in-club. If the total cost of your purchase, after the return, still exceeds the value of any redeemed Rewards, no Rewards will be refunded to you. Otherwise, the purchase price, including the value of any Rewards redeemed, will be refunded to either the original form of tender on which the greatest portion of the original purchase was charged or to a BJ's gift card, in BJ's discretion. If the return exceeds the amount of the original purchase, any remaining balance will be refunded to a BJ’s gift card, or in cash, in BJ's discretion.
On BJs.com. Rewards are applied pro rata to all items in an Eligible Purchase made online. A return of any item will result in a corresponding credit of the pro rata Rewards amount to your Rewards balance.

ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS

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

My application is received after this offer expires, missing required information or the information is unreadable, inaccurate or cannot be verified.
My address is: a) outside of the 50 United States, Washington, D.C., or a U.S. military location; b) 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 years of age 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 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 credit card application in progress for a BJ’s Card or other Capital One Credit Card.
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.
I am not a BJ's member or the BJ’s membership number provided is not in my name, is inaccurate, or cannot be verified.
I currently have a BJ’s One or BJ’s One+ Credit Card.
I change my BJ's membership tier before my application is accepted.

With respect to this offer, I acknowledge that:

I am furnishing all information on my application to both BJ’s and to Capital One, N.A. I authorize Capital One, N.A. and BJ’s to exchange information about me so that I can receive the benefits and services of the BJ’s credit card program, and so that BJ’s 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.
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.
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 am bound by the Customer Agreement terms and all future revisions.
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.
This offer is nontransferable.
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 Balance Transfer?

You may call customer service to inquire whether balance transfers are available. 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 standard 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 balance transfers, we will start charging interest on the transaction date. From time to time, we may offer balance transfers or promotional purchase financing that do allow you to pay less than the statement "New Balance" and still avoid interest on any new transactions that post to the standard purchase balance. However, in these cases you must pay in full transactions that are posted to the standard purchase and balance transfer balances and any cash advance balance, plus any minimum payment due appearing on your Statement. We may also display an interest saver payment amount on your statement, if applicable, for your convenience.

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 Credit Plan 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 Credit Plan, we 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 Credit Plan as of that day. The result is the daily balance for each Credit Plan. However, if you paid your previous month’s non-promotional purchases balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase Credit Plans 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 we: 1) add the daily balances together for each Credit Plan, 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 each Credit Plan and 2) multiply the result by the number of days in the billing period. We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing Cycle.

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

Do I Need To Be A BJ’s Member To Apply For a BJ’s Credit Card?

Yes, you must have an active BJ’s Membership in your name with a unique member ID to apply for a BJ’s credit card. Certain Membership types are not eligible to apply (such as Promotional and B2B/Global Sales Memberships).

BJ's One^TM Or BJ's One+^TM Mastercard^® And BJ’s Easy Renewal^®

Upon opening a BJ’s One or BJ's One+ Mastercard^®, your BJ’s Membership is automatically enrolled in BJ’s Easy Renewal.^® Your Membership will be renewed automatically, and your BJ’s Membership fee will be charged to your Account each year on the 1st day of the month in which the Membership is set to expire, unless you opt-out of this feature. The Membership will be renewed as of its expiration date. You may change your Easy Renewal^® preferences by visiting member services desk, calling BJ’s customer service or online at BJs.com, however, due to system limitations you may not use an alternate credit/debit card to which the Renewal fee is charged.

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

Yes.

PROMOTIONAL OFFER DETAILS

Are Promotional Credit Plans Available On this Account?

We may offer you promotional financing opportunities throughout the year. If we do, these offers may require you to make a purchase of a minimum purchase amount or merchandise type. If you make a purchase which is eligible for a promotional Credit Plan, then the applicable terms displayed below will apply. After expiration of a promotional Credit Plan, any remaining promotional purchase balance will be subject to the standard minimum payment and a variable APR of 19.74%, 25.74% or 29.74%. This APR will vary with the market based on the Prime Rate.

6, 12, 18 or 24 Months Waived Interest Charges/Monthly Payments: Standard Minimum payment required. No interest charges on the promotional item(s) for the specified plan duration. After expiration, any remaining balance will be assessed the rate described above until paid.
6, 12, 18 or 24 Months Waived Interest Charges/Equal Payments: Equal payments calculated to pay your purchase in full during the promotional period. No interest charges on the promotional item(s) for the specified plan duration. After expiration, any remaining balance will be assessed the rate described above until paid.

Purchases for less than any required minimum purchase amount, or an ineligible merchandise type, will be treated as a non-promotional Credit Plan.

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.

IMPORTANT INFORMATION ABOUT CREDIT REPORTING

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.

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 30258, Salt Lake City, UT 84130-0258

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 30258, Salt Lake City, UT 84130-0258 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: