PRICING INFORMATION ADDENDUM  

Annual Percentage 
Rates (APRs)   

Cabela's & Bass Pro Purchases:  
Other Purchases*: 
Balance Transfer APR:   
Cash Advance APR: 

9.99%   
One Month LIBOR plus 14.99% - 23.99%  
One Month LIBOR plus 24.99%   
One Month LIBOR plus 24.99%  

*The APR for Other Purchases (and the margin added to the One Month LIBOR to 
determine this APR) will depend on Capital One Bank (USA), N.A. evaluation of the 
application and the applicant’s credit history.  

Variable Rate 
Information  

The APR for (1) Other Purchases, (2) Cash Advances and (3) Balance Transfers may 
vary. The rate is determined monthly by adding 14.99% - 23.99% for Other Purchases 
and by adding 24.99% for Cash Advances and Balance Transfers to the One Month 
LIBOR.  

Grace period   

Balance  
Computation Method   

Balance  
Computation Method  
Explanation  

For any transactions that accrue interest at variable rates (as reflected in the Addendum 
to the Cardholder Agreement), the rate will be adjusted monthly based on the One 
Month LIBOR (rounded to the nearest hundredth) published in the Money Rates section 
of the Wall Street Journal on the last business day of each month (“Index”). We add a 
margin to the Index to get the annual percentage rate that will apply to that category of 
transactions. See the Addendum to the Cardholder Agreement for your margin. An 
increase in the Index will result in an increase in the annual percentage rate, Interest 
Charges, and may result in an increase of the required Minimum Payment Due. Any 
change to the annual percentage rate as a result of a change in the Index will apply to 
all outstanding balances for the category of transactions to which the variable rate 
applies. There is no limit on the amount by which the annual percentage rate may 
increase.   

The due date is at least 25 days after the close of each billing cycle. We will not charge 
you any interest on new purchases if the entire previous balance is paid by the due date 
each month. We will begin charging interest on cash advances and balance transfers on 
the transaction date.  

Average Daily Balance (including new transactions)  

We  calculate  the  Interest  Charge  on  your  Account  by  multiplying  the  Average  Daily 
Balance  (including  new  transactions)  by  the  daily  periodic  rate.  Then,  we  multiply  that 
result by the number of days in the billing cycle. We do this separately for each type of 
balance:  Cabela’s  Purchases  (i.e.,  those  made  at  Cabela’s  stores,  Cabela’s  catalogs,  or 
online  at  www.cabelas.com),  Purchases  other  than  Cabela’s  Purchases  (“Other 
Purchases”), Balance Transfers, Cash Advances, and promotional balances (see “Special 
Promotions”). To determine the total Interest Charge for the billing cycle, we add up all 
the Interest Charges for each type of balance.   

To calculate an Average Daily Balance, for each day of the billing cycle we take (1) your 
beginning balance; (2) add any new transactions, Interest Charges, Fees and other 
charges (as applicable); and (3) subtract any payments or other credits to get that day’s 
daily balance. The daily balance is considered to be $0.00 for any day on which the 
Account has a credit balance. We add all your daily balances and divide the total by the 
number of days in the billing cycle to get the Average Daily Balance. To calculate a daily 
periodic rate, we divide the annual percentage rate by 365.  

Transaction Fees  

Cash Advances:                          4.0% of amount advanced, $10 minimum  
Balance Transfers:                     3.0% of amount transferred, $10 minimum  

Penalty Fees  

For accounts opened before 8/1/2018: Up to $37  
For accounts opened on or after 8/1/2018: Up to $38  

Information accurate as of quarter ending: 9/30/2018  

  
 
 
 
 
 
  
  
  
  
 
CARDHOLDER AGREEMENT and BILLING RIGHTS 
PLEASE READ FOR DISCLOSURES AS REQUIRED BY FEDERAL LAW. 

Capital One Bank (USA), N.A. (“we” or “us”) has issued you one or more Visa Cards. You agree that the 
use of a Cabela’s CLUB Visa Credit Card (“Card”) by you, a joint cardholder, co-signer, or an authorized 
user or any payment you make on your account (“Account”) serves as your acceptance of the terms of 
this Cardholder Agreement and the accompanying Addendum to the Cardholder Agreement 
(collectively, “Agreement”). You agree to repay all advances made to you or on your behalf, along with 
interest and fees, as set forth in this Agreement. Capitalized terms in this Agreement that are not 
otherwise defined refer to and have the same meaning as terms used in your monthly billing 
statements.  

ACCOUNT DEFINITIONS  
Purchases: Goods or services purchased on credit pursuant to this Agreement.  

Balance Transfers: Transfers of outstanding balances from obligations owed to creditors other than 
Capital One to your Account. Transfers occur through an advance of funds from your Account to those 
other creditors at your request. Balance Transfers may be limited to a portion of the Credit Limit.  

Cash Advances:  Transactions other than Purchases and Balance Transfers, including cash advances, 
credit extended through convenience checks, tax payments and transactions with a merchant or service 
provider identified as a seller of traveler’s checks, foreign currency, money orders, lottery tickets, or 
similar products and services. Cash Advances may be limited to a portion of the Credit Limit.  

Credit Limit:  The maximum amount of credit that may be extended to you at any given time.  

Default: Please see the Section of the Agreement entitled, “What if You Pay Late or Otherwise Fail to 
Comply with this Agreement?”  

Interest Charge:  The dollar amount of interest resulting from applying a Daily Periodic Rate to the 
Average Daily Balance on an account. Please see the Section of this Agreement entitled, “How Interest is 
Computed” for details concerning Daily Periodic Rate, Average Daily Balance, and how the Interest 
Charge will be calculated on your Account.  

Fees: Charges payable under this Agreement, other than Interest Charges.  

Good Standing: When an Account is open and not in Default as defined in this Agreement.  

HOW YOU MAY USE THE ACCOUNT  
You may use your Account for Purchases, Balance Transfers, or to obtain Cash Advances, but may not 
use the Account for any unlawful purpose. You may not be able to use your Account if the Account is in 
Default under the terms of this Agreement. See “What if You Pay Late or Otherwise Fail to Comply with 
this Agreement?” for more information about Default.  

You acknowledge receipt of the initial Credit Limit we have established for your Account. Individual 
transactions are evaluated by us based on factors such as suspected fraud, Account history, credit 

 
 
 
 
 
 
 
 
 
 
 
 
record, ability to repay, prior Cash Advances, safety and soundness considerations, and utilization of 
your Credit Limit (i.e., your Account balance in relation to your Credit Limit). If we allow a transaction 
that causes you to exceed your Credit Limit, we may, at our option, consider you to be in Default and/or 
require you to pay, as a part of your Minimum Payment Due, the amount by which your balance exceeds 
your Credit Limit. Information from credit bureaus may be obtained in connection with our review of 
your Account with respect to any renewal or future extension of credit.  

We may adjust the Credit Limit or restrict or terminate your access to credit at any time, subject to any 
notice required by applicable law. Your available credit may not reflect payments posted to your 
Account, or may only reflect a portion of the payments posted to your Account, until up to 10 business 
days after our receipt of those payments.  

HOW INTEREST IS COMPUTED  
We calculate the Interest Charge on your Account by multiplying the Average Daily Balance (including 
new transactions) by the daily periodic rate. Then, we multiply that result by the number of days in the 
billing cycle. We do this separately for each type of balance: Cabela’s Purchases (i.e., those made at 
Cabela’s stores, Cabela’s catalogs, or online at www.cabelas.com), Purchases other than Cabela’s 
Purchases (“Other Purchases”), Balance Transfers, Cash Advances, and promotional balances (see the 
Special Promotions section in the Addendum to the Cardholder agreement). To determine the total 
Interest Charge for the billing cycle, we add up all the Interest Charges for each type of balance.  

Average Daily Balance and Daily Periodic Rate: To calculate an Average Daily Balance, for each day of 
the billing cycle we take (1) your beginning balance; (2) add any new transactions, Interest Charges, Fees 
and other charges (as applicable); and (3) subtract any payments or other credits to get that day’s daily 
balance. The daily balance is considered to be $0.00 for any day on which the Account has a credit 
balance. We add all your daily balances and divide the total by the number of days in the billing cycle to 
get the Average Daily Balance. To calculate a daily periodic rate, we divide the annual percentage rate by 
365.  

Grace Period: Purchases, Balance Transfers, and Cash Advances will be charged to your Account as of 
the transaction date. If you pay the New Balance shown on your statement in full on or before the 
Payment Due Date shown on your statement, we will not impose Interest Charges on Purchases which 
accrue from the Statement Date to the date we receive your payment. We will not impose Interest 
Charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your 
current statement, if you paid the entire New Balance on your previous statement by the Payment Due 
Date on that statement. However, Interest Charges will begin to accrue on Balance Transfers and Cash 
Advances as of the transaction date and will continue to accrue until Balance Transfers and Cash 
Advances are paid in full.  

Rates: Refer to the Addendum to the Cardholder Agreement for the annual percentage rates and daily 
periodic rates that apply to your Account. For any transactions that accrue interest at variable rates (as 
reflected in the Addendum to the Cardholder Agreement), the rate will be adjusted monthly based on 
the One Month LIBOR (rounded to the nearest hundredth) published in the Money Rates section of the 
Wall Street Journal on the last business day of each month (“Index”). We add a margin to the Index to 
get the annual percentage rate that will apply to that category of transactions. See the Addendum to the 
Cardholder Agreement for your margins. An increase in the Index will result in an increase in the annual 
percentage rate, Interest Charges, and may result in an increase of the required Minimum Payment Due. 
Any change to the annual percentage rate as a result of a change in the Index will apply to all 

 
 
 
 
 
outstanding balances for the category of transactions to which the variable rate applies. There is no limit 
on the amount by which the annual percentage rate may increase.  

WHAT FEES AND CHARGES MAY WE IMPOSE?  
In addition to Interest Charges, you may be charged the following Fees. All Fees are subject to Interest 
Charges. Fees will be included in the Other Purchases balance, unless otherwise noted below.  

•  Cash Advance Transaction Fee. For each Cash Advance, we will charge the greater of: (a) $10; or 

(b) 4% of the amount of the Cash Advance. This Fee will be included in the Cash Advance 
balance.  

• 

•  Balance Transfer Fee. For each Balance Transfer, we will charge the greater of: (a) $10; or (b) 3% 
of the amount of the Balance Transfer. This Fee will be included in the Balance Transfer balance.  
Late Fee. If you fail to pay any Minimum Payment Due on or before the Payment Due Date as 
reflected on your statement, we will charge a late fee. The late fee will be the lesser of $27 or 
the Minimum Payment Due from the previous cycle for your Account. However, the fee will 
increase to the lesser of $37 or the Minimum Payment Due from the previous cycle for your 
Account if you fail to make a payment when due within six billing cycles of any prior late 
payment. The late fee will never exceed the amount of the Minimum Payment Due for the 
payment in Default.  

•  Expedited Delivery Fee. A charge of $20 may apply for expedited delivery of replacement Cards.  

WHAT DO YOU HAVE TO PAY AND WHEN?  
You must make a minimum payment (“Minimum Payment Due”) each month as set forth in your 
monthly statement. We may refuse any payment not in U.S. dollars or which is made by instruments not 
drawn on financial institutions in the United States. Payments are credited to your Account as of the 
date of receipt. We do not accept cash payments through the mail.  

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 to 
the next highest dollar.  
We will also add any past due amount.  

If we agree to a repayment or workout plan, you must at least make payments as agreed for the 
duration of the agreed upon plan.  

Your Statement will tell you the minimum payment due, your new balance, the payment due date, and 
an explanation of when the payment must reach us for us to consider it received as of that date. You 
may not use Balance Transfers, Cash Advances or Cabela’s CLUB Points to pay any amount you owe to us 
or any other company in the Capital One organization. Any payment of an amount less than the total 
amount outstanding does not relieve you of your obligation to pay the remaining amount due on the 
Account unless we have given our specific, prior written approval.  

We may apply payments in amounts up to the Minimum Payment Due to your Account in any order or 
manner we choose. Any amount paid in excess of the Minimum Payment Due will be applied to balances 

 
 
 
 
 
 
in the order of those with the highest annual percentage rate to those with the lowest, as reflected on 
your most recent billing statement.  

WHAT IF YOU PAY LATE OR OTHERWISE FAIL TO COMPLY WITH THIS AGREEMENT?  
Your Account will be in default (“Default”) and/or considered not in Good Standing:  

If you do not make a required payment when due;  

a) 
b)  If you fail to comply with the terms of this Agreement or any other agreement or obligation with 

c) 

us;  
In the event of your fraud or misrepresentation in connection with the application, issuance, or 
use of the Card and/or Account;  

d)  If you use the Account in excess of your Credit Limit; or  
e) 

If you become bankrupt or insolvent.  

If you are in Default, we may, at our option, refuse to extend further credit and declare the entire 
outstanding balance immediately due and payable. Defaults also may be reflected in your credit report 
and the credit report of any joint account holder, co-signer and/or authorized user on the Account.  

AUTHORIZED USERS  
If you ask us to issue a Card to any other person, they are an Authorized User. We may require certain 
information about them. We may limit their ability to use your Card. They may have access to certain 
information about your Account. You will be responsible for their use of the Account and anyone else 
they allow to use your Account, even if you did not want, or agree to, that use. If you want to remove an 
Authorized User from your Account, you must contact us at the Customer Service telephone number on 
your monthly statement or on the back of your Card and request their removal. You also must 
immediately destroy all Cards in their possession and cancel any arrangements they may have set up on 
your Account. They will be able to use your Account until you have notified us that you are removing 
them from your Account. During this time, you will still be responsible for all amounts they charge to 
your Account. You will be responsible even if these amounts do not appear on your Account until later.  

ACCOUNT BASICS  
Governing Law: This Agreement and all transactions under the Agreement will be governed by (a) the 
laws of the Commonwealth of Virginia and (b) applicable federal law and regulations.  

Card Ownership: You must sign all Cards immediately upon receipt. Cards issued to you, a joint 
cardholder, co-signer, or any authorized user will remain our property. You must return the Cards if we 
request you to do so.  

Termination of Cards and Credit Privileges: We may, at any time, without cause, without prior notice 
(except as required by applicable law), and without affecting your obligations to us, (a) cancel your 
available credit, (b) revoke the Cards, and (c) refuse to make further advances.  

Loss or Theft of Cards or Account Number: If you notice the loss or theft of your Card or your Account 
number or a possible unauthorized use of your Card or Account number, you should write to us 
immediately at: P.O. Box 82608, Lincoln, NE 68501; or call us (during normal business hours) at 1-800-
850-8402 or (outside of business hours) at 1-800-556-5678.  

You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be 
liable for unauthorized use that occurs before your notice to us.  

 
 
 
 
 
 
 
 
Change in Terms: We may modify the terms of this Agreement at any time. We will provide you any 
notice of change in terms required under applicable law. Changes will apply to all balances, including 
existing balances and future transactions, except as prohibited by applicable law. If applicable law grants 
you the right to reject any changes, the notice of change in terms will advise you of that right and the 
effects of rejecting the change.  

Duty to Provide and Update Your Information: You agree to notify us of any changes to your address, 
telephone number or income within 30 days of such change.  

Waiver and Severability of Contract Provisions: Our failure to enforce any provision of this Agreement 
or to exercise any of our rights upon Default will not be a waiver of our right to enforce these provisions 
or declare a future Default on other occasions. If any part of this Agreement is determined to be invalid 
or unenforceable, the balance of the Agreement will remain in full force and effect.  

Authorization to Call and Monitor/Record Calls: You give us, our affiliates and agents (“Covered 
Parties”) express consent to contact you for any lawful purpose at any telephone number you provide to 
us, or from which you call or may be called by us (including, but not limited to, telephone numbers 
publicly associated with you), and you further agree that such contacts are not unsolicited. Such lawful 
purposes include, but are not limited to: obtaining information; Account transactions or servicing 
related matters; suspected fraud or identity theft; collection on the Account; and providing information 
about special products and services. You additionally agree that the Covered Parties may contact you at 
those number(s) via text message, automatic dialer calls, live operator and/or pre-recorded/artificial 
voice messages. You agree to be contacted by the Covered Parties via all of these methods whether or 
not the phone number is a home phone or work phone, or whether it connects to any type of 
mobile/wireless device, and also regardless of whether you will be charged by your telecommunications 
service provider for receipt of the calls/messages at those phone number(s).  

We may listen to and record telephone conversations with you (whether the telephone conversation is 
initiated by you or us) for purposes of monitoring and improving the quality of service.  

Request of Information and Reporting of Information: We may periodically request updated 
information from you and/or any joint cardholder, co-signer or authorized user on the Account, and we 
may provide, consistent with applicable laws and regulations, information with respect to your Account 
to others, including consumer reporting agencies and other credit grantors.  

Credit Reports: We may report information about your Account to credit bureaus. Late payments, 
missed payments, or other Defaults on your Account, as well as your Account balance, may be reflected 
in your credit report and the credit reports of any joint cardholder, co-signer, and/or authorized user on 
the Account.  

Foreign Transactions. Charges will be converted into U.S. dollars under a currency conversion procedure 
established by Visa. The exchange rate for these transactions is (a) a rate selected by Visa from the 
range of rates available in wholesale currency markets for the central processing date (which may differ 
from the rate Visa receives), or (b) the government-mandated rate in effect for the applicable central 
processing date. The currency conversion rate used on the processing date may be different than the 
rate that would have been used on the purchase date or the statement posting date.  

 
 
 
 
 
 
 
 
 
CABELA’S CLUB VISA REWARDS PROGRAM  
The Cabela’s CLUB Visa Rewards Program is governed by separate terms and conditions (“Rewards 
Terms and Conditions”), which will be provided separately. In the event of any conflict between this 
Agreement and the Rewards Terms and Conditions, this Agreement will govern, except the Rewards 
Terms and Conditions will govern any matter related to the rewards program.  

YOUR BILLING RIGHTS. Keep This Notice 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 82608 - Lincoln, 
NE 68501  

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, 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 receiving your letter, we must either correct the error or explain to you why 

we believe the bill is correct.  

While we investigate whether or not there has been an error:  

•  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, 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 the 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 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.  

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 82608 - Lincoln, NE 68501  
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.  

STATEMENT OF MILITARY ANNUAL PERCENTAGE RATE (MAPR)  
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: 1-800-662-0419. 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. 

Information accurate as of quarter ending: 9/30/2018