D809 / M-116868  

Platinum Visa®  
24.15% Variable Monthly APR (WSJ Prime + 20.65%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D834 / M-112998         

Platinum Visa®  
20.15% Variable Monthly Purchase APR (WSJ Prime + 16.65%)  
24.15% Variable Monthly Cash Advance APR (WSJ Prime + 20.65%) 
$45 Annual Membership Fee         
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D865 / M-114846         

Platinum Visa®   
23.90% Variable Monthly Purchase APR (WSJ Prime + 20.40%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D864 / M-114847 

D842 / M-116867 

D815 / M-116873 

Platinum Visa®  
19.90% Variable Monthly APR (WSJ Prime + 16.40%)  
$45 Annual Membership Fee   
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum MasterCard®  
20.15% Variable Monthly APR (WSJ Prime + 16.65%)  
$60 Annual Membership Fee first year, then $60 at $5.00 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
20.15% Variable Monthly APR (WSJ Prime + 16.65%)  
$45 Annual Membership Fee   
$5.00 or 8% Cash Advance Fee (whichever is greater) 

© 2016 Credit One Bank, N.A. All rights reserved.      
    Credit One®, Credit One Bank®  and the corresponding logos are federally registered trademarks. 

2016.06.30 

                         
 
       
 
       
 
 
                         
 
       
 
 
 
                         
 
 
 
       
 
       
                         
 
 
                            
 
       
 
       
  
 
                            
 
       
 
 
 
 
 
 
 
 
 
 
       
 
 
 
 
 
 
 
 
 
 
 
 
 
 
D852 / M-116857         

D853 / M-116858         

D856 / M-116859 

D862 / M-116860 

D863 / M-116861 

D854 / M-116862 

Platinum Visa®  
16.65% Variable Monthly Purchase APR (WSJ Prime + 13.15%)  
25.15% Variable Monthly Cash Advance APR (WSJ Prime + 21.65%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

Platinum Visa®   
22.90% Variable Monthly Purchase APR (WSJ Prime + 19.40%)  
24.90% Variable Monthly Cash Advance APR (WSJ Prime + 21.40%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
17.90% Variable Monthly APR (WSJ Prime + 14.40%)  
$35 Annual Membership Fee first year, then $75 at $6.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
19.90% Variable Monthly APR (WSJ Prime + 16.40%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
23.90% Variable Monthly APR (WSJ Prime + 20.40%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum Visa 
15.65% Variable Monthly Purchase APR (WSJ Prime + 12.15%) 
25.15% Variable Monthly Cash Advance APR (SWJ Prime + 21.65%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

© 2016 Credit One Bank, N.A. All rights reserved.      
    Credit One®, Credit One Bank®  and the corresponding logos are federally registered trademarks. 

2016.06.30 

                         
 
       
 
 
       
 
                         
 
 
 
       
 
       
 
 
       
 
                         
 
 
                            
 
       
 
       
  
 
                            
 
       
 
       
 
 
                         
 
       
                         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
D855 / M-116863         

Platinum Visa®  
21.90% Variable Monthly Purchase APR (WSJ Prime + 18.40%)  
24.90% Variable Monthly Cash Advance APR (WSJ Prime + 21.40%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

D851 / M-116864 

Platinum Visa®  
24.15% Variable Monthly APR (WSJ Prime + 20.65%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D850 / M-116865       

Platinum Visa®  
20.15% Variable Monthly APR (WSJ Prime + 16.65%) 
$75 Annual Membership Fee first year, then $99 at $8.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D849 / M-116866 

D004 / M-116876 

Platinum Visa®  
18.15% Variable Monthly APR (WSJ Prime + 14.65%) 
$35 Annual Membership Fee first year, then $75 at $6.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
17.90% Variable Monthly APR (WSJ Prime + 14.40%) 
$35 Annual Membership Fee 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

© 2016 Credit One Bank, N.A. All rights reserved.      
    Credit One®, Credit One Bank®  and the corresponding logos are federally registered trademarks. 

2016.06.30 

 
 
                         
 
       
 
 
       
 
                         
 
 
                            
 
       
 
       
 
 
                            
 
       
 
       
 
 
                         
 
       
                         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
D866 / M-114848         

Platinum Visa®  
17.90% Variable Monthly Purchase APR (WSJ Prime + 14.40%)  
$35 Annual Membership Fee first year, then $75 at $6.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D867 / M-114849 

Platinum Visa®  
23.90% Variable Monthly APR (WSJ Prime + 20.40%)  
$75 Annual Membership Fee first year, then $99 at $8.25 per month  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D001 / M-116870       

Platinum Visa®  
17.90% Variable Monthly APR (WSJ Prime + 14.40%) 
$45 Annual Membership Fee   
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D868 / M-116871 

D869 / M-116872 

Platinum Visa®  
18.90% Variable Monthly Purchase APR (WSJ Prime + 15.40%) 
24.90% Variable Monthly Cash Advance APR (WSJ Prime + 21.40%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

Platinum Visa®  
19.90% Variable Monthly Purchase APR (WSJ Prime + 16.40%) 
24.90% Variable Monthly Cash Advance APR (WSJ Prime + 21.40%) 
$0 Annual Membership Fee 
$10.00 or 3% Cash Advance Fee (whichever is greater) 

© 2016 Credit One Bank, N.A. All rights reserved.      
    Credit One®, Credit One Bank®  and the corresponding logos are federally registered trademarks. 

2016.06.30 

 
 
                         
 
       
 
       
 
 
                            
 
       
 
       
 
 
                            
 
       
 
       
 
 
                         
 
 
 
       
                         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
D002 / M-116874         

Platinum Visa®  
17.90% Variable Monthly Purchase APR (WSJ Prime + 14.40%)  
$35 Annual Membership Fee first year, then $75 at $6.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D005 / M-117639 

Platinum Visa®  
19.90% Variable Monthly APR (WSJ Prime + 16.40%)  
$0 Annual Membership Fee first year, then $45  
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D006 / M-117640       

Platinum Visa®  
19.90% Variable Monthly APR (WSJ Prime + 16.40%) 
$45 Annual Membership Fee   
$5.00 or 8% Cash Advance Fee (whichever is greater) 

D007 / M-117641 

Platinum Visa®  
23.90% Variable Monthly APR (WSJ Prime + 20.40%) 
$75 Annual Membership Fee first year, then $99 at $8.25 per month 
$5.00 or 8% Cash Advance Fee (whichever is greater) 

© 2016 Credit One Bank, N.A. All rights reserved.      
    Credit One®, Credit One Bank®  and the corresponding logos are federally registered trademarks. 

2016.06.30 

 
 
                         
 
       
 
       
 
 
 
                            
 
       
 
       
 
 
 
                            
 
       
 
       
 
 
 
                         
 
       
                         
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
D809

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

24.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 20.65%, currently 24.15% 
(corresponding monthly periodic rate of 2.0125%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

3

sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00389

D809 / M-116868

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D834

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases

APR for Cash Advances

20.15%
This APR will vary with the market based on the Prime Rate.
24.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
credit. If established with a $500 credit line, then $455 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$45

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 

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services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary with the market 
based on the Prime Rate. There is no grace period for Purchases and Cash Advances. For each billing cycle, the APR for Purchases and Cash Advances is determined by 
adding 16.65% and 20.65%, respectively, to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day 
of each month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rates will take effect 
on the first day of the following month. The new rates will be applied to all applicable balances on the Account. The estimated APR for Purchase balances is 3.50% plus 
16.65%, currently 20.15% (corresponding monthly periodic rate of 1.6791%) and for Cash Advance balances is 3.50% plus 20.65%, currently 24.15% (corresponding 
monthly periodic rate of 2.0125%). The APRs will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage 
Rates were disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be 
no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or 
charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. 
To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total 
by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid 
in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

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sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00346

D834 / M-112998

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D865

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

23.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 20.40%, currently 23.90% 
(corresponding monthly periodic rate of 1.9916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

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sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

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Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00407

D865 / M-114846

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D864

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

19.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
credit. If established with a $500 credit line, then $455 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$45

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 

2

services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 16.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 16.40%, currently 19.90% 
(corresponding monthly periodic rate of 1.6583%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will 
be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or 
charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. 
To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total 
by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid 
in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 

3

Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 

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at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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:

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 

6

 
 
 
 
 
 
 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00408

D864 / M-114847

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D842

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

20.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

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.

Set-up and Maintenance
Fees

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $500 credit line, your 
initial available credit will be $440.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$60 First year. $60 thereafter, billed monthly at $5.00.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater.

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $60.00 and will be billed to your Account when it is opened. The Annual 
Membership Fee for your Account beginning in year two is $60.00 and will be billed to your Account in monthly installments of $5.00 per month. The Annual Membership 
Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you 
pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or 

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Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. 
The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with participating 
merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 16.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 16.65%, currently 20.15% 
(corresponding monthly periodic rate of 1.6800%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will 
be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or 
charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. 
To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total 
by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid 
in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater.
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

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sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, and purchases at restaurants using SIC Codes 5812, 5813, and 5814, minus 
any returns or other credits using these same SIC Codes. Although a merchant or the items that it sells may appear to fit the gas, grocery, or restaurant reward categories, 
the merchant may not have or use an SIC Code that is included in this Program, and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards 
if a merchant does not submit the purchase using an SIC Code that we have designated for gas, grocery, and restaurant rewards. A merchant with more than one location 
may submit purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that purchases from the same merchant at a 
different location may result in no reward. Purchases from the following types of merchants are not eligible for gas rewards: oil, propane, and home heating companies. 
Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas, grocery, or restaurant purchases made while your Account is in default as defined within your Cardholder 
Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes 
Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas, grocery, or restaurant rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, 
you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00411

D842 / M-116867

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D815

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

20.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
credit. If established with a $500 credit line, then $455 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$45

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 

2

services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 16.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on 
the first day of the following month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all 
balances is 3.50% plus 16.65%, currently 20.15% (corresponding monthly periodic rate of 1.6791%). The APR will never be greater than 29.90% (corresponding monthly 
periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed 
from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 
Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the 
new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 

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Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 

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at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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:

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 

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NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00398

D815 / M-116873

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D852

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

16.65%
This APR will vary with the market based on the Prime Rate.
25.15%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

•

Authorized User
Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0
$19 annually (if applicable).

Either $10 or 3% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary. The Purchase APR will be determined by 
adding 13.15% to the Prime Rate and the Cash Advance APR is determined by adding 21.65% to the Prime Rate. The Prime Rate used to determine the Purchase and 
Cash Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If 
the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day 
of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The estimated APR for Purchase balances is 
3.50% plus 13.15%, currently 16.65% (corresponding monthly periodic rate of 1.3875%). The estimated APR for Cash Advance balances is 3.50% plus 21.65%, currently 
25.15% (corresponding monthly periodic rate of 2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent 
Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 

2

Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the 
monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any 
new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance 
Charges will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, 
if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting 
on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

3

operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

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CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
“eligible net purchases” made with your Account. Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants. You will not 
earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding 
“eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your 
Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show on your statement as “Credit One Rewards Credit.”
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.

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3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 

6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00400

D852 / M-116857

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Back to TopD853

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

22.90%
This APR will vary with the market based on the Prime Rate.
24.90%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

•

Authorized User
Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0
$19 annually (if applicable).

Either $10 or 3% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary. The Purchase APR will be determined by 
adding 19.40% to the Prime Rate and the Cash Advance APR is determined by adding 21.40% to the Prime Rate. The Prime Rate used to determine the Purchase and 
Cash Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If 
the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day 
of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The estimated APR for Purchase balances is 
3.50% plus 19.40%, currently 22.90% (corresponding monthly periodic rate of 1.9083%). The estimated APR for Cash Advance balances is 3.50% plus 21.40%, currently 
24.90% (corresponding monthly periodic rate of 2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent 
Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 

2

Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the 
monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any 
new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance 
Charges will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, 
if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting 
on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

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operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

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CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
“eligible net purchases” made with your Account. Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants. You will not 
earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding 
“eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your 
Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show on your statement as “Credit One Rewards Credit.”
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.

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3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 

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by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00401

D853 / M-116858

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Back to TopD856

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

17.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

• Authorized User
 Participation Fee

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your account is established with a $300 credit line, your 
initial available credit will be $265. If established with a $400 credit line, then $365 initial available 
credit. If established with a $500 credit line, then $465 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.
$35 First year (Introductory period). $75 thereafter, billed monthly at $6.25.

$19 annually (if applicable).

Transaction Fees
• Cash Advance 

Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Penalty Fees
•
Late Payment

• Returned Payment

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $35.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $75.00 and will be billed to your Account in monthly installments of $6.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 
any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:

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(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges to your 
Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be determined 
by adding 14.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If the 
Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the 
following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 14.40%, currently 17.90% (corresponding 
monthly periodic rate of 1.4916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage 
Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no 
less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be assessed 
from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 
Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your Account 
is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on the date 
of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 

3

Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

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28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 

6

 
 
 
 
 
 
 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00402

D856 / M-116859

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D862

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

19.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on purchases and cash advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

• Authorized User
 Participation Fee

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.
$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

$19 annually (if applicable).

Transaction Fees
• Cash Advance 

Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Penalty Fees
•
Late Payment

• Returned Payment

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 
any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:

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(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges to your 
Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be determined 
by adding 16.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If the 
Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the 
following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 16.40%, currently 19.90% (corresponding 
monthly periodic rate of 1.6583%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage 
Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less 
than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year (Introductory 
period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and 
will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of 
your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives 
us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average 
daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue finance 
charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 

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properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

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29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 

6

 
 
 
 
 
 
 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00403

D862 / M-116860

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D863

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

23.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on purchases and cash advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 
any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:

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(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 20.40%, currently 23.90% 
(corresponding monthly periodic rate of 1.9916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the purchase, cash advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new purchases, cash advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 

3

properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

4

29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 

6

 
 
 
 
 
 
 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00404

D863 / M-116861

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D854

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

15.65%
This APR will vary with the market based on the Prime Rate.
25.15%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0

$19 annually (if applicable).

Either $10 or 3% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances vary. The Purchase APR will be determined by adding 
12.15% to the Prime Rate and the Cash Advance APR is determined by adding 21.65% to the Prime Rate. The Prime Rate used to determine the Purchase and Cash 
Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If the 
Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day 
of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The estimated APR for Purchase balances is 
3.50% plus 12.15%, currently 15.65% (corresponding monthly periodic rate of 1.3042%). The estimated APR for Cash Advance balances is 3.50% plus 21.65%, currently 
25.15% (corresponding monthly periodic rate of 2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent 
Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 

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Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the 
monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any 
new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance 
Charges will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, 
if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting 
on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

3

operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

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CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 1% on all “eligible net purchases” made with your Account; and an additional 0.1% (10% reward bonus) for a total of 1.1% 
on “eligible net purchases” made with your Account at restaurant merchants using select Standard Industrial Classification Codes (“SIC Codes”). We will post a statement 
credit to your Account within seven days of the end of the month equal to 1% or 1.1% of corresponding “eligible net purchases” made with your Account from the 27th of 
the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you 
WILL NOT receive the credit. Eligible credits will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from restaurant merchants using SIC Codes 5812, 5813 and 5814. Although 
a merchant or the items that it sells may appear to fit the restaurant reward category, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for restaurant rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify under 
this Program. This means that purchases from the same merchant at a different location may result in no reward. 
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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

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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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 

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applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00405

D854 / M-116862

7

Back to TopD855

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

21.90%
This APR will vary with the market based on the Prime Rate.
24.90%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0

$19 annually (if applicable).

Either $10 or 3% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances vary. The Purchase APR will be determined by adding 
18.40% to the Prime Rate and the Cash Advance APR is determined by adding 21.40% to the Prime Rate. The Prime Rate used to determine the Purchase and Cash 
Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If the 
Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day 
of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The estimated APR for Purchase balances is 
3.50% plus 18.40%, currently 21.90% (corresponding monthly periodic rate of 1.8250%). The estimated APR for Cash Advance balances is 3.50% plus 21.40%, currently 
24.90% (corresponding monthly periodic rate of 2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent 
Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 

2

Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the 
monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any 
new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance 
Charges will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, 
if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting 
on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

3

operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

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CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 1% on all “eligible net purchases” made with your Account; and an additional 0.1% (10% reward bonus) for a total of 1.1% 
on “eligible net purchases” made with your Account at restaurant merchants using select Standard Industrial Classification Codes (“SIC Codes”). We will post a statement 
credit to your Account within seven days of the end of the month equal to 1% or 1.1% of corresponding “eligible net purchases” made with your Account from the 27th of 
the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you 
WILL NOT receive the credit. Eligible credits will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from restaurant merchants using SIC Codes 5812, 5813 and 5814. Although 
a merchant or the items that it sells may appear to fit the restaurant reward category, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for restaurant rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify under 
this Program. This means that purchases from the same merchant at a different location may result in no reward. 
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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

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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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 

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applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00406

D855 / M-116863

7

Back to TopD851

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

24.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 20.65%, currently 24.15% 
(corresponding monthly periodic rate of 2.0125%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

3

sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00393

D851 / M-116864

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D850

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

20.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

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any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 16.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 16.65%, currently 20.15% 
(corresponding monthly periodic rate of 1.6791%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

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sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00394

D850 / M-116865

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D849

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

18.15%
This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $265. If established with a $400 credit line, then $365 initial available 
credit. If established with a $500 credit line, then $465 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$35 First year (Introductory period). $75 thereafter, billed monthly at $6.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $35.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $75.00 and will be billed to your Account in monthly installments of $6.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 14.65% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 14.65%, currently 18.15% 
(corresponding monthly periodic rate of 1.5125%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be 
assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new 
Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up 
all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges 
will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your 
Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on 
the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

3

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 

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procedure for applying for a credit limit increase, contact us at (877) 825-3242.

27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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:

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00395

D849 / M-116866

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D004

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

17.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $265. If established with a $400 credit line, then $365 initial available 
credit. If established with a $500 credit line, then $465 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$35

• Authorized User
 Participation Feee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $35.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 

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services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 14.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect 
on the first day of the following month. The new rate will be applied to all balances on the Account. The APR for all balances is 3.50% plus 14.40%, currently 17.90% 
(corresponding monthly periodic rate of 1.4916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be 
assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new 
Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up 
all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges 
will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your 
Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on 
the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 

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above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 

6

 
 
 
 
 
 
 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00417

D004 / M-116876

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D866

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

17.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $265. If established with a $400 credit line, then $365 initial available 
credit. If established with a $500 credit line, then $465 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$35 First year (Introductory period). $75 thereafter, billed monthly at $6.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $35.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $75.00 and will be billed to your Account in monthly installments of $6.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 14.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 14.40%, currently 17.90% 
(corresponding monthly periodic rate of 1.4916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be 
assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new 
Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up 
all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges 
will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your 
Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on 
the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

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17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 

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procedure for applying for a credit limit increase, contact us at (877) 825-3242.

27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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:

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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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

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Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00409

D866 / M-114848

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D867

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

23.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge in the First year (Introductory period).

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year (Introductory period). $99 thereafter, billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 (Introductory period) and will be billed to your Account when it is 
opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The 
Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to 
be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for 

2

any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once 
every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with 
participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting 
agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to all balances on the Account. The estimated APR for all balances is 3.50% plus 20.40%, currently 23.90% 
(corresponding monthly periodic rate of 1.9916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 
will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge in the First year 
(Introductory period). Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid 
in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning 
balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. 
This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the 
“average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue 
finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 

3

sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent us from updating your Credit Score in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

6

 
 
 
 
 
 
 
Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00410

D867 / M-114849

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D001

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

17.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
credit. If established with a $500 credit line, then $455 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$45

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 

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services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 14.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on 
the first day of the following month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all 
balances is 3.50% plus 14.40%, currently 17.90% (corresponding monthly periodic rate of 1.4916%). The APR will never be greater than 29.90% (corresponding monthly 
periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed 
from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 
Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the 
new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 

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Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 

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at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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:

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 

6

 
 
 
 
 
 
 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00412

D001 / M-116870

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D868

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

18.90%
This APR will vary with the market based on the Prime Rate.
24.90%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0

$19 annually (if applicable).

Either $10 or 3% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances vary. The Purchase APR will be determined by adding 
15.40% to the Prime Rate and the Cash Advance APR is determined by adding 21.40% to the Prime Rate. The Prime Rate used to determine the Purchase and Cash 
Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If the 
Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day 
of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The APR for Purchase balances is 3.50% 
plus  15.40%,  currently  18.90%  (corresponding  monthly  periodic  rate  of  1.5750%). The  APR  for  Cash Advance  balances  is  3.50%  plus  21.40%,  currently  24.90% 
(corresponding monthly periodic rate of 2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 

2

will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be 
assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new 
Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up 
all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges 
will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your 
Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on 
the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

3

operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

4

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 1% on all “eligible net purchases” made with your Account; and an additional 0.1% reward bonus for a total of 1.1% on 
“eligible net purchases” made with your Account at restaurant merchants using select Standard Industrial Classification Codes (“SIC Codes”). We will post a statement 
credit to your Account within seven days of the end of the month equal to 1% or 1.1% of corresponding “eligible net purchases” made with your Account from the 27th of 
the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you 
WILL NOT receive the credit. Eligible credits will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from restaurant merchants using SIC Codes 5812, 5813 and 5814. Although 
a merchant or the items that it sells may appear to fit the restaurant reward category, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for restaurant rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify under 
this Program. This means that purchases from the same merchant at a different location may result in no reward. 
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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

5

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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 

6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00413

D868 / M-116871

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Back to TopD869

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
ANNUAL PERCENTAGE RATE 
(APR) for Cash Advances

Paying Interest

19.90%
This APR will vary with the market based on the Prime Rate.
24.90%
This APR will vary with the market based on the Prime Rate.

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

• Annual Membership Fee

•

Authorized User
Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

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.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

$0
$19 annually (if applicable).

Either $10 or 3% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to your Account, the Periodic 
Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary. The Purchase APR will be determined by 
adding 16.40% to the Prime Rate and the Cash Advance APR is determined by adding 21.40% to the Prime Rate. The Prime Rate used to determine the Purchase and 
Cash Advance APR is the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. 
If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the 
first day of the following month. The new rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The APR for Purchase balances is 
3.50% plus 16.40%, currently 19.90% (corresponding monthly periodic rate of 1.6583%). The APR for Cash Advance balances is 3.50% plus 21.40%, currently 24.90% 
(corresponding monthly periodic rate of 2.0750%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual 
Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge 

2

will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be 
assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
periodic rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new 
Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up 
all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges 
will be assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your 
Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on 
the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $10.00 or 3% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, except cash advance 
fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

17. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 

3

operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One Bank may terminate the 
Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as 
described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems 
termination of the Account to be in its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One 
Bank membership will be terminated immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to 
zero and you will not be required to pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to 
you. The rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.

20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

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CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on all other 
“eligible net purchases” made with your Account. Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants. You will not 
earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding 
“eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your 
Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show on your statement as “Credit One Rewards Credit.”
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for purchases made while your Account is in default as defined within your Cardholder Agreement. Disputed or 
unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled 
in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will receive a 
distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.

5

 
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 

6

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00414

D869 / M-116872

7

Back to TopD002

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

17.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
begin charging interest on Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your account is established with a $300 credit line, your 
initial available credit will be $265. If established with a $400 credit line, then $365 initial available 
credit. If established with a $500 credit line, then $465 initial available credit.

You may still reject this plan, provided that you have not yet used the account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$35 

• Authorized User
 Participation Fee 

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each cash advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).

Up to $37

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
 
 
 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $35.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 
services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases, Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges to your 
Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be determined 

2

by adding 14.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each month. If 
the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first 
day of the following month. The new rate will be applied to all balances on the Account. The APR for all balances is 3.50% plus 14.40%, currently 17.90% (corresponding 
monthly periodic rate of 1.4916%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage 
Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no 
less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be assessed 
from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 
Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your Account 
is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on the date 
of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new cash advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee in the First year (Introductory period).
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 

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is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

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29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 

6

 
 
 
 
 
 
 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00415

D002 / M-116874

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D005

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

19.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

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.

Set-up and Maintenance
Fees

Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
charges. 

• Annual Membership Fee

$0 for the First year, then $45.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee for the First year.

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

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VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. JOINT ACCOUNTS: If the application was for more than one person, or if an application was made and accepted by Credit One Bank to add a new Cardholder to an 
existing Account, this is a “Joint Account.” Each of you individually may use the Account to the extent of the credit limit established for the Account, and each of you is jointly 
and severally liable for the full outstanding balance, including, but not limited to, charges made by any Cardholder. Each of you shall also be jointly and severally liable 
for any charges made by any person given permission to use the Account by any Cardholder. You agree that Credit One Bank is authorized to act on the instructions of any 
Cardholder. Instructions from any one of you will constitute instructions from all of you. Requests from a Cardholder to terminate the privileges of another Cardholder on 
the Account will be deemed a request for termination of the Account.

3. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

4. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

5. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

6. USING YOUR CARD: You and any Joint Cardholder or Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where 
the Card is accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce 
the available credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions 
or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and 
other fees and charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal 
use and may not be used for business purposes.

7. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

8. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

9.  ANNUAL  MEMBERSHIP  FEE: There  is  no Annual  Membership  Fee  for  your Account  in  year  one  (during  the  first  12  months  after  account  opening). The Annual 
Membership Fee for your Account beginning in year two is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account 
is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as 
long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, 

2

as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, 
including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

10. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 16.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on 
the first day of the following month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all 
balances is 3.50% plus 16.40%, currently 19.90% (corresponding monthly periodic rate of 1.6583%). The APR will never be greater than 29.90% (corresponding monthly 
periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed 
from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new Purchases, 
Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the 
new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the First year.
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

11. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

12. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
(4) Co-applicant Fee: To add an additional Cardholder to the Account after it is opened, an application must be submitted to Credit One Bank. The co-applicant fee in 
effect at the time of such application will be required; and (5) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may 
be charged to your Account.

13. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

14. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

15. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

16. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

17. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 

3

above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

18. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

19. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

20. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

21. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

22. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

23. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

24. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

25. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

26. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

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27. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

28. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

29. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

30. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

31. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of “eligible net purchases” (as defined below) 
made with your Account. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of “eligible net purchases” made with your 
Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the 
credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are purchases of gasoline from merchants using Standard Industrial Classification Codes (“SIC Codes”) 5172, 5541, 
and 5542, and purchases of groceries from merchants using SIC Codes 5411, 5422, and 5499, minus any returns or other credits using these same SIC Codes. Although 
a merchant or the items that it sells may appear to fit the gas or grocery reward categories, the merchant may not have or use an SIC Code that is included in this Program, 
and purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have 
designated for gas and grocery rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for gas rewards: oil, propane, and home heating companies. Purchases from the following merchants are not eligible for grocery rewards: Target, Walmart, 
K-Mart, Kaufland, Costco, and Sam’s Club.
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your 
billing statement each month. You WILL NOT earn rewards for gas or grocery purchases made while your Account is in default as defined within your Cardholder Agreement. 
Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts 
already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible gas or grocery rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed above at that time, you will 
receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

5

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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 

6

 
 
 
 
 
 
 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00399

D005 / M-117639

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D006

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

19.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due.

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
credit. If established with a $500 credit line, then $455 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$45

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee for the First year.

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your Account as long as it remains 
open  or,  if  your Account  is  closed  by  you  or  us,  the Annual  Membership  Fee  will  continue  to  be  charged  until  you  pay  your  outstanding  balance  in  full. The Annual 
Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. 
An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed for providing 
services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:
(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 

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determined by adding 16.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on 
the first day of the following month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all 
balances is 3.50% plus 16.40%, currently 19.90% (corresponding monthly periodic rate of 1.6583%). The APR will never be greater than 29.90% (corresponding monthly 
periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed 
from the date the purchase, cash advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic 
rate to the “average daily balance” of your Account. To get the “average daily balance,” we take the beginning balance of your Account each day, add any new purchases, 
cash advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily 
balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be 
assessed on all “average daily balances” until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the 
new balance from your previous statement was paid in full or even if that new balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the First year.
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 
Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 

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and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 

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of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 
for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

6

 
 
 
 
 
 
 
American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00436

D006 / M-117640

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D007

 Interest Rates and Interest Charges

ANNUAL PERCENTAGE RATE 
(APR) for Purchases
and Cash Advances

23.90%
This APR will vary with the market based on the Prime Rate.

Paying Interest

We will begin charging interest on Purchases and Cash Advances on the posting date.

Minimum Interest Charge

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau

Fees

Set-up and Maintenance
Fees

If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
Interest Charge for the First year.

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.

Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
the amount of your initial available credit. If your Account is established with a $300 credit line, your 
initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
credit. If established with a $500 credit line, then $425 initial available credit.

You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges.

• Annual Membership Fee

$75 First year, then $99 billed monthly at $8.25.

• Authorized User
 Participation Fee

Transaction Fees
• Cash Advance 

Penalty Fees
•
Late Payment

• Returned Payment

$19 annually (if applicable).

Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
$400 will not receive a Cash Advance Transaction Fee for the First year.

Up to $35

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”
See your Cardholder Agreement, Disclosure Statement and Arbitration Agreement (“Agreement”) for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in
your account agreement.

1

 
 
VISA/MASTERCARD CARDHOLDER AGREEMENT,
DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT

This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA® or MasterCard® Account issued 
by Credit One Bank, N.A. (the “Account,” “Card” or “Card Account”). The words “you,” “your” and “Cardholder(s)” refer to all persons, jointly and severally, authorized to use 
the Card Account; and “we,” “us,” “our,” and “Credit One Bank” refer to Credit One Bank, N.A., its successors or assigns. By requesting and receiving, signing or using your 
Card, you agree as follows: 

IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under this Agreement.

1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which the finance charges are 
calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by law, any change will apply to your new activity 
and, in certain circumstances, to your outstanding balance when the change is effective. If you do not wish to be subject to the change, you must notify Credit One Bank 
by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the 
change, and close your Account.

2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card account number. If you 
allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least fifteen years of age, you understand that: (1) 
you will be solely responsible for the use of your Account and each card issued on your Account including all charges and transactions made by the Authorized User and 
any fees resulting from their actions to the extent of the credit limit established for the Account; (2) the Authorized User will have access to certain account information 
including balance, available credit and payment information. If you provide an Authorized User with any information that enables him/her to access or use your Account, 
you agree to be liable for the Authorized User’s use of that information, and we will have no responsibility or liability for any of the Authorized User’s actions; (3) we reserve 
the right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on 
the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to consumer reporting 
agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card lost or stolen and remove him or herself 
from the Account; (6) you can request the removal of the Authorized User from your Account via mail or telephone. 
Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the Authorized User’s name. This 
Fee will be assessed annually in the month the Authorized User was added to the Account.

3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One Bank has reason to 
believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following actions: (1) refuse to act on any conflicting 
instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) terminate the Account. In no event will Credit One Bank be 
liable for any delay or refusal to honor a request for an advance or any other request with respect to your Account, or for restricting or terminating the Account as provided 
in this section.

4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will be shown on each of your 
billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You agree not to engage in any Card transaction that 
would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not obligated to, extend credit to you from your Account if you are already 
up to your Credit Limit or if the borrowing would take you over your Credit Limit at any time. You must pay us on demand any amount by which your Account’s balance 
exceeds your Credit Limit. If we extend credit over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights 
under this paragraph.

5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make purchases of goods or services at merchant establishments where the Card is 
accepted, and (2) to obtain cash advances (i.e., loans of money) at participating financial institutions. Each purchase and cash advance obtained will reduce the available 
credit under your credit limit until it is repaid. Cash advances are limited to 25% of your assigned credit limit. Cash advances cannot exceed two transactions or more than 
$200.00 per day, as applicable. You promise to pay us, when due, the total amount of all purchases and cash advances, as well as all finance charges, and other fees and 
charges billed to your Card Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may 
not be used for business purposes.

6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card purchases or cash advances. You agree that we shall have 
no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent authorization of a transaction, (c) 
authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant to any term of this Agreement.

7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or an outstanding balance 
on your Account. The statement itemizes your Account activity, including purchases, cash advances, fees, finance charges, other charges, and payments and credits posted 
during the billing period. The payment coupon portion of the statement will serve as your bill. When making payment, write your Account number on your check or money 
order and return the coupon with your payment. You should retain the remaining portion of your statement for your records. If the Bank offers, and you elect to receive, 
your monthly statement electronically, paper statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the 
Bank’s website or telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank 
will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 p.m. Pacific Time (“PT”).

8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is opened. The Annual 
Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Membership 
Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you 
pay your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any Purchases or 
Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. 
The Annual Membership Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card with participating 
merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
providing the opportunity for additional credit.

9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of the Periodic Finance 
Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:

2

(a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and other fees and charges 
to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (“APR”) for Purchases and Cash Advances may vary and will be 
determined by adding 20.40% to the U.S. Prime Rate appearing in the “Money Rates” section of any edition of The Wall Street Journal published on the 25th day of each 
month. If the Journal is not published on that day, then the Prime Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on 
the first day of the following month. The new rate will be applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all 
balances is 3.50% plus 20.40%, currently 23.90% (corresponding monthly periodic rate of 1.9916%). The APR will never be greater than 29.90% (corresponding monthly 
periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you 
are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Credit lines less than $400 will not 
receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date the purchase, cash advance, fee or charge is posted to your 
Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the “average daily balance” of your Account. To get the “average daily 
balance,” we take the beginning balance of your Account each day, add any new purchases, cash advances, fees and charges, and subtract any payments or credits and 
unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in 
the billing cycle. This gives us the “average daily balance.” Periodic Finance Charges will be assessed on all “average daily balances” until paid in full. All Purchases, Cash 
Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
balance was zero.
(b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge of $5.00 or 8% of the 
amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the First year.
(c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the “Credit Limit Increase Requests” section of this 
Agreement.
(d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of the amount charged or 
$1.00, whichever is greater. For additional information, see the “Foreign Transaction” section of this Agreement.
(e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Charges, and other charges, 
except cash advance fees, will be treated like purchase transactions, posted as principal, and accrue Finance Charges like purchases.
(f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate under the Federal 
Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage Rate disclosed in this Agreement for any 
billing period in which such finance charge is posted to your Account.

10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past Due are not received by 
5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to your Account.

11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: (1) Returned 
Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) Duplicate Statement Fee: If you request 
a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy requested; (3) Sales Slip Request Fee: If you request a copy 
of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; 
and (4) Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.

12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly statement. The Minimum 
Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus any Late Payment Fee for the current billing 
cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment Fee, you must pay at least the Amount Due This Period (less any 
Late Payment Fee for the current billing cycle) and the Past Due Amount by the Payment Due Date shown on your statement. (b) Certain other service fees may be added 
to your minimum payment amount. When you sign up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your 
minimum payment.

13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you agree as follows: (1) 
In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance will be rounded to zero and you will not 
receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive billing cycles, the balance will be rounded to zero and 
you will not receive a refund of this amount.

14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic format not to include wire 
transfer or electronic transactions via Credit One Bank’s account at the Federal Reserve Bank. Do not send cash through the mail, as Credit One Bank cannot be responsible 
for cash lost in the mailing process. To the extent that a payment reduces the principal amount outstanding on your Card Account, new credit will be available (subject to 
your credit limit), but only after 12 calendar days after our receipt of the payment. To insure prompt posting of payments sent through the mail, your payments must be 
sent to the address indicated on your statement and must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to 
the address shown on your statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not accompanied by your 
payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. Crediting of such payments may be delayed 
up to five business days of receipt.
Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund 
transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned to us by your bank unpaid, we may 
re-present the returned check electronically.

15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any postdated check for 
payment to us on the day we receive it.

16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as “paid in full,” must be 
sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check or other payment marked “paid in full” to the 
above address, we can accept late payments or partial payments, or checks or other payments marked with similar notations, without losing any of our rights under this 
Agreement, including our right to seek payment of the full balance of your Account.

17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies 
to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of credit; 
(4) verify your current credit standing in order to present future credit line increases or decreases; (5) qualify you for and present additional lines of credit or other offers; 
and (6) collect amounts owing on your Account. California residents, you agree to waive your right to keep confidential information under Section 1808.21 of the California 

3

Vehicle Code from us. (b) Reporting Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
properly receive that information. However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney 
is provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our employees 
and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection.

18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at any phone number 
(including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you include live 
operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or email. Phone numbers and email addresses you provide include 
those you give to us, those from which you contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; 
activation of the card for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from 
us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide telephone 
number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable attorneys’ fees, incurred as 
a result of us contacting or attempting to contact you at the number(s). (c) COMMUNICATION REVOCATION: If you do not want to receive communications as described 
in the previous paragraph, you must: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, 
and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
must send this written notice to: Attention – Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: 
If you do not want to receive communications previously selected as part of your online account, you must update your preferences under the “Email and Text Notifications” 
section to remove these notifications. We cannot remove these online account notifications for you.

19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail to make any required 
payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; (4) you provide any false or misleading 
financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit One Bank is false or breached; (6) a guardian, conservator, 
receiver, custodian or trustee is appointed for you; (7) you are generally not paying your debts as they become due; (8) the Bank reasonably believes there has been a 
material adverse change in your financial condition; or (9) you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your 
Account, demand the return of your card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. 
You promise to pay any collection costs and attorneys’ fees, including our in-house attorneys’ costs, that Credit One Bank incurs as a result of your default.

20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account is closed by you or us, 
the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the Account and demand payment in 
full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the Cardholders as described elsewhere in this Agreement, 
or if a Cardholder requests termination of the Account privileges of any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in 
its best interests. In the event of voluntary or involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated 
immediately. However, when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to 
pay this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur 
after your closing statement cycles, and you may not receive a statement reflecting the rounding.

21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment of your Card Account.

22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and must be surrendered 
to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your Card for any reason. All Cards have an 
expiration date. We have the right not to renew your Card for any reason.

23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, MasterCard Worldwide or Visa Inc. will convert that 
charge into a U.S. Dollar amount. That conversion will be done at a rate selected by MasterCard or Visa from the range of rates available in wholesale currency markets for 
the applicable central processing date, which rate may vary from the rate MasterCard or Visa itself receives, or the government-mandated rate in effect for the applicable 
central processing date. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date 
the transaction is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee 
may be imposed for foreign transactions as described under the Finance Charge section of this Agreement.

24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is using your Card without 
your permission, you should immediately notify Credit One Bank’s Bank Card Center. You can call (877) 825-3242. You can also notify us in writing at Bank Card Center, 
P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs after you notify us, orally or in writing, of the loss, theft or possible 
unauthorized use. In any event, your liability for unauthorized use will not exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can 
terminate this user’s authority by retrieving the Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that 
this Card Account may be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. 
All terms and conditions of this Agreement and the application shall apply to any substitute Account.

25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to time by Credit One Bank. 
A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, depending on how long your Account has been 
established and your credit history with us and others. We will advise you which fee is applicable to your Account at the time you apply for a credit limit increase. Credit 
limit increase requests are subject to the same credit process as your original application, including review of credit bureau information. You will be notified by mail if your 
request for an increase is declined. Approval will be indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank’s 
procedure for applying for a credit limit increase, contact us at (877) 825-3242.

26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register for Online Account Access 
at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with receiving your Credit Score. Credit Score availability 
can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints may prevent your Credit Score from being updated in a timely manner. 
This service is subject to change or cancellation without notice.

27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.

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28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.

29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws apply, by the laws 
of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.

30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your and our legal rights under 
this Agreement. 

CREDIT ONE CASH BACK REWARDS PROGRAM (“PROGRAM”)

This Credit One Cash Back Rewards Program (the “Program”) supplements the Visa/MasterCard Cardholder Agreement, Disclosure Statement and Arbitration Agreement 
(collectively, the “Cardholder Agreement”) you received with your credit card account issued by Credit One Bank, N.A. (the “Account”). In this Program, the words “we,” “us,” 
“our” and “Credit One” refer to Credit One Bank, N.A. and the words “you” and “your” refer to all persons, jointly and severally, authorized to use the Account and thereby 
participate in the Program. By using your Account, you agree to participate in the Program and to the terms and conditions regarding the Program contained herein. In the 
event of any conflict between the Cardholder Agreement and this Program with respect to matters relating to the Program, this Program shall control. 
EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is determined based on the following 
types of purchases made with your Account: 2% on “eligible net purchases” made with your Account at the NASCAR.com Superstore (store.NASCAR.com); 1% on “eligible 
net purchases” made with your Account at gasoline merchants using select Standard Industrial Classification Codes (“SIC Codes”); and 1% on “eligible net purchases” 
made with your Account at automotive parts and services merchants using select SIC Codes. We will post a statement credit to your Account within seven days of the end 
of the month equal to 1% or 2% of corresponding “eligible net purchases” made with your Account from the 27th of the previous month to the 26th of the current month. 
If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. Eligible credits will show 
on your statement as “Credit One Rewards Credit.”
ELIGIBLE NET PURCHASES: Eligible net purchases are defined as purchases minus any returns or other credits from the same merchants and/or merchants using the 
same SIC Codes. You will not earn rewards on Cash Advances and Fees. Eligible net purchases from gasoline merchants are applicable to gasoline merchants using SIC 
Codes 5172, 5541, and 5542. Eligible net purchases from automotive parts and services merchants are applicable to those merchants using SIC Codes 5511, 5521, 
5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 7531, 7534, 7535, 7538, 7542 and 7549. Although a merchant or the items that it sells may 
appear to fit the gasoline or automotive parts and services categories, the merchant may not have or use a SIC Code that is included in this Program, and purchases with 
that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the purchase using an SIC Code that we have designated for gas or 
automotive parts and services rewards. A merchant with more than one location may submit purchases using different SIC Codes, including SIC Codes that do not qualify 
under this Program. This means that purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants 
are not eligible for rewards: oil, propane, home heating companies, warehouse clubs (including but not limited to Sam’s Club and Costco), and discount supercenters 
(including but not limited to Wal-Mart and Target).
PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net purchase. Automatic statement credits for 
rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the Minimum Payment Due as shown on your billing 
statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts and services purchases made while your Account is in default as defined 
within your Cardholder Agreement. Disputed or unauthorized purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. 
This Program excludes Accounts already enrolled in a different Credit One rewards program. 
AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible SIC Codes without 
prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the Cardholder Agreement section of the 
Customer Service tab. Any revisions may affect your ability to earn rewards.
TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will evaluate your Account 
for any eligible NASCAR, gasoline or automotive parts and services rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.
LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone making a claim on your 
behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by any occurrence outside of our control; 
(3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your responsibility; (4) any merchandise or services you purchase, or for any 
direct, indirect or consequential damages with respect to the use of your Account. In any event, any liability that Credit One may have to you in connection with the Program 
shall be limited to the amount of any rewards you have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by 
federal, state or local law.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

YOUR BILLING RIGHTS - KEEP THIS DOCUMENT FOR FUTURE USE

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: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
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 at 877-825-3242, 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.

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 •  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 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. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
(Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. 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.
3. 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: Bank
  Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.
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.

ARBITRATION AGREEMENT

PLEASE  READ  THIS  ARBITRATION  AGREEMENT  OF  YOUR  CARD  AGREEMENT  CAREFULLY.  IT  PROVIDES  THAT  EITHER  YOU  OR  WE  CAN  REQUIRE  THAT  ANY 
CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND 
THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A 
JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE 
A HEARING AND BE REPRESENTED BY COUNSEL.

Agreement to Arbitrate:
You and we agree that either you or we may, without the other’s consent, require that any controversy or dispute between you and us (all of which are called “Claims”), be 
submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by, and 
enforceable under, the Federal Arbitration Act (the “FAA”), 9 U.S.C. §1 et seq., and (to the extent State law is applicable), the State law governing the Card Agreement.

Claims Covered:
 •  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations on or termination of 
your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted transactions involving your Account, whether 
  authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, or collections matters relating to your Account; services or benefits 
  programs relating to your Account, whether or not they are offered, introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or 
  preceding the opening of) your Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
  Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and us. 
  Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the law will allow it to be enforced.
 •  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through you, such as a co-
  applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims subject to arbitration include not only Claims 
that relate directly to us, a parent company, affiliated company, and any predecessors and successors (and the employees, officers and directors of all of these entities), 
  but also Claims for which we may be directly or indirectly liable, even if we are not properly named at the time the Claim is made, and Claims brought against any other 
  person or entity named as a defendant or respondent in a Claim brought by you against us.
 •  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any intentional tort), common 
law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom or course of dealing or any other legal or 
  equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration include Claims based on any allegations of fact, including an 
  alleged act, inaction, omission, suppression, representation, statement, obligation, duty, right, condition, status or relationship.
 •  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are made independently 
  or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as counterclaims (including but not limited 
to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders or otherwise, and a party who initiates a proceeding in 

  court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other party or parties.
 •  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but must be arbitrated 
  on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney general action or other representative 
  action in court or in arbitration, either as a class representative or class member. Thus, if you or we require arbitration of a particular Claim, neither you nor we may pursue 
the Claim in any court litigation, whether as a class action, private attorney general action, other representative action or otherwise, and the arbitration of such Claim 

  must proceed on an individual basis.

Claims Not Covered:
 •  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state’s equivalent court, so long as the matter remains in such court 
  and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof are 
  not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or interpretation of the Card Agreement as a whole are subject 

to arbitration and are for the arbitrator to decide.

Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and you must follow their 
rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit One Bank, P.O. Box 95516, Las Vegas, 
NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or (if your Account is closed) the last address we have on file 

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for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest 
to your billing address, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of the arbitration administrators, and other 
related materials, including forms and instructions for initiating arbitration, by contacting the arbitration administrators as follows:

American Arbitration Association (“AAA”) 
335 Madison Avenue, Floor 10   
New York, NY  10017-4605  
Web Site:  www.adr.org 

JAMS
1920 Main Street, Suite 300
Irvine, CA  92614-7279
Web Site:  www.jamsadr.com

If neither AAA nor JAMS is willing or able to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or arbitrator.

Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years’ experience or a retired 
or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. The arbitration will be conducted under the 
applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration is filed unless this Arbitration Agreement is inconsistent with 
those procedures and rules, in which case this Arbitration Agreement will prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the 
Card Agreement. These procedures and rules may limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with 
the FAA and applicable statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You 
and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless otherwise required 
by applicable law or the administrator’s rules. The arbitrator will have the power to award to a party any damages or other relief provided for an individual claim under 
applicable law (including constitutional limits that would apply in court), and will not have the power to award relief to, against, or for the benefit of, any person who is not 
a party to the proceeding. The arbitrator will make any award in writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or 
us, the arbitrator will provide a brief statement of the reasons for the award.

Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a 
fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you paid it and you prevail. Except as 
set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first day of that hearing. All other fees will be allocated in 
keeping with the rules of the arbitration administrator and applicable law. However, we will advance or reimburse filing fees and other fees if the arbitration administrator 
or arbitrator determines there is other good reason for requiring us to do so, or we determine there is good cause for doing so. Each party will bear the expense of that 
party’s attorneys, experts, and witnesses, and other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining 
whether a party should recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys’ fees, including our in-
house attorneys’ costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys’ fees and costs against a 
party upon a showing by the other party that the first party’s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the arbitration 
proceedings unreasonably or vexatiously.

No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than individually named 
parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card Agreement, no class action, private attorney 
general action or other representative action may be pursued in arbitration, nor may such action be pursued in court if any party has elected arbitration. No arbitrator 
shall have the authority to conduct any arbitration in violation of this Arbitration Agreement or to issue any relief that applies to any person or entity other than you or us 
individually. Unless consented to by all parties to the arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same 
arbitration (unless those persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration Agreement 
regarding consolidation and joinder is intended to impair a respondent’s right to assert a counterclaim against the claimant pursuant to the administrator’s rules.

Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to stay the 
litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such Claims are part of a lawsuit, unless a 
trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement at any particular time, or in connection with any particular 
Claims, will not constitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement between 
you and us regarding arbitration must be in writing. We will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior 
notice.
An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to judicial review only as 
provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only in respect of the Claims in arbitration, and 
shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any other dispute or controversy.

Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship between you and us 
concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer or assignment of your Account, or any 
amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the section titled “No Class Arbitration or Consolidation or Joinder 
of Parties” is declared unenforceable, the remainder shall be enforceable. If the section titled “No Class Arbitration or Consolidation or Joinder of Parties” is declared 
unenforceable in a proceeding between you and us, without impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall 
be null and void in such proceeding.

© 2016 Credit One Bank, N.A. All rights reserved.
    Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.

C50-00437

D007 / M-117641

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