How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Variable rates are accurate as of XX/XX/XXXX.

*We will charge the maximum safe harbor amount, which is set annually by the Consumer Financial Protection Bureau. Complete details will be in the Agreement sent with your card.

MINIMUM CREDIT LINE: $500 and Future credit line increases may be granted based on your overall credit performance.

ANNUAL FEE: The Annual Fee of $95 will be billed to your Account when opened. It’s refundable as long as you cancel your Account and have not made any transactions. The Annual Fee will bill again each subsequent year until the balance is paid is full and your Account is closed.

ACCEPTANCE: The words "I," "me," "my," "you," and "your" mean the applicant. "Bank," "we," and "us" mean Credit One Bank, N.A., its successors or assigns. I certify that I am 18 years of age or older and that the information on this credit card application is accurate and given in order to obtain credit. If I am approved, my card(s) will be issued and I agree to pay all charges incurred in accordance with the terms and conditions of the Card Agreement ("Agreement"), which will be sent with my card. I understand that my Account will be subject to the terms and conditions of the Agreement, and that the Bank may change all terms and conditions of the Account upon notice to me in accordance with applicable law. I also acknowledge that the Account will be for personal use and cannot be used for business purposes.

ARBITRATION: Your Card Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. Complete details will be in the Card Agreement sent with your card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

ELIGIBILITY CRITERIA: You may not qualify for this offer if: 1) you no longer meet our criteria or income requirements when your application is processed; 2) you have an open or unpaid Account or pending application; 3) the application is altered (other than the address) or not complete, accurate or verifiable; 4) we receive your application after the expiration date; 5) you are a resident of a U.S. Territory; 6) you have an APO/FPO address; or 7) you are a Covered Borrower who is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members and Dependents pursuant to a determination made in accordance with the Military Lending Act 32 C.F.R. 232.5(b).

ACCESS TO CREDIT AND IDENTIFICATION INFORMATION: I authorize the Bank to obtain and use information about me from third parties and credit reporting agencies to: 1) verify my identity; 2) determine my income, debt and credit eligibility; 3) provide renewal of credit; and 4) present future offers, including extensions of credit. The Bank may retain such credit or other information whether or not I receive a card.

COMMUNICATIONS: 1) Consent: You are providing express written permission and consent authorizing us or our 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 and artificial voice 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. 2) 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). 3) Revocation: For information on how your authorization can be revoked, see your Agreement that will be sent with your card.

FEATURES AND BENEFITS:

Access To Credit Score: To access your free monthly educational credit score you must register for Online Account Access at www.CreditOneBank.com and accept the online Terms of Use/Credit Score Authorization Agreement. Availability can take up to 60 days from your enrollment date. Your educational credit score is not used to determine your creditworthiness for this card offer. It is to help you understand your credit score and for your own non-commercial, personal educational review, use and benefit. This service is subject to change or cancellation without notice.

Authorized User: At your request, we may issue an additional card with your Account number in the name of an Authorized User. The Authorized User must be at least 15 years old. You will be solely responsible for all of his/her transactions. You understand that the Authorized User will be able to:

1) make purchases, payments, and report the card lost or stolen;

2) access Account information including balance, available credit, and payment information; and

3) have himself or herself removed from the Account. You can request the removal of the Authorized User from your Account via mail or telephone.

If you advise us that the Authorized User is your spouse, then Account information will be reported to credit bureaus in both your name and in the name of the Authorized User. Complete details will be in the Agreement sent with your card.

Earning Wander Rewards: You earn reward points for every dollar you spend for purchases using your Account minus returns, refunds, disputed charges, and fraudulent transactions (“Net Eligible Purchases”) as follows:

• 10 points on eligible hotel (as defined below) and car rental purchases using the designated travel provider (which may change from time-to-time) accessed via the link in the Credit One Bank mobile app or your online Account. You will receive 5 points after you complete the hotel and car rental purchases and an additional 5 points (“Additional Points”) after the hotel and car rental purchases are used.  If you book the hotel and car rental as a package, you will only receive 5 points for every $1 spent.  For purposes of this paragraph, hotel means all stays (including without limitation, hotels, motels, inns, resorts and any other overnight accommodations available through the designated travel provider) purchased using the link in the Credit One Bank mobile app or your online Account. Any hotel and car rental purchases not booked directly after clicking the link in your Account will only receive 5 points.
• 5 points on eligible purchases in the travel category (flights, travel agencies, and tour operators; hotels, motels, inns, resorts, and car rentals not purchased using the designated travel provider (which may change from time-to-time) accessed via the link in the Credit One Bank mobile app or your online Account), eligible restaurants and gasoline.
  • Eligible purchases include purchases made at restaurants, cafes, bars, nightclubs, lounges, fast food chains, hotels, motels, inns, bed and breakfasts, and resorts.
  • Non-Eligible purchases include purchases made at grocery stores; discount supercenters (including but not limited to Wal-Mart and Target); warehouse clubs (including but not limited to Sam’s Club and Costco); small stores like bakeries, candy, nut or confection stores; stores that sell groceries and other products like drugstores and convenience stores; or oil, propane or at home heating companies.
• 1 point on all other purchases, including the non-eligible purchases listed above.
  • Non-Eligible purchases where you earn no points include travelers checks, foreign currency purchases, money orders, wire transfers, and similar cash-like transactions.

We round the Net Eligible Purchase amount to the nearest whole dollar and you must spend at least one dollar in Net Eligible Purchases with your Account in order to earn points. For example, if you make an eligible purchase of $1.50, you are eligible to earn 2 points, if you make an eligible purchase of $1.49, you are eligible to earn 1 point and if your purchase amount is $0.99 or less, you are not eligible to earn any points.

You do not earn reward points on Cash Advances, Balance Transfers, interest and account fees, unauthorized charges, items returned for credit and other similar charges. Except for Additional Points, points are posted to your Account within seven days after an eligible transaction posts to your Account. Additional Points are typically posted to your Account within ninety (90) days after the applicable hotel and/or car rental purchases are used. If your Account is in default, as defined in your Card Agreement, at the time the points are to be posted, you WILL NOT receive the points. Reward points have no cash value until such time as they are redeemed in accordance with the Program. Points may not be transferred to any other person including through such events as inheritance, bankruptcy or divorce.

Point accumulation is not capped and you may have a negative points balance (because of returns and other post transaction actions). If your Account has a negative points balance, any newly earned points will be used to offset such negative points balance until such balance has been brought to zero. As long as your Account is in good standing your points do not expire. Points are forfeited 90 days after your Account is closed by you or us. If we find evidence of misuse, fraud or the Account is in default, as defined in your Card Agreement, you will not be able to redeem points; provided that if your Account is closed because of nonpayment, you will have 90 days to redeem any points from the date notice is sent to you. See “Redeeming Wander Rewards.” Points from separate accounts cannot be combined. Authorized Users earn points on the Account, but only the primary Cardholder may redeem points.

Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with the applicable credit card

network’s procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into Eligible Purchase categories for purposes of making reward points offers to you. Please note:

• We make every effort to include all relevant merchant codes in our reward points categories. However, even though a merchant or some of the items that it sells may appear to fit within a reward points category, the merchant may not have a merchant code in that category. When this occurs, Purchases with that merchant won’t qualify for reward points offers on Purchases in that category.
• Although a merchant or the items that it sells may appear to fit the reward points categories, the merchant may not have or use an eligible merchant Code. Purchases made without an eligible code WILL NOT qualify for reward points. A merchant with more than one location may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same merchant at a different location may result in no reward points.
• Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a reward points category if the technology is not set up to process the purchase in that reward points category.

Redeeming Wander Rewards: Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point redemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms. Reward points posted to your Account as a statement credit may be requested in increments of 1,000 points. Each point redeemed is worth $0.01 (1,000 = $10) and may change without notice. The number of points you need to redeem for other consumer goods and services will be determined at redemption and may change without notice. The most up-to-date number of reward points you have available to redeem (which reflects any points adjustments, transfers, or redemptions) is available online or at the customer service number and may differ from the available points shown on your last monthly billing statement.

Feedback. If you send or transmit any communications, comments, questions, suggestions, or related materials, whether by letter, e-mail, telephone, or otherwise (Feedback), suggesting or recommending changes to the Program or how rewards points are fulfilled, including, without limitation, new features or
functionality, you grant to us and any of our vendors a perpetual right to use the Feedback for our and their own, respective internal business purposes. Further, we, our service providers, vendors and any subcontractors disclaim any liability to you for any such use of Feedback for our or their own, respective internal business purposes.

Bonus Offer: Spend $1,000 or more in net Eligible Purchases within the first 90 days from account open date (Promotional Period) using your Credit One Bank Wander credit card and you will receive 10,000 bonus points, which could be redeemed for a $100 statement credit. This offer is only valid for new Credit One Bank Wander credit cards open on or after 7/1/2022 and any amount spent on other Credit One Bank credit cards the card member may have will not be included to determine points for this one-time bonus offer. Net Eligible Purchases are Eligible Purchases that post to your Account minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other credits for such Purchases.  Account Fees, interest, travelers checks, foreign currency purchases, money orders, wire transfers, cash advances, balance transfers, and similar cash-like transactions do not qualify for this bonus offer.  You will receive the bonus rewards points on eligible purchases within two billing cycles after the Promotional Period.  The bonus rewards points will only be awarded one time upon meeting the requirements.  If your Account becomes past due, delinquent, or otherwise in default as defined in your Card Agreement at any time during the Promotional Period or on the date the bonus reward points are scheduled to post to your Account, you will not receive the bonus reward points. Points may be redeemed for cash back rewards, gift cards and other consumer goods and services. All point redemptions are subject to terms and conditions set forth at www.creditonebank.com/WanderRewardsRedemptionTerms.

Travel Accident Insurance: Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Wander card to secure transactions. Please refer to your Guide to Benefits sent with your card for further details.

Experian IdentityWorks^SM:  To be eligible for free membership in Experian IdentityWorks^SM, you must complete and submit your Credit One Bank credit card application online at www.CreditOneBank.com. Membership in Experian IdentityWorks^SM is optional. Whether or not you register for membership will not affect your application for credit or the terms of any existing credit agreement you have with the Bank. To learn more or to register for IdentityWorks^SM, visit www.experian.com/creditoneoffer. Experian IdentityWorks^SM is operated and managed by Experian Information Solutions, Inc. Credit One Bank is not responsible for the provision of or failure to provide the stated benefits and services. This service is subject to change without notice.

Pick Your Payment Due Date: After the initial billing period, you may call Customer Service and select a new payment due date that is at least 6 days before or after the original assigned date. It will not be effective until the new due date appears on your statement. Your Account must be current to use this feature. You may only change your due date once in a 6 month period.

More Cash Back Rewards Program (“More Program”): The More Program is separate from any other Credit One Bank rewards program. The More Program provides you with certain cash back rewards from participating merchants. See the Credit One Bank More Cash Back Rewards Program Supplement for details.

Zero Fraud Liability: You must notify the Bank immediately of any unauthorized use. For details go to: Visa Zero Liability.

STATE NOTICES:

Residents of California: A married person may apply for a separate Account. 

Residents of Maine and Vermont: A credit report may be obtained at any time for purposes associated with the Account such as reviewing, modifying, renewing, and collecting on your Account. Upon your request, you will be informed whether or not a credit report was ordered, and if it was, you will be given the name and address of the credit bureau that furnished the report.

Residents of New York: For more information call us at 1-800-796-5897. You may contact the New York State Department of Financial Services at 1-800-342-3736 or visit www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods. 

Residents of Ohio: Ohio laws against discrimination require that credit be equally available to all worthy persons and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 

Married Residents of Wisconsin: No provision of any marital property agreement, unilateral statement under Wisconsin Statutes 766.59, or court decree under Wisconsin Statutes 766.70, will adversely affect the interest of us unless, prior to the time the credit is granted, we are furnished with a copy of the agreement, statement or decree or have actual knowledge of the adverse obligation before the requested credit is granted. All obligations on this card Account will be incurred in the interest of your marriage or family. You understand that we may be required to give notice of this Account to your spouse. Within ten (10) days of submitting an application, married Wisconsin residents must furnish the name and address of their spouse by sending it to: Credit One Customer Service, P.O. Box 98871, Las Vegas, NV, 89193-8871.

OPTIONAL CREDIT PROTECTION PROGRAM (“PROGRAM”) DISCLOSURES:

This Product Is Optional: Your purchase of the Credit Protection Program (“Program”) is optional. Whether or not you purchase the Program will not affect your application for credit or the terms of any existing credit agreement you have with the Bank.

Explanation of the Program Agreement: If eligible, the Program will pay the Minimum Payment Due, as shown on your billing statement. The Credit Protection Program Agreement and Disclosure (“Agreement”) describes the specific circumstances under which the Minimum Payment Due may be paid for up to six (6) benefit payments if the primary cardholder becomes involuntarily unemployed or disabled. If your Account is covered by the Servicemembers Civil Relief Act when you initiate benefits, the payment will be equal to 5% of your ending statement balance each month, or $30.00 whichever is greater. In the event of the primary cardholder's death, the Account may be eligible for balance pay-off, up to $10,000.

Amount of Fee: The Program fee is based on your monthly billing statement New Balance, up to $10,000. The Program fee is billed in advance on a monthly basis for benefit coverage during the next billing cycle. The cost of Credit Protection is $0.96 (96 cents) for each $100, or part thereof, of the New Balance on your monthly billing statement.

Use of Card or Credit Line Restricted: During a benefit period, you may not use your Account for any purpose including purchases, cash advances, balance transfers or payments to third parties.

Termination of the Program: You have the right to cancel your enrollment in the Program at any time, for any reason. If you cancel after the first 30 day period, your cancellation will be effective at the end of the billing cycle in which the cancellation is received. Program fees assessed while you are in the Program will not be refunded. The Bank has the right to cancel the Program, without notice, at any time and for any reason including, but not limited to, the following circumstances: if your Account is 60 days past due, your Account is over limit by 20% or more, Credit One Bank no longer owns the Account, we determine or have a reasonable belief that you have committed fraud on the Account, or you are approved for participation in one of our debt management programs.

Eligibility Requirements, Conditions and Exclusions: There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under the Program. Any unemployment or disability existing at the time you initially enroll in the Program will not be covered. You may find a complete explanation of the eligibility requirements, conditions and exclusions in the Involuntary Unemployment, Disability, and Loss of Life paragraphs of the Agreement. You can review the complete document at https://www.creditonebank.com/credit-protection-agreement anytime.

Brief Summary of Additional Important Terms:

• Finance Charges will continue to accrue on unpaid balances while receiving benefits. 
• Benefits can be initiated for a qualifying Involuntary Unemployment or Disability event that occurs after the first 30 days of enrollment. 
• Benefits can be initiated any time after enrollment for Loss of Life. 
• During the benefit period, you may not use your Account for any purpose.

Certain Fees and Finance Charges Waived During Benefit Period: During a benefit period, the monthly Program fee and any late payment fee that may be incurred during the benefit period will be waived. Any annual fee due to be billed during the benefit period will be waived. Assessment of these fees (as applicable) will resume after the benefit period ends. During the benefit period, Periodic Finance Charges (interest) will continue to accrue on unpaid balances and will be posted to your Account in accordance with your credit card Card Agreement.

Receiving the Program Agreement: You will receive the Agreement to review before you are billed any fees. It contains complete details about the Program and should be reviewed carefully. Should you decide the Program is not for you, simply cancel your enrollment within 30 days of your purchase date and you will not be billed any Program fees.

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