Credit approval required for all products

Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 12.9%, 18.9%, or 22.74% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 12 months that your account has been open.

Rate Advantage Purchase and Transfer APR: 0% intro rate for the first 15 months from account opening date; 10.9%, 16.9%, or 20.9% variable thereafter, based on your creditworthiness. Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 15 months that your account is open, or at a promotional APR that we may offer you at any other time. None for Transfers at the Purchase APR after the first 15 months that your account has been open.

Primary Access Purchase APR: 23.24% variable APR. Transfer APR: 23.24% variable. Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.

Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR: 23.99% variable. Variable APRs will vary with the market, based on the Prime Rate APRs. Cash Advance Fee: greater of 4% of each cash advance amount or $10.

1Email survey of Union Plus Credit Cardholders conducted in February 2020 by Union Plus. 6,380 responders; 5,799 answered Yes when asked, Would you recommend the Union Plus Credit Card Program?

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

A Cardmember may only receive a grant if their Union Plus Credit Card Account was in good standing at time the loss event occurred.

A Cardmember may only receive one grant of each grant type for each Union Plus Credit Card Account.

A Cardmember may only receive one grant of each grant type for any unique loss event, even across multiple accounts.

A Cardmember may only apply for loss events that occurred at least 3 months after becoming a Cardmember.

Additional information about these hardship assistance grants and eligibility criteria can be obtained at UnionPlus.org/Assistance or by calling Union Privilege at 202-293-5330. Cardmembers will receive full details when they receive their card. Certain administrative responsibilities for the Plan have been delegated to Union Privilege. Union Privilege is the non-profit organization established to create and oversee member benefit programs for working families. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard or Capital One, N.A.

3Certain terms, conditions, and exclusions apply. Contact 1-800-622-7747 for complete coverage terms and conditions.

All trademarks or trade names are properties of their respective owner. The Union Plus Credit Cards are issued by Capital One, N.A. Mailing address: Card Services, 2012 Corporate Lane, Suite 108, Naperville, IL 60563.

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