How We Will Calculate Your Balance: We use a method called "daily balance." See your Account 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.
Comenity Capital Bank 1-855-617-8084 (Good Sam Rewards Visa Signature) or 1-855-603-5666 (Good Sam Rewards Visa) or 1-866-258-0115 (Good Sam Rewards Credit Card) (TDD/TTY 1-888-819-1918)
New York Residents: New York Residents may contact the New York state Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York Department of Financial Services 1 (800) 518-8866 or www.dfs.ny.gov.

Rate Information: The following chart provides details on your rate as of 04/02/2020. We divide the APR by 365 to determine the daily periodic rate.

If this Agreement was provided to you at point of sale, see the Agreement sent with your new account welcome package for variable APR information in effect within 30 days of mailing.

We'll charge you a minimum interest charge of $2.00 per credit plan for any billing period in which interest is due. For additional information, see Rates in Section D.

Minimum Payment for the Good Sam Rewards Visa and Visa Signature Credit Card: The Minimum Payment Due is the total of minimum payments for Regular Revolving and Promotional Credit Plan purchases plus any Past Due amounts. The total Minimum Payment Due on your account won't be less than $35.00. If your Account balance is less than $35.00, you must pay the amount indicated on your Statement in full. The Minimum Payment Due for each Regular Revolving and Cash Revolving Credit Plans will be:

• The greater of:
  • 1% of the New Balance, excluding any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement; or
    
  • $5.00.
• Plus any new Regular Revolving or Cash Revolving Credit Plan Interest Charges shown on the Statement rounded up to the nearest $1.00.

See Minimum Payment in Section C below for promotional credit plan minimum payment calculations.   

Minimum Payment for the Good Sam Rewards Credit Card: The amount you must pay each billing period ("Total Minimum Payment") is the total of minimum payments for Regular Revolving and promotional Credit Plans plus any Past Due amount. The Total Minimum Payment on your Account won't be less than $35.00. If your Account balance is less than $35.00, you must pay the amount indicated on your statement in full. The minimum payment due for each Regular Revolving Credit Plan will be the greater of:

    (a) $5.00; or

    (b) 3.5% of the New Balance shown on your statement for that Credit Plan (rounded up to the nearest $1.00).

See Minimum Payment in Section C below for promotional credit plan minimum payment calculations. 

The APR information described is accurate as of 04/02/2020. Due to a change in the index, this information may have changed. To find out more, call us at  1-855-617-8084 (Good Sam Rewards Visa Signature) or 1-855-603-5666 (Good Sam Rewards Visa) or 1-866-258-0115 (Good Sam Rewards Credit Card)  (TDD/TTY: 1-888-819-1918), or write us at Comenity Capital Bank, PO Box 183003, Columbus, OH 43218-3003.

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 or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

California Residents: If you are married, you may apply for a separate account. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NY, RI and VT Residents: We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. Wisconsin Residents: No provision of any marital property agreement, unilateral statement under Section 766.59 of the Wisconsin statutes or court order under Section 766.70 adversely affects the interest of the creditor, Comenity Capital Bank, unless the Bank, prior to the time credit is granted is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.

If you have been preapproved, see below for details of your offer.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 505, Woodlyn, PA 19094; Equifax, PO Box 740123, Atlanta, GA 30374; SageStream, LLC, PO Box 503793, San Diego, CA 92150; Innovis, PO Box 495, Pittsburgh, PA 15230-0495.

For New Accounts- Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account)

To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418;(TDD/TTY: 1-888-819-1918).

I am applying to Comenity Capital Bank for, and hereby request, a Good Sam Rewards Visa or Good Sam Rewards Visa Signature Credit Card for personal, family or household use. I hereby authorize Comenity Capital Bank to investigate my credit record. The information that I have supplied is true and correct. I agree that a credit report may be obtained for any lawful purpose, including in connection with the processing of an application, or subsequently with the update, renewal or extension of credit. Upon my request, I will be informed of whether or not a consumer credit report was ordered, and if it was, I will be given the name and address of the consumer-reporting agency that furnished the report. I agree to be bound by the terms of the Your Good Sam Rewards Visa or Good Sam Rewards Visa Signature Credit Card Agreement. I acknowledge that I will receive a Your Good Sam Rewards Visa or Good Sam Rewards Visa Signature Credit Card Agreement upon approval. I also acknowledge that there is no agreement between Comenity Capital Bank and me until Comenity Capital Bank approves my credit application and accepts the Your Good Sam Rewards Visa or Good Sam Rewards Visa Signature Credit Card Agreement at its office in Utah and that the Your Good Sam Rewards Visa or Good Sam Rewards Visa Signature Credit Card Agreement is deemed to be made in Utah. Cards are issued and credit is extended by Comenity Capital Bank, Salt Lake City, Utah.

PLEASE NOTE:

BY SUBMITTING THIS CREDIT APPLICATION, YOU ARE AGREEING TO THE FOLLOWING WITH RESPECT TO CERTAIN CONSUMER INFORMATION ABOUT YOU.

You hereby authorize Comenity Capital Bank ("us" or "we") to furnish our decision to issue an account to you to Good Sam Enterprises, LLC. You hereby authorize us to furnish, if your application is approved, information concerning your account to credit bureaus, other creditors and Good Sam Enterprises, LLC.

Check your information before submitting. We cannot process any submission without a complete and accurate name, address, date of birth and social security number. By submitting this Application you are acknowledging having read and understood the Important Rate, Fee and Other Cost Information and, if approved, agreeing to be bound by them.