OpenSky Gold Card TC

On the record for OpenSky Gold Card TC 207: a 29.24% purchase APR and a $59 annual fee, filed by Capital Bank. That purchase rate ranks near the 70th percentile across this corpus of 4,587 filings.

On the face of the filing

OpenSky Gold Card TC 207 is one of the agreements Capital Bank has on file with the CFPB. The filing runs three pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a foreign transaction fee. No figure appears for a balance transfer rate and a penalty rate.

The purchase APR against the corpus

29.24% puts the purchase APR near the 70th percentile across 2,280 agreements, so it comes in above the median.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $679 in interest.

Against the corpus median of 21.99%, that is approximately $187 a year of extra interest on the same $2,000.

There is also a floor: the filing sets a minimum interest charge of $1, so any cycle that accrues less than that is billed at $1 anyway.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Fees, and what triggers them

$59 a year is the disclosed annual fee, which ranks near the 89th percentile of the fees filed across this corpus.

For scale, $59 is approximately what $202 of revolving balance would cost in interest over twelve months at this card's 29.24% rate.

For cash advances the filing discloses a cash advance fee of $10 or 3% of the advance, whichever is greater and a cash advance APR of 29.24%.

The filing sets a 3% foreign transaction fee, which adds roughly $60 to $2,000 spent outside the United States.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

What a missed payment costs

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. That matches the 25-day median across the corpus almost exactly.

The $1 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

Inside Capital Bank's filed lineup

16 separate Capital Bank filings appear in the corpus. Across that lineup purchase rates span 23.89% to 29.99%; this filing's 29.24% sits above 10 of the comparable ones.

What the filing does not tell you

This page cannot tell you balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

The filed PDF is linked from this page and runs three pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 29.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Against that sits the $59 annual fee, which is unavoidable once the account is open.