Credit Card Agreement for Consumer Cards in Capital One N A

Capital One's filed agreement for Credit Card Agreement for Consumer Cards in Capital One N A discloses a 28.99% purchase APR, no annual fee and a nine-month 0% opening period. The purchase rate sits at roughly the 69th percentile of the 4,587 agreements indexed here.

The disclosed terms

Credit Card Agreement for Consumer Cards in Capital One N A is one of the agreements Capital One has on file with the CFPB. The filing runs seven pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. It is silent on a balance transfer rate, a penalty rate and a foreign transaction fee.

The interest-free window

The filing discloses a 0% introductory rate running nine months. For that window, balances covered by the promotion accrue no interest at all.

Zero-percent openings appear in roughly 458 of the filings on this site, which puts this agreement in a sizeable minority rather than a class of its own.

What matters more than the promotion is the rate waiting behind it: 28.99%. A $5,000 balance that survives the promotional window costs roughly $1,681 a year from that point on.

Valued honestly, nine months at zero on $5,000 avoids about $1,261 of interest compared with the go-to rate — the whole of what the promotion delivers.

Where the purchase APR sits

Measured against every other filing on the site, 28.99% is about the 69th percentile for purchase APR; it is dearer than the typical filing.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

This figure is the post-promotional rate. The introductory pricing is handled separately further down.

What a balance actually costs

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,345 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $361 a year on $4,000 — is the price of this particular filing over a typical one.

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.

Default pricing

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Charges beyond interest

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 28.99%. Advances under roughly $100 are charged the flat $5; larger ones are charged 5%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Against the rest of Capital One's filings

This is one of 20 Capital One agreements collected here. The issuer's own range is 19.49%–30.49%. At 28.99%, this agreement is dearer than 7 of its siblings.

What the filing does not tell you

This page cannot tell you balance transfer terms, a foreign transaction fee 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 seven pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 28.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.