Credit Card Agreement for T Mobile Visa® in Capital One N A

On the record for Credit Card Agreement for T Mobile Visa® in Capital One N A: a 28.49% purchase APR, no annual fee and a 18.49% introductory rate, filed by Capital One. That purchase rate ranks near the 68th percentile across this corpus of 4,587 filings.

What the document actually states

The document behind this page is Capital One's filed agreement for Credit Card Agreement for T Mobile Visa® in Capital One N A. It is issued on the Visa network and the filing runs seven pages.

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

Introductory pricing

An introductory rate of 18.49% appears without a disclosed duration.

Among the 763 filings here that disclose an introductory rate, 18.49% sits at about the 97th percentile.

Behind the promotion sits a 28.49% purchase rate. On $5,000 that is in the region of $1,647 a year once the window closes.

The purchase rate in context

Measured against every other filing on the site, 28.49% is about the 68th percentile for purchase APR; 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.

To be precise about which number this is: the filing identifies it as the rate that takes over after the introductory period, not the introductory rate.

The cost of carrying a balance

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,647.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $418 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $118.42.

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.

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.

Taking cash against the card means a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. 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.

The transfer fee is $3 or 3% of the amount transferred, whichever is greater; transferred balances then run at 28.49%. On $3,000 that fee is about $90 before any interest is charged.

The no-interest path

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 downside terms

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

Inside Capital One's filed lineup

Capital One has 20 agreements indexed on this site. Their disclosed purchase rates run from 19.49% to 30.49%, and this one at 28.49% is more expensive than 4 of them.

What you cannot learn from the filing

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

The original filing, 7 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 28.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.