Credit Card Agreement for Williams Sonoma Key Rewards Card in Capital One N A

On the record for Credit Card Agreement for Williams Sonoma Key Rewards Card in Capital One N A: a 29.24% purchase APR and no annual fee, filed by Capital One. The purchase rate sits at roughly the 70th percentile of the 4,587 agreements indexed here.

What this filing discloses

This page covers the agreement Capital One filed for Credit Card Agreement for Williams Sonoma Key Rewards Card in Capital One N A. It is issued on the Visa network and the filing runs six 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. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

The purchase APR against the corpus

The purchase APR of 29.24% places this agreement around the 70th percentile of the set — it runs above the midpoint of the corpus.

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.

The cost of carrying a balance

The purchase rate turns a $4,000 revolving balance into roughly $1,358 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $374 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $97.26.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

What a missed payment costs

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

Charges beyond interest

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 29.24%. The two halves of that fee cross at about $100: below it the flat $5 applies, above it the percentage does.

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.

The issuer's other agreements

There are 20 filings from Capital One in this index. Their disclosed purchase rates run from 19.49% to 30.49%, and this one at 29.24% is more expensive than 12 of them.

On fees, 18 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

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.

Where the authority sits

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

In short

29.24% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. The absence of an annual fee means the rate is the only thing that can make this card expensive.