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Banking RegistryReal data. Clear answers.
Banking RegistryReal data. Clear answers.

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Capital One

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
26.49% variableCapital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
APR for balance transfersintroductory rate first10.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances28.74%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
Minimum interest charge$0.50—
How we calculate your balanceOther—
Annual fee$0Capital One, National Association · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Transaction fees
Cash advance$10 or 5% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$0, $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwiseConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Repeat late fee within six billing cycles$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
Returned Payment Fee$30, $30 for all occurrences.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Optional: Identity Theft Protection$15, $15/monthConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsApplicant must self-fund the account.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website