Detected in the CFPB-filed cardholder agreements from Capital One, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…tatute or local ordinance ( Claim ), either you or we Billing Cycle by the month in which its closing date occurs. may choose to resolve the Claim by binding arbitration, For example, a March Billing Cycle will have a closing as described below, instead of in court. Any Claim (except date in March. We may also refer t…”
You can't band together with other cardholders in a class action.
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“…ble attorneys fees and costs (if actually paid member under the federal Military Lending Act. by you). The arbitrator may also allocate compensation, CLASS ACTION WAIVER. ARBITRATION MUST BE expenses, and administrative fees (which include filing ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER and hearing fees) to any part…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…any respect on the merits of your Claim, issues you an award that (excluding 5 any arbitration fees or attorneys fees and costs awarded You have the right to reject arbitration for this Account. by the arbitrator) is greater than the value of Capital One s You may reject the arbitration agreement but only if last written…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.24%
Median27.24%
Highest offered27.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.99%
Median27.99%
Highest offered28.24%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee3% (min $3)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$19
Repeat late fee (6 mo)$19
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: Late fees are tiered based on balance owed. First late fee is $19.00 (less than $100 balance owed) or $27.00 ($100 or more balance owed). Late Fees Six Month Billing Cycle are $19.00 (less than $100 balance owed), $29.00 (balance owed between $100 and $10
Rewards, benefits and features
Rewards
None reported
Services
Access to Free Credit Scores
Discounts on purchases of goods and services (non travel related)
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: Requires membership in an AFL-CIO union or a family member of a member in an AFL-CIO union
Phone1-800-522-4000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
20 documents filed by Capital One, National Association in the 2026 Q1 archive.