Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
← All issuers
Capital One, National Association
20 cardholder agreements · 4.3 MB · 53 surveyed cards
Priced card products
Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
Purchase APR
29.99–30.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $907.20
Purchase APR
17.74–27.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $809.70
Purchase APR
16.49–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 6 mo0% transfers · 18 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
17.49–27.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $802.20
Purchase APR
16.74–27.24%
Annual fee
None
Foreign fee
None
0% purchases · 6 mo
Top-25 issuerNo score620–719Cashback
Carrying $3k for a year ≈ $727.20
Purchase APR
16.49–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 6 mo
Top-25 issuerNo score620–719Cashback
Carrying $3k for a year ≈ $727.20
Purchase APR
16.74–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $772.20
Purchase APR
26.74–27.24%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $817.20
Purchase APR
18.99–29.24%
Annual fee
$395
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,152.20 incl. $395 fee
Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
Purchase APR
17.99–26.99%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $809.70
Purchase APR
17.99–26.99%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $809.70
Purchase APR
17.99–27.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $809.70
Purchase APR
17.99–28.99%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $749.70
Purchase APR
19.74–31.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $689.70
Purchase APR
19.74–31.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $689.70
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuerNo score≤619
Carrying $3k for a year ≈ $892.20
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $892.20
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719Travel-related
Carrying $3k for a year ≈ $884.70
Purchase APR
18.74–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $757.20
Purchase APR
18.99–29.24%
Annual fee
$395
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,152.20 incl. $395 fee
Purchase APR
19.24–29.24%
Annual fee
$95
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $852.20 incl. $95 fee
Purchase APR
28.99–29.74%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $877.20
Purchase APR
18.74–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
29.49–29.74%
Annual fee
$39
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $923.70 incl. $39 fee
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719Cashback
Carrying $3k for a year ≈ $892.20
Purchase APR
18.74–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
27.49–28.24%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $839.70
Purchase APR
18.74–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $757.20
Purchase APR
28.99–29.74%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo
Top-25 issuer≤619620–719Cashback
Carrying $3k for a year ≈ $877.20
Purchase APR
29.49–29.74%
Annual fee
$39
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $931.20 incl. $39 fee
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer620–719Cashback
Carrying $3k for a year ≈ $892.20
Purchase APR
18.74–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $757.20
48
Purchase APR
25.99–29.74%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $884.70
Purchase APR
29.49–29.74%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619
Carrying $3k for a year ≈ $892.20
Purchase APR
29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $877.20
Purchase APR
29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $877.20
Purchase APR
29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $877.20
Purchase APR
29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $877.20
Purchase APR
20.90–25.15%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+
Carrying $3k for a year ≈ $634.50
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $824.70
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo0% transfers · 9 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $817.20
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $824.70
Purchase APR
16.90–26.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $694.50
Purchase APR
14.90–25.15%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+
Carrying $3k for a year ≈ $634.50
Purchase APR
20.90–25.15%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+
Carrying $3k for a year ≈ $634.50
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
0% purchases · 9 mo0% transfers · 9 mo
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $824.70
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $817.20
Purchase APR
27.24–27.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $824.70
Purchase APR
16.99–28.99%
Annual fee
None
Foreign fee
None
0% purchases · 12 mo0% transfers · 12 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $809.70
Purchase APR
14.90–27.49%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+
Carrying $3k for a year ≈ $747
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.
Credit Card Agreement for Consumer No Preset Spending Limit Cards in Capital One, N.A.226 KBCredit Card Agreement for Discover228 KBCredit Card Agreement for T-Mobile Visa® in Capital One N.A.216 KBCredit-Card-Agreement-for-Bass-Pro-Shops-CLUB-Cards-in-Capital-One-N.A.251 KBCredit-Card-Agreement-for-BJs-Mastercard-Cards-in-Capital-One-N.A.220 KBCredit-Card-Agreement-for-Cabelas-CLUB-Cards-in-Capital-One-N.A.294 KBCredit-Card-Agreement-for-Consumer-Cards-in-Capital-One-N.A.207 KBCredit-Card-Agreement-for-Consumer-Secured-Cards-in-Capital-One-N.A.253 KBCredit-Card-Agreement-for-Key-Rewards-Card-in-Capital-One-N.A.207 KBCredit-Card-Agreement-for-Kohl's-Credit-Card-in-Capital-One-N.A201 KBCredit-Card-Agreement-for-Kohl's-Rewards-VISA-in-Capital-One-N.A211 KBCredit-Card-Agreement-for-Menards-BIG-Cards-in-Capital-One-N.A.204 KBCredit-Card-Agreement-for-NeimanMarcus-BergdorfGoodman-Cards-in-Capital-One-N.A.200 KBCredit-Card-Agreement-for-Pottery-Barn-Key-Rewards-Card-in-Capital-One-N.A.207 KBCredit-Card-Agreement-for-REI-Co-op-Mastercard-Card-in-Capital-One-N.A.208 KBCredit-Card-Agreement-for-Teamster-Privilege-Cards-in-Capital-One-N.A.209 KBCredit-Card-Agreement-for-Union-Plus-Cards-in-Capital-One-N.A.209 KBCredit-Card-Agreement-for-VISA-Signature-and-World-MasterCard-Cards-in-Capital-One-N.A.219 KBCredit-Card-Agreement-for-West-Elm-Key-Rewards-Card-in-Capital-One-N.A.207 KBCredit-Card-Agreement-for-Williams-Sonoma-Key-Rewards-Card-in-Capital-One-N.A.207 KB