CardSleuth
← All issuers

Capital One, National Association

20 cardholder agreements · 4.3 MB · 53 surveyed cards

B
Fair Terms · grade B (76/100)
2 contract red flags across 20 filed docs · see how every issuer ranks →
Why this grade
  • Starting score100
  • Forced arbitration (opt-out available)-12
  • Class-action waiver-12
  • Fair Terms score76 · grade B

See the exact wording behind each below.

Proud of this grade? Embed the badge ↓
Preview:BFair Termsverified by CardSleuth
<script src="https://cards.techtonic.llc/widget.js" data-issuer="capital-one-national-association"></script>

Paste it anywhere on your site. The badge links back to this page — a real, crawlable link, not an image.

You can opt out of this issuer's forced arbitration

deadline ≈ 30 days

Capital One, National Association's agreement lets you reject arbitration and keep your right to sue — usually within 30 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:

“…ct 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 settlement offer made before an arbitrator was we receive from you a written notice of rejection within selected, then you will be entitled to the amount of the 30 days of your receipt of the Card after your Account award or $7,500, whichever is greater. If you are entitled to is opened. You must send the notice of rejection to: the $7,500, you will receive in addition any arbitration fees Capital One, P.O. Box 30022, Salt Lake City, UT 84130-0022. or attorneys fees and costs awarded by the arbitrator. Your rejection notice must include your name, address, Other Beneficiaries of…”
Credit Card Agreement for Discover ↗

Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →

Contract X-Ray — what's buried in the fine print

2 red flags · 20 filed docs

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.

Show the exact wording ↓
“…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…”
Credit Card Agreement for Discover ↗
Class-action waiver

You can't band together with other cardholders in a class action.

Show the exact wording ↓
“…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…”
Credit Card Agreement for Discover ↗
Arbitration opt-out

The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.

Show the exact wording ↓
“…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…”
Credit Card Agreement for Discover ↗

Checked & clear: Jury-trial waiver · Deferred interest · Change-anytime clause · Penalty APR

Priced card products

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