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It details APR ranges for purchases, balance transfers, and cash advances, including introductory and non-introductory terms, variable-rate calculations tied to the Prime Rate, interest-billing rules, due dates, and fees such as annual, transaction, and late-payment charges. 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The Pricing Information shows a range of terms that includes both mail and online offers for new accounts available under this Agreement as of December 31, 2022. The combination of terms that could apply to you will differ depending on the specific card offer and on your creditworthiness at the time of application. Not all offers will contain introductory rates. The Customer Agreement contains important information related to consumer credit cards issued by Capital One, N.A. Please [visit www.capitalone.com to view our online credit card](visit www.capitalone.com to view our online credit card) offers. If you are a current Capital One cardholder, please log in to your account if you would like to request the Credit Card Agreement for your account(s) .  \n\n| CAPITAL ONE PRICING INFORMATION |  |\n| --- | --- |\n| Annual Percentage Rate (APR) for Purchases | Introductory rate of 0%, ranging from 9 months to 18 months.\u003Cbr>Non-introductory rates between 25.74% and 29.74% .\u003Cbr>This APR will vary with the market based on the Prime Rate. |\n| APR for Transfers | Non-introductory rates between 25.74% and 29.74% .\u003Cbr>This APR will vary with the market based on the Prime Rate. |\n| APR for Cash Advances | Non-introductory rates between 25.74% and 29.74% .\u003Cbr>This APR will vary with the market based on the Prime Rate. |\n| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases, provided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash advances and transfers on the transaction date. |\n| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at [http://www.consumerfinance.gov/learnmore](http://www.consumerfinance.gov/learnmore). |\n\n\n| Annual Fee | Between $0 and $39 annually. |\n| --- | --- |\n| Transaction Fees\u003Cbr>• Transfer\u003Cbr>• Cash Advance | 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.\u003Cbr>None for balances transferred at the Transfer APR.\u003Cbr>Either $10 or 3% of the amount of each cash advance, whichever is greater. |\n| Penalty Fees\u003Cbr>• Late Payment | Up to $40 . |\n\nHow Do You Calculate My Balance? We use a method called “average daily balance (including new transactions) .” See “How Do You Calculate The Interest Charge?” section below.  \nWhat Are My Billing Rights? Information on your rights to dispute transactions and how to exercise those rights is provided in “Your Billing Summary” on your Statement and other Truth-in-Lending Disclosures.  \nTHINGS YOU SHOULD KNOW ABOUT THIS CARD  \nHow Do You Calculate My Variable Rates? Your variable rates may change when the Prime Rate changes. We calculate variable rates by adding a percentage to the Prime Rate published in The Wall Street Journal on the 25th day of December, March, June and September. If the Journal is not published on that day, then see the immediately preceding edition. Variable rates on the following segment(s) will be updated quarterly and will take effect on the first day of your January, April, July and October billing periods: Non-Introductory Purchase APR: Prime plus a margin between 18.24% and 22.24%; Non-Introductory Transfer APR: Prime plus a margin between 18.24% and 22.24%; Cash Advance APR: Prime plus a margin between 18.24% and 22.24% . Any increase in the Prime rate may increase your Interest Charges and your Minimum Payment.  \nWhat Are The Daily Periodic Rates Used To Calculate My Interest? The daily periodic rate for your Introductory Purchase APR is 0.00000%, Non-introductory Purchase APR is between 0.07052% and 0.0","cbCaipWiFQHdbuqb","https://ap.wps.com/l/cbCaipWiFQHdbuqb","pdf",256655,8,"English","# Capital One Pricing Information\n## APRs for purchases, transfers, and cash advances\n## Paying interest and billing rights\n## How variable rates are calculated\n## How balance and interest charges are calculated\n# Capital One Customer Agreement\n## Account opening and agreement scope\n## Definitions","[{\"question\":\"What are the two parts of this Credit Card Agreement?\",\"answer\":\"It includes Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information describes applicable terms for new accounts, while the Customer Agreement contains important consumer credit card terms.\"},{\"question\":\"How does Capital One calculate interest charges?\",\"answer\":\"It uses the Average Daily Balance method (including new transactions). Daily balances are computed per segment, then averaged over the billing cycle, and interest charge is calculated using the applicable daily periodic rate.\"},{\"question\":\"What fees and interest rules are covered in the agreement?\",\"answer\":\"It covers annual fees, transaction fees for transfers and cash advances, and penalty fees such as late payments. It also explains interest timing, including no interest on new purchases if the previous balance is paid in full by the due date, and interest starting on transaction dates for cash advances and transfers.\"}]","Credit Card Agreement for Consumer Cards in Capital One, N.A. - Pricing and Customer Terms | PDF",1790270532]