Capital One credit card terms
Top-25 issuer · 53 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Capital One reported a surveyed purchase APR of 14.9% – 31.24% (median 27.24%) to the CFPB Terms of Credit Card Plans survey, across 53 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $39 – $395. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Capital One surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 14.9% – 31.24% |
| Median purchase APR | 27.24% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | 10.99% |
| Cash-advance APR (max) | 31.24% |
| Annual fee | $39 – $395 |
| Late fee (median) | $29 |
| Secured card offered | Yes |
| Products surveyed | 53 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Capital One did not report that field in the survey.
Capital One purchase APR by credit tier
Median purchase APR Capital One reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 29.24% |
| Good credit (620-719) | 26.99% |
| Great credit (720+) | 24.49% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Capital One compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Capital One's median of 27.24% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Capital One (this issuer) | 14.9% – 31.24% | 27.24% | $39 – $395 |
| JPMorgan Chase Bank | 16.74% – 28.24% | 27.49% | $49 – $795 |
| First National Bank Of Omaha | 15.49% – 32.99% | 26.37% | $30 – $249 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
| Wells Fargo Bank | 15.99% – 28.49% | 28.49% | $95 – $99 |
| TD Bank USA | 28.45% – 28.95% | 28.7% | — |
JPMorgan Chase Bank · First National Bank Of Omaha · PNC Bank · Fifth Third Bank · Wells Fargo Bank · TD Bank USA
Frequently asked questions
What is Capital One's credit card APR?
Capital One reported a purchase APR of 14.9% – 31.24% to the CFPB Terms of Credit Card Plans survey (median 27.24%), across 53 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Capital One charge an annual fee?
Capital One's surveyed cards carry an annual fee of $39 – $395. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Capital One a good choice for a low APR?
Capital One is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by Capital One (Capital One, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29