Interest Rates and Charges

The Interest Rates and Charges filing from Capital Card Services sets out a 29.9% purchase APR and a $350 annual fee. Against the 4,587 filings on this site, that rate lands around the 72nd percentile.

What the document actually states

Capital Card Services submitted the terms for Interest Rates and Charges to the CFPB's agreement database; this is what they contain. The filing runs five pages.

Terms captured from the document include a purchase rate, a cash advance rate, an annual fee line and a grace period. It is silent on a balance transfer rate, a penalty rate and a late payment maximum.

How the purchase rate compares

Ranked against the corpus, this purchase APR — 29.9% — sits at approximately the 72nd percentile and comes in above the median.

The cost of carrying a balance

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,742.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $1,229. The gap — roughly $512 a year on $5,000 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $124.35 on $5,000, which is the number that actually shows up on a bill.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

$350 a year is the disclosed annual fee, which ranks near the 98th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $350 fee equals about a year's interest on a $1,171 balance at the disclosed 29.9% purchase rate.

Taking cash against the card means a cash advance fee of 2% and a cash advance APR of 29.9%.

The no-interest path

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

The filing sets the minimum interest charge at zero — small balances are not rounded up to a floor.

What the filing does not tell you

This page cannot tell you balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

The document itself

This summary stands or falls on the linked PDF — five pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

29.9% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $350 annual fee, which is unavoidable once the account is open.