Credit Card Agreement for Bass Pro Shops CLUB Cards in Capital One N A

On the record for Credit Card Agreement for Bass Pro Shops CLUB Cards in Capital One N A: a purchase APR of 19.49%–30.49% and no annual fee, filed by Capital One. Against the 4,587 filings on this site, that rate lands around the 75th percentile.

What the agreement puts on the record

This page covers the agreement Capital One filed for Credit Card Agreement for Bass Pro Shops CLUB Cards in Capital One N A. The filing runs seven pages.

The filing is explicit about a purchase rate, a cash advance rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a balance transfer rate, a penalty rate and a foreign transaction fee.

Pricing the purchase rate

This is a tiered agreement: the filing discloses a purchase APR anywhere from 19.49% to 30.49%, a spread of 11 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

The floor of that band sits at about the 59th percentile of filed purchase rates; the ceiling sits at about the 75th. In corpus terms the same card can be cheap or expensive depending on how it is priced.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

The arithmetic of revolving

A $1,500 balance left untouched for twelve months accrues about $534 in interest at this purchase rate.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $369. The gap — roughly $166 a year on $1,500 — is the price of this particular filing over a typical one.

Month to month it reads as about $38.05 per cycle on that balance.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Where the fees are

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Cash advances carry a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 30.49%.

What a missed payment costs

$40 is the disclosed ceiling on a late payment fee, placing it near the 72nd percentile of the set.

The no-interest path

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing. That matches the 25-day median across the corpus almost exactly.

How it sits in the issuer's own range

20 separate Capital One filings appear in the corpus. Their disclosed purchase rates run from 19.49% to 30.49%, and this one at 30.49% is more expensive than 18 of them.

The limits of this document

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.

Where the authority sits

The filed PDF is linked from this page and runs seven pages. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

30.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.