Credit Card Agreement for BJs Mastercard Cards in Capital One N A

Capital One's filed agreement for Credit Card Agreement for BJs Mastercard Cards in Capital One N A discloses a 19.49% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 41st percentile.

What this filing discloses

Capital One filed this agreement for Credit Card Agreement for BJs Mastercard Cards in Capital One N A with the Consumer Financial Protection Bureau. The filing runs six pages, and It is issued on the Mastercard network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. It is silent on a penalty rate and a foreign transaction fee.

Where the purchase APR sits

The purchase APR of 19.49% places this agreement around the 41st percentile of the set — it sits close to the middle of the corpus.

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.

What the rate means in dollars

At the disclosed purchase APR, $3,000 revolving for a full year costs something like $645 in interest.

The corpus median purchase rate is 21.99%, which on the same $3,000 would cost about $738 a year. This filing saves roughly $92 annually against that benchmark.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Taking cash against the card means a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 28.49%. Cash is therefore 9 points dearer than buying something with the card. The two halves of that fee cross at about $100: below it the flat $5 applies, above it the percentage does.

The filing discloses a 19.49% balance transfer rate without an accompanying fee figure.

When a payment is late

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

Grace period and minimum charge

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.

What the filing does not tell you

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

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

How it sits in the issuer's own range

There are 20 filings from Capital One in this index. Across that lineup purchase rates span 26.49% to 30.49%; this filing's 19.49% sits above 0 of the comparable ones.

The document itself

The original filing, 6 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 19.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.