Credit Card Agreement for Kohl's Credit Card in Capital One N A

Capital One's filed agreement for Credit Card Agreement for Kohl's Credit Card in Capital One N A discloses a 29.49% purchase APR and no annual fee. That purchase rate ranks near the 70th percentile across this corpus of 4,587 filings.

What the agreement puts on the record

Credit Card Agreement for Kohl's Credit Card in Capital One N A is one of the agreements Capital One has on file with the CFPB. The filing runs five pages.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum and a grace period. No figure appears for a cash advance rate, a balance transfer rate and a penalty rate.

Where the purchase APR sits

29.49% puts the purchase APR near the 70th percentile across 2,280 agreements, so it runs above the midpoint of the corpus.

The agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

What a balance actually costs

Carry $3,000 on this card for a year without paying it down and the purchase rate alone generates roughly $1,028 in interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $738. The gap — roughly $291 a year on $3,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $73.57.

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

Default pricing

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

The fee structure

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.

Grace period and minimum charge

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.

Against the rest of Capital One's filings

There are 20 filings from Capital One in this index. Across that lineup purchase rates span 19.49% to 30.49%; this filing's 29.49% sits above 16 of the comparable ones.

18 of the issuer's other 19 disclosing filings are likewise fee-free.

What is outside the disclosure

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

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

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

In short

29.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.