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

Capital One's filed agreement for Credit Card Agreement for Kohl's Rewards VISA in Capital One N A discloses a 29.49% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 70th percentile.

What the agreement puts on the record

This page covers the agreement Capital One filed for Credit Card Agreement for Kohl's Rewards VISA in Capital One N A. It is issued on the Visa network and the filing runs six pages.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. No figure appears for a penalty rate and a foreign transaction fee.

How the purchase rate compares

Measured against every other filing on the site, 29.49% is about the 70th percentile for purchase APR; it sits in the more expensive half.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

Translating the rate into money

The purchase rate turns a $5,000 revolving balance into roughly $1,714 of annual interest.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $485 more per year.

Broken down to a single thirty-day cycle, the same balance accrues roughly $122.62.

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

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

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 29.49%. Advances under roughly $100 are charged the flat $5; larger ones are charged 5%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

The filing discloses a 29.49% balance transfer rate without an accompanying fee figure.

The no-interest path

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

Default pricing

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

Against the rest of Capital One's filings

20 separate Capital One filings appear in the corpus. The issuer's own range is 19.49%–30.49%. At 29.49%, this agreement is dearer than 16 of its siblings.

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

The limits of this document

Absent from the captured terms: a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Reading the agreement yourself

Everything here is a reading of the filed agreement, six pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

29.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.