Credit Card Agreement for Menards BIG Cards in Capital One N A

On the record for Credit Card Agreement for Menards BIG Cards in Capital One N A: a 28.99% purchase APR and no annual fee, filed by Capital One. Against the 4,587 filings on this site, that rate lands around the 69th percentile.

What the document actually states

This page covers the agreement Capital One filed for Credit Card Agreement for Menards BIG Cards in Capital One N A. The filing runs five pages.

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

Pricing the purchase rate

Measured against every other filing on the site, 28.99% is about the 69th percentile for purchase APR; it sits in the more expensive half.

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 the rate means in dollars

Put $4,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,345.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $361 a year on $4,000 — is the price of this particular filing over a typical one.

Broken down to a single thirty-day cycle, the same balance accrues roughly $96.42.

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

Grace period and minimum charge

25 days is the disclosed grace period for purchases — the interval in which paying in full costs nothing.

The downside terms

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

The fee structure

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.

The issuer's other agreements

This is one of 20 Capital One agreements collected here. The issuer's own range is 19.49%–30.49%. At 28.99%, this agreement is dearer than 7 of its siblings.

On fees, 18 of the 19 sibling filings that disclose an annual fee also set it at zero — this one is among them.

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.

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.

Where the authority sits

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

In short

At 28.99% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.