Credit Card Agreement for NeimanMarcus BergdorfGoodman Cards in Capital One N A

Credit Card Agreement for NeimanMarcus BergdorfGoodman Cards in Capital One N A, as filed by Capital One, carries a 28.99% purchase APR and no annual fee. The purchase rate sits at roughly the 69th percentile of the 4,587 agreements indexed here.

The disclosed terms

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

On the record here: 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.

The purchase rate in context

28.99% puts the purchase APR near the 69th percentile across 2,280 agreements, so it comes in above the median.

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.

The cost of carrying a balance

A $3,000 balance left untouched for twelve months accrues about $1,008 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $271 a year of extra interest on the same $3,000.

Broken down to a single thirty-day cycle, the same balance accrues roughly $72.31.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

The fee structure

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.

Default pricing

The maximum late fee is $40 — roughly the 72nd percentile of the late fee ceilings disclosed across this index.

Paying in full

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

Against the rest of Capital One's filings

This is one of 20 Capital One agreements collected here. Across that lineup purchase rates span 19.49% to 30.49%; this filing's 28.99% sits above 7 of the comparable ones.

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

What the filing does not tell you

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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

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

The pricing here is middling by the standards of the index — 28.99% on purchases is near enough to typical.