Credit Card Agreement for Pottery Barn Key Rewards Card in Capital One N A

Capital One's filed agreement for Credit Card Agreement for Pottery Barn Key Rewards Card in Capital One N A discloses a 29.24% 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

Credit Card Agreement for Pottery Barn Key Rewards Card in Capital One N A is one of the agreements Capital One has on file with the CFPB. The filing runs six pages, and It is issued on the Visa network.

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

The purchase rate in context

29.24% puts the purchase APR near the 70th percentile across 2,280 agreements, so it is dearer than the typical filing.

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

What a balance actually costs

A $5,000 balance left untouched for twelve months accrues about $1,697 in interest at this purchase rate.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $468 more annually for the identical balance.

Broken down to a single thirty-day cycle, the same balance accrues roughly $121.57.

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

What a missed payment costs

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

Where the fees are

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.

For cash advances the filing discloses a cash advance fee of $5 or 5% of the advance, whichever is greater and a cash advance APR of 29.24%.

Paying in full

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.

The issuer's other agreements

Capital One has 20 agreements indexed on this site. Across that lineup purchase rates span 19.49% to 30.49%; this filing's 29.24% sits above 12 of the comparable ones.

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

The limits of this document

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

The document itself

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

In short

At 29.24% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. The absence of an annual fee means the rate is the only thing that can make this card expensive.