Credit Card Terms.pdf

+ APR for Purchases and Transfers: 30.74% (variable based on Prime Rate)
+ APR for Cash Advances: 30.74% (variable based on Prime Rate)
+ Penalty APR: 34.65% (variable based on Prime Rate, applied for late payments)
Paying Interest:
+ No interest on new purchases if previous balance is paid in full by due date
+ Interest on cash advances and transfers starts on transaction date
Fees:
+ Annual Fee: None
+ Transfer Fee: None
+ Cash Advance Fee: $3 or 3% of amount (whichever is greater)
+ Late Payment Fee: Up to $39
Calculating Balance and Interest:
+ Average daily balance method used
+ Daily periodic rates: 0.08422% (Purchase APR), 0.08422% (Transfer APR), 0.08422% (Cash Advance APR), 0.09493% (Penalty APR)
Rewards Program:
+ Earn 5% cash back on hotels and rental cars booked through Capital One Travel
+ Earn 1% cash back on all other purchases
+ No expiration date for rewards
+ No limit to amount of rewards that can be earned
+ Redemption options: statement credit, check, or credits for previous purchases and gift cards
* Account Terms:
+ Credit line determined by application review and ability to pay (minimum $300)
+ Variable rates may change with Prime Rate changes
+ APRs may be increased for late payments or market condition changes
+ Account terms (other than APRs) may be changed at any time with written notice