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Key features of your Capital One credit card

SUMMARY BOX

The information contained in this table summarises key product features and is not intended to replace any terms and conditions.

Representative Example

  • % APR representative variable
  • % p.a. variable on purchases
  • £ assumed credit limit
Interest Rates - Purchases
Introductory Rate Monthly Rate Annual Rate
N/A % %*
Interest Rates - Cash Withdrawals
Introductory Rate Monthly Rate Annual Rate
N/A % %*
Interest Rates - Balance transfers
Introductory Rate Monthly Rate Annual Rate
N/A % %*

Interest Free Period

* Maximum of days for purchases where the balance is paid in full every month
* 0 days for balance transfers and cash

Subject to any interest free period that may apply.

Interest Charging Information

No interest is payable on purchases if you pay in full the outstanding balance on your first statement by its payment due date. No interest is payable on purchases on subsequent statements if the outstanding balances on your current statement and the previous statement are paid in full by their respective payment due dates.
Otherwise the period over which interest is charged is as follows:

  From Until
Purchases Posted date Paid in full
Cash Withdrawals Posted date Paid in full
Balance Transfers Posted date Paid in full

Allocation of Payments

Unless you pay the outstanding balance in full, we will allocate your payments to balances which attract the highest interest rate first.

We will always allocate your payments to any amounts which have already appeared on a statement before allocating your payments to any amounts subsequently applied to your account.

Minimum repayment

The monthly credit card payment is:
- the full outstanding balance if it is less than £, but otherwise the greater of:

* An amount equal to the total of (i) % of the outstanding balance on your account; (ii) interest applied to your account in that month; (iii) all Default Sums incurred in that month; and (iv) one twelfth of your Annual Fee, or
£

Credit Limit
Minimum credit limit £
Maximum credit limit £

Fees

No annual fee

Charges
Balance transfer handling fee %
Cash fee % (minimum £3)
Copy statement charge £ (maximum £10 per request)
Foreign Usage
Payment Scheme Exchange Rate Rates can be found at:
Visa
MasterCard
One or more of the following may apply:
Non-sterling transaction fee %
Cash fee % (minimum £3)
Default Charges
Late and failure to pay default sum £
Returned payment default sum £
Overlimit default sum £
Returned credit card cheque default sum £

*The simple interest rate is % for balance transfers, % for purchases and % for cash withdrawals from the date of this agreement.