As of 2015, the APR for the typical Capital One Visa ranges from 12.9 percent to 22.9 percent, according to the company's website. Where a cardholder's APR falls in that range depends on his credit score. Through the first billing period, there is an introductory APR of zero percent.
The card includes a $39 annual fee, and cardholders earn 1.5 percent cash back for every purchase they make. Additionally, they can receive bonuses of $100 when they spend $500 within the first three months of having the card. These rewards do not expire, and cardholders can redeem them at any time. Credit scores and market conditions influence interest rates, reports NerdWallet.