Each card in the Capital One portfolio has its own unique fees. For example, you may find two cards that both charge an annual fee, but the fee amounts are different. Be sure to look at the rates and disclosures documentation before officially applying for any credit card so you know what fees are charged by the card. But, in the meantime, here is a list of common credit card fees: Annual fee: This is a charge that is posted to your account automatically on or around your account anniversary. It is most commonly found on subprime credit cards and on cards that offer high rewards rates. Balance transfer fee: Without 0% intro APR balance transfer offers, you can expect to pay no balance transfer fees at the transfer APR. Foreign transaction fee: Some cards will charge a foreign transaction fee if you conduct a transaction in a foreign currency. This fee typically equals a percentage of the transaction total and covers the cost of converting the currency. Late payment fee: Just about every credit card will charge a late payment fee if you submit your payment after the due date. Some cards may also impose a penalty APR that increases your interest rate after a late payment. Cash advance fee: This fee occurs when you withdraw cash from your card account at an ATM machine or bank teller’s window like you would with a debit card — also known as a cash advance. The fee is typically a set amount that varies by card type. A cash advance also has a higher interest rate than a regular purchase and no grace period — which means you start accruing interest charges as soon as you have cash in hand. Returned payment fee: If you submit a payment that isn’t approved by your bank — often because of insufficient funds in your checking account — you can expect this fee.