What are the .99 charges for on our Capital One card each month? Please explain.

Look in your purchase history, and your ongoing subscriptions.

See here: See your purchase history for the App Store or iTunes Store - Apple Support

here: See or cancel your subscriptions - Apple Support

and here: Downgrade on iCloud storage - Apple Community

That is the monthly fee for 50 GB of iCloud storage. If you don’t need the space, you can downgrade to the free 5 GB level.

Did you upgrade your iCloud storage plan?