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

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.

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

Did you upgrade your iCloud storage plan?