CFPB TCCP survey · December 31, 2025
Capital One, National Association credit card rates & fees
Capital One, National Association reported 53 credit card plans to the CFPB. Their median purchase APR is 27.24%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the Teamsters Rate Advantage - Internet (14.90%). 48 of 53 plans have no annual fee.
Bank Capital One, National Association financial health scorecard 66 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Teamsters Rate Advantage - Internet | 14.90% – 25.15% | 20.9% / 25.1% / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Union Plus Rate Advantage - Internet | 14.90% – 27.49% | 20.9% / 25.1% / 27.5% | 28.24% | $0 | $19 | 0.0% | 25 d |
| Discover it® Chrome Gas & Restaurant Credit CardCashback rewards; Other rewards | 16.49% – 29.24% | 24.7% / 26.7% / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| Discover It® Student Cash BackCashback rewards; Other rewards | 16.49% – 29.24% | 17.2% / 23.7% / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| Discover it® Cash Back Credit CardCashback rewards; Other rewards | 16.74% – 29.24% | 24.7% / 26.7% / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| Discover It® Student ChromeCashback rewards; Other rewards | 16.74% – 27.24% | 17.2% / 24.0% / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| Teamsters Cash RewardsCashback rewards | 16.90% – 26.99% | 22.9% / 27.0% / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Union Plus Cash RewardsCashback rewards | 16.99% – 28.99% | 24.9% / 27.2% / 29.0% | 28.24% | $0 | $19 | 0.0% | 25 d |
| Discover It® MilesTravel-related rewards; Other rewards | 17.49% – 27.24% | 25.2% / 27.0% / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| NHL® Discover It® Credit CardCashback rewards; Other rewards | 17.74% – 27.24% | 24.7% / 27.0% / – | 28.99% | $0 | $0 | 0.0% | 25 d |
| Discover it® Cash Back Credit Card by Capital OneCashback rewards; Other rewards | 17.99% – 27.24% | 27.0% / 27.0% / 27.0% | 28.99% | $0 | $0 | 0.0% | 25 d |
| Discover it® Chrome Gas & Restaurant Credit Card by Capital OneCashback rewards; Other rewards | 17.99% – 26.99% | 23.0% / 27.0% / 27.0% | 28.99% | $0 | $0 | 0.0% | 25 d |
| Discover It® Miles by Capital OneTravel-related rewards; Other rewards | 17.99% – 26.99% | 23.0% / 27.0% / 27.0% | 28.99% | $0 | $0 | 0.0% | 25 d |
| REI Co-op MastercardOther rewards | 17.99% – 28.99% | 24.5% / 29.0% / 29.0% | 28.99% | $0 | $29 | 0.0% | 25 d |
| Quicksilver Rewards for StudentsCashback rewards | 18.74% – 29.24% | 25.0% / 25.2% / 29.0% | 29.24% | $0 | $29 | 0.0% | 25 d |
| Quicksilver Rewards (ranged APR offering)Cashback rewards | 18.74% – 29.24% | 25.2% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| Savor RewardsCashback rewards | 18.74% – 29.24% | 25.2% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| Savor Rewards for StudentsCashback rewards | 18.74% – 29.24% | 19.2% / 25.2% / 29.0% | 29.24% | $0 | $29 | 0.0% | 25 d |
| VentureOne RewardsTravel-related rewards | 18.74% – 29.24% | 25.2% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| BJ's One + MastercardOther rewards | 18.99% – 29.24% | 20.0% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| BJ's One MastercardOther rewards | 18.99% – 29.24% | 20.0% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| T-Mobile VisaOther rewards | 18.99% – 29.24% | 19.0% / 29.0% / 29.0% | 28.99% | $0 | $29 | 0.0% | 25 d |
| Venture X RewardsTravel-related rewards | 18.99% – 29.24% | 25.2% / 29.2% / 29.2% | 29.24% | $395 | $29 | 0.0% | 25 d |
| Venture X Rewards (NPSL)Travel-related rewards | 18.99% – 29.24% | 25.2% / 29.2% / 29.2% | 0.00% | $395 | $29 | 0.0% | 25 d |
| Venture RewardsTravel-related rewards | 19.24% – 29.24% | 25.2% / 29.2% / 29.2% | 29.24% | $95 | $29 | 0.0% | 25 d |
| Bass Pro Shop's CLUB CardOther rewards | 19.74% – 31.24% | 20.0% / 31.0% / 31.0% | 30.99% | $0 | $29 | 0.0% | 25 d |
| Cabela's CLUB CardOther rewards | 19.74% – 31.24% | 20.0% / 31.0% / 31.0% | 30.99% | $0 | $29 | 0.0% | 25 d |
| Teamsters Direct Mail - Upmarket | 20.90% – 25.15% | 21.1% / 24.9% / 24.9% | 28.24% | $0 | $19 | 0.0% | 25 d |
| Union Plus Direct Mail - Upmarket | 20.90% – 25.15% | 21.1% / 24.9% / 24.9% | 27.99% | $0 | $19 | 0.0% | 25 d |
| Platinum Mastercard (targeted offering via pre-screen direct mail) | 25.99% – 29.74% | – / – / – | 29.49% | $0 | $29 | 0.0% | 25 d |
| Discover It® Secured Credit CardsecuredCashback rewards; Other rewards | 26.74% – 27.24% | – / – / – | 29.24% | $0 | $0 | 0.0% | 25 d |
| Teamsters Direct Mail - Mainstreet (Non-Teaser) | 27.24% – 27.49% | – / – / – | 27.99% | $0 | $19 | 0.0% | 25 d |
| Teamsters Direct Mail - Mainstreet (Teaser) | 27.24% – 27.49% | – / – / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Teamsters Primary Access - Internet | 27.24% – 27.49% | – / – / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Union Plus Direct Mail - Mainstreet (Non-Teaser) | 27.24% – 27.49% | – / – / – | 27.99% | $0 | $19 | 0.0% | 25 d |
| Union Plus Direct Mail - Mainstreet (Teaser) | 27.24% – 27.49% | – / – / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Union Plus Primary Access - Internet | 27.24% – 27.49% | – / – / – | 28.24% | $0 | $19 | 0.0% | 25 d |
| Quicksilver Rewards (non-ranged APR offering)Cashback rewards | 27.49% – 28.24% | – / – / – | 27.99% | $0 | $29 | 0.0% | 25 d |
| Quicksilver Rewards (targeted offering for existing customers - PMC)Cashback rewards | 28.99% – 29.74% | 29.2% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| Savor Rewards (targeted offering for existing customers - PMC)Cashback rewards | 28.99% – 29.74% | 29.2% / 29.2% / 29.2% | 29.24% | $0 | $29 | 0.0% | 25 d |
| Pottery Barn Key Rewards VisaOther rewards | 29.24% | – / – / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| The Key Rewards VisaOther rewards | 29.24% | – / – / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| West Elm Key Rewards VisaOther rewards | 29.24% | – / – / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| Williams Sonoma Key Rewards VisaOther rewards | 29.24% | – / – / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| Platinum Mastercard | 29.49% – 29.74% | – / – / – | 29.74% | $0 | $29 | 0.0% | 25 d |
| Platinum Securedsecured | 29.49% – 29.74% | – / – / – | 29.74% | $0 | $29 | 0.0% | 25 d |
| QuicksilverOne RewardsCashback rewards | 29.49% – 29.74% | – / – / – | 29.74% | $39 | $29 | 0.0% | 25 d |
| Quicksilver Rewards for Good CreditCashback rewards | 29.49% – 29.74% | – / – / – | 29.74% | $0 | $29 | 0.0% | 25 d |
| Quicksilver Secured RewardssecuredCashback rewards | 29.49% – 29.74% | – / – / – | 29.74% | $0 | $29 | 0.0% | 25 d |
| SavorOne RewardsCashback rewards | 29.49% – 29.74% | – / – / – | 29.49% | $39 | $29 | 0.0% | 25 d |
| Savor Rewards for Good CreditCashback rewards | 29.49% – 29.74% | – / – / – | 29.74% | $0 | $29 | 0.0% | 25 d |
| VentureOne Rewards for Good CreditTravel-related rewards | 29.49% – 29.74% | – / – / – | 29.49% | $0 | $29 | 0.0% | 25 d |
| Kohl's Rewards VisaOther rewards | 29.99% – 30.24% | – / – / – | 30.24% | $0 | $29 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.