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Discover it® Cash Back Credit Card

Capital One, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.74–29.24%
Annual fee
None
0% intro
15 mo
0% transfer
15 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
26.99%
≤619
—
620–719
26.74%
720+
24.74%
Lowest offered16.74%
Median25.74%
Highest offered29.24%

Introductory purchase APR

Promotional window: 15 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 15 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.49%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual feeNone
Balance transfer fee3%
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$0
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$0.50
Balance computationOther
Additional fees
Returned Payment Fee$30
Optional: Identity Theft Protection$15

Late fee policy: $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwise

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Affiliates Sign-Up Bonus - statement credit after $500 spend in the first 3 months Refer A Friend - Refer a friend and get a statement credit for each friend who becomes a cardmember. Cashback Match - Get an unlimited dollar-for-dollar match of all the

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$600

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.74% afterwards.

Cost to carry a balance
Interest for a year at 25.74%$772.20
Annual / periodic fees$0
Total yearly cost$772.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

20 documents filed by Capital One, National Association in the 2026 Q1 archive.

All 20 agreements

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