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Discover it® Chrome Gas & Restaurant Credit Card

Capital One, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
16.49–29.24%
Annual fee
None
0% intro
6 mo
0% transfer
18 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
27.24%
≤619
—
620–719
26.74%
720+
24.74%
Lowest offered16.49%
Median25.24%
Highest offered29.24%

Introductory purchase APR

Promotional window: 6 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: 18 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: 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 cash back you've earned at the end of your first year

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Balance transfer calculator
Stay put — 18 mo at 24%$900
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$750

Assumes you pay the balance down evenly across the 18-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.24% afterwards.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$0
Total yearly cost$757.20

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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