CardSleuth
← Back to explorer
52

Savor Rewards for Good Credit

Capital One, National Association

Top-25 issuerNationalVariable · PrimeCredit score 620–719
Issuer site ↗
Purchase APR
29.49–29.74%
Annual fee
None
0% intro
None
0% transfer
12 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

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

Lowest offered29.49%
Median29.74%
Highest offered29.74%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

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 offered29.49%
Median29.74%
Highest offered29.74%

Every fee on this card

Annual feeNone
Balance transfer fee4%
Cash advance fee5% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: Up to $29.00 for first late fee.

Rewards, benefits and features

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

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-903-9177
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 29.74% afterwards.

Cost to carry a balance
Interest for a year at 29.74%$892.20
Annual / periodic fees$0
Total yearly cost$892.20

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

More from this issuer