Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
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51
Savor Rewards (targeted offering for existing customers - PMC)
Capital One, National Association
Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
28.99–29.74%
Annual fee
None
0% intro
9 mo
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
29.24%
620–719
29.24%
720+
29.24%
Lowest offered28.99%
Median29.24%
Highest offered29.74%
Introductory purchase APR
Promotional window: 9 months
The intro 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 offered28.99%
Median29.24%
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 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
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 29.24%$877.20
Annual / periodic fees$0
Total yearly cost$877.20
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.
- Credit Card Agreement for Consumer No Preset Spending Limit Cards in Capital One, N.A.226 KB
- Credit Card Agreement for Discover228 KB
- Credit Card Agreement for T-Mobile Visa® in Capital One N.A.216 KB
- Credit-Card-Agreement-for-Bass-Pro-Shops-CLUB-Cards-in-Capital-One-N.A.251 KB
- Credit-Card-Agreement-for-BJs-Mastercard-Cards-in-Capital-One-N.A.220 KB
- Credit-Card-Agreement-for-Cabelas-CLUB-Cards-in-Capital-One-N.A.294 KB
More from this issuer
Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
Purchase APR
29.99–30.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $907.20
Purchase APR
17.74–27.24%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $809.70