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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43
Union Plus Direct Mail - Mainstreet (Non-Teaser)
Capital One, National Association
Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719
Purchase APR
27.24–27.49%
Annual fee
None
0% intro
None
0% transfer
None
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 offered27.24%
Median27.24%
Highest offered27.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.99%
Median27.99%
Highest offered28.24%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee3% (min $3)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$19
Repeat late fee (6 mo)$19
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: Late fees are tiered based on balance owed. First late fee is $19.00 (less than $100 balance owed) or $27.00 ($100 or more balance owed). Late Fees Six Month Billing Cycle are $19.00 (less than $100 balance owed), $29.00 (balance owed between $100 and $10
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
- 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)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: Requires membership in an AFL-CIO union or a family member of a member in an AFL-CIO union
Phone1-800-522-4000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 27.24%$817.20
Annual / periodic fees$0
Total yearly cost$817.20
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