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53

Union Plus Direct Mail - Mainstreet (Teaser)

Capital One, National Association

Top-25 issuerNationalVariable · PrimeCredit score 619 or lessCredit score 620–719
Issuer site ↗
Purchase APR
27.24–27.49%
Annual fee
None
0% intro
9 mo
0% transfer
9 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 offered27.24%
Median27.49%
Highest offered27.49%

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%

Balance transfer APR

Promotional window: 9 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 offered27.99%
Median28.24%
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 calculator
Stay put — 9 mo at 24%$450
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$300

Assumes you pay the balance down evenly across the 9-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 27.49% afterwards.

Cost to carry a balance
Interest for a year at 27.49%$824.70
Annual / periodic fees$0
Total yearly cost$824.70

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