Bank · FDIC insured
Capital One Credit Card Rates
Capital One credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Capital One’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
Capital One
9.99%APR
- Up to
- —
Bass Pro Shops CLUB Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Capital One credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Capital One ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
BJ’s One+® Mastercard®
Good-Excellent Credit. 5% back in rewards on most purchases at BJ's, 2% back everywhere else Mastercard is accepted, 15¢ off/gallon at BJ's Gas.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99%–28.49% | None | Variable APR. No transfer fee with this transfer APR; 3% on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.49% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
BJ’s One® Mastercard®
Good-Excellent Credit. 3% back in rewards on most purchases at BJ's, 1.5% back everywhere else Mastercard is accepted, 10¢ off/gallon at BJ's Gas.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99%–28.49% | None | Variable APR. No transfer fee with this transfer APR; 3% on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.49% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Bass Pro Shops CLUB Card
Good-Excellent Credit. Earn 2% back on Bass Pro Shops & Cabela's purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Purchase APR for purchases at Bass Pro Shops and Cabela's. |
| Ongoing | 19.74%–30.74% | None | Purchase APR for other purchases. Variable APR. No Transfer Fee with this Transfer APR; 3% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 30.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Cabela’s CLUB Card
Good-Excellent Credit. Earn 2% back on Bass Pro Shops & Cabela's purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Purchase APR for purchases at Bass Pro Shops and Cabela's. |
| Ongoing | 19.74%–30.74% | None | Purchase APR for other purchases. Variable APR. No Transfer Fee with this Transfer APR; 3% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 30.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Discover it Cash Back
Excellent Credit. 5% cash back at different places each quarter up to max when activated. Discover by Capital One, N.A.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro APR for 15 months. |
| Ongoing | 18.74%–28.74% | None | Variable APR after introductory period. 5% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Key Rewards® Visa
Good-Excellent Credit. Up to 5% back in rewards, Intro 10% back on in-store purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Kohl's Rewards® Visa
Good-Excellent Credit. 7.5% back in Kohl's rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.49% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Platinum
Build credit with responsible use. Fair Credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Platinum Secured
Rebuilding Credit. Build credit with responsible use. Refundable deposits as low as $49 for a credit limit of at least $200 (deposit amount will be $49, $99, or $200 based on creditworthiness).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. Refundable deposit as low as $49. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Pottery Barn Key Rewards® Visa
Good-Excellent Credit. Up to 5% back in rewards, Intro 10% back on in-store purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Quicksilver Rewards
Excellent Credit. 1.5% cash back on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro APR for 15 months. |
| Ongoing | 18.74%–28.74% | None | Variable APR after introductory period. 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Quicksilver Rewards for Good Credit
Good Credit. 1.5% cash back on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Quicksilver Rewards for Students
Fair Credit. Build credit with responsible use. For students. 1.5% cash back on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74%–28.74% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Quicksilver Secured Rewards
Fair Credit. Build credit with responsible use. $200 minimum refundable deposit. 1.5% cash back on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
QuicksilverOne Rewards
Fair Credit. Build credit with responsible use. 1.5% cash back on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | $39 | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
REI Co-op® Mastercard®
Good-Excellent Credit. Earn 5% in rewards on REI Co-op purchases and 1.5% on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.49%–28.49% | None | Variable APR. |
| Ongoing | 28.49% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Savor Rewards
Excellent Credit. 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% intro APR for 12 months. |
| Ongoing | 18.74%–28.74% | None | Variable APR after introductory period. 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Savor Rewards for Good Credit
Good Credit. 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Savor Rewards for Students
Fair Credit. Build credit with responsible use. For students. 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.74%–28.74% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
SavorOne Rewards
Fair Credit. Build credit with responsible use. 3% cash back at grocery stores, on dining & entertainment and 1% on other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | $39 | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
T-Mobile Visa®
Good-Excellent Credit. 2% in rewards on every purchase, 5% on any phone, device, or accessory at T-Mobile.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.49%–28.49% | None | 18.49% or 28.49% variable APR. Transfer fee: Greater of 3% of the amount transferred or $3. |
| Ongoing | 28.49% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Union Plus Cash Rewards
Union Plus Credit Card for current members in good standing of a participating union, retired union members, family members (where eligible), or members of Working America residing in the 50 US states, DC, or US Military location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% intro rate for the first 12 months from account opening date. |
| Ongoing | 16.65%–26.49% | None | Variable thereafter, based on your creditworthiness; varies with market based on Prime Rate. |
| Ongoing | 27.74% | None | Variable APR; varies with the market, based on Prime Rate. Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/pa…er/up/afscme-credit-card · captured Oct 22, 2026
Union Plus Primary Access
Union Plus Credit Card for current members in good standing of a participating union, retired union members, family members (where eligible), or members of Working America residing in the 50 US states, DC, or US Military location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 26.99% | None | Variable APR; varies with the market, based on Prime Rate. |
| Ongoing | 27.74% | None | Variable APR; varies with the market, based on Prime Rate. Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/pa…er/up/afscme-credit-card · captured Oct 22, 2026
Union Plus Rate Advantage
Union Plus Credit Card for current members in good standing of a participating union, retired union members, family members (where eligible), or members of Working America residing in the 50 US states, DC, or US Military location.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro rate for the first 15 months from account opening date. |
| Ongoing | 14.65%–24.65% | None | Variable thereafter, based on your creditworthiness; varies with market based on Prime Rate. |
| Ongoing | 27.74% | None | Variable APR; varies with the market, based on Prime Rate. Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/pa…er/up/afscme-credit-card · captured Oct 22, 2026
Venture Rewards
Excellent Credit. 2X miles on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–28.74% | $95 | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | $95 | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Venture X Rewards
Excellent Credit. 2X miles on every purchase, plus access to 1,300+ lounges worldwide.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–28.74% | $395 | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | $395 | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
VentureOne Rewards
Excellent Credit. 1.25X miles on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% intro APR for 15 months. |
| Ongoing | 18.74%–28.74% | None | Variable APR after introductory period. 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
| Ongoing | 28.74% | None | Variable APR. Cash advance fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
VentureOne Rewards for Good Credit
Good Credit. 1.25X miles on every purchase.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. No Transfer Fee with this Transfer APR; 4% on the amount of each transferred balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
West Elm Key Rewards® Visa
Good-Excellent Credit. Up to 5% back in rewards, Intro 10% back on in-store purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Williams Sonoma Key Rewards® Visa
Good-Excellent Credit. Up to 5% back in rewards, Intro 10% back on in-store purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 29.24% | None | Variable APR. 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you. |
Sources (1)
- capitalone.com/credit-cards/compare · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.