Our illustration, not the card’s design
Capital One credit card
AFGE Primary Access Credit Card
No annual fee. Purchase APR 26.99%, variable.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · capitalone.com
“$0 annual fee.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · capitalone.com
“Primary Access Purchase APR: 26.99% variable APR.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · capitalone.com
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Fair-Good Credit
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 40% of the 651 cards we track.
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- No foreign transaction fees when used internationally.
- Hardship grants for eligible cardholders facing disability, job loss and more; grants never have to be paid back. Grant amounts range from $500 to $2,700 and are paid by check. Eligible after 3 months as a cardholder. Limits: good standing at time of loss event; up to three grants of each grant type per account lifetime and no more than one grant of each type per year; one grant of each type per unique loss event; loss event must occur at least 3 months after becoming a cardmember. Administered through the AFL-CIO Mutual Benefit Plan.
- Discounts and rebates on everyday purchases negotiated for union members; certain restrictions apply.
- Flexible payment due dates (cardholder chooses a date).
- Automatic credit line reviews: may be automatically considered for a higher credit line in as little as 6 months.
All 10 benefits
- 24/7 U.S.-based phone customer service.
- Contactless tap-to-pay.
- Account management through the Capital One Mobile app.
- Other
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · capitalone.com “$0 annual fee.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · capitalone.com “Primary Access Purchase APR: 26.99% variable APR.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · capitalone.com “0% intro APR for 12 months;” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · capitalone.com “26.99% variable APR” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · capitalone.com “Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR 27.74% variable.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · capitalone.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Fair-Good Credit (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · capitalone.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- No. · capitalone.com, since Nov 1, 2026
- What is the purchase APR?
- 26.99% APR · capitalone.com, since Oct 11, 2026
- Is there an intro APR?
- 0% for first 12 months from account opening date. · capitalone.com, since Nov 1, 2026
- What credit do you need?
- Fair-Good Credit · capitalone.com, since Oct 11, 2026