Our illustration, not the card’s design
Capital One credit card
AFT+ Cash Rewards Credit Card
No annual fee. Purchase APR 16.65–26.49%.
Checked Nov 1, 2026Updated
- 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
“Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 16.65% - 26.49% variable thereafter, based on your creditworthiness.”
- 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
- Excellent
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 | $180 | $180 | |
| Typical spender | $450 | $450 | |
| Heavy spender | $990 | $990 |
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
$180a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a 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.
$990a 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
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).
- Lower top APR than about 50% of the 651 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
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
Rewards
How you earn
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- After three months as a cardholder, eligible cardholders may qualify for hardship assistance grants for disability, job loss, strikes, and other qualifying events. Grant amounts can range from $500 to $2,700, vary by grant type, and do not have to be repaid. Restrictions and eligibility criteria apply.
- 24/7 U.S.-based customer support.
- $0 liability for unauthorized charges, subject to verification and investigation.
- Exclusive Union Plus discounts and rebates for cardholders and their families.
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 “Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 16.65% - 26.49% variable thereafter, based on your creditworthiness.” |
| 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 “Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 16.65% - 26.49% variable thereafter, based on your creditworthiness.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · capitalone.com “Transfer Fee: 3% of the amount of each transferred balance that posts to your account during the first 12 months that your account is open, or at a promotional APR that we may offer you at any other time.” |
| 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: Excellent (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?
- 16.65–26.49% APR · capitalone.com, since Oct 11, 2026
- Is there an intro APR?
- 0% for first 12 months from account opening date. · capitalone.com, since Oct 11, 2026
- What credit do you need?
- Excellent · capitalone.com, since Oct 11, 2026