RateHerald

Our illustration, not the card’s design

Capital One credit card

UNITE HERE Primary Access Credit Card

No annual fee. Purchase APR 26.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
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.

SpendingValue against the feeFirst yearAfter
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 85% of the 711 cards we track.
  • Lower top APR than about 40% of the 651 cards we track.

Other cash back cards with no annual fee

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

  • No foreign transaction fees.
  • 24/7 U.S.-based phone customer service.
  • $0 liability for unauthorized charges if the card is lost or stolen (subject to verification and investigation of claims).
  • Identity theft resolution services.
  • Union Plus discounts and rebates (certain restrictions apply; see unionplus.org/cardperks).
All 10 benefits
  • Flexible payment due dates.
  • Automatic credit line reviews; may be considered for a higher credit line in as little as 6 months.
  • Tap-to-pay contactless payments.
  • Capital One Mobile app for account management and virtual card access.
  • Other: $2,700 (grant amounts range from $500 to $2,700 and vary by grant type)

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Foreign transactions

Before you apply

  1. Credit the issuer asks for: Fair-Good Credit (issuer’s page).
  2. 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).
  3. 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
What credit do you need?
Fair-Good Credit · capitalone.com, since Oct 11, 2026
See it on capitalone.com

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