Our illustration, not the card’s design
Capital One credit card
Working America Cash Rewards Credit Card
No annual fee. Purchase APR 16.65–26.49%, 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
“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
- 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 | $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 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
- Hardship assistance grants may be available after 3 months as a cardholder for eligible Disability, Job Loss, 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, limitations, qualifications, and eligibility criteria apply.
- A cardmember may receive no more than three grants of each grant type per Union Plus Credit Card Account over their lifetime, no more than one grant of each grant type per year, and only one grant of each grant type for any unique loss event across multiple accounts. The account must have been in good standing when the loss event occurred.
- 24/7 U.S.-based phone service support.
- $0 liability for unauthorized charges; claims are subject to verification and investigation.
- Exclusive Union Plus discounts and rebates for cardholders and their families; restrictions apply.
All 6 benefits
- Account management, virtual card access, balance checking, and other features are available through the Capital One Mobile app.
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: 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?
- 16.65–26.49% APR · capitalone.com, since Oct 11, 2026
- Is there an intro APR?
- 0% for 12 months from account opening date. · capitalone.com, since Oct 11, 2026
- What credit do you need?
- Fair-Good Credit · capitalone.com, since Oct 11, 2026