RateHerald

Our illustration, not the card’s design

Capital One credit card

Working America Primary Access Credit Card

No annual fee. Purchase APR 26.99%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

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$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

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.
  • Discounts and rebates on everyday purchases, negotiated for union members (certain restrictions apply; see unionplus.org/cardperks).
  • 24/7 U.S.-based phone customer service.
  • Automatic credit line reviews: may be considered for a higher credit line in as little as 6 months.
  • Flexible payment due dates: choose a date that works for you.
All 10 benefits
  • Tap-to-pay contactless payments.
  • Account management through the Capital One Mobile app.
  • Other
  • Other
  • Other: $500 to $2,700, varies by grant type

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRFirst 12 months from account opening date
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Foreign transactions

Before you apply

  1. 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).
  2. 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
See it on capitalone.com

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