IUOE Credit Card from Capital One
No annual fee. Purchase APR 18.15–27.99%, variable.
- Annual fee
- Issuer's pagecapitalone.com
“$0 annual fee.”
- Purchase APR
- Issuer's pagecapitalone.com
“Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 18.15% - 27.99% variable thereafter, based on your creditworthiness.”
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What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 35% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “$0 annual fee.” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 18.15% - 27.99% variable thereafter, based on your creditworthiness.” |
| Intro APR | Issuer's pagecapitalone.com “Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 18.15% - 27.99% variable thereafter, based on your creditworthiness.” |
| Balance transfer APR | Issuer's pagecapitalone.com “Cash Rewards Purchase and Transfer APR: 0% intro rate for the first 12 months from account opening date; 18.15% - 27.99% variable thereafter, based on your creditworthiness.” |
| Balance transfer fee | Issuer's pagecapitalone.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 | Issuer's pagecapitalone.com “Terms applicable to Cash Rewards, Rate Advantage and Primary Access Cards: Cash Advance APR 29.24% variable.” |
| Cash advance fee | Issuer's pagecapitalone.com “Cash Advance Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.” |
Carrying a balance? See how long it takes to pay off
Benefits
- After 3 months as a cardholder, eligible cardholders may be eligible for hardship assistance grants paid by check that do not have to be repaid. Grant amounts can range from $500 to $2,700 and vary by grant type.
- A cardmember may receive no more than three grants of each grant type per Union Plus Credit Card Account over their lifetime, and no more than one grant of each grant type per year. A cardmember may apply only for loss events occurring at least 3 months after becoming a cardmember.
- 24/7 U.S.-based phone customer service.
- Account management through online access and the Capital One Mobile app.
Questions
- What is the annual fee?
- $0 capitalone.com, since Sep 29, 2026
- What is the purchase APR?
- 18.15–27.99% APR capitalone.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 months from account opening date. capitalone.com, since Sep 29, 2026
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).