NNU 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. Grants are paid by check and do not have to be repaid.
- Hardship assistance grant amounts range from $500 to $2,700 and vary by grant type.
- A cardmember may receive a grant only if the Union Plus Credit Card Account was in good standing when the loss event occurred.
- A cardmember may receive no more than three grants of each grant type per account over the account 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.
- U.S.-based 24/7 phone customer service.
- $0 annual fee.
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).