Capital One
Discover it® Cash Back Credit Card
- APR for purchasesIntroductory rate shown first.
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardAll applicants16.74%–29.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardNo credit score26.99% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardCredit scores from 620 to 71926.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardCredit score of 720 or greater24.74% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- APR for balance transfers
- 0% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- APR for cash advances
- 28.49%–29.24% variableConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Penalty APRCharged after a late or returned payment.
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- Paying interestThe grace period on new purchases.
- 25 days from the close of each billing cycleConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Annual fee
- AnnualNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Transaction fees
- Cash advance$10 or 5% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardBalance transfer3% of the amountConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardForeign transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Penalty fees
- First late fee$0Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardRepeat late fee within six billing cycles$41Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardReturned payment—
- Other fees
- Returned Payment Fee$30Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardOptional: Identity Theft Protection$15Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardOver limitNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-cardPurchase transactionNot offeredConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Balance transfer termsHow long a transfer may be requested for, and how much may be moved.
- Grace period on transfersNoConsumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card
- Source
- Consumer Financial Protection Bureau · cfpb:tccp:2025-12-31:capital-one-national-association:discover-it-cash-back-credit-card · captured 2026-09-06