Capital OneNHL® Discover It® Credit CardRegistry illustration · issuer artwork unavailable
NHL® Discover It® Credit CardCapital One · N bank, CT · FDIC 4297
CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured
Foreign fee
Grace period
25 days
from cycle close
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, reported median duration 15 months | 0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Great credit | median 24.74%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Good credit | median 26.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| No credit score | median 26.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| All applicants | 17.74%–27.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for balance transfersintroductory rate first | 0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for cash advances | 28.49%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — | — |
| Minimum interest charge | $0.50 | — | — |
| How we calculate your balance | Other | — | — |
| Annual fee | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Transaction fees | |||
| Cash advance | $10 or 5% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer | 3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Foreign transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty fees | |||
| First late fee | $0, $0.00 for first occurrence $30.00 if not charged a late fee within last six billing cycles $41.00 otherwiseConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Repeat late fee within six billing cycles | $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Returned payment | — | no source read | |
| Other fees | |||
| Returned Payment Fee | $30, $30 for all occurrencesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Optional: Identity Theft Protection | $15, $15/monthConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer terms | NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |