Simple flat 1.5% cash back with no annual fee and 15 months of 0% intro APR on purchases and balance transfers.
Rates, fees and offers
- Regular APR
- 18.49%–28.49% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 15 months on purchases and balance transfers.
- Balance transfer fee
- 3% on amounts transferred within the first 15 months
- Rewards
- Unlimited 1.5% cash back on every purchase.
- Welcome offer
- $200 cash bonus (spend requirement applies).
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
The 3% transfer fee applies to balances moved during the intro period.
Paying and contacting Capital One
- Pay online
- www.capitalone.com
- Customer service
- 1-800-227-4825
- Pay by mail
-
Capital One
Attn: Payment Processing
P.O. Box 71087
Charlotte, NC 28272-1087
Overnight:
Capital One
Attn: Payment Processing
6125 Lakeview Rd, Suite 800
Charlotte, NC 28269Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- Capital One
Attn: Disputes
P.O. Box 30279
Salt Lake City, UT 84130-0279
See all Capital One cards → · Search all cards
Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.