4% scope
Cards, personal loans, and auto loans named by Capital One
The eligible loan must be owned and serviced by Capital One. Do not extend the 4% claim to an unnamed product.
Capital One, National Association
Capital One / Discover
Quick answer
Capital One / Discover SCRA overview
Capital One names eligible Capital One or Discover cards, personal loans, and auto loans for a 4% rate when Capital One owns and services the loan. Its request process reviews every account separately.
Federal protections are separate from any additional benefit offered by a bank.
Capital One and Discover account guide
The request covers every Capital One and Discover account; the published 4% claim names three product groups.
Capital One reviews every account separately. Its public 4% language specifically names Capital One or Discover cards, personal loans, and auto loans.
Other program terms
Fee treatment and one post-service year
Capital One separately describes a limited fee exception and the timing of approved benefits; each account still requires approval.
Phone
Use the number matching the account brand
Capital One and Discover publish different military-support numbers. Discover also lists an overseas number.
Request
Secure form, mail, or branch
These bankwide intake routes trigger account-by-account review. They do not make every product eligible for the 4% rate.
Federal SCRA rule
Start with when the debt began.
Federal SCRA interest relief generally concerns qualifying debt from before military service. A bank's extra benefit can be broader or more generous, but it does not replace the federal eligibility test.
Open all federal scra protectionsExtra from Capital One / Discover
3 bank extras.
Quick read. Eligibility still depends on the exact account.
4% on eligible Capital One or Discover cards, personal loans, and auto loans
Capital One must own and service the eligible loan. The 4% claim is limited here to the cards, personal loans, and auto loans named by Capital One.
No account fees except certain insurance charges
Eligible SCRA Program accounts only; certain insurance charges still apply.
Approved benefits last one year after active duty
Approved accounts only. Benefits date back to qualifying service and last until one year after active duty; requests after that year are generally declined.
Contact Capital One / Discover
Choose the option that matches what you need.
Each option says exactly what the bank confirms it can do.
Branch
Any Capital One or Discover branch
A branch will forward the request for processing.
- Use for
- All Capital One and Discover accounts; eligibility is decided account by account.
Include orders or a commanding-officer letter with the stated service details. Do not include military or government-issued IDs.
- Use for
- All Capital One and Discover accounts; eligibility is decided account by account.
- What the bank asks for
- Active-duty orders or commanding-officer letter
- Servicemember name and SSN
- Active-duty start date
- Branch of service
Phone
Capital One 855-227-1645; Discover 844-337-4645; Discover overseas 801-451-3730
Dedicated military/SCRA support; Discover agents are stated as available 24/7.
- Use for
- All Capital One and Discover accounts; eligibility is decided account by account.
Public SCRA form
Capital One public SCRA request form
Complete the official form to start a request. It asks for identifying and service information but does not state that it accepts document uploads.
- Use for
- All Capital One and Discover accounts; eligibility is decided account by account.
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