Discover it® Cash Back for Good Credit — Capital One is a personal credit card from Capital One. Application typically pulls a credit report from Experian. The annual fee is No annual fee. The ongoing APR is 29.24% variable; no intro APR. Rewards: 5% rotating quarterly categories (on activation), 1% other; first-year Cashback Match. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.