Discover it® Miles Credit Card — 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 0% intro 15 months purchases and balance transfers, then 17.74%-26.74% variable. Rewards: 1.5x miles on every purchase; first-year Discover Match. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.