The Discover (Capital One) is a personal credit card from Discover (Capital One). Application typically pulls a credit report from Experian. The annual fee is No annual fee. The ongoing APR is 0% intro 18 months balance transfers / 6 months purchases, then 17.74%-26.74% variable. 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.