Discover it Cash Back — Capital One is a personal credit card from Capital One. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.74% to 28.74% variable APR (after 0% intro for 15 months) after a 0% intro APR for 15 months on purchases and balance transfers introductory rate for 15 months. Approval typically requires a credit score of 670 or higher. Signup bonus: $200 bonus statement credit after $500 in purchases in the first 3 months, plus Unlimited Cashback Match at the end of the first year. Rewards: 5% cash back on rotating quarterly categories (up to the quarterly maximum when activated); 1% on all other purchases. Cash back: 5% cash back on rotating categories, 1% on all other purchases.. Typical credit limit: ~$3,671 overall; ~$5,859 for 700+ score. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Discover limits cardholders to a maximum of 2 personal Discover cards open at any time. New Discover applications are typically only approved if your last Discover application was at least 14 days ago. First-year cashback is automatically matched (unique to Discover).. The 0% intro APR applies to purchases and balance transfers for the first 14 months.