The Capital One is a personal credit card from Capital One. The annual fee is $39. The ongoing APR is 29.24% variable after a 0% intro APR for 12 months on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of Fair or higher. Signup bonus: $200 cash bonus once you spend $500 within 3 months of account opening.. Rewards: 3% cash back at grocery stores (excluding superstores), dining, entertainment and popular streaming services; 1% on all other purchases. Cash back: 3% cash back on dining, grocery stores, entertainment, and popular streaming services; 5% cash back on hotels, vacation rentals, and rental cars booked through Capital One Travel; 1% cash back on all other purchases.. 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: Capital One enforces a 2-card limit (you cannot have more than 2 Capital One personal cards open at any time) and a 6-month rule (you can only be approved for one new Capital One card every 6 months). Capital One pulls from ALL THREE bureaus on every application (triple pull)..