The Capital One is a personal credit card from Capital One. The annual fee is $0. The ongoing APR is 29.24% variable. Approval typically requires a credit score of 630 to 689 or higher. Signup bonus: no welcome bonus is available. Rewards: no points or benefits or bonuses. 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)..