The Capital One is a personal credit card from Capital One. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 17.74% to 26.74% variable APR after the intro period after a 0% intro APR for 15 months on purchases and balance transfers introductory rate for 6 months. Approval typically requires a credit score of 670 - 850 or higher. Signup bonus: Unlimited dollar-for-dollar match of the cash back earned at the end of the first year (new cardmembers; first 365 days). Rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Unlimited 1% cash back on all other purchases.. Cash back: 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% cash back on all other purchases.. Typical credit limit: $500 - $2,000. 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)..