The Capital One is a charge card from Capital One. The annual fee is $395. The ongoing APR is 25.99% variable APR on Pay Over Time purchases (Prime plus 18.99%) (offer 41714 terms read 2026-10-13; undated). Approval typically requires a credit score of Excellent to Fair or higher. Signup bonus: 150,000 bonus miles when you spend $30,000 in the first 3 months (equal to $1,500 in travel; existing or previous accountholders may not be eligible). Rewards: 10 miles per dollar on hotels and rental cars and 5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel; 2 miles per dollar on all other purchases; 5 miles per dollar on Capital One Entertainment purchases; 10,000 bonus miles each account anniversary; miles do not expire for the life of the account. Typical credit limit: No preset spending limit (purchasing power adapts to spending, payment history and credit profile); a separate Pay Over Time limit set after review of the application. Loan terms: Designed to be paid in full each month; eligible purchases up to the Pay Over Time Limit may be carried with interest; the Pay in Full balance above that limit is due in full; minimum payment the greater of $15 or 10% of the Pay Over Time balance plus 100% of the balance above the limit, cash advances, interest and fees; due date at least 25 days after cycle close. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. 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)..