The Capital One is a personal credit card from Capital One. The annual fee is $0. The ongoing APR is 28.99% variable (Prime + 22.24%; agreement pricing as of June 30, 2026). Approval typically requires a credit score of 650-700 or higher. Signup bonus: $10 rebate after spending $100. Loan terms: Revolving store credit card; due date at least 25 days after the close of each billing cycle; no interest on new purchases if the previous balance is paid in full by the due date each month; minimum payment due monthly; promotional Credit Plans (Waived Interest Charge, Reduced Rate, Same as Cash / Monthly Payment) may be offered on eligible purchases, with deferred interest charged from the purchase date if a Same as Cash balance is not repaid by the promotional expiration date. This product reports activity to your personal credit report. 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).. Menards store card. 2% rebate on all purchases. Issued by Capital One.