The Capital One is a personal credit card from Capital One. The annual fee is $0. The ongoing APR is 18.74% - 28.74% variable APR. Signup bonus: $50 one-time cash bonus after spending $100 on purchases within 3 months of account opening. Rewards: 3% cash back at grocery stores (excluding superstores like Walmart and Target), on dining, on entertainment and on popular streaming services; 1% cash back on all other purchases. This product reports activity to your personal credit report.