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 after the intro period after a 0% intro APR for 15 months on purchases and balance transfers (balance transfer fee applies) introductory rate for 15 months. Approval typically requires a credit score of Excellent or higher. Signup bonus: 20,000 bonus miles after spending $500 on purchases within the first 3 months from account opening. Rewards: Unlimited 1.25 miles per dollar on every purchase; unlimited 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. 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).. Ideal if you want to carry a balance interest-free while earning travel miles—perfect for strategic leverage into travel rewards. Capital One Savor Cash Rewards. BT Fee: 3% during the intro period; 4% thereafter. Post-intro APR: 19.24% – 29.24% variable