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 a 0% intro APR for 12 months on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel; 3% cash back at grocery stores (excluding superstores like Walmart and Target), dining, entertainment and popular streaming services; 1% on all other purchases. Cash back: 3% Cash Back at Grocery Stores, on Dining, Entertainment & Popular Streaming Services. 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).. Standout card for combining a full 0% intro period with top-tier rewards on food, entertainment, and streaming. Navy Federal Platinum Credit Card. BT Fee: 3% during the intro period; 4% thereafter. Post-intro APR: 19.24% – 29.24% variable