The Capital One is a personal credit card from Capital One. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% to 25.74% variable APR after a 0% intro APR for 6 months on purchases introductory rate for 6 months. Signup bonus: Unlimited dollar-for-dollar match of all the cash back earned at the end of your first year. Rewards: 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter; 1% cash back on all other purchases.