Preparing to move cross-country for graduate school, I took one more shot at apping tonight and applied for the Capital One Cash Rewards card (the "Average Credit" version with the $39 annual fee). I had scored my first prime card last month (Chase Freedom, $500 CL) and was hoping for one more cash rewards card with a decent APR so I could finally retire First Premier and Credit One both to a shoebox in the back of my closet.
I had charged off a Capital One card a few months after college-- paid off, it has about a year left before it will fall off my report. All attempts at early deletion have been shot down time and again. Despite that, a little research suggested I had a decent shot at a do-over with Capital One.
I was approved with a $1000 CL and 17.9% APR. While this is a relatively small limit, it's my first four digit limit that isn't CareCredit, and my second-lowest APR. So happy right now.
Thank you all for pooling your collective experiences and wisdom here. Two years ago, when I stumbled across this site desperate for guidance, graduate school was NOT a realistic option for me. Now, my reports are clean enough to apply for GradPLUS loans and I have relatively respectable credit cards in my wallet to bridge the occasional financial gap. I am so grateful, guys. So very grateful.
Now to shoebox a couple cards and garden for a year. 
wow with what kinda score? i just have a cap secured card n would love to move up to a regular card but just scared to apply. im in the mid 500s
Starting Score: 541
Awesome!! Congrats on your new card!
What score were you approved with? Just got my Cap1 Cash Rewards card in the mail this past weekend and am excited to know "its whats in my wallet"!
Good luck on your move!
Starting Score: EX: 570 EQ: 520 TU 602Sorry about the previous post. I missed where you had already posted your approval score! Congrats again!