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not really sure id apply cause of the triple pull but I do have a long good history with Capital One (like 12 or 13 years) Cleaned up my credit and baddies have been falling off left and right, Just scoped out their preapproval site and noticed its showing im preapproved for the lowest interest rate? Yep im in the gardening faze and dont want to spook penfed as I love their VS card and the points im getting but im wondering what CL i might expect to get when it shows the best apr rates for all their cards? 12.9 on Venture and QS VS and 11.9 on Venture One which is funny cause I converted a qs 1 a while back to one. Thoughts?