Capital one might lower your interest rate but what is going to help you the most is a credit limit increase. Unfortunately with capital one, you stand a better chance moving to Michigan than getting them to give you a credit increase. Try paying your cards down and stay under 25%, the good news is this, if you call Capital one and threaten them to close your account, they will volunteer to lower your rate just to keep you
Applying for a new card might lower your score 10 points but after a few months of payments, you will jump right back to where you were and even higher try this card
and let me know if you have any questions/concerns.
Good Luck and welcome to the forum