Correct if you have 20 credit pulls in the past 7 days you might get denied.

Also keep in mind you have 3 credit reports.

I don't recommend Capital One for many reasons, least of which is they pull all 3 credit reports.

However most banks will pull 1 or 2 reports only.

Apply for Amex they are 99.9% chance of only pulling Experian, the others are a toss up but say Discover pulls your Transunion only. They you apply for Chase they might pull Transunion & Equifax only.

Most of it is luck but you could apply for 3 different credit cards and each one sees 0 recent inquiries.

Also, sometimes when you apply for for two cards with the same bank on the same day they will only do an initial credit pull