<p>I have a Capital One MC and I like it. I only get 1 point per dollar, but I pay no annual fees. (We also chose to pay our balance in full every month so we never pay any interest). The rewards points are easy to use. As soon as I hit 35,000 points I look for a recent travel bill for as close to $350 as I can find. Then I redeem the points to “pay” for that item. Basically its just a credit toward my next payment. But it works for me.</p>