I know this has been discussed in the past, but Capitol One sucks Donkey Dink. I didn't drop the club when they switched over to Cap1 and now regret it, but I'm done.

What else is out there that has a reasonable interest rate and some kind of reward? I've only had this one card for years and almost never carry a balance over a couple months, but I feel it's a good idea to have one for "Emergencies".

Cash.

I'm not quite there yet, I enjoy my rewards and never carry a balance so the rewards are free discounts when I HAVE to shop at Cabela's

i have had very poor experience with capital one, and a fairly high credit line transfered to them from cabela's. never have use it. i use now a card from my primary bank which has a bunch of discounts on it.

If you travel at all, a Chase Southwest rewards card is where it is at, if you are near a SW airport.

My wife and I use ours for *every purchase we can* (1 point per dollar) plus I booked hotels, rental cars, and airline tickets for work and personal travel on it for 3x points.

We have hit "companion" status, so she travels for free with me, if I book a ticket. I pay for my ticket with points, she flies free - we haven't paid for 2 R/T tickets in a few years. We accumulate points faster than we can use them.

With COVID, there has been no travel, so we are now over 250,000 points. That covers trips to Boston to visit our daughter, Hawaii next year (hopefully), Cabo to see my father, etc, etc.

Worth looking into, if cheap travel is your thing.

Capital One Cabela's caused me a lot of problems when they were bought by Bass Pro.

New cards, never activated accrued a pile of debt.......all calls went to Guatemala.

It took a year but all finally resolved.....I hope!

The Costco CitiBank is great!

Costco card. 4% on all fuel purchases

Wife and I have Capital One Venture card. Comes with an annual fee, but also rewards and other things that make up for that in our use model:

- TSA pre-check for free (covers the fee right there), I travel for work and we both travel back to New England to visit family
- 2 for 1 rewards "miles". 100 "miles" gets you $1 in rewards/cash back

It's the card on TV with Jennifer Garner, they say it's flights you get with no black out, however it's really not. You can offset billed things on the card with the "miles", so for flights, you build up the "miles" and then buy an airline ticket via the airline, they pay that off directly to the CC with your miles. We keep it paid off montly so interest is a non-issue, but in the last year we've paid off 3 airline tickets and 2 rental car purchases with it.

+1 - 4% on gas, 3% on restaurants, 2% on anything bought at Costco, 1% on everything else. I like the $2-300 check in Feb.

Fidelity Rewards. Flat 2% on everything. No limit, no fee.

Discover . One percent on every thing. Rotates from gas , restaurants, Amazon, wholesale club with up to 5 percent.
No annual fee. July thru September you can earn 5 percent using pay pal and restaurants. Hasbeen

I too have a severe case of ph uck Capitol one after the A ss Amateur Shops buy out.
Got a Scheels card when they opened here near the house.
3% in points on in store or online purchases 1% on everything else.
Plus no interest on purchases over $500.00 for 6 months, over $1000 no interest for 12 months.
And for every 2500 points you accumulate they send you a $25.00 gift card.

Buying gas with cash is a waste of time and there's no way to send cash over the Internet safely. Credit cards are almost a necessity when it comes to running a business or two. We've been comprised a few different times, the worst was from Palo Brazil for the tune of $38,400. At least now with cell phones you can get things straightened out rather quickly while your on vacation.