tooie-welcome to Flyer Talk! I have the Capitol One Visa. There are pros and cons to this card. Pros include a cheap annual fee ($29), redeemed award tickets accumulate miles because it is actually a paid ticket (by Capitol One), and you can fly on any airline with no black-out dates. A con is that the miles needed for awards are sometimes higher than through specific airlines. Overall, I am happy with it. Do a search in the "Visa" forum for more details.