Another consideration is special deals and promotions. Cards linked to airline programs (at least the major ones) occasionally have special promotions that allow you to get extra miles and other perks. I have no idea about the Capitol One program, but you may want to check to see if they have specials. Because these special promos are at the discretion of the program, and you never know whether you'll qualify for one in the future when you get the card, it's a wishy-washy thing to factor in, but it's important to some people nevertheless.