Capital One has always been a scam. I use the American Express Blue Cash. It has no fees and great customer service. I always use it to pay gas, cell phone, cable, etc. Last year it gave me almost 2% cash back. You also get a yearly report of where you spent your money: gas, restaurants, travel, shops, etc. Very insightful. The Amex website is very good with graphs of your spending by sector etc.
