there are 2 Cap One cards worth considering, the Quicksilver which is free, and the Venture Rewards card which is $59/year after the first free year

the Quicksilver earns you 1.5 "points" for every dollar charged, and the Venture card 2 points for every dollar...these points can be applied as credits towards your purchases

as far as choosing which card is best for you, if you plan on spending at least $12,000/year on the card, you're better off paying for the $59 Venture...if you're going to spend less than $12k, might as well just get the free Quicksilver card...the simple math, with Venture $12,000 x 2 = 24,000 points = $240 credits, less the $59 fee = $181 net earned....with QS $12,000 x 1.5 = 18,000 points = $180 earned

neither card charges a forex fee

fyi, a CapOne High Yield Checking account is also a pretty decent for ATM usage...no forex fees on withdrawals, CapOne doesn't charge ATM fees, and they will automatically reimburse any fees charged by another bank's ATM <img src="http://www.traveltalkonline.com/forums/images/graemlins/Thumbsup.gif" alt="" />