We LOVE Capital One - 2 for 1 points and you can "erase" travel expenses from your bill. Formula is simple. Just add two zeros to the cost of your hotel room or flight and is how many points you need. We use it for positively every expense we can - groceries, gas, insurance, heating expenses, cable TV; points build quickly. Obviously you have to pay it in full when due or interest will wipe out any savings. And, as they say, No foreign transaction fees. We pay an annual fee but it is worth it. Love capital one.