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Capitol One cards
Are all capitol one cards ripoffs or is it just the mileage card? What about the other options, are they not very good offers as well?
I think of all Capital One cards as cash back cards. You can get them for the bonus but after that, it’s not worth using (or keeping, if there is an annual fee) If you only want cash back rewards, I would consider the Citi DoubleCash or Chase Freedom & Freedom Unlimited cards.
They do also hit up all three credit bureaus with inquiries but might be worth it for your needs.