you get 2.2% on every dollar spent instead of the 2% on the cap one. Downside is you have to redeem rewards for travel, but if you travel at all, it should give you enough opportunities to redeem. Also, it has a reasonable annual fee after the first year. That one is a mastercard.

I spend a lot at Costco, so the new Costco Visa will be very good with 4% on gas, 3% on travel and restaurants, and 2% on costco purchases, with 1% on everything else.