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My decision is to get the Capital One Card. This is because it has the lowest percentage APR, while also offering rewards in miles. This card also requires only good credit, which is slightly more flexible than the other two cards. Although this card does have a late fee of $35, that is a pretty small fee to pay. This is also the only card out of the three that offers a reward bonus, making this card more appealing.

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$35 maximum late fee

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No late fees ever

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$35 maximum late fee

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No rewards bonus offered

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No rewards bonus offered

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Offers 20,000 mile rewards bonus

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Offers cash-back rewards

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Offers no rewards

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Offers miles for rewards

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Regular APR is 13.24%-23.24%

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Regular APR is 13.24%-23.24%

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Regular APR is 12.24%-22.24%

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Excellent minimum credit required

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Excellent minimum credit required

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Good minimum credit required