???? When I google Capital One, the max on cards they show is 1.5% on cash back with the Exception of their Sparks Business card but that carries an annual fee of $59 after the first 12 months. Which Capital One card are you folk getting 2% unlimited across the board?
I have the Capital One Spark card for my business. I charge a LOT on that card, and the 2% points add up quickly.
For personal expenses, we use the Capital One Venture card. It also offers 2%, but as you mentioned, has a small annual fee. That fee is quickly offset if you use your card often. We put nearly everything we can on the card, so we don't worry about the $60 annual fee. We have never paid a penny of interest on any of the cards, as they are paid off on the first of every month.