Capital One has been a pretty good credit card for me.
Aperture is on its way out the door, so while it previously would have been my recommendation, I can't recommend it anymore.
I haven't worked with Capture One, since I'm not a Nikon guy and it was developed for them originally IIRC, but certainly you should give that a spin, it is well-regarded. I was using Lightroom for a while because I use Photoshop CC and LR is included in the $10/month "photographer's bundle." It's fine and has some very advanced controls, but I'm just not fond of the interface (whereas I have no problem with PS).
Photos can handle RAW just fine, and if your editing needs are light it may be sufficient for you.
I played around with the AccuRaw beta and liked it, but $80 is a bit steep -- if you see it on sale, you might want to take a look at it. Of the free ones, RAW Photo Processor and Darktable are probably the best ones I've seen, but you still need programs like PS and Lightroom or Photos for management and final post-processing.