Beware of Capital One! From personal experience, I can tell you that they are a terrible company to deal with. For instance, they may decide to raise your APR to the maximum rate allowable in your state, with no just cause. They say that they reserve the right to change their terms, and it is their choice to charge you whatever they want. Customer service is awful, and it will take you many, many frustrating calls to resolve even the most simple issue. I don't mean to flame the company, but I have been round and round with Capital One, and you deserve an outside opinion. Personally, I have a United First Card, and am perfectly happy with it (as long as you pay off your balance every month - 18.4% APR). Good luck.