I've been pleased with my Capital One card ... there is a membership fee, but I just call customer service when it shows up on my bill and they have always dropped it.
You might want to check with your bank as well. My primary checking account is with Bank of America, and I have a great B of A credit card. The interest is relatively very low (8%, I believe) and there are no annual or membership fees.
No matter what CC you get, be really careful with the timing of your payments. A couple yeas ago I paid my Chase bill a day or two late, and my interest shot from 12% to 30%. I didn't catch that for a couple billing cycles. Luckily, all it took was a phone call to get the rate back down, but it seems the CC companies will use even the smallest slip ups to stick it to you big time.
Good luck! |