My first credit card in college was from Capital One. I personally thought they were great. They gave me my cashback rewards right away instead of quarterly, an

My first credit card in college was from Capital One. I personally thought they were great. They gave me my cashback rewards right away instead of quarterly, and the one time I forgot to make a payment on time (before I set up autopay), they forgave it and initiated the payment over the phone. After that I just never carried a balance and never had to worry about their fees and rates. Also never ran into any "gotchas".