Capital One is an excellent company. 1.5% cash back on every purchase. Great customer service via phone with a real American. Their online bank is very competitive as well with good rates. You can also set up virtual cards with online merchants that can be turned off & on at will, so your real account number is never compromised. Excepted everywhere and no foreign transaction fees. My #2 is Discover Card. Good customer service with a real American as well.