I know this has been discussed in the past, but Capitol One sucks Donkey Dink. I didn't drop the club when they switched over to Cap1 and now regret it, but I'm done.

What else is out there that has a reasonable interest rate and some kind of reward? I've only had this one card for years and almost never carry a balance over a couple months, but I feel it's a good idea to have one for "Emergencies".

They say everything happens for a reason.
For me that reason is usually because I've made some bad decisions that I need to pay for.