I love Cap 1. I have the No Hassles Cash Rewards card which they don't offer anymore. I like the 2% on both gas and groceries and use it when my other cards rotate out of these categories. You can claim the rewards whenever you want, and there's also no fees to use it out of the country.

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Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club
BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K