Many people don't like the First Premier, but it DOES have a grace period on interest, and the interest rates and fees are similar (almost exactly). I've had no issues with them, they haven't held any payments, they post if you pay through bill pay faster if you do have problems with them holding onto your payment, and they report to all 3 credit bureaus. I applied for Credit One at the same time as First Premier, have had my FP card for 3 months, CO still says application in progress, they wanted multiple pieces of ID mailed in, and still no progress. At this point I was able to get some other store cards and a secured Capitol One and more scores have jumped a lot, I'm ready to just cancel that application and wait out my 6 statements with Capitol One and ask for another card from them.
On a side note, I decided to start banking with Capitol One, too. They pay interest on both checking and savings with no minimum balance. No monthly fees, either, super happy with the service from C1.
