I've had some wonderful experiences with Capital One. I've had my account for a little over a year, and in that time I've received two credit line increases for keeping my account in good standing. This last statement I noticed there was an annual fee (there may have been an annual fee last year, just don't remember). I called C-1 customer service and asked about the annual fee. They gave me a choice of waiving the annual fee for the year, or lowering my interest rate. I chose waiving the annual fee. The customer rep then explained that every three months the account is reevaluated, and if I call back in a few months they will lower the APR. He also said to call once a year, and the annual fee can be waived upon request.
Their customer service is excellent and easy to work with.

I would highly recommend them, but apply for a card with no annual fee to save yourself the hassle of making that once a year call.