After establishing a credit history with Capital One for over 3 years I was upgraded to a No Hassle Cash Platinum Visa Card. I had the same interest rates and annual fee, but I received 1% back on all purchases. There was also discounts for shopping at certain stores and I received an annual cash back bonus each year. I used this card for all of my purchases the first year and was able to get $150 back in points. This made having an annual fee not matter too much because I would just deduct it from my rewards. I really enjoyed this card for the 2 years I had it. One day I received a email stating that my rewards card was being upgraded. It was practically the same card, but I was losing my annual bonus and there was no more discounts. I tried to keep my current card, but they said it was no longer going to be carried by Capital One. I would definitely recommend this card or something similar from Capital One.