If you have good credit, this is the card to get. An annual fee may be applied if you have a below than good or average credit rating. On-line maintenance such as bill payment, balance transfers, rewards and benefits are easily accessible. NextCard Capital One offers instant approval to some depending upon your past credit history. This is a well established company like NextCard.
Interest rates are as well.
If you have slow or bad credit and are in need to rebuild it, Johnson Lane may be your preferred choice. They offer secured and unsecured cards, some with an annual fee. Otherwise offering 33 cents to the dollar in credit.