My REI VISA is issued by US Bank, and they recently raised the interest rate to some rediculous level. I don't pay much attention to it because I pay it off in full each month. They apparently appreciate that so much that they reward my diligence by awarding a hefty late payment fee. Twice I've been one or two days late (it's a senior moment thing; I set the bill on my desk and cover it with other stuff and forget about it). The last late fee was a combination of $30 late fee plus minimum interest regardless of balance or some such that added up to $49. That pissed me off, but then I was late. I'll feel better when I go buy a bunch of goodies at REI with my dividend.

I thought about an Alaska or United credit card, but they both charge $75 a year just for the privilege of holding their card and earning air miles.