Also, of everything I've looked at, every single one will raise your rate to the very-high default rate if you're late on a single payment, EXCEPT Capital One, which wait until you've done it twice.
While I certainly never intend to make a late payment, this /was/ the problem I had with MBNA, when their automatic system wasn't paying my minimum payment properly and so I was considered to be defaulting.
This brings up an interesting problem. One of the really big things upon which I would judge a potential card company is their online payment system. But nearly all of them I have no way of seeing what it looks like before actually getting a card with them. Chase I know, and BoA I know, because I've had accounts with them before. But that's it.