I am giving this card 5 stars because I read all the other reviews and am surprised by how many people are mad that they signed up for a card without reading all the info first! You THOUGHT it was Capital One? That's your fault right there! You're giving all your personal info to these people, maybe you should know who is receiving it. I knew I was paying a $75 fee for signing up, they just took it out of my credit and I paid it (in full!) on my first bill. Sure, no one reads all the terms and conditions on everything they sign up for, but you read the first damn page with all the info and the NAME of the company. I have received no surprise fees (as of yet, of course), I try to pay my card in full when it is due (except this last time, I paid half), and I use the plain grey card they sent me because paying extra to have a picture of my dogs face on the card just didn't seem worth it!