<prompt> Human: 15 years ago I registered a business. Had no sales. Capital one sent me a solicitation for a Professional card. I still have 7.9 rate, get 1.25 miles and a 30,000 limit. We charge everything, and mostly pay it off. Cycle through several thousand dollars a month. Its now our only card after others closed over time.We get other solicitations and my wife suggests we should try others The Venture Card gives 2!, but I feel what we have is a great deal with lower rate and higher limit, and honestly since there is no guarantee with approvals limits of new cards I dont want another card with a much smaller limit.  <response>: If interest rate actually matters to you then you are not using your credit card properly. You should be paying your bills off in full every month, which gives you an effective interest rate of 0. 