I just got an offer from capital one for their Gold card with 0% APR until June 2001 with $72 annual fee. I think Capital one needs to do some homework on me because I have a perfect credit history with a FICO score of 750 as of last month. All my cards carry no annual fees and I just got approved for MBNA's new Quantum card. If Capital one offers me their Gold card with no fee, I might think about it. But with $72 fee?? Forget about it!!! I am just curious, do you guys get the similiar offer?