First time I was late paying AMEX they raised my interest rate north of 25%. They could legally do so, but they were the only card I had that did it so quickly; just one day late.
Discover was my favorite. They had a forgiveness policy and wouldn't raise your rate just because another card did. And their website was very friendly to use.
Their app is blasted easy to use for payments & viewing account information as well. I despise the Chase app where my auto loan sits, as it never loads correctly on my iPhone, or takes drastically longer. Whereas the Discover app and pages load without problem.
I guess that's how they make money and can afford great customer service, which is also something I'm fine with: I couldn't care less what their interest rate is since I'll never ever pay interest. If that's on the agenda, then I'd look somewhere else as you say.
