Capital One Dining card

[Anonymous]

I thought I'd post to add a data point. I was accepted for the Premier Dining card by Cap1. I got a 10K limit which is my highest. I have my scores in the 770 range for FICOs. But my income is only 20K annually.

I already have two 2% back cards and the Marvel card for 3% Dining. The reason I got the card was for no FTFs, as I'm planning a trip overseas and dining and groceries will be big expenses (I don't travel enough for a dedicated travel card, nor am I loyal to a brand, just whatever is cheapest with my requirements). Having no min redemption is also a plus. But I also needed a MasterCard as I have 2 Visas with no FTF and a Discover.

Overall a big win, as I have never had a relationship with Cap1 and hope that they may treat me well.

[kaw943]

Congrats on the approval, have fun on your trip.

[Anonymous]

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@Anonymous wrote:
I thought I'd post to add a data point. I was accepted for the Premier Dining card by Cap1. I got a 10K limit which is my highest. I have my scores in the 770 range for FICOs. But my income is only 20K annually.

I already have two 2% back cards and the Marvel card for 3% Dining. The reason I got the card was for no FTFs, as I'm planning a trip overseas and dining and groceries will be big expenses (I don't travel enough for a dedicated travel card, nor am I loyal to a brand, just whatever is cheapest with my requirements). Having no min redemption is also a plus. But I also needed a MasterCard as I have 2 Visas with no FTF and a Discover.

Overall a big win, as I have never had a relationship with Cap1 and hope that they may treat me well.

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What is your AAoA?

[Anonymous]

A little over 3 years for AAoA.

[BronzeTrader]

Congrats!

[torebuild2014]

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@Anonymous wrote:
I thought I'd post to add a data point. I was accepted for the Premier Dining card by Cap1. I got a 10K limit which is my highest. I have my scores in the 770 range for FICOs. But my income is only 20K annually.

I already have two 2% back cards and the Marvel card for 3% Dining. The reason I got the card was for no FTFs, as I'm planning a trip overseas and dining and groceries will be big expenses (I don't travel enough for a dedicated travel card, nor am I loyal to a brand, just whatever is cheapest with my requirements). Having no min redemption is also a plus. But I also needed a MasterCard as I have 2 Visas with no FTF and a Discover.

Overall a big win, as I have never had a relationship with Cap1 and hope that they may treat me well.

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Congrats on this card. I got this one a couple of months ago and am really enjoying it. Just in case you were not aware, it also does 2% at discount stores. (i.e. Walmart)

[Anonymous]

Congrats on your new card and your trip. Have fun!

[Anonymous]

2% on discount stores? Either they didn't advertise it or the MCC is groceries at your Walmart. If it is, I'll be even happier. And thanks for the congrats from everyone.

[LadyJEsq]

Congrats OP! This is a card that I really want, but I can't upgrade nor get a prequal for it. Guess C1 isn't happy with how little I use my QS. 

[torebuild2014]

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@Anonymous wrote:
2% on discount stores? Either they didn't advertise it or the MCC is groceries at your Walmart. If it is, I'll be even happier. And thanks for the congrats from everyone.

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They told me during a question I asked on the chat, so I used the card at the local Walmart Superstore and it is definitely calculating at 2%. I obviously cannot speak for every Walmart but it worked at this one and I have used it several times(see below)

(From Statement ). (edited to remove store number)

09/12/2017

WAL-MART #XXXX ($35.38)

$0.71 Cash

Earn

09/05/2017

WAL-MART #XXXX ($34.56)

$0.69 Cash

Earn

Capital one chat regarding questions I have about the Premier Dining Rewards card categories.

You

01:13 PM

Jason

01:13 PM

Hello torebuild2014

Jason

01:13 PM

Glad to have you on chat. How may I assist you today?

You

01:14 PM

I have a question about the Dining Premier Card. Can you tell me what qualifies for dining and groceries

Jason

01:16 PM

I will be right with you.

Jason

01:16 PM

You will earn unlimited 3% cash back on dining, 2% on groceries, and 1% on all other purchases.

Eating Places and Restaurants 

Drinking Places: Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques and 

Fast Food Restaurants are consider as Dining. 

Jason

01:17 PM

Discount Stores.

Grocery Stores and Supermarkets

Freezer and Locker Meat Provisioner

Candy, Nut, and Confectionery Stores

Dairy Products Stores

Bakeries and 

Miscellaneous Food Stores: Convenience Stores and Specialty Markets are consider as groceries.

You

01:18 PM

What is considered a discount store?

Jason

01:19 PM

Discount Stores mean any merchant provide Discount on their product. 

You

01:19 PM

Like Walmart?

You

01:19 PM

or Sams

Jason

01:19 PM

Yes, that is correct, if Walmart provided discount it may consider as Discount Stores.

You

01:20 PM

okay thanks