topic Re: Capital One Dining card in Credit Card Approvals

Capital One Dining card

Anonymous — Thu, 21 Sep 2017 03:31:52 GMT

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.

Re: Capital One Dining card

kaw943 — Thu, 21 Sep 2017 07:28:23 GMT

Congrats on the approval, have fun on your trip.

Re: Capital One Dining card

Anonymous — Thu, 21 Sep 2017 09:22:38 GMT

@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.

What is your AAoA?

Re: Capital One Dining card

Anonymous — Thu, 21 Sep 2017 10:14:25 GMT

A little over 3 years for AAoA.

Re: Capital One Dining card

BronzeTrader — Thu, 21 Sep 2017 12:19:10 GMT

Congrats!

Re: Capital One Dining card

torebuild2014 — Thu, 21 Sep 2017 14:24:36 GMT

@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.

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)

Re: Capital One Dining card

Anonymous — Thu, 21 Sep 2017 14:58:14 GMT

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

Re: Capital One Dining card

Anonymous — Thu, 21 Sep 2017 16:23:29 GMT

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.

Re: Capital One Dining card

LadyJEsq — Thu, 21 Sep 2017 17:34:01 GMT

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.

Re: Capital One Dining card

torebuild2014 — Thu, 21 Sep 2017 18:13:12 GMT

@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.

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

Re: Capital One Dining card

AverageJoesCredit — Tue, 03 Oct 2017 18:55:17 GMT

Amazing job, eat well