@Tinkiegrrl wrote:I need a dining card. It's an embarrassingly large portion of my monthly spend and not likely to change anytime soon as I'm a lousy cook and I live in NYC, surrounded by really great food within spitting distance of me. I am weak to this temptation and unwilling to kick the habit so spare me the lecture. It'll do me no good, I assure you. I'm a dining out junkie, okay?
That said, I spend about $1k on restaurants a month. Way too much for the Citi Custom Cash before any of you suggest that. Hence why I cleared the deck for the US Bank Altitude Go instead. As of this Saturday, I will have no new accounts for an entire year. I want to know the odds of my getting this card with a limit higher then the measly $500 that I see is common with US Bank. Also, before I apply for it, if anyone has suggestions on other dining cards I should consider, let me know. I heard of the Redstone Federal Credit Union Visa Signature with 5% back on dining, but I wonder what the odds on that getting nerfed at some point are? Only interested in cash back at this point. I don't travel enough to justify travel cards. Anyway, here's what my file looks like:
Capital One Quicksilver opened March 2021 CL $4400
Discover It opened April 2021 CL $5000
Cred.ai opened May 2021 CL $1500
Apple Card opened Sept 2021 CL $15400
Affinity FCU Pure Rewards opened Jan 2022 CL $3000
Amex BCP opened June 2022 CL $26000
Affinity FCU Cash Rewards opened June 2022 CL $8200
Affinity FCU line of credit opened June 2022 CL $6500
Income: $50k
Scores: EX8 764 EQ8 774 TU8 761
Should I got for the US Bank Altitude Go? Redstone perhaps? Both lol?
I have no experience with dining cards over 3% but the Altitude looks good to me. I don't think you have to worry about a low limit. You have the credentials for a decent limit.
@Tinkiegrrl It's a great card, and I find that my family and I are consistently using it, even though I've got 5% options with the Citi CC and rotators. I find that US Bank's dining/restaurants category is broad and includes some of our local spots that don't qualify with some other banks (i.e. Boudin Sourdough counts even though it's a bakery, and there's some other small establishments that count too). I like that you don't have to worry about caps and there's no FTF, so I always use it when I travel internationally. Add to that the small streaming bonus statement credit and it's always a net positive card.
Similar to you, I'm in a city environment and dining is my highest spend category. I max out my $500 on the Citi CC first (or Langley FCU/rotator that may have dining at the time) and then hit the GO for the rest. My DW and DS use the GO exclusively since I don't want to confuse them in my rotator game. It's a fantastic all purpose dining card, go for it!
The Redstone card looks great too, but there is a $7k annual cap on dining, but you'd get the 5% on gas too (which also has a separate $7k cap). Also no FTF, a bunch of 3% categories, and 1.5% on everything else.
Hi @Tinkiegrrl, congrats on the approval!
I'll request for this thread to be locked, and any further discussion can take place on the new thread over in approvals.
https://ficoforums.myfico.com/t5/Credit-Card-Approvals/US-Bank-Altitude-Go-Approval/m-p/6693098
US Bank does a lot of manual review
