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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.
What is your AAoA?
Congrats!
@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)
Congrats on your new card and your trip. Have fun!
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.
@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