@AverageJoesCredit wrote:
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
I think you need to stop basing your credit decisions off 2 years ago as 2 years is a long time in the credit world , especially if one factors 5/24 but is always tempted by something in meantime lol. You now have established credit history, and for a company like Capital One who often approves all types of profiles, giving a couple hps are not the end of the world. Imo. My personal opinion is life is too short, if you really want a credit card, go for it. If they say no, stinks, but there definitely are other credit cards out there and reward cards are a dime a dozen. Wish you luck on finding the right card but dont let hypotheticals stop you from applying
This is a good point. The issue with Cap1 tho is if they say no the penality is much higher then others as you take a HP at each bureau. You can apply apply and be denied the SUB but offered a card which is also kinda crappy.
But as you say if you don't venture nothing to gain 
The Navy Fed looks like a nice card but sadly I can't become a member there.
@Anonymous, while it is true CapOne hits applicants with 3 HPs, unless you already have a number of HP recorded at each credit bureau, there really is no point penalty as their HPs count as only 1 per bureau.
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
Where are you getting this from? As a number of commenters have stated, that is not the case. Myself included. If you're interested in the card then go for it.
I would try getting in the door with Amex, the BCE is 3% groceries and 2% gas. Only one hp from EX. I like Amex over the other ones because it is very smooth to use and are generous with limit increases. When you make a payment Amex will withdraw the money from your checking in a couple of hrs same day; I really like that.
No card is perfect, for 3% gas you can have BankOfAmerica, 3% dining, 3% drugstore, 5% travel Chase freedom, Citi DC for everyday else.
I'm focusing on 0 annual fee cards. Plenty of options and diversity is good.
@Anonymous
