Also, will I get approved? I put about 2k through my Chase Freedom a month for 13 months but limit is only $1,700 after being raised from $1,200 a few months ago. I'm constantly spending $200, paying it off and repeating so that's kinda why I want this card.
No car payments, loans, etc. Other than my apartment checks, not much credit.
I'd say the Cash Rewards card because, you know, eff annual fees.
The rewards aren't worth much, I only use mine for international charges.
I just took a look at the Capital One Cash rewards card and it claims I must have this history if I'm likely to be accepted:
"I have had a loan or credit card for 3 years or more with a credit limit above $5,000"
Is it possible I'll be accepted at $1,700 limit for just over 1 year? If it's highly unlikely I don't think I'll bother.
Hard to say. If you aren't approved for *that* card, they will likely offer you *some* card. If I'm not mistaken all CO cards have no Foreign Transaction fee, so you could use it for foreign purchases until your credit is good enough to convert to a rewards card.
I can't seem to find any info about annual fee. Is there one?
No annual fee. Looks like a great card so I applied for that one and got it with a $7,500 limit. My GF is applying for the Capital One card so I can get 5% cash back on the $2,500 of plane tickets and we can use the foreign transaction card abroad. Thanks
**Also, if people are interested, all I had to do was call a US Bank branch and they applied for it over the phone. I have no history with them so I see this as a GREAT supplement for Chase Freedom because you get 5% cash back on gas with Chase (6/12 months a year) and other great perks on this card for other places.
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