I applied for this card in spite of the poor approval odds from Credit Karma. My Fico score is 694, Transunion 704 and Equifax is 692. My credit utilization is 12% and I have no late payments or collections. I was approved instantly for 7k. It took about a week to get the card and I started using it right away. I was worried that it would decline at places like a lot of the reviews have mentioned. So far, so good, no decline and the points are racking up. I have zero percent interest for 9 months which is great, but I pay my bills before the statement even comes out so I don’t pay interest anyway. 😃
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Months on qualifying balance transfers
- Balance Transfer Regular APR 16.24% - 27.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 16.24% - 27.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I was informed by a banker I could request a credit limit increase without another hard pull. I explained to them that this would be used as a primary card and that my monthly expenses are high and would look bad with my current credit limit. They pretty much said 'makes sense' so they agreed they'd raise it. I then received a letter a couple days later saying my request was denied, -_-what gives? Not only that, in only just 2 weeks my card has already been declined multiple times and it takes about 10 minutes over the phone every time to get them to unblock it again.
Being an AMEX card I thought I would receive a high credit limit, I was mistaken. I have a score of 797 and a fairly high income. I was only approved for $2500, how disappointing. I will most likely only use this card for the bonus and then cancel.
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See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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