Credit Score: 688 Credit Limit: 3500 Age: 18-24

Posted 02/08 2019

I recently applied for this card in order to transfer a balance from an existing card and hopefully boost my credit by increasing the number of accounts I pay towards. At the time my credit score was 720, but I was denied (which has since impacted my score) - I have less than 5 years of credit history and currently have a pretty high balance on my Discover card (around 70% utilization) due to some rough financial patches and family issues. However, when I called the reconsideration line, I explained the situation and emphasized that I have never missed a payment and consistently pay early and above the minimum in order to work the balance down. The CSR I spoke to was very understanding and helpful, and overturned the denial to offer me a $3500 CL for this card. Very excited to take this card with me to Tokyo this spring!! (-:

 

Credit Score: 710 Credit Limit: 10000 Age: 25-34

Posted 01/04 2016

My score was TU 705, EQ 715 when I applied. I have been rebuilding my credit for the last 3 years and am super psyched that I was approved for $10k CL. Woo hoo! I expect my score to inch up over the next six months.

 

Credit Score: 805 Credit Limit: 15000 Age: 35-44

Posted 11/02 2015

I got my bonus immediately after I met the required spending. I love the 10% bonus, trip-it-pro (which I have never used before but found it so useful). You earn points really quickly as well with the double points. I used the Chip and Pin in Europe and it worked like a charm.

 

Credit Score: 789 Credit Limit: 10000 Age: 35-44

Posted 10/21 2015

I travel abroad to Europe every year. What I really like about this card is the absence of foreign transaction fees and the fact that it is s chip and pin card. Yes, chip and pin and not chip and signature like most other US based cards. Website is also easy to navigate.

 

Credit Score: 775 Credit Limit: 10000 Age: 35-44

Posted 06/28 2015

When I got this card, my credit ratings were at the 770 area on average. I got instantly approved for $10k.

I have been using this as my main card and over the last 2 years, I have redeemed about close to $1900 in travel rewards. That means 2 of my vacations have been paid for. There is a $89 annual fee. But for me, it is worth it because you really earn a lot of points quickly with their double points for every dollar formula. I have not spoken to their customer service reps at all but the website seems very intuitive.

Also, over the last 2 years, I got a couple of automatic credit line increases and now I am at 18k.

 

Credit Score: 708 Credit Limit: 12000 Age: 25-34

Posted 06/11 2015

Scores are 703 for TU and 710 for EQ. I recently applied and got a $12k credit line. Have been rebuilding for 3 years and this is my highest credit line I have gotten.

You earn points very fast when you can get 2X for every dollar. The 40k bonus was very nice as well.

Would recommend this card.

 

Credit Score: 783 Credit Limit: 10000 Age: 45-54

Posted 03/05 2015

Got my card a couple of months ago. Was approved instantly online. Received my 40K points instantly after meeting the spend requirements. The points posted very quickly and I did not have to wait for statement to close. I just redeemed points for a hotel stay on booking.com. So far so good.

 

Credit Score: 784 Credit Limit: 5000 Age: 25-34

Posted 01/24 2015

After years of waiting, all my baddies were finally removed from TU and EQ. I was on a hunt for specifically a travel rewards card. I had bad experiences with Capital One before so that ruled out the venture for me. I was also looking at Chase Sapphire Preferred, Amex Gold and even the Citi TY. But I decided that it would be too much time for me trying to figure out the best use of points and which FF program to transfer points to. So I finally settled on the Arrival.

I applied but got the dreaded 10 day message. So I decided to call the recon line. CSR asked me questions about my income and why I had inquires the last 12 months. I explained that I was trying to rebuild my credit so that I could finally get a card like this one! He said that he liked the fact that my utilization was low and I usually paid more than the minimum required. After putting on hold, I was given a $5k line.

This will now be my main card and I will charge everything to it.

 

Credit Score: 800 Credit Limit: 5000 Age: 35-44

Approved 45 months after Bankruptcy

Posted 01/13 2015

I was discharged from a BK 7 about 4 years ago and have been working very hard to reestablish my credit. I did not burn any credit cards during the BK so that probably helped. After a couple of secured cards, I managed to get a few Cap One cards like Quicksilver and Prestige MasterCard. They all had very small credit lines (like $1k to $1.5k). My score had recovered to high 700 and 800 for TU when I applied for the Arrival. Got approved for $5k. This is my card with the highest line so far and I am over the moon about this.

 

Credit Score: 735 Credit Limit: 10000 Age: 25-34

Posted 01/11 2015

I do not have a long credit history. It's about 2 1/2 years. My score is about 735 (I think). I did not give myself a great chance of getting approved. But I got it for a $10k limit and a 14.99% interest rate. I pay my bills in full so the rate does not really matter.

 

Credit Score: 797 Credit Limit: 14000 Age: 35-44

Posted 12/11 2014

Got a high 700ish score and got 14k CL. This is now my everyday card. Rewards post fast and since I use rewards just for travel, this card works out great for me.

 

Credit Score: 749 Credit Limit: 11000 Age: 25-34

Posted 12/10 2014

Applied online and got approved immediately. Score was 750 and got $11k CL. I met the spending requirement pretty quickly and the 40k bonus was posted to my account the next day. In contrast my Citi TY account and Chase cards only post on the statement date. 2X points + the 10% redemption bonus means that for every $1 that you spend, you actually get back $2.20. This is better value than any card that I have researched prior to my application.

 

Credit Score: 723 Credit Limit: 7000 Age: 25-34

Posted 12/09 2014

Absolutely love this card. This is an ad by Capital One on TV where it shows how difficult it is to redeem points on traditional frequent flyer programs. I have the Delta points in my Skymiles account after years of flying with them on company business trips. I can say that redeeming them for the lowest tier (lowest number) of points is close to impossible. I would rather much prefer a card like this and earning 2% on everthing (and not just Delta flights with my old Delta Platinum). If you know your travel plans in advance and know how to look for cheap flights on various aggregators, then a card like this can get you more value in many cases than FF programs and points.

 

Credit Score: 805 Credit Limit: 15000 Age: 35-44

Posted 12/07 2014

I have an 800 score and got approved for $15k CL. Can't resist the 40k sign up bonus and the 2X earnings. Plus this is a chip card (though I am still getting used to inserting the card differently through the new card readers).

 

Credit Score: 739 Credit Limit: 6000 Age: 25-34

Posted 08/01 2014

Love this card. Prior to this, I have the Chase Freedom. While it was great when you could earn 5% cash back, like some of the posters here, it gets irritating after a while since you have to keep signing up every 3 months for that bonus. This card was much simpler. You get 2% for everything and that's it. When I got the card, my score was in the low to mid 700s and my CL was $6000. It was ok, but I honestly though I would get a higher limit since I have a $10000 limit with Chase and that was when my score was slightly lower when I applied for it. I have not had the chance to ever call customer service yet so I cannot comment on that. But I would give this card a five star rating.

 

Credit Score: 763 Credit Limit: 9500 Age: 45-54

Posted 02/11 2014

love the fico score. Love the double miles. No complaints so far.

 

Credit Score: 793 Credit Limit: 12000 Age: 45-54

Posted 10/02 2013

I was really deciding between this and the Capital One Venture because they look really the same in terms of the rewards. But several factors tipped this card in it's favor. Firstly, if you redeem points for travel (and it is really easy), you get 10% of the points you redeem back into your account. Cap One does not have this feature. There is also the trip it pro feature which I am beginning to really like. From my experience with the card, points seems to post to your account almost immediately unlike other ones. I would recommend this card.

 

Credit Score: 780 Credit Limit: 10000 Age: 35-44

Posted 08/25 2013

Was very tempted by their sign up bonus (40k if I recall correctly). I was previously flying a lot with United but since I do not fly so often and still want to earn points for airline tickets, I decided that this was the card to get. It has worked out great so far in terms of statements and points. So far, I have no complaints.