newballs

I am thinking of applying for this card because I have some leftover KE miles (8,636 miles) and I don't think I will fly KE as much as before.

With this card, I believe in the next few years I will be able to build up the mile to a useable amount.

I don't see much discussion about this card on FT. (I guess it's not a mainstream card, and 1 miles every 2 dollar kind of sucks. However, I am very patient.)

It's certainly not the best deal out there. But I don't want to pay annual fee for KE cards.

Chase Sapphire Preferred is a great deal but my credit history may not be long enough and the score is not high enough to qualify yet.

So the KE one could work for me.

Anyone here actually using this card? Is it an okay card? Any experience with this card will be helpful. Thanks in advance!

mia

Curious why you think your credit history and score are adequate for US Bank, but not for Chase?

kebosabi

I actually have this in my drawer. With no annual fee and no balance on it, I hardly use it except when making KE purchases when I travel Japan-Korea.

For mileage activity purposes it's alright, since I only use my KE miles to get between Japan-Korea or upgrade flights like HND-GMP or so.

I wouldn't call it as a good "main credit card," but if you have banked KE miles, it's a good way to keep it active for some low-ball purchases.

newballs

Well, the KE card popped up in Credit Karma "Good" chance of approval while Chase Sapphire Preferred was listed in "Poor" chance of approval, though Chase Freedom Visa is listed in "Good" chance of approval.

Thanks for the input and suggestion. I guess if I am approved, I'll use this card in pretty much the same way as you do.

Apart from a hard inquiry, I don't see any other thing that may be bad. So I will go ahead and apply.