Posted by William Charles on June 20, 2016
Credit Cards

Published on June 20th, 2016 | by William Charles


Is Bank of America Limiting You To One Alaska Card Per 90 Days?

A few days ago a reddit user posted saying they had applied for two Alaska Airlines personal cards (with the 30,000 mile offer + $100 statement credit), the first was instantly approved and the second was denied due to it being a duplicate (this almost always happens) after confirming that they meant to apply twice a representative said they were still denied and stated that this was due to the fact that they had more than one application for this card in the last 90 days. One representative stated this was a new rule and the other stated it’s been this away for as long as they can remember.

Now as we know, one data point doesn’t make a rule and we usually can’t trust what front line customer service representatives state as fact. So let’s dig a little deeper and see what we find.


Data Points

  • Approved for two or more cards within 90 days: 1 (one app was over a month ago), 2, 3
    • With Bank of America deposit accounts: 1, 2
  • Denied for more than one card within 90 days:

One person was actually given this reason as to why they were denied for a better balance rewards card after applying for an Alaska card, so it doesn’t seem to be Alaska specific.

Our Verdict

It looks like Bank of America is applying this rule some of the time, but not all of the time. They might just be using more than one application within 90 days as an excuse for applications that they would have denied anyway, but I doubt it. If the rule is just for Alaska personal cards then you could try to mix a business application in as well (30,000 mile sign up bonus, but no $100 statement credit). As always, if you have any data points then please share them in the comments below.

22 Responses to Is Bank of America Limiting You To One Alaska Card Per 90 Days?

  1. Aryeh says:

    Any data points for applying for both a Biz and personal at same time?

  2. PugLife says:

    This is def. YMMV. I successfully applied April 11th for my 4th personal card, and applied (again successfully) for my 5th one on the Jun 6th.

  3. Lantean says:

    OT… but there is a hidden Visa gift card deal at Staples. Buy $300 worth of Visa gift card in-store, get $15 rebate Visa card.limit 1. Rebate #16-77541.
    I just did this myself, rebate printed just fine. Paid with Ink obviously.

  4. tim says:

    About 9 months ago my wife and I were both denied for the personal Alaska cards. Our scores are usually about 830-840. When I called the reconsideration line I was told the 90 day rule (it had been about 60 days since our last app). Ever since then I’ve put an alert on my phone to apply every 90 days for each of us and have not had a problem. Four cards for each of us at any given time is plenty 🙂 Hope this helps!

  5. James says:

    I was approved for both the personal and business last week (before the business increase -_-)

  6. liang says:

    data point: applied alaska, and spirit both sides last week in the same day, both approved.

  7. Alan says:

    Applied 2 BBR, 1 123 in the same day,

    1 BBR and 1 123 got approved, 1 BBR got declined due to duplicate application

  8. Becky says:

    Applied 5/24 and 6/20 for hubby and got approved. Mine were apps on 4/22 and 5/24 with instant approval. I’m wondering if the new bonus might count as a “new card” but if you try to get 2 of the new cards, the 90 day language applies?

  9. jose says:

    Was approved for two within 60 days both personal. One was approve instantly , other was pending approval (about 2 weeks). One was with 25 bonus other for 30. Long time customer of BOA.

  10. John Richard Stewart says:

    We did the personal for each of us two weeks ago, 30k + $100.
    We did the business for each of us last night, immediate approval.

    • Greebo says:

      I can confirm this too. Two personal 2.5 weeks ago, and one business yesterday. No banking relationship. I was wondering if I snuck in before the this policy was enacted. Jury still seems to be out.

  11. Voodoo says:

    NRA ads? come on doc.

    • Ads are served by Google Adsense, we don’t have any oversight on what ads are displayed. I don’t want to individually excludes ads as then it means I’m endorsing some over others.

  12. David L says:

    which sites can you get a free experian report?

  13. JRZ says:

    How long does it take for the Companion Pass to show up on the account? I applied over a month ago, and it is still not there.

  14. Brandon says:

    Don’t know if things have changed recently, but was just denied from another BOA Alaska personal card because I already had an Alaska account open. Last open was in July 2016, so not within the 90 day limit. Perhaps they’re cracking down on duplicates? I’ll try closing my existing accounts and try again (hopefully within 30 days so they can used the same hard inquiry).

  15. John says:

    Yep I just got denied an alaska personal CC for the same reason.

    “you already have an alsaka CC.

    Anyone have this experience for the Buisiness card?

    Anyone else get denied?

    Any work arounds?


  16. Jake says:

    I applied for my second personal BoA Alaska and a Business card same-day. Getting both.

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