Best Current Credit Card Sign Up Bonuses & Offers For February, 2019
A list of the best current credit card sign up bonuses & offers for February, 2019. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).
Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.
A few final thoughts before we get to this list:
- There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
- I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
- I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly.
- If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.
Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.
Contents
- 1 Personal Cards
- 1.1 Barclays Arrival – 70,000 Points + Annual Fee Waived
- 1.2 U.S. Bank Altitude Reserve – 50,000 Points
- 1.3 Wells Fargo Propel World 40,000 Points In Branch Or Phone
- 1.4 Bank of America Premium Rewards 50,000 Points + $100 Travel Credit
- 1.5 Capital One Savor $500 Cash Bonus
- 1.6 Bank of America Alaska Airlines 40,000 Miles
- 1.7 AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
- 1.8 American Express Hilton Ascend – 150,000 Points
- 1.9 Terps Credit Card – 50,000 Points
- 1.10 Discover it – $50 + Double Cash Back
- 1.11 PenFed Pathfinder Rewards American Express – 25,000 Points
- 1.12 Chase Disney $200 Statement Credit
- 1.13 Bank of America Spirit Airlines – 30,000 Miles + $100
- 2 Business Card Bonuses
- 2.1 U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]
- 2.2 Wells Fargo Business Platinum – $500
- 2.3 Chase Ink Cash – $500
- 2.4 American Express Hilton Business Card – 125,000 Points + $100
- 2.5 Chase United Business 75,000 Miles
- 2.6 Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points
- 2.7 Barclays Hawaiian Business Card – 60,000 Miles
- 2.8 Bank of the West – 60,000 Points (Worth $450) – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- 3 YMMV/Targeted Offers
- 4 Not On List
- 5 Recent Changes
- 6 Final Thoughts
Personal Cards
These cards are listed in order from absolute best to best (e.g the better cards are at the top).
Barclays Arrival – 70,000 Points + Annual Fee Waived
Annual fee of $89 is waived, this is by far the best bonus we’ve ever seen on this card. Standard is 50,000 points, we recently saw 60,000 and now we have this massive 70,000 point offer.
U.S. Bank Altitude Reserve – 50,000 Points
Card has always offered the same bonus, but it’s still worth up to $750 so should be seriously considered. The bonus did actually get better when they added real time rewards meaning you didn’t need to use the U.S. bank travel portal to get 1.5¢ in value.
Wells Fargo Propel World 40,000 Points In Branch Or Phone
Our review of this bonus & method in branch or by phone
This card isn’t available online anymore. Card also comes with $100 in travel reimbursements each year and the annual fee of $175 is waived the first year as well. Points are worth 1¢ each so this bonus is worth $400 + the $100 in travel reimbursements. We used to have this card at #1 as it seemed like it would be pulled sooner rather than later, but after about six months of still sticking around after a possible March 31st, 2018 end date I really don’t think there is much of a rush anymore.
Bank of America Premium Rewards 50,000 Points + $100 Travel Credit
Link to our review of this card
Card comes with a 50,000 point sign up bonus worth $500 towards statement credit. In addition you get a $100 travel credit each calendar year, downside is that this can only be used on domestic originated flights (not sure how or if this is actually enforced yet) and a $95 annual fee.
Capital One Savor $500 Cash Bonus
Link to our review of this offer
Card comes with a $500 cash bonus. $95 annual fee is waived the first year.
Bank of America Alaska Airlines 40,000 Miles
Previously the best bonus on this card was 30,000 miles + $100. For those interested in Alaska miles I’m assuming that they value miles at more than 1¢ each and that’s why this new offer is better than that older offer.
AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.
American Express Hilton Ascend – 150,000 Points
We’ve seen bonuses of 125,000 points before or 100,000 points + free night on anniversary. This is a better bonus if you value points or don’t want to pay a second annual fee.You can also get another free night certificate if you spend $15,000 within a calendar year.
Terps Credit Card – 50,000 Points
Points are worth 1¢+ each. Card doesn’t get much coverage on other sites but considering it’s a bonus of $500 for $5,000 in spend it’s definitely worth considering.
Discover it – $50 + Double Cash Back
The sign up bonus on this card is low ($50 when you use a referral) but the real bonus is that after the first year you get your cash back doubled for that year (not including the $50 referral bonus). This card has 5% rotating categories (up to $1,500 in spend per quarter), this means you’ll get 10% cash back on those categories. This card really only makes sense if you’ll be able to max out those categories at least some of the time.
PenFed Pathfinder Rewards American Express – 25,000 Points
Not the biggest bonus, but it does come with a $100 annual travel credit statement and there is no annual fee so there should be good long term value to keeping this card.
Chase Disney $200 Statement Credit
Definitely the smallest bonus on this list, but when you use a referral link the person’s link you use also receives a $100 Disney gift card. Usually this bonus is a $200 Disney gift card and the person referring you receives a $50 gift card, so significantly better than normal. It’s also not subject to the Chase 5/24 rule.
Bank of America Spirit Airlines – 30,000 Miles + $100
Best offer ever we’ve ever seen on this card. Holding this card also gets you discounted award flights and points don’t expire as long as purchases are made on the card.
Business Card Bonuses
U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]
This card gives you a sign up bonus of $200 after $1,000 in spend. The interesting thing is you get that sign up bonus for each employee card you add as well and you can add up to 10 of them. That means you can get a bonus of up to $2,200.
Wells Fargo Business Platinum – $500
Nice and simple $500 bonus for $5,000 in spend. Deal becomes even better when you pair it with a new Wells Fargo business checking bonus of $500 or $1,000.
Chase Ink Cash – $500
Standard sign up bonus is only $300, it has been possible to get $500 by applying through a business relationship manager for some time but that won’t be available to everybody so this offer is useful. Keep in mind this card does not count towards your Chase 5/24 total, but the Chase 5/24 rule does apply.
American Express Hilton Business Card – 125,000 Points + $100
Previous offer on this card was 100,000 points. I don’t see it going any higher than 125,000 points in the short to medium term so if you have a need for Hilton points then this card is worth signing up for. Also a nice extra $100 when doing a dummy booking via Hilton.
Chase United Business 75,000 Miles
We’ve never seen a public bonus this high on this card before, in addition Chase business cards do not count towards your 5/24 status (although the 5/24 rule does still apply to that card). Very strong offer if you have any use of United miles at all.
Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points
This is the standard bonus on this card, we’ve never seen a higher or lower bonus as far as I’m aware. Similar to the United card above this does not count towards your 5/24 status but the 5/24 rule does still apply to this card. As long as you already have another Chase UR earning card with an annual fee you can transfer these points to Chase’s travel partners.
Barclays Hawaiian Business Card – 60,000 Miles
Previous best bonus was 50,000 miles, this is an extra 10,000 miles but requires $1,000 in spend rather than just a single purchase. Only downside is trying to get approved for multiple Barclays cards can be difficult and lots of people will prefer the JetBlue 50k business offer mentioned above. This is also only available in flight
Bank of the West – 60,000 Points (Worth $450) – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
Another state restricted bonus. Bonus is 60,000 points after $5,000 in spend, those points are worth ~$450. Card is only interesting for the sign up bonus.
YMMV/Targeted Offers
We’ve decided to create a new section for YMMV or targeted offers. These are all great offers, but they either require being targeted or have some other restriction in place. We haven’t listed offers that are only available in certain states, those will still be listed above
Platinum 100,000 Point Offer
Read our review of this offer | Another way to get this offer
Not everybody is able to get this offer to show, but if you are then it’s a great offer. Just keep in mind it does have a massive $550 annual fee, but for that you get good lounge access, $200 in airline incidentals per calendar year (so you can get it twice and only pay the annual fee once) and $200 in Uber credits per card member year as well. Obviously not for everybody, but if you can maximize those airline incidentals then this is a really great offer. There is also an upgrade offer of 60,000 points without the lifetime language, unfortunately that is targeted.
Various American Express Delta Offers – No Lifetime Language
It’s currently possible to get up to 75,000 miles and up to $200 in statement credits on the American Express Delta co-branded cards. These offers don’t have the lifetime language present, meaning you’re eligible for the bonus even if you’ve had that specific card before.
Not On List
This section explains why some popular cards/offers aren’t listed.
- Citi American Airlines 70,000 mile personal/business cards. Previously it’s been possible to sign up for an offer of 50,000 miles + $200 and then get matched to 70,000 miles and still get the $200 in statement credits. Currently there is a 40,000 + $200 offer, so I’m hopeful that 50,000 + $200 offer that can be matched to 70,000 will come back soon.
- Chase Ink Business Preferred 80,000 point offer. This is a strong bonus and normally we’d have it listed. That being said we have seen a bonus of 100,000 points before. As time goes on and we don’t see that 100,000 point bonus return, it makes this 80,000 bonus more attractive. I do still think it’s worth waiting, but others might disagree.
Recent Changes
I thought it would be useful to list when and why I make changes here.
- [2/17/19] Removed Capital One Spark Cash $2,000/200,000 Miles Bonus
- [2/10/19] Removed AmaZing Business Credit Card – $500 or $1,000 TX, CA, CO & UT
- [1/28/19] Removed Citi Premier 60,000 Points, Annual Fee Waived
- [1/20/19] Added Bank of the West – 60,000 Points (Worth $450) – AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
- [1/16/19] Added Chase Ink Unlimited 50,000 Chase Ultimate Rewards Points
- [1/16/19] Added Chase United Business 75,000 Miles
- [1/10/19] Removed Navy Federal Credit Union 50,000 Point Bonus
- [1/10/19] Removed City National Bank Crystal Visa Infinite 75,000 Point Sign Up Bonus
- [1/8/19] Removed Barclays JetBlue 50,000 Points
- [1/8/19] Removed Barclays Choice Privileges 64,000 Point Offer
- [12/11/18] Removed Capital One Venture 75,000 Points
- [12/08/18] Removed Avianca 60,000 Mile Bonus
- [11/13/18] Added Capital One Venture 75,000 Points
- [11/13/18] Added Capital One Spark Cash $2,000/200,000 Miles Bonus
- [11/13/18] Added Various American Express Delta Offers – No Lifetime Language
- [11/12/18] Added Citi Premier 60,000 Points, Annual Fee Waived
- [11/12/18] Added U.S. Bank Business Edge Cash Rewards $200 Bonus for Each Employee Card [$2,200 Bonus Possible]
- [11/12/18] Removed American Express Business Gold Rewards 75,000 Points
- [11/01/18] Removed Barclays Aviator Business 60,000 Miles. Bonus reduced to 50,000 miles.
- [10/23/18] Added Avianca 60,000 Mile Bonus
- [10/21/18] Removed Citi ThankYou Premier – 60,000 Points – Annual Fee Waived
- [10/09/18] Added Bank of America Spirit Airlines 30,000 Miles Bonus
- [10/08/18] Added Barclays Choice Privileges 64,000 Point Offer
- [10/08/18] Added Barclays Hawaiian Business Card – 50,000 Miles
- [10/08/18] Added U.S. Bank Altitude Reserve – 50,000 Points
- [10/08/18] Added Terps Credit Card – 50,000 Points
- [10/08/18] Added Wells Fargo Business Platinum – $500
- [09/25/18] Page had been neglected for too long, made some major changes
- [09/23/18] Added AmaZing Business Credit Card – $500 or $1,000 TX, CA, CO & UT
- [09/20/18] Added Barclays JetBlue 50,000 Points
- [09/05/18] Added Navy Federal Credit Union 50,000 Point Bonus
- [09/02/18] Removed Chase Marriott Business Premier 75,000 Points
- [08/21/18] Added Barclays Aviator Business 60,000 Miles
- [08/15/18] Added Capital One Savor $500 Cash Bonus
- [07/04/18] Added Barclays Arrival – 60,000 Points
- [07/03/18] Added Barclays Wyndham 45,000 Points
- [06/29/18] Removed Avianca LifeMiles Credit Cards 40,000 & 60,000 Miles Bonuses After One Purchase
- [05/18/18] Removed Chase Hyatt 40,000 Points + $50 Statement Credit
- [05/18/18] Removed Barclaycard Wyndham – 45,000 Points
- [05/18/18] Removed American Express Delta Platinum – 70,000 Miles + $100 Statement Credit + 10,000 MQM
- [05/18/18] Removed Chase Southwest Business Premier – 60,000 Points
- [05/18/18] Removed Chase Southwest Plus/Premier 50,000 Points
- [05/18/18] Removed Chase In Branch Offers (Freedom & Freedom Unlimited 30,000 Points & Sapphire Preferred/Reserve 60,000 Points)
- [05/17/18] Added American Express Hilton Business Card – 125,000 Points
- [05/17/18] Added American Express Hilton Ascend – 100,000 Points + Free Night Certificate On Card Anniversary
- [05/07/18] Removed American Express Mercedes-Benz Platinum – 60,000 Points
- [04/30/18] Added Barclays Aviator Business 50,000 Miles
- [04/01/18] Removed American Express SPG Business 35,000 Points
- [03/25/18] Added Chase Ink Cash – $500
- [03/02/18] Added American Express Delta Platinum – 70,000 Miles + $100 Statement Credit + 10,000 MQM [Personal & Business]
- [03/02/18] Added American Express Mercedes-Benz Platinum – 60,000 Points
- [03/02/18] Added American Express SPG Business 35,000 Points
- [02/24/18] Added Banco Popular Avianca Vuela – 60,000 Miles
- [02/24/18] Added Citi ThankYou Premier – 50,000 Points
- [02/15/18] Added AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
- [02/14/18] Added Citi American Airlines 60,000 Miles (Get Matched To 75,000 Miles)
- [02/14/18] Removed Barclaycard American Airlines 60,500 miles
- [01/29/18] Added PenFed Pathfinder Rewards American Express – 25,000 Points
- [01/25/18] Added Chase Marriott Business Premier 75,000 Points
- [01/16/18] Added City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus
- [01/16/18] Removed Citi Premier 50,000 Point Offer
- [01/12/18] Removed Barclaycard JetBlue Plus 60,000 Points
- [01/09/18] Added Wells Fargo Business Platinum $500
- [01/08/18] Added Chase Southwest Plus/Premier 50,000 Points
- [01/08/18] Removed Wells Fargo Visa Signature 20,000 Point Bonus
- [01/05/18] Removed AmaZing Credit Cards – $1,000 CA, TX, CO & NV
- [12/18] Removed Citi Presitge 40,000 Point Offer
- [12/16] Added Barclaycard Wyndham – 45,000 Points
- [12/16] Removed Bank of America Amtrak 30,000 Point Offer
- [11/26] Added Citi Presitge 40,000 Point Offer
- [11/08] Added Barclaycard JetBlue Plus 60,000 Points
- [11/01] Removed American Express Business SPG – 35,000 Points as that deal has expired
- [11/01] Removed Synchrony Cathay Pacific 50,000 Miles as deal has expired
- [10/16] Removed Avianca Vuela Visa Card – 40,000/60,000 as promo code no longer working
- [10/11] Added Chase In Branch Offers (Freedom & Freedom Unlimited 30,000 Points & Sapphire Preferred/Reserve 60,000 Points)
- [10/09] Added [CA, TX & NV Only] AmaZing Business Credit Card $500 Or $1,000 Sign Up Bonus
- [10/08] Removed Chase Southwest Premier & Plus 60,000 Points Offers
- [10/05] Added American Express Business SPG 35,000 Point Offer
- [10/04] Added Citi Premier 50k offer back as working link was found, removed Citi prestige as offer is no longer available
- [10/01] Removed Citi ThankYou Premier 50,000 point offer
- [10/01] Removed City National Bank Crystal Visa Infinite 50,000 Point Offer
- [09/25] Removed CitiBusiness American Airlines 60,000/75,000 Miles
- [09/24] Removed Merrill+ 50,000 Point Offer.
- [09/20] Removed Barclaycard Arrival as bonus has been reduced to 40,000 from 50,000
- [09/18] Added Bank of America Premium Rewards Credit Card 50,000 point offer
- [08/21] Added Chase Southwest Premier & Plus 60,000 Points Offers
- [08/12] Added Barclaycard JetBlue Plus 40,000 Point Offer (Highest Ever)
- [08/09] Added Cathay Pacific Credit Card Bonus Increased To 50,000 Miles After $2,500 In Spend
- [08/09] Added Citi American Airlines 60,000 Miles Business Offer (Possible Match to 75,000 Mile Offer)
- [08/09] Added Citi American Airlines 60,000 Miles Personal Offer (Possible Match To 75,000 Miles)
- [08/02] Added City National Bank Crystal Visa Infinite 50,000 Point Sign Up Bonus ($400 AF Waived First Year, Lounge Access & $250 Travel Credit)
- [07/29] Added American Express Business Gold Rewards 75,000 Points
- [07/27] Removed Chase Southwest Personal Plus/Premier – 60,000 Points as they are no longer valid.
- [07/26] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [07/20] Added Bank of America Amtrak 30,000 Point Offer
- [07/06] IHG updated as there is now a direct link
- [06/30] Removed Chase Hyatt Two Free Nights + $50 + 5,000 Points
- [06/30] Removed Blue Business Plus 20,000 Points
- [06/25] Added Blue Business Plus 20,000 Points
- [06/25] Added American Express Business Platinum 100,000 Points
- [06/25] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [06/15] Removed Citi Hilton 40,000 Point Offer – No 24 Month Language, link no longer working
- [06/07] Removed TravElite card
- [06/05] Added All Three Chase Southwest Cards Increased To 60,000 Points – Easy Companion Pass
- [06/05] Added Barclaycard AAdvantage Aviator Red World Elite MasterCard Bonus Increased To 50,500 Miles
- [04/27] Added American Express Personal Platinum 100,000 Points After $5,000 In Spend
- [04/24] Added Wells Fargo Visa Signature 20,000 Point Bonus – Worth $300 Towards Airfare & 5x On Gas, Grocery, Drugstores
- [04/24] Added Chase Hyatt Two Free Night + $50 + 5,000 Point Bonus
- [04/12] Added TravElite Credit Card From FNBO Review – Now With 25,000 Point ($250 Sign Up Bonus), No AF + $100 Travel Credit
- [04/12] Added Chase Marriott 100k point offer
- [04/07] Removed SPG 35,000 point offers
- [03/21] Removed CitiBusiness / AAdvantage Platinum Select 50,000 Signup Bonus
- [03/20] Added Merrill+ phone offer
- [03/14] Added CNB 100,000 point business offer
- [03/14] Added CNB 70,000 point personal offer
- [03/14] Removed Ritz-Carlton 3 free night offer as bonus has expired
- [03/14] Removed Chase Sapphire Reserve as bonus has dropped to 50,000 points
- [03/06] Removed Citi AA 50k offer with no 24 month language as it expired again
- [03/05] Added Chase Sapphire Preferred up to 75,000 point offer
- [03/05] Removed Merrill+ card as the offer had expired
- [02/28] Added Citi American Airlines 50,000 Offer without 24 Month Language
- [02/26] Added Citi Business AA 50k offer as it contains no 24 month language.
- [02/26] Removed the blue for business offer from American Express as it had expired
- [02/21] Added the Chase Ritz-Carlton 3 night Link as I didn’t know it was still available
- [o2/21] Removed Citi American Airlines 50k/60k offer because the no 24 month language link has died.
Final Thoughts
I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?
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Thanks, great article with a helpful round-up. Just a small clarification: the Citi Prestige has a $250 airline credit, not a $300 travel credit.
nice job! I’ve been hopeful that you would compile an aggregate list of CCs like this because I think this site does a better job of giving an honest and succinct viewpoint then your blog competitors
No mention of Starwood and Marriott cards that are now eligible to be combined?Some really sweet possibilities there.
SPG is under YMMV, I guess the 80k Marriott offer is OK but nothing that remarkable IMO.
Curios when Marriott will offer more than 80K and/or waive the AF again?
Now it is 75K and AF waived. Lot of us posted our referral links.
I still have the 10x Marriott offer on first $12k. Surprised it wasn’t mentioned
I’m not sure I agree with your take on Sky Miles. Granted, they’re clearly the least valuable of the legacies, but Pay With Miles provides a floor that gives a minimum value of $500/$700+ on some of those Delta cards. The increased offers going on make them must-looks if you ask me.
A lot of people, myself included, soured on Delta with their unannounced devaluations and generally shady practices when it comes to their frequent flier program. That being said, Delta generally gets good reviews for their service and they have a ton of non-stops from ATL, CVG, DTW, LAX, MSP, JFK, LGA, and SLC.
In my opinion the Delta Gold Personal card should not be applied for unless you are targeted for the 75k offer. However, the Delta Platinum Personal probably deserves a spot above the IHG card on your list and I think both versions of the Business card deserve spots at the bottom of your list (below SWRR).
My thinking with the current skymiles offers is that they will increase in the short term (as evidenced by the near constant 50k/70k offers) and the fact that there is no real need to hold these miles. If you have short term plans for Delta miles it can make sense, but I expect increase offers for both cards in the short term and also devaluation of Delta miles in the short-medium term. Annual fee on the Platinum card doesn’t help it’s cause either, maybe offset by the MQM for some people?
Again, happy to argue these points and update list if I am in the minority/wrong.
I guess the fear of increased offers is somewhat fair, but do you really see these cards hitting a six figure sign up bonus? That seems like the next step for Amex (100k DL Plat) to take with these if they really want to make a splash and drive sign ups, but I just don’t see them parting with such a huge crop of miles. My understanding is that the Delta card portfolio is relatively successful and the addition of card spend to waive the MQD requirement has probably helped them stave off deserters.
In summation, I personally don’t see how the Delta Personal Platinum (70k miles/effective $95 fee first year with statement credit) can be left off your list of best personal sign up bonuses when the US Bank Amex is on there.
I thought on the Amex Business Plat the total spend was $15k in total, not 10k? Although it would be great if it were! Thanks for compiling this list!
Haha, misread this!
Looks good! Pretty sure the Amex Platinum Business is $15,000 total. $5,000 first 50k points, $10,000 for second 50k set.
Fixed this!
CFU higher than CSR. Wowza
Double bonus and not a good time for CSR, you disagree?
Under “Personal Cards” I think you meant to write “best to worst” instead of “best to best”.
No, I meant best to best haha. All of these offers are good!
I never saw the 100k/125k AmEx Hilton links. Do you have those?
They aren’t available, were leaked for a few hrs and then died.
GASP! This improves my life greatly. TY!!!!
Merrill Lynch MERRILL+ Visa
Dad’s application submitted about an hour ago and received a call from their consideration line 866-224-7803, was approved instantly over the phone. 5K credit line. Like mine, he has Experian frozen and asked them to pull from Trans Union instead, 745 on trans Union via Credit Karma. It appears that 5K is the lowest credit line but it is totally fine because only the sign up bonus matters.
It looks to me that Merril Lynch is very aggressive on getting ppl using their credit card, therefore approving without even mentioning on short credit history or number of hard inquiries in report. Funny thing is that my Dad previously did not even get approved for BofA’s cash reward credit card.
typo: reconsideration line
Newbie here so i apologize in advance if this is a dumb question, but I’ve been seeing a lot of ppl saying they’ve frozen their accounts. I assume it’s because that score is lower than the others? So i guess I have 3 questions: Does this strategy work with all banks? What exactly do you give for the reason it’s frozen when you talk to the recon line? Is it only Experian this strategy works for or can i use it for my lowest score which is equifax? Thanks for any insight…
No love for Spark Cash? $500 cash after $4500 in spend….better spend then the amex $500 bonus plus 2% on everything.
Pays out immediately too – before the statement even closes!
They pull all three bureaus, I was considering all them as inquiries are combined AFAIK.
And most likely to deny you anyway.
This is what keeps me away from Capital One.
I am leaning more toward the CSP if I can get a Chase in branch preapproval vs CSR. Adjusting the reward vs AF and not having to game the $300.00 travel credits when I will not be traveling just makes more sense to me. 7/12 Currently. One new business card on top of that which has not had time to hit the credit bureaus if it does.
The problem is I do not see enough sizzle in anything out there to drool about except the CSP or CSR. At the rate I am going, I may be a one year wonder as very little pumps my juices for 2017 in terms of new credit cards or bank accounts.
You should still be able to get matched to the 70k in branch offer for the Ink Plus.
You sure? Card isn’t available officially anymore in branch so not sure they would still match.
WC: I think you did a great job breaking this down. Thanks! 🙂
Thanks, Jan!