Fremont Bank Personal World Mastercard 50,000 Point Bonus ($500)

Update: Reader Tom tells us that this is available nationwide (not restricted to CA). Also updated below that the annual fee is waived for the first year.

The Offer

Direct link to offer

  • Fremont Bank Personal World Mastercard is offering a bonus of 50,000 bonus points after $5,000 in spend within the first three months

Card Details

  • Card earns at the following rates:
    • Earn 3 points for every dollar spent on travel (airfare, hotel, car rental) and dining, and
    • Earn 2 points on gasoline
    • Earn 1 point on all other purchases
  • Points are worth 1¢
  • $95 annual fee is waived first year

Our Verdict

Reader Tom T who sent this in asked why this wasn’t list on the best credit card bonus page. The simple answer is that we didn’t even know it existed (please share any good deals you find with us!) They pulled Experian for him and his partner with 25 new accounts in the last 24 months. Very good deal if you can get approved (they did have an existing relationship with Fremont Bank). Fremont Bank has offered checking bonuses in the past.

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Sexy_kitten7
Sexy_kitten7

Ok this is ridiculous. I’m filing cfpb. Not sure what good it’ll do but if they want to waste my time, I’ll waste theirs!

Francisco
Francisco

Application was declined…Received the unable to verify information letter.
Applied from Texas, I didn’t bother to call them.
I’m just adding this as data point.

AS
AS

Rec’d the “unable to verify information” letter. I’m guessing this is the end of the road.

Chris
Chris

Applied 6/18: No instant approval
– Got the “Thank you for your credit card application. We may need some additional information from you to complete our review” screen.
– Called in and the CSR said my application was with the underwriting team and no additional information was needed.

Today 7/6: Received rejection letter.
– Reason: Unable to verify information.
– Suspect this is because I have no prior relationship with Fremont Bank.

fpc

Declined. Reason: Unable to verify information. Called and was redirected twice from Apex Cardmember Services –> Fremont Bank branch —> some other credit card dept. Was told that because I do not have any existing relationship with the bank, they could not verify my identity and approve the application. Was told I can try applying again, but no guarantees on anything changing. I also offered to provide any possible supporting doc but was told they cannot accept that. Probably will just let this one go…

AD
AD

Same letter.

BW
BW

What a disaster. Cardmember services says to contact Fremont, Fremont says to contact card member services. Each one says they can’t do anything call the other one.

Sexy_kitten7
Sexy_kitten7

I agree. What I suspect is the underwriter is in a back office at Fremont. So someone at Fremont would have to reach out to them on your behalf.

AD
AD

Are you thinking you’ll just wait to hear or do you think it makes sense to contact them (again)? I had the same experience as BW, so I’m not looking to get dizzy all over again.

Sexy_kitten7
Sexy_kitten7

I think I’ll let mine sit for another week. I agree it’s stupid to give people a phone number that doesn’t help them!

Sexy_kitten7
Sexy_kitten7

Thanks for data points. Mine’s still pending. Was told it generally takes 10 biz days to decision! LOL

Christopher Robin
Christopher Robin

I received the following message after applying online over the weekend:

“Please call us at 1-855-686-3478 between the hours of 9:00 AM and 4:00 PM Eastern and provide the following number for prompt assistance: XXXXXX”

I called this morning and was notified that my application was declined due to not having any accounts at Freemont. I am OOS.

CK9
CK9

Christopher Robin Did you get an official letter ….email or mail ?

Christopher Robin
Christopher Robin

CK9 No, I have not

Taylor
Taylor

Can this card be used with Plastiq for mortgage/car loan? US Bank, for example, doesn’t allow their Mastercards to be used for some Plastiq payments.

Dan
Dan

Not sure but US Bank is the only Mastercard I’ve ever had trouble using on Plastiq

Acid Bath
Acid Bath

Goes against Chase 5/24? since it is a personal card

Taylor
Taylor

Obvi.