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Many people can’t apply for credit cards for a variety of reasons: whether they are about to apply for a mortgage and can’t have any hard pulls on their credit or they simply aren’t credit worthy enough to get approved for a card (which has gotten much harder since the credit crisis hit). When my clients ask for ways to get points without credit checks, I always recommend airline debit cards. Most of the major US airlines have them, but Continental has been the most generous and easy to get in my opinion.
Continental currently offers branded debit cards with Chase checking accounts. Until October 31, 2010, you can get 25,000 miles for signing up for a new account.
Personal account– $25 a year, 1 mile for every $2 spent. Or pay $65 a year and earn 1 mile for every $1 spent.
Business account– $65 a year, 1 mile for every $1 spent.
1) You can open these accounts online , over the phone or in a Chase branch.
2) Use $100 to open the account
3) You get the first 10,000 just for setting up a direct deposit or making 5 credit (non-pin) transactions with your Continental debit card. I repeat: You will NOT earn miles for purchases that require a pin. If prompted, always hit “clear” or cancel. Let the cashier know you want CREDIT.
4) You get the remaining 15,000 for making 5 additional credit (NON PIN) purchases.
5 You can sign up for a business account even if you don’t have an official business. Just use your social security number and say you are a sole proprietorship if asked (ex. Ebay business)
6) The yearly fee will be pulled after about 6 weeks, so make sure you leave enough of a balance to cover it.
7) Once the miles post, reapply the next calendar year for another 50,000 total points. Yes, as long as they are running this offer (which they have kept extending for well over a year), you can reapply the next calendar year.
8 ) You can open both a personal and business account and then link them you can manage from one log-in.
About an hour of work and $90 for 50,000 Continental points- not bad if you ask me!
9) Coupons can only be used once. So don’t print a coupon and share with friends. They need to go to the link, refresh and print a coupon with a newly generated code.
The Platinum Card® from American Express
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