Five New Cards and 315,000 Miles/Points Later: The Results of My Latest Round of Credit Card Applications

by on March 21, 2013 · 112 comments

in American, American Express, Bank of America, Carlson, Chase, Citi, Credit Cards, United, Virgin Atlantic

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This is the third post in a series on my most recent round of credit card applications and will focus on how to conduct a personal credit card inventory and decide which cards to keep and those to cancel. The first post covered the basics of credit and how to perform a personal check to make sure everything is healthy before a round of applications. Post 2 talked about evaluating your current credit cards and deciding which to close.  Post 4 will relate my experience with reconsideration lines.

Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here.

After I took my inventory of current cards, I came to the conclusion that I would cancel or change five of them. I then set out to choose the best offer from the major credit card companies with which to replace them:

American Express
My decision here was pretty easy since I had already decided during my inventory to replace my current American Express Platinum card with the Mercedes-Benz version. Instead of switching and foregoing the sign-up bonus, my plan was to apply for the Mercedes card as a new applicant since the rules state “Welcome bonus offer not available to applicants who have had this product within the last 12 months.” I confirmed on this Flyertalk thread that those with a regular Platinum have been getting the bonus with no issues.

While I have no plans to get a Mercedes anytime soon, if I ever do I’ll get $1,000 a year in lease/purchase credit, 5 points per dollar on eligible Mercedes-Benz purchases and up to 2,000 excess miles waived at lease end.

In addition to the Mercedes perks, this special co-branded version of the Platinum card comes with all of the same benefits that I value (American, Delta, US Airways and Priority Pass Select lounge access and $200 yearly airline credit) and also a 50,000-point bonus when you spend $3,000 within the first three months. Easy as pie. The annual fee is $475, which is $25 more than the regular Platinum card, but I value the 50,000-point sign-up bonus alone at $900 (I’ll transfer those points to airline partners like British Airways, Singapore Airlines and Delta – hopefully during a transfer bonus and then book premium international travel). I’ll also get another $200 to use as my airline reimbursement and I’ll select American and buy four $50 gift cards and get immediately reimbursed like I did in January already. All together I value the lounge access at $350 conservatively, points at $900 and $200 travel rebates for a total of $1,450 – $475 annual fee = coming out ahead $975. I feel good about that!
Application Result: Approved

I value United miles higher than any other mileage because the fees are low, the website is pretty good for searching and booking partner awards, they allow one-way flights and they are a member of the Star Alliance, which is the largest alliance and gives a lot of options when it comes time to redeem. I rarely fly United, but usually bolster my account by transferring in points from my Ultimate Rewards account, which I replenish by spending on my Sapphire Preferred, Ink Bold, Ink Plus, Ink Exclusives and Freedom cards.

When I got matched to United Platinum in the fall I noticed that I was targeted for a special United Explorer card offer of: 50,000 bonus miles after you spend $1,000 in the first 3 months your account is open. Plus 5,000 bonus miles when you add an authorized user to your account during the first 3 months as a cardmember. And you earn 10,000 bonus miles every calendar year you spend at least $25,000 on your card. Other notable benefits that I don’t already get as an elite member: 2 lounge passes a year and primary auto insurance on rental cars, which most credit card do not offer

Essentially it is a 55,000-mile sign-up bonus (since I can add anyone as an authorized user) with a 10,000-mile bonus at $25,000 in spending with the $95 annual fee waived the first year. I value United miles at 2 cents apiece (100,000 mile roundtrips in business class to Europe are easily worth $2,000 to me) so the 65,000 miles that I’ll end up getting = $1,300 + 2 lounge passes (which I’ll actually use since United clubs are no longer a part of the Amex Platinum lounge program) valued conservatively at $25 a piece ($50)  + the primary insurance/piece of mind worth at least $100 = $1,450, with the $95 annual fee waived the first year = I’m happy.
Application Result: “Application pending.” After a quick call to the reconsideration line at 1-888-245-0625, the super friendly rep said I just needed t shift credit around from another line since I’ve reached the max Chase wants to lend me, so I shifted $10,000 from my Ink Plus (which I plan to close soon anyway) and I was approved (more details in my last post in this series).

Bank of America (Late Addition!)
A couple days after my round of applications, I noticed that Bank of America was offering up to 65,000 miles for the Virgin Atlantic American Express card. I have never gotten this card and I actually have quite a few Virgin Atlantic miles that I was going to transfer to Hilton, but now I’m not thanks to the imminent HHonors program devaluation, so I figured I’d get the card.

Virgin Atlantic Amex 65k

Offer: 20,000 bonus miles after your first purchase, 25,000 additional bonus miles after you spend at least $2,500 in qualifying purchases in the first 90 days, 5,000 bonus miles when adding two additional Cardmembers and up to 15,000 Anniversary bonus miles after qualifying purchases–you get 7,500 miles by spending $15,000 within the year, and 7,500 more if you hit a threshold of $25,000 in spend. Other key benefits include 1.5 miles for every $1 spent on purchases, 3 miles per $1 spent directly with Virgin Atlantic, and spend-based Tier points that help you achieve or maintain Silver or Gold status (note: you can only earn two Tier points per month). $90 annual fee, not waived.
So basically it is a 50,000-point sign-up bonus with an annual spend bonus of 15,000 miles for spending $25,000. Virgin Atlantic charges huge fuel surcharges/fees, but there are other ways to use them that I’ll be covering in a post.  I value them at about 1.4 cents apiece, so the full 65,000 = $910 – $90 annual fee = $820.
Application result: Pending decision. 4 days letter I checked online and saw that I was automatically approved!

I value American Airlines miles highly and I recently redeemed a lot of miles, so I wanted to boost my balances again. I’m also focusing most of my flying on American these days and am eager to maintain my Executive Platinum this year, so I was also interested in getting the Citi Executive AAdvantage card, which awards 10,000 Elite Qualifying Miles after $40,000 in spend.

However, the most lucrative Citi offers are “unofficial” 50,000-mile offers that have been active in various forms, for the past 3 years on this Flyertalk thread. I had applied for the Citi AA cards back in 2011 when the bonuses were 75,000 each and you could get two in one day (those were the days!) and had no issues getting the bonuses.  The big issue is that the offer doesn’t populate on the application page, but if you read the comments from numerous past past blog posts and in the hundreds of comments on that thread, people are still reporting success getting the sign-up bonuses so I went ahead and applied for the Visa CitiBusiness AAdvantage card offer of 50,000 miles after $3,000 in purchases within the first 4 months, 2 Admirals Club passes,$150 statement credit for the first eligible AA purchase made within 12 months of cardmembership. I value AA miles at 1.8 cents a piece, so 50,000 = $900 + $150 + $50 in lounge passes = $1,100. Annual fee of $75 is waived for the first year.

Screen shot 2013-03-20 at 10.58.47 PM
Application result: Pending decision. I called the reconsideration line at 1-800-763-9795 an hour later and after 20 minutes I got approved.

Historically you could always get two Citi cards on the same day and it would count as one hard inquiry (and you’d get approved for identical credit lines – it was a system glitch of sorts), I also applied for the Citi Executive AAdvantage card with a 30,000-mile sign-up bonus and the ability to get 10,000 EQMs at $40,000 in spend, which I value at $600 conservatively. So $900 in miles + $600 in elite miles – $450 annual fee = $1,050

Application result: Pending decision. I called the reconsideration line at 1-800-763-9795 an hour later to get both of my applications approved and after 20 minutes I could only score an approval for one or the other and I chose to get the 50,000-mile offer.  The rep said that Citi’s new policy is only one application a day and there was nothing he could do. He said that he would put in notes for it to be reviewed again, but that I’d have to wait a couple days. I thanked him and waited. In the meantime a 50,000-mile offer surfaced, so I was a little annoyed I had only applied for 30,000. Oh well. That’s how the cookie crumbles. When I called back 3 days later a super-friendly North Dakota phone rep said that there was no way she could approve me, so I asked her to just delete the entire application, which she said she could do so that I could get the card in the future (she recommended waiting at least 60 days). I checked my credit report and I only have one hard inquiry from Citi, so I’m glad that I can save the Executive AAdvantage approval for the future- hopefully at 50,000!

US Bank
The Club Carlson Visa is one of the hottest new credit cards on the market. The sign-up bonus seems amazing at up to 85,000 points, but that isn’t really that lucrative compared to other hotel credit cards like the Citi Hilton Reserve that gives two free weekend nights at almost any Hilton considering you can’t even get two nights at a top tier Radisson Blu. Here are the terms of the card: Up to 85,000 Bonus Gold Points - receive 50,000 Gold Points after your first purchase, plus 35,000 points after you spend $2,500 on your card within the first 90 days; 10 points per dollar on eligible purchases at participating Carlson Rezidor hotels worldwide and 5 points per dollar everywhere else; 40,000 bonus points each year  after you renew your card and pay the annual fee; Bonus Award Nights – when Gold Points are redeemed for two or more consecutive award nights, the last night is free – exclusively for cardmembers; Automatic Gold Elite Status once the card is used. Existing Gold Elite members receive 15 qualifying nights toward Concierge Elite Status; Annual Fee: $75.

Carlson feat

So though the 85,000 points is a good start (and I value Club Carlson 0.5 cents each, so that would make it worth $425), it’s the other perks like the annual 40,000-point bonus that more than makes up for the annual fee, and the potentially super-lucrative Bonus Award Night which amounts to half-price awards on two-night stays that make this card a real eye-catcher. Just with the sign-up bonus and two award stays of 50,000 points each where I save a total of 100,000 points, I’d put the value of this card around $925.

Application Result: Pending result. I then logged on and it said the application couldn’t be approved, so I called the reconsideration line at 1-800-947-1444 and the rep said they needed to verify my identity. I provided the details of my drivers license and a couple other small facts and she sent it off for approval. I tried to give her any info that could help her approve, but she simply stated I needed to wait for a decision. Two days later I was automatically approved! I’m looking forward to exploring Club Carlson some more…as I plot my next round of credit card applications.

To Sum It Up
I’m happy with my new additions- not only do I feel like I got lucrative sign-up bonuses, but a lot of these cards offer valuable perks so I’ll keep them all for a year or so, before they get put on the chopping block!I do need to spend $10,000 over the next several months to get all of the sign-up bonuses and then another $50,000 if I want the full spend threshold bonuses on the United and Virgin Atlantic cards, but even if I don’t hit those I’ll be a happy camper.

Has anyone gotten any of these cards recently and have any tips? What cards do you have on your list for your next round of applications?

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • mariana

    I had my husband apply for one business citi Aadvantage and one personal. the personal was approved on the spot and the business was pending for one week. Even though we called reconsideration line they wouldn’t do anything besides checking the application. One week later the application gets rejected. We sent two letters already to their SD office to review the decision as it was a business application, completely different from personal in terms of different expenses. We haven’t heard back from them at all and it’s been almost 1 month since we sent the letter. I hope citi is not rejecting two applications on the same day, even though one is for a legitimate business and the other is for personal expenses.

  • sil

    I think i made the cut off for the Citi AA biz and personal applications in one day. Applied and approved for both on March 6th. Applied for both within an hour time.

  • greek2me

    Lucky just said Virgin Atlantic were only worth 0.8c. I have some that were going to Hilton pre-deval, but not now. So I look forward to seeing the upcoming post you mention about how I can get 1.4c of value from them.

  • Ed

    Wow! Thanks! Didn’t know the Merc Plat was a separate product. Time to cancel my plat, just came up for renewal and got a 15k retention bonus, but much rather sign up for the full 50k.

  • Jonathan

    Congrats on the success of all the apps. I also plan to get the Merc Plat and Club Carlson later. Quick questions for TPG, do you keep the AA gift card or sell them on the websites? For the Amex app, do you cancel first or apply first? TIA!

  • davep

    I’ve never seen you mention the AmEx Platinum Business card. Same benefits as the personal and I often get 100,000 point promos in the mail. And it still has a 20% rebate when you book with points, which I find useful for low dollar but high point airfare.

  • thepointsguy

    I apply then cancel.
    I fly AA so no issues using them. I’d caution selling- could be risky.

  • thepointsguy

    Congrats! I applied March 12 and they were very strict against not approving 2 apps in a day

  • thepointsguy

    Stay tuned!

  • thepointsguy

    I’ve written a bout the business platinum a lot and even mentioned in my top 10 post this week to look out for targeted offers like the business platin 100k. I’m holding out until I get that offer- no brainer!

  • Jonathan

    Thanks for the tips!

  • hcry

    Thanks for the info on the Merc Plat. I’ve been looking for a comparison since the sign up bounus is plus 25k. Is the SPG and Hilton gold status also a Merc Plat benefit?

  • thepointsguy

    Hilton gold isn’t an amex plat benefit to my knowledge. Spg gold is a merc/regular/business platinum benefit. All platinum benefits exist on. Mercedes Benz platinum. The additional perks are the mercedes related

  • Derek

    Hey TPG, first, great post. Appreciate the rundown. Second, you mentioned you “found” a 50k offer for the citi AA card. I was planning on getting this card but can only find 30k offers. Want to pass along the technique of uncovering these targeted offers? Also, were you referring to the platinum card, with priority access, etc? I stopped flying AA heavily two years ago when I moved to Europe and then business school, and just lost all status; it’s painful…

  • thepointsguy

    Go to the linked flyertalk thread to find the AA 50k links

  • AKCredit

    Hey TPG, congrats on all approved apps. The United card is nice and somehow they gave my dad 4 passes instead of 2 this month. I do have a question for you. Is it safe now to book awards on United with or without partners? because my dad has 120k miles and wanted to go Biz class to the middle east?. Also this is our first time booking an award with any airline. I don’t want him to be stranded at any airport. Also we don’t fly much so he does not have any “Elite Status.”

  • thepointsguy

    United still has IT issues, but my experience getting stranded is rare. I have booked several awards since with no issues. You have miles, so you might as well use them!

  • Narayana

    Cant wait :) – If I like it you are assured of a credit card bonus through your links in my next churn (April).

  • Robert

    Same story in my case, i.e. I got approved over the phone for Citi Amex AA card and had to wait a week or so for a denial letter in regards to CitiBusiness Visa card.
    Quite surprisingly, their letter states that I applied for ‘Citi Select / AAdvantage American Express account’ and I cannot get it due to ‘multiple applications for the credit’

  • AKCredit

    Thank you so much. You see we have been spending like crazy on the card and he and I just got a Sapphire Preferred and it helped his miles account.

  • burnsy

    I’m tempted to apply the Amex Mercedez card but I can’t find the $200 airline reimbursement offer in the T&C. Where did I miss?

  • Matt B

    Thanks TPG. Regarding the Club Carlson card (which is next on my list) – there are posts on Flyertalk mentioning how conservative US Bank is regarding recent inquiries, which gives me reason to pause. They apparently use ARS (third party company) in addition to randomly choosing which credit bureau to pull. Some have reported putting a freeze on ARS and/or on any of the credit bureaus where they have a disproportionate number of recent inquiries. Logic being that (1) ARS is difficult and not required for approval (USB will make a decision w/out ARS if frozen) and (2) by putting a freeze on bureau with large number of inquiries, you wouldn’t get a hard pull if the random generator decided to use that bureau. Did you go through any of that rigamarole or just roll the dice? And if you just rolled the dice, which bureau did they use and how many inquiries past 3/6/12 months did you have? Sorry for the thousand questions and thanks as always…

  • frugalguy

    TPG, you mentioned “Citi’s new policy is only one application a day and there was nothing he could do”. I guess you mean Citi’s new policy is only one AA or Hilton application a day (they have multiple AA and Hilton products) according to what I read elsewhere. You can still apply 2 (not more) different products within a day.

  • Joe

    Have you had the Explorer card before?

  • thepointsguy


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  • AceK

    Great info. Coincidentally, I just applied for the Club Carlson Premier Visa last night. Approval e-mail arrived this morning. I had been concerned, because I’d heard US Bank was conservative in their underwriting and I’ve acquired two new cards (Chase Sapphire and Amex Gold) in the past three months. Perhaps my existing auto loan relationship with them helped. In any event, with the 2 for 1 award nights, aren’t the 85,000 bonus points worth something like 3.7 nights at a Radisson Blu?

  • Travis Swanson

    I’ve had the same issues as other have had with the Club Carlson card. Was denied back in December when the card first came out due to too many inquires, Did you freeze the ARS agency from accessing your account (or do anything special to try to get approved)? Thanks for the info!

  • 3E

    Regarding the Club Carlson card:

    Is it possible to combine the Radisson SOGO promotion from last year (0 points for a single night stay in the US/Canada/Caribbean) with the Bonus Award Night (0 points for the second night)? That would be a pretty sweet combo if that were possible.

  • BeachMiles

    Good news on the Club Carlson Card. How long ago was your previous round of applications? When the Card first came out, seems like everyone with a history was getting turned down. I plan to give it a try next month. I do 3 or 4 cards every 3 or 4 months. What do you think.

  • Sam

    Did my AOR few weeks ago & i was approved instantly for most of them except for Club Carlson & United. I called US bank the next day & automated system told me that i was approved (didn’t have to talk to the rep). Called Chase to find out that i have too many accounts & in order to get United i have to move my CL over to United & close one card. I decided to close Marriot so now i have 6 personal cards with Chase.

    1)Amex Gold- 50k after $1000 spend
    2)Barclay’s US Airways- 35k after First use
    3)Citi Platinum- 50k after $3,000 spend
    4)Citi Gold- 30k after $750 spend
    5)Carlson Club- 85k after $2500 spend
    6)Chase BA- 50k after $1000 spend
    7)Chase SP- 40K after $3000 spend
    8)Chase United- 50k+5k after $1000 spend

    @thepointsguy:disqus Can you tell me if you closed Amex Platinum prior to getting approved for Mercedes? I’m in the same boat pretty much my annual fee is due in May

  • colonelretwes

    once you meet your MB Plat spend, within a few weeks you will also get
    another perk, $100 Silver Star Certificate–good for use for MB
    accessories..downside, is to spend (MB polo shirt, MB seatbelt purse
    (wife likes) you have to go to your local MB dealer to spend. Cert good for a year.

  • Joe

    How come? They’ve long had 50,000+ bonus offers. Seems like an easy one you would have jumped on previously.

  • RetiredTraveler

    Tried to get AAvantage Visa Signature (from a targeted offer of 40,000 miles) and was told I would not get the bonus offer because I was a previous Citi AAdvantage card holder. It has been 6 years. Do you have any experience with getting the bonus offer a second time from Citi?

  • Sophia Long-Herrera

    When you receive the card, it’s listed in “Your Guide to Platinum Card Membership.” It is also listed in the T&C that comes with the booklet. Thanks!

  • meghanb904

    Woohoo! What a churn. I’m new to the whole points game and have a quick question. How long should you wait between AmEx apps? I got the AmEx Premier about a month ago before the BOA 65k Virgin offer came out! I’m interested in redeeming Virgin points on Hawaiian airlines so this would be a great card for me (Honolulu to Sydney for $130 in taxes, I think so!). I’m afraid the offer will disappear if I wait two months! What do you think?

  • burnsy

    Thank you for th reply!

  • AceK

    Re Club Carlson, I didn’t do anything special. I wouldn’t call myself a churner but I do have something like eleven open accounts, including two new cards in the past three months (three or four hard inquiries total during that period). I also have a good history with US Bank on my auto loan.

  • d&c

    I am also new to the whole points game and have a question: how does one handle the IRS factor? I read that the IRS considers sign-up bonuses as income, i.e. 25,000 bonus points for signing up, approx $70 if you are in the 28% bracket. (However, rewards received after you spend a certain amount using the card are not taxable because they are classified as rebates.)

  • thepointsguy

    Credit card signup bonuses do NOT get taxed by the IRS. What you heard was Citi taxing a few people on checking account signup bonuses. I wouldn’t worry about credit card bonuses at this time

  • thepointsguy

    I closed the Platinum after I get approved for Mercedes

    Congrats on your churn!!

  • thepointsguy

    The Virgin Atlantic Amex is actually issued by Bank of America so you can apply now

  • thepointsguy

    Yea it can be many free nights- the free award night benefit is amazing!

  • thepointsguy

    I didn’t do anything special

  • thepointsguy

    Last apps were in August and one in October

  • thepointsguy

    They told me one app per day for Citi period. I doubt if it is different products, but someone else who has recently applied for 2 different products can chime in

  • thepointsguy

    You could do that I suppose.. I didn’t and still got approved, though I don’t have a lot of inquiries withiin the last 6 months

  • SedonaJoel

    One thing that I have not seen mentioned is that for most of the bonus cards – both you and your spouse can apply for the same cards. My wife and myself both earned 242,000 bonus miles on BA by applying for two accounts and spending $20,000 on each card in the first year.

    We did the same for Starwood cards.

    I also cancelled my BA card just before the one year renewal was due – waited 60 days and applied for the same card again, was approved and got another $121,000 bonus miles.

  • diwi

    nope. I tried Citi-AA and Citi-TY premier on Mar 01. citi-aa got automatically denied. called CRS three times and they all said “new policy – only one application per day”. one of them even said, if I just try on another day I would likely get citi-AA approved. “multiple applications” was the only reason they could find why my citi-AA was denied.

  • Matt B

    That helps, i assumed you had more recent inquiries and was surprised you’d be approved based on experiences seen on FT. I get the sense that 6 months of little activity is the right amount of time for USB approval, whereas 3 months of little activity is required of most other banks. Cheers…

  • Graydon Swedberg

    Looks like Citi has changed for the worse. I applied for the Platinum Select AA and the Hilton HHonors cards on 3/14 one right after the other. I was instantly approved for the Hilton (first app) but got the 7-10 day message for the AA card. Called recon next morning and was told I can’t apply for 2 cards same day. Checked and it was only one HP. Recon agent said wait a day and apply again. I did and got same 7-10 day message. Another recon call later and I was told I can’t apply for more than 2 cards in 60 day window. Now 2 HP. Wrote a recon letter to EO in hopes to salvage this one. Finally got decline letters and BOTH say “unable to approve at this time because you have submitted multiple applications for credit”. Duh.

  • E

    How long did the Bofa va card take to arrive in the mail? Do you know if bofa will expedite?

  • Charles Clarke

    Another data point… My girlfriend applied for both the personal Visa and Amex AA cards on the 9th and got approved for both.

  • phil

    two questions both on the Carlson card: Carlson is now saying that we were approved for a lower level card and holding out on the 85k, any tips? Second, I believe we were part of a stay where you get an int’l night for free, any details on that? I thought it was stay once within a time period and get it, it wasn’t points it was a cert, but now Carlson is saying they know nothing about it

  • larg

    I am new to this and I have some questions.

    It seems the Explorer card only offers 30K UAL miles. What do I need to do to get 50K?
    I can’t find the terms that Citi AA business gives $150 statement credit for AA purchase. Is it written down somewhere?
    I have cancelled my Sapphire preferred VISA after one year. Can I apply for the sapphire preferred MasterCard. Would I be able to get the bonus points? How?

  • Jessica R

    Have you attempted getting the Sapphire Preferred Mastercard within the last month? Following your SRQ on that in February, I checked the website using your directions and the Sapphire Preferred MC was not offered. I am dubious that I can actually apply for this card with the bonus.

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  • Roy

    Question : I have a united Club Card . I want to apply for the explorer card. Would I still receive the 50K bonus points ? Many Thanks

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  • Brandon

    Need some advice on timing my next (and 2nd) AoR! I am planning on waiting the 91 days, but recently had fraudulent activity on a card (so it was closed and reopened). So my question is: Does that new account opening restart the clock or am I still on track?

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  • ralph van dyke

    Looks like the MB Amex Platinum offer has changed. $3000 minimum spend and I don’t see any indication of the $200 rebate…

  • Dan

    When you do your rounds of credit card applications, do you usually apply for all of them on the same day or do you spread it out over several days?

  • Ivan

    Quick Question: I will be doing a credit card app o rama soon with the below four cards. Any advice or insight on the credit bureaus pulled, issuing banks, etc?

    1. SPG personal amex ( to swap with SPG business, to avoid annual fee)
    2. Hyatt Visa (to get free nights in upcoming travel to Sydney)
    3. Priceline Visa (to replace regular spend on CSP)
    4. CSP mastercard (for sign up bonus)

    my last app o rama in December 2012 resulted in CSP Visa, Amex SGP Business, Ink Bold, and Southwest RR Plus Visa. That was my first round.

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  • Sam

    Just applied for the CITI business and was told I needed to spend 5K in 4 months to receive 45,000 points with the 2 AA club tickets and $150 statement credit. Any suggestions on how to get them to switch it to the 3k for 50K points? Thanks. My good friend from work Iman Moawad who knows you from Pitt says hello as well!

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  • Michael Danielson

    I was reading through the fine print on the Mercedes Benz card and saw this in the fine print. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty-free purchases, and award tickets are not deemed to be incidental fees. I just wanted to double-check that that everyone was still having success purchasing gift cards with the 200 dollar credit?

  • Sharon Brenner

    I was denied by club Carlson although I have perfect credit so I called the reconsideration line this morning and an automated message said DUE TO AN emergency EVACAUATION WE ARE UNABLE TO PROVIDE YOU WITH ASSISTANCE…please CALL BACK At a later time.
    Their hours are CDT so I wonder what is the emergency.

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  • Wendy Strow

    On a road trip today so I’ve had the luxury of absorbing the rich information on your site for the past four hours! Couple of questions: Do you use an app, program or spreadsheet to track the pending mileage bonuses, spending requirements and time deadlines from the various cards and offers so you don’t miss out on the full benefits?

    What’s the best way to have someone (such as yourself) review my point balances and help create a strategy for better earnings and to plan for a points-paid international vacation?

    Las question: I have 650,000 Hhonors points and I’m concerned about your mention of a huge devaluation in that program? Should I be doing something with those points to preserve or improve their value?

    Thanks for a great site!

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  • Jay

    How will you be meeting the minimum spending requirements for so many cards at once?

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  • Jsquared

    I’ve been a loyal AMEX customer for many years and currently hold a Platinum card. My monthly charges range from $5k-$7k, which includes auto charging all monthly house hold billls. But it seems the point value, flexability and offers from this card are less than other cards. I also hold a Visa Marriott Card and a Hilton AMEX as well for my stays and travel expenses at these hotels, respectively. My monthly travel expenses range from $3k -6k and are seperate from my Platinum monthly charges. Any advice on how to improve my point intake is welcome.

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  • sha457


  • Stran

    I have the same question. Any new information about United Bonus Miles on new credit cards applying to existing members??

  • Adam

    You need to already have some UA miles in the bank. How much? I don’t know. But I only have 16k miles this year and I was offered the 50k bonus today.

  • sha457

    The UA miles wasn’t the issue it was the AA offer that was the issue, the issue was the bonus miles and the fact that they changed the offer after I applied and tried to make the bonus miles 45K instead of 50K. So when I went back to the link to prove what I had contracted for when I applied for the card the link was obsolete. I called Citi Executive offices last week and complained and they not only gave me the full 50K as promised but an additional 10K along with an apology. I am a happy camper. This was 2x out of 4 cards that Citi had pulled this on me, not good average.

  • sha457

    FYI my daughter and I have been card churning for a year now, and we have had enough bonus miles to have RT tickets to Europe via FC and two rooms at 4 nights each at 5 star hotels; plus we went to NOLA and LA and used miles/points for 2 hotel nights and 2 rooms, 5 star hotels. Not bad I say…I think we went thru about 15 cc bonus cards. THANK YOU POINTS GUY FOR THE EDUCATION AND YOUR BLOG!

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  • shay peleg

    Just contact them via a secure message and they will match to the best offer

  • sha457

    we do one card at a time and share the card with my daughter. we only do the min rqmt for bonus miles. we meet the min rqmt within 1-2 months easily between us. we gave excellent credit and pay full balance to rerain that credit score so when u know u r about to meet your rqmt $ u apply for the next card

  • Kerri

    I signed up for a Virgin card and spent a year earning enough miles to fly to London. But when I looked at the airport fees, it was so expensive that I reconsidered. Virgin is really limited by the airports they use. All of them seem to have high fees and the destinations are really limited. Now I’ve got a bunch of useless Virgin miles sitting around. Big waste, since there’s nothing else to spend them on. United is the way to go.

  • clara

    I’m Mrs Janices by name. I live in SA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Rev.John who lend me an unsecured loan of 85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: [email protected] I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Rev.John, i pray that God should give him

    long life his email. [email protected] .Thanks

  • Mr Calvin

    Do you need an urgent loan ? If yes contact us at ([email protected]) for more information.

  • clara

    I’m Mrs Bela by name. I live in UK but currently in Kuwait, i want
    to use this medium to alert all loan seekers to be very careful because
    there are scammers everywhere.Few months ago I was financially
    strained, and due to my desperation I was scammed by several online
    lenders. I had almost lost hope until a friend of mine referred me to a
    very reliable lender called Rev.John who lend me an unsecured loan of
    $85,000 under a day without any stress. If you are in need of any kind
    of loan just contact him now via: [email protected]
    I‘m using this medium to alert all loan seekers because of the hell I
    passed through in the hands of those fraudulent lenders. And I don’t
    wish even my enemy to pass through such hell that I passed through in
    the hands of those fraudulent online lenders,i will also want you to
    help me pass this information to others who are also in need of a loan
    once you have also receive your loan from Rev.John, i pray that God
    should give him long life his email. [email protected] .Thanks

  • lineus white

    To whom it may concern

    Are you financially down? Do you need a loan to start up business of pay off bills? we offer all kinds of financial assistance to every individuals “Business loan and personal loan, for investment, debt consolidation and house purchase etc.” we will be willing to offer you the loan. Offer is affordable at an interest rate of 3%;this Funding program allows a client to enjoy low interest payback for as low as 3% per annum for a period of 2 months – 20 years. We can approve a loan/funding for a minimum of 5,000.00 up to 20,000,000.00 dollars/euros/pounds or more depending on the nature of business. but before we can proceed with the loan, you have to fill the loan application form below to enable us calculate for you the repayment schedule.

    Loan Application Form

    Borrower’s name:
    Marital status:…………………………
    Contact Address:………………………..
    Date of Birth:………………………….
    Amount Needed as Loan:…………………..
    Loan Duration:………………………….
    Monthly Income:…………………………
    Purpose for Loan:……………………….
    Phone number(s)……………………………
    Have you apply for a loan before?…………
    How did you hear about us?……………….
    Our mode of transfer is mainly bank to bank wire transfer, sometimes via western union money transfer, money gram, Ria transfer etc. pending on the amount of loan involved. All other details will be given to you as soon as the loan application form is filled and returned. Ensure you contact us with this email: [email protected]

    Thanks for your patronage

    Philip Johnson
    [email protected]

  • lara

    Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called consumer loan firm (C.L.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: [email protected] and get a loan from them. Thanks

  • Samantha Jeff

    Hello everyone,
    My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {[email protected]} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don’t know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ [email protected]} for help

  • Zoe Amber

    Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was absolutely 100% real . i am also also happy and thankful that i am also a witness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in Netherlands. I would recommend this service to everyone!
    here is the details that i used in contacting them : [email protected]

    Mrs Zoe Amber.

  • Samantha Jeff

    Hello, I am Samantha Jeff, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 350,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Andre Frank ([email protected]). He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . [email protected]

  • Christiana Duoduot

    Country Of Residence : Canada
    Country Of Orign : South Africa ,Pretoria
    Name : Christiana Duoduot
    Age : 36
    sometime i feel that it is betterof to give honour to whom honor is due by given kudos and message of hearty appreciation to those who stood fervently by you in times of troubles and in times of your needs by making sure that your needs are meant on a perfect basics without taking any kind or form of advantage of you and this is the main reason why i took up my time to write up here about what , when and how i got saved by the Queeneth Stark Loan Council in the time of my needs it took me the perfect grace of God almighty to get my loan online after all the lies and deceptions from my former Lender online loan lender . i was in a great financ aroundial need to expand my business in a period around August last year and this was the primary force and reason that promted me into going for a loan search my bank here in Monstreal canada. all attempts to get loan proved totally abortive because my credit was bad and also coupled with the fact that i am a citizen of South Africa who have been residing here in Canada for about 18 years now with my elder sibling who is a medical doctor here and also with my Kid Son whose fatherr died to asthma some few years back so due to this fact i could not get a loan anywhere and i tried borrowing from friends but the amount they have wouldnt be enough as i actually needed an amount of $ 100,000.000 Canadian dollars to expand and also to start up a trade moore buisness and i decided to go in search of a loan online after reading several adverts from diffrent lenders but i was very unfortunate to choose a wrong lenders who actually destroyed my life as i was told to pay several kind of fees and due to the fact that i needed the loan very badly i payed every single fees without delays as i was believing that i will recover all that i have spent on that loan transaction immediately i was able to obtain that loan funds from them but i never knew that they actually had negative plans for me there plans was primarilly to crumble my life the more and to turn me to a hand from mouth begger here, i sent upt to about $18,000.00 canadian dollars but until now i still wouldnt recieve any alert or loan funds inside my bank account as they promosed and this promted my elder sibling who noticed my frequent search and request of money from everyone around promising to repay them back as soon as i get what i was looking for , … he called me and requested to know what was wrong with me and i explaiined all that i have been through with my former lender as a result of my search for a quickloan online to better my life and that was when he adviced me and told me to be careful about my involvement and he also told me to pray about it as a christian which i did quite fine but i was still very sure of recieving that loan funds from them because i was so sure of that man and his company due to the way he communicates with me each time we talk on phone and also due to the way he preaches about God … Omg , i never knew it was all a tactics to defraud me and to manupulate me at will but un til i got feed up and left but even after then i still got several offers messages from them requesting that i should go and pay a lesser one time fee at this time around so that i will be given that loan and this was about april this year … imagine , i was in bondage for months without knowing and i took up the decision never to respond to there messages or to get a loan online again and i informed my elder sibling on how what he adviced me on had turned into a timely reality and he told me that if truly i needed a loan that he could refer me to a loan agency who has been proven to be among the list and menu of legitimate online loan agencies in the world of financier but i didnt believe anyone at this point … and that included my sibling … omg you cant blame me for my trust issues at this point because i was just getting out of one fire and i couldn t afford to go into another fire ..having seen that i needed this loan very badly i prayed and fasted about this for 3 days and i got a feeling that there was genuity in my siblings suggestion and that was how i contacted him and he gave me the list of the accredited loan agencies online and i picked up the QUEENETH STARK LOAN AGENCY and i contacted them and from the very first point of ,my conversation with that loan agency … i saw a different service system and i also saw the mirror and reflection of God in them and i furthered up on my loan application with them and as God would have it , my loan funds of $ 100,000,000 Canadian Dollars was wired into my bank account here in canada without any form of fees upon fees or any problems occuring from any one as compared to my former lender who would ask for another fee after a fee was sent .. this was the main reason why i took up the challenge to give honour to whom honour is due to posting on here and also appreciating this loan council for what they did in my life during the time of my cruial need and also i have decided to add up there contact information here so that it can be used to contact them by those who are truly in need as i was before i got my loan funds and here is there email address : [email protected] or [email protected].

  • clarisa steve

    i am Clarisa Steve from Florida USA,when i was in need of a loan of $230,000 to transit a business my friend introduced Mark Oscar loan firm to me because she got a loan from them sometime ago, so I was so scared because of the scams in the internet but my friend encouraged me to give them a try and i gave them a try and i got my loan within 4hrs and their ways was very easy no credit check,no cosigner,no collateral and their interest rate is just 2%, so i will advice anyone out there that need a loan to contact them via their Email:([email protected]).

  • Leslie Frank

    Leslie Frank is my name , OMG ,OMG OMG … I cant believe it that after contacting Queeneth Stark Loan Council 48 hours ago for a loan funds of $40,000.00 Dollars that i would receive this loan funds asap but i just wanna say it on here that i just got my loan funds and this still looks like a dream and a total magic to me …. QUEENETH STARK LOAN COUNCIL …. YOU ARE THE BEST AMONG THE REST .

    May God Bless You For This Surprise .
    You Can Have Them Contacted Via /// [email protected]

  • Summer0920

    I received an “exclusive offer for a United Explorer card ( i have booked 4 separate trips with them in the next 4 months) my vantage score is only 700 and Im afraid I wont be approved? I really would like this card…should I wait until my score goes up a few more points for my best chance?

  • madela

    hello do you need a financial loan to pay off your debt and start up a good business or to purchase land, purchase car,…if so kindly come to this bank where any amount of loan is been lendable via email….unitedbankofchina@gmail

  • Phelia West

    Hi Peeps, iam Phelia West a final year student of Medicine and Surgery Concordia University Montreal Canada. Please if you wanna be scam free just like the way i am now please do not hesitate to apply for a loan from the Queneeth Stark loan company , i have tested there services and its is so unique and so fast without any further benefit of doubt i am so convinced and quit guaranteed that this company is one of the very best loan company online because my loan was granted to me without any form of headache or heartaches as compared to all other fake loan companies that i contacted online before reaching them and you can reach them on this email that i used in obtaining my own loan {[email protected]} also should you wanna contact me please here is my personal email
    {[email protected]}

  • Mr Smarth

    Do you need an urgent Business or Private loan? Are you need of financial assistance to clear your bills? We offer loans at 3% rate. if yes contact us via email [email protected]

    Amount Needed:
    Loan Duration:
    Date Of Birth:
    Monthly Income:
    Phone Numbers:
    Have you applied for a loan?

  • mr stanley

    Hello everybody, I am Mr Barry ,currently living in canada,I am a married man at the moment with two kids and i was stuck in a financial situation by august 2012 and i needed to refinance and pay my bills for my son medication. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to a Man of God a private loan lender by a friend named Mr. James and i got a loan sum of $10,000USD and today am a business owner and my kids are doing well at the moment. So dear,if you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans and schedule,please contact Mr. Stanley Kings he doesn’t know that am doing this but am so happy now and i decided to let people know more about her,he offers all kinds of loans to both individuals and company and also i want God to bless him more. You can contact his company through this email [email protected]

  • James Mack

    Hello every one I am faith Luna by name and i live in USA please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $2,800 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Mr.Lewis Harry who is the manager of the company, So i applied for a loan sum of ($98,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan, so i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: [email protected] as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life.I am faith Luna by name


  • john

    Welcome to (UNION loan company)
    Personal service for all your financial needs. We Supplier Liberal investment company offering credit
    at low interest rate of 2%, we offer loans like_
    (1) Personal Loans
    (2) Debt Consolidation Loans
    (3) Venture Capital
    (4) Business Loans
    (5) Education Loan
    (6) Home Loan

    Credit for any reason and needs urgent!. with a maximum period of many years, the borrower can repay. Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? You are in debt? You need to create a business? Do not worry because we are here to offer low interest loans. Our range of credit from 30,000 USD $ 900, 000,000.00 … We also lend to the United States Dollar, Euro and Pound and other currencies !! The contents of this … some of the information and send it back to my email [email protected]

    1 Your Name: _______
    2 Contact: _______
    3 Country of residence: ______
    4 Amount of Loan Required: ________
    5 Duration: _____
    6 Gender: _____
    7 Occupation: ________
    8 Income: _______
    9 Date of Birth: ________
    Number 10.Telephone: _________

    Yours in service,
    our company via e-mail once again [email protected]

    Mr, mark ….

  • immaculate finance
  • john

    Welcome to (UNION loan company)
    Personal service for all your financial needs. We Supplier Liberal investment company offering credit
    at low interest rate of 2%, we offer loans like_
    (1) Personal Loans
    (2) Debt Consolidation Loans
    (3) Venture Capital
    (4) Business Loans
    (5) Education Loan
    (6) Home Loan

    Credit for any reason and needs urgent!. with a maximum period of many years, the borrower can repay. Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? You are in debt? You need to create a business? Do not worry because we are here to offer low interest loans. Our range of credit from 30,000 USD $ 900, 000,000.00 … We also lend to the United States Dollar, Euro and Pound and other currencies !! The contents of this … some of the information and send it back to my email [email protected]

    1 Your Name: _______
    2 Contact: _______
    3 Country of residence: ______
    4 Amount of Loan Required: ________
    5 Duration: _____
    6 Gender: _____
    7 Occupation: ________
    8 Income: _______
    9 Date of Birth: ________
    Number 10.Telephone: _________

    Yours in service,
    our company via e-mail once again [email protected]

    Mr, mark

  • Anna Ruben


    I am Anna Ruben from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business, and now i want to used this short medium to congratulate the company for the fast and safe money they loan to me without any form of collateral, i loan 98,000.00USD form the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact them at [[email protected]] he is a very Good man and I know that he will help you immediately.

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