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TPG reader Dan tweets:

“I’m in Philly where most flights are US Airways. When is the best time to sign up for US Airways credit card before the merger?”

First off, the merger hasn’t been approved by the government yet. Per the AP, currently 19 states are reviewing the merger for antitrust review. While most experts believe that the merger will get final approval, anything can happen at this point. So until the merger is 100% approved and scheduled to go ahead, I wouldn’t rush to get the US Airways Mastercard.
US Airways MastercardThat being said there is currently an offer for 35,000 miles after first purchase with the $89 annual fee waived for the first year. (Click on the terms and conditions to load the offer details since it doesn’t show on the landing page). There recently was a 40,000-mile sign-up bonus, but that has since been discontinued. Will it ever increase again? Your guess is as good as mine, but I wouldn’t be surprised to see Barclaycard try and entice as many new cardholders as possible while they still have the product, so I’d personally wait and see what happens. Once you get the card, you likely can’t get the bonus again – Barclaycard has really cracked down on people getting multiple bonuses for the same product.

 That being said, there is more to a credit card than just the sign-up bonus, so if you are flying US Airways a lot it may make sense to get the card to take advantage of the key benefits:

  • Redeem flights for 5,000 fewer miles (when redeeming for US Airways operated award tickets)
  • 2 miles per $1 on US Airways purchases
  • 10,000 Preferred Qualifying Miles after $25,000 spent each calendar year
  • Waived award processing fees: $25 per domestic ticket; $35 per Mexico or Caribbean ticket; $50 per Hawaii or international ticket.
  • Two roundtrip companion tickets each year. Companion is $99 tickets plus taxes and fees. Valid for round-trip coach class travel within and between the contiguous U.S. and Canada when the Primary Cardmember purchases a qualifying ticket (minimum fare purchase of $250 required).
  • Preferred check in and Zone 2 priority boarding on every flight
  • One complimentary US Airways Club day pass every year
  • $75 Club Membership Discount Voucher

Those benefits can add up to a lot of extra value, and then when and if the airlines merge, as is likely, and Citi becomes the co-branded credit card issuer, you can apply for the card offerings from Citi at that time.

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

Apply Now
More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
5.00%
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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.