Daraius’ March/April 2012 App-O-Rama – 7 Cards. 300,000 Miles & Points + 2 Free Hyatt Nights [Expired]

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

My referral links are not the best offers for the Citi Thank You Premier and the Chase Hyatt so I’ve not included them in this post, but have included better offers for those cards.

I applied for 6 credit cards in March and 1 credit card in April in my 1st App-O-Rama of the year.  Last year, I earned over 1 million miles and points, but I don’t expect to do that again this year.

I eventually got approved for all the cards except for a 2nd Barclay’s US Air card.  In case you’re wondering, I have a 12+ year credit history and a credit score above 700.

As I wrote earlier, Emily got approved for a 2nd US Air card.  The rep just closed her existing account and opened a new US Air card for her.  I wasn’t so lucky and wasn’t able to convince Barclays to issue me a 2nd US Air card.

Emily and I don’t have any big loans in the next 2 years (equity, house, student, etc.) so we regularly apply for credit cards to earn millions of miles and points.  We also pay our cards in FULL each month because paying interest will negate the benefits of earning miles and points.

We then use these miles and points to have lots of Big Travel with Small Money!

If I were applying for a big loan, I wouldn’t apply for any credit cards until I had my loan.  Much better, in my opinion, to do everything possible to get a low interest rate on the big loan first, and then apply for credit cards.

Many credit cards require you to complete a certain minimum amount of spending before receiving the sign-up bonus.  I am careful to see that I can complete the minimum spending and use the 40+ ways to complete minimum spending requirements.

Credit Card Resources

7 cards from 5 different banks

In general, we apply for credit cards from different banks so that we don’t have credit inquiries (which usually happens every time you apply for credit) hitting only 1 credit bureau.

I want to limit the number of inquiries on each of the credit bureaus because banks don’t like seeing too many inquiries (especially in the last 6 to 12 months) on your credit report.

Equifax, Experian, and TransUnion are the 3 main credit bureaus in the US.  Banks will usually request a copy of your credit report from at least 1 (sometimes more) of these credit bureaus.  The exact credit bureau used depends on where you live and which bank you’ve applied for credit from.

Personal Cards

1.   Chase Sapphire Preferred – 50,000 points (now 40,000 points).  I still hadn’t got the Chase Sapphire Preferred so I applied for the card since I knew that the sign-up bonus would be reducing by 10,000 points.

My last Chase application was the Chase Southwest card in November 2011.  I called the reconsideration line immediately after applying, but they couldn’t process my application.

I called back later that day and the next day and finally got a rep who could process my application on my 4th call.

He asked me questions about my job and income and approved me for the card.  I still get a thrill after being approved for a new card – especially a Chase card!

2.   Chase Hyatt Visa – 2 Free Nights.  The Chase Visa offers 2 free nights in ANY Hyatt, and those 2 free nights are in a suite if you’re a Hyatt Diamond elite member.  Since I’m not sure if I’ll be a Hyatt Diamond member next year, I wanted to get those 2 free suite nights as soon as possible.

I didn’t apply for this on the same day as the Chase Sapphire Preferred.  Instead, I waited to get approved for the Chase Sapphire Preferred and then applied for the Chase Hyatt Visa card a few days later.  I called the reconsideration line and spoke to a nice lady who approved my application after answering a few questions.

I also had her close my Chase British Airways card because the annual fee was coming due and transferred some of the existing credit on that card to my Chase Hyatt card.  I now have 4 Chase personal credit cards and 1 Chase business credit card.

3.  Barclays US Air MasterCard – 40,000 points.  Emily and some Million Mile Secrets readers have been approved for another US Air MasterCard despite already having the card.

So I thought it would be easy to get another card.  But, as I wrote earlier, I wasn’t able to get approved for another US Air MasterCard.  I’ve cancelled my existing US Air MasterCard and will apply again in a few months to see if things have changed.

4.   Bank of America Virgin Atlantic 50,000 points (Transferred to 100,000 Hilton Points).  I applied for this card in November 2011 and still had the card open when I applied for another one.  I was curious to see if Bank of America would approve me for another card despite already having the card.

My experience was similar to Emily’s experience a few months ago.

I called the reconsideration line and verified personal and income information on the application.  The telephone representative approved me for another Bank of America Virgin Atlantic credit without even mentioning that I had an existing card.

I like this card, because 50,000 Virgin Atlantic miles can get you a one way trip from most of the US to London in Virgin’s Upper Class (yes, the fuel surcharges are ~$400), or you can transfer them to 100,000 Hilton hotel points.  I usually transfer my Virgin Atlantic miles to Hilton points in 1:2 ratio by calling the Virgin Atlantic service center.

Please note that  my experience may not be your experience if you apply for the Bank of America Virgin Atlantic card again.

5.   Citi Thank You Premier – 50,000 Points  I applied for the Citi Thank You Premier Visa in November 2011, and I wanted to see if I would get approved for the Thank You Premier MasterCard.

My application was pending, and when I called the reconsideration line, I was told that my application was denied because of too many recent inquiries.  So I wrote a letter to the Citi Executive offices  with a copy of my credit report which I was able to get for free because my application was declined.

I got a call from a nice lady at the Citi Executive office who approved my application on the phone.  In my experience, Citi has a terrible telephone reconsideration experience, but is quite helpful if you write them a letter.

I like the Citi Thank You Premier because the 50,000 point sign-up bonus gets me $665 worth of air travel without any restrictions.  This is great for those flights where I don’t have much flexibility with my schedule or to airports which don’t have much award availability.  Keep in mind that Citi usually allows only 2 personal card applications within a 65 day period.

Note that  my experience may not be your experience if you apply for the Citi Thank You Premier card again.

6.   American Express Hilton – 50,000 Points.  I’ve never had this card, but I wanted it for 2 reasons.  Firstly, it is a no-fee card, so I don’t have to worry about cancelling the card and I want to show American Express that I can keep at least 1 card for a long time!

Secondly, we’ve accumulated lots of Hilton points by transferring points from Hawaiian Air and the Virgin Atlantic credit cards.  50,000 Hilton points gets you 1 night in the top category 7 hotels, but as Loyalty Traveler often points out, you can get a 28% discount if you book a 4-night category 7 AXON award for only 145,000 Hilton points (instead of 200,000 points).

You’re eligible for an AXON award if you have an American Express Hilton card, so this was another reason why I applied for this card.

However, American Express wanted to see my tax returns (again), so I asked the IRS to send American Express the tax returns.  I got approved for the card last week, and it should be in my hands very shortly!

Business Card

7.   Chase Ink Bold – 50,000 Points.  I applied for this card in April, about 3 weeks after applying for the cards above.  I knew that the minimum spending required to get the full 50,000 points was going to increase from $5,000 within 3 months to $10,000 within 3 months.  So I applied for my 3rd Chase card within 3 weeks.  I figured that in the worst case, I’d get denied.  And in the best case, I’d have to spend $5,000 less to get the full 50,000 points.

As I’ve written previously, the Chase Ink Bold is a great way to get another 50,000 Ultimate Rewards points.  I’m a big fan of Ultimate Rewards points because they have a great airline partner, United, which doesn’t charge fuel surcharges for Star Alliance award travel and Hyatt which has some very expensive hotels which I wouldn’t stay in without miles and points.

Business cards are an easy way to get extra miles and points, and as I’ve written previously, many of us may qualify for businesses.  However, business credit cards may not have all the consumer protections which personals cards have.

I applied for the Chase Ink Bold card using the Tax ID (if you don’t have a tax ID, you can use your social security number) from Million Mile Secrets, but I wasn’t approved instantly.  So I called the Chase business reconsideration line and after answering questions about Million Mile Secrets, I was approved.

Credit Score Impact

These credit scores are not official FICO credit scores which lenders usually use, but substitute scores or “FAKO” (as in fake) scores.

But they are good substitutes for me because I don’t want to spend money to get my official credit score.

 Credit Sesame:

My  Credit Sesame score is 725, but the official Experian FICO score on my initial denial letter from Bank of America was 736.  Credit Sesame gives a substitute of my Experian score.

Credit Karma:

My Credit Karma Score

My Credit Karma score is 737, but my official FICO credit score when I received my Citi Thank You Premier is 752.  Credit Karma gives me a substitute of my TransUnion score.

Bottom Line: Most of the millions of miles which Emily and I use for Big Travel with Small Money have come from credit card sign-up bonuses.

And it is nice to know that we can potentially get the Citi Thank You Premier and Bank of America Virgin Atlantic card again (though your personal experience may be different)!

This is a great way to earn lots of miles and points, but you HAVE to be careful.

Don’t apply for credit cards if you can’t pay off the entire balance monthly.  You’ll likely be paying more in interest than the value of the miles and points.  And don’t apply for credit cards if you will be applying for a big loan in the next 2 years.

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107 responses to “Daraius’ March/April 2012 App-O-Rama – 7 Cards. 300,000 Miles & Points + 2 Free Hyatt Nights [Expired]

  1. I was also initially declined for a second Barclay’s Dividend Miles card in April. But once i phoned the reconsideration line, they offered to cancel the existing account and approved me for the new account. The 40k bonus miles posted a few days ago.

  2. I thought you could not apply for more than one chase card within 30 days.

  3. I applied and got approved for 7 cards in the last two weeks. do you think I am pushing it by going for another (the Chase Sapphire)?

  4. @Michael- No fear man no fear.. Usually the person who can get 7 can get 8.. There are no real steadfast rules with chase. If you get the right rep and you make them WANT to help you then they can and will.

  5. Thanks Mike. Anybody know of any cards that let you convert their points to aa miles. I already got the citi aa cards, but I am looking for some more aa points.

  6. @Michael
    try this http://www.webflyer.com/programs/mileage_converter/ you can put in whatever kinds of miles you have… also realize that BA points are valuable as flying on AA flights in usa, canada and to and from s america with no fuel surcharges. so consider the BA chase card (either version see D post)

  7. Daraius, I’ve seen Rick (FTG) and now you mention the Citi Thank You card, and have read the fine print, but I’m not seeing the value. It’s probably just me and I’m not getting it. But would it be possible, when you have time, to do a post on the pro’s and con’s of this card.

    Thanks for the tip on the BofA Virgin Atlantic card, will have to add that to my list for the next app-o-rama.

  8. I has a similar question about Citi Thank You. I applied and received it. I do see a value in 50K signup bonus. But it seems completely worthless beyond that. Any comments?

  9. Hi Daraius,
    Another awesome post! I also sign up for a lot of cards and once I meet the minimum spend and get the bonus I stop using the card. Do credit card companies look down on that? Do you continue using all the cards after you’ve gotten the bonus?

  10. @ Eugene,
    If you have the Citi Forward card (which gives you 5x TY points at restaurants and bookstores – the points can be redeemed @ a 1:1 ratio (making it a 5% card when redeemed for airfare).

    If you have/keep the premier/preferred TY cards, you can redeem any TY points at a 1.33:1 ratio. That makes the Citi Forward card a 6.65% card for dining and bookstores.

    Is that worth the annual fee? I don’t think so. I get the Premier card, use the points at max value (airfare), then cancel it when the annual fee comes due. When it’s time to redeem again, my wife signs up for the card.

    TY points can be transferred between accounts, so that means in a 4 year period, my wife and I can get 4 cards (2 premier, 2 preferred), pay no annual fees, and maximize the rewards value of the Citi Forward card. I don’t have the Forward (my wife does), when I get the Premier card, we transfer her TY points to my account, and redeem them.

    Doing this usually works out to around $1200 in airfare or me a year. ($665 from signup bonus, and another 500-600 from Forward spending).

  11. I wonder what do people say for their 2nd Barclay’s Dividend Miles card. How do you justify to the CSR, the need for a second one when you already have one. Also can you have two Citi Thank You cards too?

  12. @michael, you can get the SPG card and get a 25% bonus when u transfer SPG points to AA (e minimum to transfer is 20k SPG points and u will get 25k AA miles)

  13. @Mike Fein. Thanks Mike. I am familiar with webflyer, but they have some erroneous info though. For example you can’t transfer your Amex Gold Rewards Points to AA. I have Avios points, but what I am really after is the One World Award ticket with AA miles 🙂 16 segments, up to 20K miles, Business for 130,000 miles. Nothing can beat that.

  14. @ Miss Miles. Yes I am getting that card. Do you know if they let you borrow points like other Amex cards ?

  15. @Debbie and the others- It is impossible to argue that general spending is great on the TY premier card since United club will give you 1.5 miles on everything, BA gives you 1.25 on everything, CSP gives you 1.07 on everything and 2.14 on travel (after annual 7 percent dividend) and Amex gold gives you 2x on travel and ink bold has 5x, and 2x catergories. HOWEVER the sign up bonus is significant and here is why. It isnt only 665 in airfare (plus the minimum spend of 3k brings minimum total to 700 in airfare). There is a difference between getting 700 in airfare and “points”. The 700 in airfare is “CASH” meaning you can book any ticket no black out dates etc AND you will get the miles for that flight. If you have elite status on an airline or pushing for status then using a mileage or points ticket wont let you get closer to that status. Using the TY points is PERFECT in that scenario. Its like flying on a mileage ticket and getting points. What I do with that 700 dollars is i look for a flight special for that price that covers the most miles. Plus if you are elite you are getting double miles (or a diamond on delta you are getting 2.25miles per mile). Say I book jfk to tel aviv in the winter special for 700 and pay with those points. Had I used delta miles I would get no “return” on that flight. Instead I will get 12000 elite miles and 30000 frequent flier miles “return” on the “spent thank you points”. lets say 30k delta miles is worth nearly 300 dollars- now my bonus has gone from 665 dollars to 965 dollars.

  16. @missmiles- yes the cc companies certainly do look down. there are 2 possible problems. one they can cancel your card (and youd lose the credit line) after 6 monthsof inactivity though its rare for it to happen before 12mths. However there is another issue- say you want a 2nd copy of the same card (us airways or boa cards) if you have put only one charge or one spend period on it they are less likely to approve a second of the same card. If you spend “regularly” (even just a few purchases a month) you can then “argue” you want a second version to split personal and business expense etc. I have had this recently be the issue in reconsideration for 2 cards. I am curious if perhaps the reason Emily got a second USA card and Dariaus didnt might have been for this reason. D I am curious to know if E had more consistent spend on her card than you did…..

  17. @Michael. do you have a link to the 16 segment award ticket you are talking about ? would love to read about it.. I am planning a 2 month trip for next summer every thing for free…

  18. @ Mike fein. This is the best link that explains all the rules. In my opinion it is the best deal for miles anywhere if you have the time to travel for a couple of months. http://www.flyertalk.com/forum/american-aadvantage/1328727-new-oneworld-aa-explorer-awards-using-aa-miles-not-partner-awards.html

  19. @michael- very cool. thank you. Will make sure to have at least 150 AA miles for me and the wife each by then. very economical

  20. @ Mike fein. sure np. Depending on where you want to go the 130K miles for up to 20K miles of flight distance might be enough. Keep in mind that a connection does not count towards the total miles so if you are flying from JFK to MAD with a connection (not stopover) in LHR, only the distance JFK-MAD counts towards your total traveled miles. Use this awesome tool for distance mapping: http://www.gcmap.com

  21. How long does it take for miles to post on most cards? Is it the usual 6-8 weeks ?

  22. @michael- on all chase cards it always posts with closing of card in period reward is earned (with exception of ultimate rewards mall purchase bonus points sometimes) with amex if it doesnt post you can call as soon as your bill payments clears and have them post instantly. In my experience they posted with boa and citi aa rightaway as well but that is in limited experience

  23. @mike fein. I am getting the Citi AA cards (Visa and Amex). So once I reach my spend I should expect the miles to post right after the next closing date?

  24. Israel Husarsky

    Can I do Citi Premier Visa (I have the Mastercard already) & 2 browser trick for both personal AA cards the same day?

    Also, I did Citi AA 20 months ago & business AAa year ago – all are closed down now – what do I do first the 2 personal cards or the business card?

  25. @Israel Husarsky – You can only do 2 Citi cards in 65 days. That’s why it’s called the 2-Browser trick and not the 3-Browser trick 😉 Do the two personal cards first since you have to wait 95 days after doing a business app with Citi.

    • @Carl – That’s what happened to Emily too, but no love for me.

      @Michael – It depends from person to person, your length of credit with Chase, income etc.

      @Michael – If you’re looking for AA points you could transfer points from the AMEX SPG to AA. The sign-up bonus is 25K points which will transfer to 30K AA miles.

      @mike fein @Steve @Ken @MissMiles – Thanks for helping out!

      @Debbie Schroeder @Eugene – I like the Thank You Premier for the sign-on bonus which gives me great flexibility for domestic US air fare. You can get close to 2 tickets with the sign-up bonus. But I wouldn’t spend a lot on the Citi Thank You Premier. Also, they offer a companion travel ticket for paid tickets and 15% off flights which may save some money as well. Also see the great explanations from mike fein and Steve.

      @MissMiles – I continue to use my cards for some purchases even after getting the sign-up bonus. I usually put a recurring purchase on the card. I want to keep the banks happy so that I can continue to get the sign-up bonus.

      @Shami – Both Emily and I have 2 Citi Thank You Premier cards. I usually say that I want to separate my business and personal expenses or track certain expenses separately which is why I need 2 cards.

      @Michael – You can’t borrow points on the AMEX SPG unfortunately.

      @Israel Husarsky
      – I’d do what Ken suggest. The 2 personal Citi AA cards now and after 65 days go back for the business AA card.

  26. Israel Husarsky

    @ken – do I have to wait to do the business app after the personal?

  27. @Israel Husarsky – Yes, since Chase only allows 2 personal cards in 30 days. I meant in 30 days, and you have to wait 65 days between personal apps. Sorry for the typo. So, apply for both personal cards at the same time, then wait 65 days before you apply for the business card.

  28. @Ken- I think you mean citi. Chase has no such rules whatsoever. its all at the discretion of reconsideration officer

  29. If I buy some miles from AA for example, I assume this will count as a purchase on my cc and therefore count towards my spend requirement right ?

  30. @mike fein – Yes, Citi. I’m all over the place this morning…

  31. Israel Husarsky

    one final question: I f I decide to do the premier visa (I have the mastercard) & get approved 50,000 additional points show up in thank you with 2 sponsor accounts – now I have 2 sponsor accounts & 100,000 points-

    if I close the original card when the fee comes due do I lose that original 50,000 points for teh first card?

  32. @Ken, Daraius – I recently applied for the 2 Hilton cards using the 2 browser trick (not sure if this was even a trick bc one card was a 40k and one was a 50k). I completely forgot about the 65 day rule and A few weeks later I applied for the citi AA MC personal and citi AA MC business, and was denied. Talking to reconsideration didn’t help. My question is do I now need to wait 65 days from the day I applied for the AA cards or is it 65 days from the date I was approved for the 2 Hilton cards?

  33. Darius, I just applied for the BOA Virgin Atlantic and got a response that I will get a response in writing within 30 days. Should I call the reconsideration line already ?

  34. @Missmiles- Ican tell you with certainty that you must wait 65 days from your most recent application. Sadly this happenned to me in March

  35. @Michael – I got the same response and the VA card popped up in my BOA online account within a few days. I was going to call them if I hadn’t heard anything in a week though.

  36. So I called them and they told me that they are not showing any outstanding balances on my cards via Experian and therefore my initial application has been denied. I do have a 2500 balance on one of my Amex cards but is is not showing (maybe it hasn’t propagated yet). I was really surprised to hear that they want to see me having balances on other cards. They said I can ask to have it reviewed again later.. Screw BOA

  37. Daraiuis, I am now sitting in the BA Concorde lounge in London heathrow airport bc I am flying 1st class mile saver LHR-JFK. This is all thanks to you bc if I had never come across your blog last yr and applied for the two 75k AA Citi cards I would never be here! Also as a result of this experience, I now understand people’s obsession with lounge access and status.

  38. my goodness…how in the world do you make a min spend of nearly $14k in three months?

  39. @mikefein, thanks. Good to know. Sadly, I will have to wait about 2 months now to reapply….

  40. @MissMiles – Can you access the BA lounge at LHR if you’re flying on AA metal? Or is it a BA flight?

  41. @Ken- she is flying first class…. any metal works for lounge access>>>>

  42. Thanks MF.

  43. Hi Daraius, will the 2 Citi Hilton card(40K, 50K) 2 browser trick work like the two Citi AA browser trick worked for me last year or should I just apply for one Citi Hilton card and wait another 65 days to apply for the other one? Thanks for your help

  44. Daraius,

    I was wondering how you could get the USAir 40k card. I applied and was approved for the “normal” 30k card, because the application for the 40k promotion requires a USAir employee number which I don’t have. Am I missing something? Is it possible to call Barclays up and get the bonus bumped + the annual fee waived?

  45. I read on other blogs that Chase is closing all accounts and blacklist forever people who had “too many applications” within a short period of time. This is pretty scary. Are you aware of that?

  46. @JY – It’s still working for me: 40k after 1st purchase and 10k each anniversary.


  47. you can also get up to 10K additional miles for a balance transfer

  48. @Michael – Yeah, but BT’s aren’t usually worth it due to the fees they impose for each transfer.

  49. that depends on how much you transfer. Usually everybody charges around 3%. If you transfer 2K at $60 fees and no interest for 1 year and you get 10k miles (not sure if you would) that’s a pretty good deal imo.

  50. @Ken then what should I have keyed in for the employee number? I only got approved for it last Thursday.

  51. @Michael – It’s a 3% fee for BT, so that $2,000BT will yield 2,000 miles at a cost of $60. That’s 3c per mile which isn’t worth it to me.

    @JY – “Only employees of US Airways and US Airways wholly-owned subsidiaries are eligible.” Are you an employee? If not leave it blank.

  52. @Bryan – I used the two-browser trick for two Citi Hilton cards at 50K each. Two cards and two separate accounts now feed my hhonors acct.

  53. @JY – USAirways employees can get bonuses for signing up new cardmembers. When you fly US, you’ll hear them advertise the credit card; they’re using the flight attendants as salespeople.

    Leave it blank.

  54. @Mark oh dear I signed up for the non bonus. If I call up Barclays, what are the possibilities of being matched to the 40k offer?

  55. @Ken I agree if BT:Miles ratio is 1:1 then it is not a good deal

  56. Whats the best way to check all my old closed crédit cards, and if i can reaply for the same cards and still get points.

  57. Great, thanks for reply Mark T. I’ll try for both also

  58. What website/service do you use to pay your rent by credit card, please?

  59. @Mike Fein
    Not always the case that Chase posts the bonus on the statement period when the spend requirement is met. My United Mileage Plus cc (Chase) and my AAdvantage Amex (Citi) both posted on the following months statement because I met the spend requirements too close to the closing date -as per the explaination of the reps I called to see wtf happened to my bonuses :)!
    Just like everything else in this crazy game…everyone’s experience can turn out differently from the rest of our peer group.

    • @Ken – If you’re flying AA First Class you won’t have access to the Concorde room, but will have access to the AA lounge.

      @Bryan – It should work for 2 Hilton cards.

      @JY – Depends which link you used to apply. The link on the blog is for 40K, but there are other version which offer fewer miles. I doubt that you can get the higher offer by calling if you’ve already applied.

      @korrinda – Do you have more details/links>. I’m aware that Chase blacklists folks for not using the account as intended.

      @Mark – Not sure I understand your question, but you can check your credit report to see which cards you’ve had for the past 7 years.

      @Carolyn T
      – I use William Paid to pay my rent. They charge a fee, but it is worth it to get the sign-up bonus.

  60. Thanks, but how do i know when i can try to apply again and still get points, meaning is there any post that lets u know on each card how long after you closed each card u can open it again and recieve points.

  61. Did u write a post on each card when u could reaply to get the points again

  62. Steve Schwartz

    A few months ago, there was a “rumor” about the upcoming ability to transfer Thank You points to BA or Singapore. Apparently, agents confirmed that this was coming but I after an initial flutter of discussion, I haven’t read anything about this in weeks. Anyone know what’s going on with this?

  63. Daraius

    When you do your App–O-Rama, do you apply for all cards on the SAME day ?



  64. @Mark – Do a Google search for cards that are churnable. It depends on the issuer – Chase will not give you a new bonus if you sign up for the same card a second time, although the various Continental/United cards are considered different products. Citi will give you a new bonus 18-20 months after you initially signed up, and BofA/Barclays may give you a second (or even third, or fourth) card within 6 months after your first. These aren’t guarantees; your mileage may vary,

    @ Dr. Schwartz – I too eagerly await this news. I keep looking at the Silkair route map (bookable with KrisFlyer) and salivating.

  65. Israel Husarsky

    aa looks like it is dead – so I did the thank you premier visa (I have mc) & was approved instantly-

    Wife is in review for a mc ( she has visa) – I think its because we did a thank you preferred targeted offer back in december – Hope we can consolidate.

  66. Daraius – RE the Hyatt card, I recently obtained status thru the Visa Signature offer, and was contemplating applying for the Hyatt card (and getting Platinum w two free upgrades and two free nights) at some point during the 90 day trial period… my question is are the free two nights and potential suite upgrades, do they have to be used during a certain period? Do they have an expiration date? I dont have any travel plans until next year (perhaps March ’13) — but do not want to lose the opportunity to use the free rooms/upgrades. Thanks!

  67. Re: MissMiles and others – isn’t it the case that while she has to wait 65 days after her last (denied) apps to apply for 1 or 2 Citi personal cards, she should still wait 95 days before trying another Business app?

  68. @Tara – I believe you only have to wait 95 days after a Business app and 65 days after a Personal app.

  69. There is a new offer for the citi aa out which gives 40,000 miles. I am unable to post the link here so let me know I can redirect you or Darius can point you to it

  70. @Tri Nguyen

    The free night certificates are good for 1 year from issue date. Plus, every year the account is open, and in good standing, you will receive a free night in a category 1-4 Hyatt anywhere in the world. The free nights that come with the card (after first purchase) are good at any category Hyatt anywhere in the world including Park Hyatt Milan, Park Hyatt Paris Vendome, etc. etc.

  71. thanks Corinne!

  72. Daraius
    I have 3 cards, SPG, Southwest, and Barclays US Airways. I would like to really start ramping up my miles, bu I am only 2 years into holding these cards and have a car that also reflects my credit history. My credit score is above 700 per my last check in for the US airways card. Would applying for these cards be a good idea if I am not planning on buying a house in the near future (2 years) and do not have a great amount of credit history?

    If you have any suggestions please let me know.

    • @Mark – I did write a post on that. In general, the AA personal Citi cards can be had every 18+ months, the other Citi cards more often (3 to 6 months), the Bank of America cards every 3 to 6 months. You may also be able to get the bonus again on Chase cards as long as they are different card types (United Mileage Plus vs. United Explorer card). AMEX is ~2 years since you cancelled it, but at least 1 reader said that it didn’t work recently. As always, your personal experience could be different!

      @Steve Schwartz
      – Citi said that they have no such plans, and given that this has died down, perhaps they really had no such plans.

      @david – I usually apply for them on the same day, but not this round. I applied for the Chase Hyatt and the other cards, then the Chase Sapphire Preferred, and almost a months later for the Ink Bold.

      @harvson3 @corinne – Thanks for helping out!

      @Israel Husarsky – The AA link is dead, but I’ll look for new ones today.

      @tri nguyen – You have to use them within a year. I wouldn’t apply for the card if you weren’t going to use them within a year. You can always upgrade a paid reservation to a suite by paying 6,000 points.

      @Tara @MissMiles– Good catch! I thought she had applied only for the personal card, but since she applied for a business card, she’ll have to wait 95+ days. I’ll email her to let her know. Thanks again!

      – You should be able to post at least 1 link in the comments – the spam filter doesn’t like it when there are more than 3 links in a comment!

      @Lennon – Only you can decide if it makes sense for you to apply or not. Feel free to email me if you’d like to discuss which cards to apply for or to bounce ideas off.

  73. here is the link:


  74. Daraius, you have created a monster… In 1 month, my husband and I signed up for 8 cards, (1) Chase BA, (2) Chase Priority Club, (3) Citi Hilton Honors Visa and (2) Amex Hilton Honors. I’m sure there are other better cards to sign up, but we’re not there yet.
    One bizarre thing with our Citi application – On Monday, I filled out the application and got an error message after “submit”. Thinking it didn’t go through, I went back and did the application again. After “submit”, there was an approval message. Today, I got 2 “you’ve been approved” emails with 2 different card numbers. This was done in the same browser.

  75. MileagePlus Club Card invite, $395 – fee free for the first year… UGE89N8ME4U.

    Enjoy! Offer expires May 31, 2012. http://www.clubcardrsvp.com

  76. Robert Hanson

    Wow, convincing the rep to cancel your US Air card, just so you can instantly reapply for the bonus. What possible reason do you give the CSR to justify doing that? I’m sure “I want to get the bonus again” isn’t going to fly. So what has been working?

  77. @ Ken: Yeah, that’s what I was trying to say.. she said she recently applied for one personal and one business but got declined because it hadn’t been 65+ days… I was trying to let her know that b/c one of the apps was for a business card, now she has to wait 95+ days instead of 65 to re-apply, assuming that she intends to try for the business again. If all she wants is to do a 2 browser trick for 2 personals, 65+ days should suffice 🙂

    @MMS: Thanks for emailing her! That’s really nice of you and I’m sure she’ll appreciate not wasting another hard pull by app’ing too early!

  78. @TL – I think she still has to wait 95 days even if she wants to apply for a personal card.

  79. Hey MMS…Thanks for this great blog you have. My first apporama was on 5/29. All apps minutes of each other: citi aa visa (50k, 150 cr, etc), city aa AMEX (50k, 150cr, etc), chase BA (50k/yr), AMEX hh, boa visa sig hawaiianmiles, & boh visa sig hawaiianmiles. All approved EXCEPT AMEX HH . :'( I am waiting to get the denial documents to prepare my case to call, but funny thing I get a target offer from AMEX for 50k gold rewards, bastids.

    I’d like to say that the boa phone number is the same for the boh card and only chase could rush the new card.

  80. Thank you so much for the valuable information. I find your information on credit cards to be very clear and it has helped us maximize our miles. We started applying for credit cards for miles 2 years ago, but as we were gearing up for a refinance I just sat back and researched for about a year and a half till we were finished and as of a few months ago we did our first app-o-rama. Thanks to your blog we successfully earned companion passes and over 570000 miles and points. (That’s spread between 2 people – we’re a family of 4 – two adults and 2 tiny persons). We’ve been successful on the reconsideration line thanks to your “how-to” on that subject – we never would have thought to do that should I not have run across your blog. I’ve always been good at travel research, and we have been able to see a lot of things because I’m good at finding deals – I don’t know why I didn’t get into collecting miles and points years ago. Well – I know why…but it’s too bad I had a false impression. What I’ve learned over these last few months is you just have to do what is right for you – if meeting minimum spends seems daunting, collecting miles on cards might go a little slower, but it’s still worthwhile – and how one person uses their points doesn’t mean it’s the best way for everyone to use them.

  81. How long does it take for the Citi Executive office to get back to you after you send them a letter? I’m having problems and either need to downgrade my card by June 10th or get them to give me the bonus like they promised when I upgraded.

  82. I’m about to do two more for myself: BofA Alaska (will convert to Hilton), SPG Amex and ??

    I’m currently holding (age in months) Sapphire Pref (3) , Ink Bold (2), Hilton AMEX & Citi (3), Southwest (6), Citi AA (6) and US Air (3).
    Gosh, on second thought maybe I’ll just do nothing for now. That’s 7 active cards.
    I did get a nice US Air 15k points with $1,250 spending per month in June-Aug; maybe I’ll just focus on that and my Ink instead and hold out for a super special offer. I do have 2 BofA branded AMEX though that are holding large lines and a total lack of utilization; I would like to swap them for the Alaska and Virgin at some point.

  83. @ Mike H. If you focus on US Air (redeemable on all Star Alliance) they just started a great promotion today for the rest of the month. Buy miles and get 100% bonus. I think this is a great deal for someone who wants to reach a certain level of miles for a specific award. With 100,000 miles you can get a Business class roundtrip from US to Europe.

  84. @Michael – Thanks for the info, I didnt see an email for it but I do see it on the Buy points page. Less whatever points.com charges (is it $30 per trans?) that’s 1.7c per mile. For $1225 I could get 70k miles and cover my June spend with them for the bonus points offer they sent me. Thanks Michael!

  85. @ Mike H Exactly!

    • @Michael – Thanks! I’ve updated the links with another version of the 50K offer.

      @TTN – Ha! Citi is very strange at times, but glad it worked out. There are always cards to sign-up for, so do what works best for you!

      @tri nguyen
      – Thanks!

      @Robert Hanson
      – The strange thing is that the rep suggested doing that for Emily! I didn’t even suggest that! It could be because she had the lower version of the MasterCard. I’ve now closed my US Air card and will try again in a few months.

      @TL – Glad to do it!

      – Congrats on the approvals! You can call the AMEX reconsideration line and ask them to look up your application via your social security number.

      @Shalisa – Congrats! I love my Southwest Companion Pass! I completely agree with you that there’s no “bad” way to use miles and to do whatever is right for you. Thanks for sharing.

      @Jake – In my experience it takes about 2 weeks.

      @Mike H – The BOA Alaska airlines does NOT convert to Hilton. But the BOA Virgin Atlantic and Hawaiian Air does.

      @Michael @Ken – Thanks for helping out!

  86. I wonder if it would be worth it to do $1,000 with AZ payments and then $225 in buying miles from US Air.

  87. Dear Daraius,

    Usually how long will it take to make reconsideration call after you apply for Chase card and get the result “under review or declined”? Is there any difference for business card and personal card about the time to call? Thanks!


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  90. For the newly acquired AMEX card, can you see yet if the account opening year is backdated on your credit report? I have (somewhat) recent experience of newly acquired AU accounts not being backdated due to some law and changes and what not (discussed in “Member since” thread on FT), so just want to make sure primary cardholders are not affected when getting new cards. Thanks.

  91. Have flown on AA a hundred times and never saw the inside of an Admiral’s Club. Would love to! Kind of you to offer.

  92. I recently(April) applied for and got the citibank Thankyou card — would that count as applying for a personal card from citi that would prevent me from getting a new citi advantage card (i have an existing citi advantage card)???
    Citi tells me that since I already have a citi aadvantage world elite card that they will reject my app.
    Others have this experience???

    • @gil – If you got your last Citi personal AA card 18+ months ago, you should be able to get the bonus again. I’d wait a least 2 months (if not 3) since your Thank You card before applying for the AA cards.

  93. Daraius or anyone,

    Do you know if Citi will allow CLs to be moved around? I have a Diamond Preferred ($9,000 CL) that I never use and want to open a Citi Hilton Honors Reserve card with that CL. I also have a Citi Thank You Preferred with a $11,700 CL that I want to leave alone. I know Chase and Bank of America will allow CLs to be moved around, but heard Citi can be difficult. According to Credit Karma, my FAKO score is 763. Credit Sesame’s FAKO score is 815 (that one sounds a bit high). Any advice would be welcomed. Thanks.

    • @Robert S – In my experience, it is a bit hit or miss with Citi. But other readers have had success getting their limits reallocated. But it doesn’t hurt to call and ask them to reallocate the limits.

  94. It often depends on the history you have with the bank. If you have been with citi for 10 years and a decent amount of $ deposited there they will usually work with you.

  95. Thanks Daraius and Michael.

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  97. Hey man,

    Really like everything you’ve been sharing. Much appreciated. I’m having an issue with getting my girlfriend approved for citicards because they say she has no credit. She’s a non US Citizen, but has verifiable income in the US. Any suggestions on what to do to still apply to cards? I definitely want to churn as well, so finding a way to get approved with 5 or 6 is ideal.