I Got a 3rd Club Carlson Card!

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I wrote about my last batch of credit card applications in January and how I was unexpectedly approved for a 2nd personal Club Carlson Premier Rewards card.

This was a surprise, because US Bank is well known for being picky about approving folks who apply for lots of cards!  However, freezing your ARS and IDA credit reports helps with approvals. 🙂

So I decided to sign-up for a 3rd personal Club Carlson Premier Rewards card.  But 1st, I froze my ARS and IDA credit reports  so that US Bank couldn’t access them.

And it worked!  I was approved for a 3rd card!

I Got A 3rd Club Carlson Card

Maybe I’ll Treat Emily to a Trip to Aruba With All My New Club Carlson Points!

But it wasn’t an instant approval this time…

My 3rd Club Carlson Card Experiment

Link:   Club Carlson Premier Rewards

Link:   Increase Your Chance of US Bank Approval by Freezing IDA/ARS Bureaus 

I wasn’t very optimistic about getting a 3rd Club Carlson Premier Rewards card, because their terms and conditions say:

Neither New Account Bonus is available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months.

I figured I got lucky getting my 2nd card earlier this year.  But in the interest of blog research I decided to apply again!

1.   I Froze My ARS and IDA Credit Reports

Before signing-up, I froze my ARS and IDA credit reports.  These are secondary credit bureaus that US Bank often checks, and they include more detailed information about your recent credit applications and history.

I Got A 3rd Club Carlson Card

Freezing Your IDA & ARS Credit Reports Can Increase Your Chances of Getting Approved for US Bank Cards

You can read how to freeze your ARS and IDA credit reports by mail or fax.

2.   I Applied Online With My Current Club Carlson Membership Number

I signed-up for the Club Carlson Premier Rewards card and provided my current Club Carlson account number.

I was NOT instantly approved!

I Got A 3rd Club Carlson Card

No Instant Approval for the Club Carlson Card This Time!

So I waited and in just over a week, I received an email from US Bank.

3.   Approval!  And a New Account Number.

US Bank emailed and said I was approved within ~9 days.

Freezing my ARS and IDA credit bureaus worked!

I Got A 3rd Club Carlson Card

Sometimes You Have to Be Patient! I Was Approved Via Email Within~9 Days

However, despite giving them my existing Club Carlson membership number, they created another new account for me!  So now I have 3 Club Carlson accounts!

This is good (for now) because with 3 separate accounts I can book multiple rooms and get the last night free (until June 1, 2015, when Club Carlson eliminates this perk).

I Got A 3rd Club Carlson Card

Three Cards and 3 Separate Club Carlson Account Numbers!

If I called Club Carlson to merge my 3 accounts into 1, I wouldn’t be able to book multiple rooms for the free night perk.

I Got A 3rd Club Carlson Card

I Didn’t Need Another Club Carlson Account, but They Opened a New 1 Anyway

I got the full 85,000 Club Carlson point sign-up bonus (after meeting minimum spending) on my 2nd Club Carlson card, so I suspect I’ll get it from this card as well.

And even though Club Carlson is eliminating the last night free for cardholders on award stays of 2 nights or more (effective June 1, 2015), this is still a good card!

I’ll be keeping mine for the 40,000 Club Carlson point anniversary bonus (worth 1 night in a category 4 hotel) and free night certificate for spending $10,000 or more in a year.

Bottom Line

I was approved for a 3rd Club Carlson Premier Rewards card.  Normally, US Bank isn’t so generous with their approvals!

To improve my chances, I froze my IDA and ARS credit reports.  And it worked for me!

How many Club Carlson Premier Rewards cards have you had open at once?

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11 responses to “I Got a 3rd Club Carlson Card!

  1. there’s no value anymoer in club carlson….

    why didn’t you tell us this last year

  2. Darius, I just applied for personal club Carlson card after receiving offer in the mail. The offer was to expire at the end of March but the code I was given worked and card is on its way. My question is since the offer is for a free night after any stay and it’s just over 2 weeks till June1, what should I seek for compensation? ps: (applied online using code from mail offer with 85k points and free night stays) Thank you for all you do.

  3. Hey Daraius,

    The terms say: “Neither New Account Bonus is available to applicants who have had this Card or another Club Carlson credit card product within the last 12 months.”

    How do you know you’ll receive the bonus after spending? Are you taking a guess/hope here? And do you find that other banks allow you to receive the bonus even though their terms indicate you can’t?


  4. “Freezing my ARS and IDA credit bureaus worked!”

    How do you know you would not have been approved anyway?

    You could have lit a candle before applying. That might have worded also.

  5. I was approved for my third card, being another personnel card, about 2 months ago. Got 85K bonus and 10K compensation for Club Carlson dropping the second night free program. No freeze on my accounts. Other than the ‘lack of freeze’ my experience same as Daraius.

  6. Even if you get approved at this late date prior to the end of the free night awards, it’s very doubtful that any miles will post prior to June 1. My wife and a friend have both met minimum spending requirements on cards which were received in late April. To date no miles have posted to either account. We had both hoped that the initial purchase would post right away, but that hasn’t happened. While it’s still not a bad deal that could be leveraged for 5-6 free nights, it’s not the deal it once was. We’re both hoping that once the initial CC statement arrives, that we can pay it right away and get credited right away, but that won’t work if you’re in the initial stages of an application in mid-May.

  7. This would have been great last year. The timing is terrible for this. Not only has Club Carlson dropped the bonus night offer but they’ve drastically increased the points requirement for hotels. We stayed at the Radisson Blu in Chicago in April for 50K points. With the free award night it came out to 25K points per night for the weekend. That same hotel is now 70K points a night, almost triple! While it’s still a decent value to be able to get a free night or two with the signup bonus, I don’t think this card is worth much anymore, let alone trying to get three of them.

  8. Robert Hanson

    Razor thin value here. Most of the better properties are now requiring 70K points per night. So for your $75 fee and $2500 spend you do get one night. But who wants to stay somewhere for just one night? I guess if your SO also gets the card, you can get 2 nights. Losing that second night free hurts even more than the devalued points categories. 🙁

    My wife and I both have this card, but haven’t spent anything on it since the double devaluation. We’ll keep them open thru the points stays we already have reserved on the old award chart for this Summer, mainly to keep the Gold Status. But we won’t be paying $75 to renew them.

    Would we reapply sometime in the future? Maybe just for the sign up bonus. But past the minimum spend, we wouldn’t be using them at all. And even at that, I’d have to think long and hard about if the CB Inquiry, Annual Fee, and minimum spend would really be worth it.

  9. @Robert hanson- you are actually paying $150 (75×2) for the 40K renewal points.

  10. It’s so inconvenient that I have 2 club Carlson account numbers. 1 linked to the personal visa the other to the visa. But as you pointed out and I also did this, I booked Aruba for November (4 nights) and was able to use the 2nd night free benefit twice because I had 2 accounts.

  11. This is a little off topic, but it does relate to Club Carlson hotels. I will be in London this summer with my husband and two adult sons. We will be staying at two different hotels to take advantage of the free night. (My son has an account, too). I have read a million reviews (ok slight exaggeration ) and all I am not is CONFUSED where to stay. I have booked reservations at Park Plaza Victoria London and Radisson Blu Edwardian Bloomsbury. I’ve gotten a lot of extra points since the bookings and now I’m trying to decide if I should change hotels and/or upgrade. After reading reviews, I would be very bummed if I paid a lot of points and got a poor room. Here are my options I’m trying to decide on:
    A. Upgrade each room from 50k pts to 75k pts
    B. Change one of the hotels to the May Fair (70k for standard)
    C. Change one of the hotels to the Plaza on the River (70k room1, 105k pts. room2: need two beds).
    D. Change PP Victoria to Edwardian Mercer st. upgrade to 75k
    I’m just not sure if I should upgrade the rooms or change hotels so the standard rooms that are the same amount of points as the upgrades……Ugh, help!