Category Archives: Reader Requests

Can You Earn a 2nd AMEX Sign-Up Bonus When You Apply for a New Business?

Million Mile Secrets reader, Danielle, commented:

I opened the Starwood Preferred Guest® Business Credit Card from American Express in the past using my Social Security number.  I recently started a new business and have an EIN number.  Can I open another AMEX Starwood small business card using my EIN to earn another sign-up bonus?

Great question, Danielle!

With the AMEX once per card, per lifetime rule, it’s very unlikely you’ll earn the sign-up bonus again by applying with a new Employer Identification Number (EIN).

Because you must also include your Social Security number on a small business credit card application.  So AMEX can see if you’ve earned the sign-up bonus before.

AMEX Business Card Sign Up Bonus

With AMEX Personal or Small Business Cards, You Can NOT Earn a Sign-Up Bonus on the Same Card More Than Once

Instead of applying for the same card, I’ll share other ways to boost your miles & points balances!

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How Do Credit Card Perks Work With Prepaid Hotel Stays?

Million Mile Secrets reader, Jennifer, commented:

What happens if you use the Citi Prestige 4th night free perk for a prepaid hotel stay?  Would anything happen to the reservation if I cancel the card before the stay?

Thanks for the questions, Jennifer!

The 4th night free benefit with the Citi Prestige Card can save you lots of money!  While it’s possible to get a credit for the 4th night before your stay, you usually receive the rebate AFTER your hotel stay.  It doesn’t matter if you prepay at booking.

That said, if you cancel your Citi Prestige card after booking a prepaid or regular hotel stay, nothing will happen to your reservation.

But keep in mind, while prepaid hotel stays might save you a few bucks, you should only book this way if your plans are firm.  Besides typically being non-refundable, you could also lose certain credit card rebates, depending on the card you use.

Prepaid Hotel Stays

Before You Book a Prepaid Hotel Stay at Hotels Like the St. Regis Bali, There Are a Few Things You Should Keep in Mind!

I’ll explain what to consider when booking prepaid hotel stays!

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Do ALL Credit Inquiries Count Toward Chase’s 5/24 Limit?

Million Mile Secrets reader, Ryan, commented:

Does the Chase “5/24 rule” only apply to inquires for credit cards or also other loans as well?  I have 4 credit inquires in the past 24 months, including 1 loan and 3 credit cards.

Also, are there any free reliable tools to count credit inquiries?

Great questions, Ryan!

Only new credit card accounts count toward Chase’s “5/24” limit.  So if you’ve opened 5 or more new credit cards (from any bank) in the past 24 months, you will NOT be approved for most Chase cards.

The exception is certain small business cards, which do NOT appear on your personal credit report.

Additional credit inquiries for loans or declined card applications don’t count toward Chase’s 5/24 limit.  That said, all banks review your credit report.  And too many inquiries could impact your chances of getting approved for new cards.

Do ALL Credit Inquiries Count Toward This Banks Strict Card Limit

Understanding Chase Application Rules Can Help You Earn More Sign-Up Bonuses, Which Is the Fastest Way to Get Big Travel!

Because of the strict Chase application rules, I’ll explain why it’s best to get their cards first.  And remind y’all the easy way to check your 5/24 status.

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When Does the Clock Start for Earning Southwest Companion Pass?

Million Mile Secrets reader, Annie, commented:

I understand I must earn 110,000 Southwest points in one year to earn the Companion Pass.  So if I start earning points in April 2017, do I have until April 2018 or December 2017 to earn the required points?

Great question, Annie.

To get the Companion Pass, you must earn 110,000 Southwest points in a calendar year.  So you have from January to December.

And the Companion Pass is valid through the last day in the following year in which it’s earned.  So if you earn the Companion Pass now, it’s good through December 31, 2018.

That’s why I typically recommend folks earn the Companion Pass as early in the year as possible.  Because you can take advantage of the BEST deal in travel for nearly two full years!

Southwest Companion Pass Timing

Emily and I Think the Companion Pass Is the Best Deal in Travel!

I’ll remind y’all how you can earn the Companion Pass!

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20,000 AMEX Points With a New Card That Won’t Show on Your Personal Credit Report!

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

Million Mile Secrets reader, Chanda, commented:

Can you get the The Blue Business℠ Plus Credit Card from American Express and earn the 20,000 point sign-up bonus if you already have the AMEX Blue for Business card?

Yes!  The no annual fee AMEX Blue Business Plus is considered a different card product from the old AMEX Blue for Business card (no longer available).

So you can earn 20,000 AMEX Membership Rewards points after meeting minimum spending requirements with the new card!

And AMEX small business cards do NOT show up on your personal credit report.  This means they won’t count against Chase’s card limit.

AMEX Blue Business Plus Approval

Earn 20,000 AMEX Membership Rewards Points With the AMEX Blue Business Plus, Which Is Enough for a Round-Trip Delta Award Flight From Los Angeles to Seattle!

I’ll share why the AMEX Blue Business Plus offer might appeal to folks looking to boost their AMEX points balance!

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3 Best Ways to Use Starwood and Marriott Points for United Airlines Award Flights

Million Mile Secrets reader, Patrick, commented:

Is it better to transfer Starwood points directly to United Airlines OR convert them to Marriott points and then transfer to United Airlines miles?

It’s typically NOT a good deal to transfer Starwood points directly to United Airlines.  Because the transfer ratio isn’t favorable.  You only get 1 United Airlines mile for every 2 Starwood points you transfer.

You’ll do better converting your Starwood points to Marriott points.  Then, transfer Marriott points to United Airlines miles.

But there’s another way to use your Starwood or Marriott points for award flights on United Airlines, which might be the best deal!

Starwood And Marriott Points For United Airlines Flights

I Wouldn’t Recommend Transferring Starwood Points Directly to United Airlines. But There Are Other Ways to Use Your Points for United Airlines Award Flights!

I’ll share the 3 ways to convert Starwood and Marriott points to get a United Airlines award flight!

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4 Ways to Fly to Europe Using Fewer Points or Less Cash!

Million Mile Secrets reader, Matt, tweeted:

What are the cheapest cities to fly to in Western Europe?

Great question, Matt!

The best deals can be different depending if you’re redeeming miles & points or booking paid airfare.

For example, one great option to Europe is using British Airways Avios points for flights to Dublin, Dusseldorf, or Berlin.

Or for inexpensive paid airfare, you can consider flights on low-cost airlines like Norwegian Air and WOW Air to destinations like Iceland, London, Oslo, Stockholm, and Copenhagen.

A great part about flying to Europe cheaply is you can travel around to other destinations using budget airlines like RyanAir or via Europe’s extensive rail network.

Cheap Flights To Europe

You Can Explore Europe for Less When You Book Great Deals Using Miles, Points, or Cash

I’ll share how to get to Europe for cheap!

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How to Establish a US Bank Relationship to Get Their New Travel Card

Million Mile Secrets reader, Mike, tweeted:

If I don’t currently have a relationship with US Bank, should I get the Club Carlson Premier Rewards Visa Signature® Card before applying for the U.S. Bank Altitude Reserve Visa Infinite® Card?

Excellent question, Mike!

Lots of folks are excited about the new US Bank Altitude Reserve card.  Because the card’s sign-up bonus is worth $750 in travel.  And you get $325 in travel credit per cardmember year.

As reader Mike implied, you must have an existing US Bank relationship prior to submitting an application for the card.

But I would NOT recommend applying for any other new US Bank cards if your goal is to get the US Bank Altitude Reserve.  Because the bank is known to have strict application rules.

Establish US Bank Relationship

Stop! Instead of Applying for New Credit Cards, I’ll Share a Better Strategy for Establishing a US Bank Relationship

I’ll remind y’all about the new US Bank card offer.  And share tips to establish a US Bank relationship.

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Do You Get Travel Insurance With the AMEX Platinum Card?

Million Mile Secrets reader, Dave, commented:

Does The Platinum Card® from American Express have travel insurance coverage?

Unlike some other travel cards, which have excellent travel protection benefits, the AMEX Platinum does NOT provide coverage for mishaps like trip delays or cancellations.

But you do get insurance for lost baggage and travel accidents when you pay for airfare with your AMEX Platinum card.  Keep in mind, this coverage does NOT apply to award tickets.

Some folks don’t mind giving up travel protection benefits to earn 5X points on airfare, especially if you have travel insurance with a third-party company.

Do You Get Travel Insurance With The AMEX Platinum

You Do NOT Have Any Coverage for Trip Delays or Cancellation When You Pay for Airfare With an AMEX Platinum Card

Air travel preferences can vary a lot from person to person.  So I’ll explain what you should consider when comparing credit card travel protection benefits!

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Does Pooling Hilton Points Keep Them From Expiring?

Million Mile Secrets readers, Robert and Brian, commented:

Does pooling Hilton points with friends and family reset the expiration date for your hotel points?

Excellent question!

Hilton points expire after 12 months of no earning or redemption activity.

Unfortunately, combining Hilton points with friends or loved ones does NOT extend the life of your points.  So be mindful of the expiration date or you risk losing your points!

That said, there are lots of ways to keep your Hilton points from expiring.  Even without staying in a hotel!

Keep Hilton Points From Expiring

Pooling Points Will NOT Extend the Life of Your Hilton Points. But There Are Lots of Other Ways to Reset the Expiration Date!

I’ll share how to keep Hilton points from expiring!

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