Should I Renew My US Airways Cards?

Should I Renew My US Airways Cards?

Million Mile SecretsShould I Renew My US Airways Cards?Million Mile Secrets Team

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Million Mile Secrets reader Billy D emails with a question:

My business and personal US Airways MasterCard cards are up for renewals this month. In light of the merger, should I renew them?

The US Airways cards will soon become Barclaycard AAdvantage Aviator Red cards.  So Billy can keep his cards and apply for new US Airways cards (even if he has an open US Airways card) or cancel and reapply.

Billy’s chances of getting approved are better if he cancels his current US Airways card.  But he might not want to if it’s his oldest card.  Keep reading to find out why.

50,000 US Airways Miles US Airways Card

Link:   50,000 US Airways Miles US Airways card 

Link:   My review of the Barclaycard US Airways card

Barclaycard is still accepting applications for the US Airways card.  So Billy can get 50,000 US Airways miles after his 1st purchase and payment of the $89 annual fee.

But this may be Billy’s last chance to get the sign-up bonus on this card because it will NOT be available once US Airways and American Airlines merge.

If Billy renews his existing US Airways card, he can still apply for another one.  Although it will lower his chances of being approved.

To improve his chances for approval (and get the sign-up bonus) he should 1st cancel his existing card and ideally wait 6 months before reapplying. 

What Happens After the Merger

All US Airways cards will eventually be converted into Barclaycard AAdvantage Aviator Red cards.  (That card will NOT be open for new applicants.)

And all of Billy’s US Airway miles will become American Airlines miles.

Note: Barclaycard hasn’t said what will happen to the business version of the US Airways card after the merger.  But the same scenario will likely play out.

Impact on Credit Score

Billy would be better off if he cancels his US Airways cards to increase his chances of getting approved for the sign-up bonus on a new US Airways card.

But he shouldn’t cancel his US Airways cards if his personal card is his oldest card because it will affect his credit score.

According to the FICO website, Billy’s credit score is determined by:

  • 35% Payment History
  • 30% Amounts Owed
  • 15% Length of Credit History
  • 10% New Credit
  • 10% Types of Credit
Should I Renew My US Airways Cards
How FICO Calculates Billy’s Credit Score

Canceling a personal credit card impacts the Amount Owed & the Length of Credit History which could reduce his credit score.

So Billy shouldn’t cancel his US Airways card IF it’s his oldest card since it helps his credit score by increasing his Length of Credit History.

And canceling cards with a very high credit limit (compared to the total credit available to him) could also impact his credit score.

Bottom Line

If Billy renews his US Airways card, Barclaycard will convert it to the AAdvantage Aviator Red card, which will only be offered to existing US Airways cardholders.

He could apply for a 2nd US Airways card while renewing his original.   (Some folks have been approved even if they currently have a US Airways card).  But he’ll improve his chances of being approved for a new card and sign-up bonus if he 1st cancels his existing card.

However, if the US Airways card is Billy’s oldest card, he shouldn’t cancel because it could affect his credit score.

What’s your experience with getting a 2nd US Airways card while still having your first?

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Same question as a previous reader. Do you have any idea of when the US Airways card will be going away? I cancelled my previous one yesterday and want to wait as long as I can to reapply.

If I'm planning on getting a 2nd US airways card (got my first on Nov 2nd) should I first close my first one or keep the first one and just reduce that credit limit? Which would have a better chance for approval? Thanks!!

@Chance: the business version is no longer available.

@Darius, in lieu of closing, consider a product change to another Barclays card. For those with an existing card US Air card that have been denied within the last 30 days, try converting it to another (less desirable--read no significant sign-up bonus) card, wait a few days for the conversion to take place, and then call reconsideration on the new US air card application. That way, you preserve the credit line, and get the new card with the new bonus to boot.

This is sort of unrelated, but I just booked a round trip flight from Seattle to Munich for 30,000 points on US air. I had 60,000 points total so I am also taking my dad who is flying from St. Louis. It looks like there is some sort of special on travel through January and therefore I am going skiing in Austria for the first time! If you have US air points, you may want to look at available deals on winter travel. The agent I talked to seemed to think this deal had to be booked by the end of the year.

Do you ever answer questions on your own blog? or is it no longer a blog but a business of pimping cards?

Maybe I should go to the smaller blogs for my future AOR's - at least they give timely answers. If you're "Out of the Office", than maybe you should put up a sign indicating so.

Million Mile Secrets

@Joey - I can't get to all the comments on all the posts, but I do try. Happy Holidays!

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