I love credit cards so much! v6.0 - 2023 & 2024 (see first page for add'l details)

[lsutigers03]

With the help of my FIL I blew through the MSR on DW's newest Amex Biz Gold in less than a month. So now I'm looking for a new card. Below are our cards the last two years. We've both been recently denied for the elevated CIU so I'll take a break from Chase for a bit. Also Amex is probably out since we just got a card from them less than a month ago.

Me
3/24

10/24 - US Bank Business Triple Cash
05/24 - CIP
01/24 - Citi AAdvantage Business World Elite MC
01/24 - CIU
09/23 - CIC
08/23 - Capital One Venture
07/23 - Chase Southwest Priority
06/23 - Barclays AAdvantage Aviator Red
05/23 - Chase Southwest Performance Business
03/23 - CIU
01/23 - Chase IHG Premier Business
12/22 - CIC

DW
3/24

11/24 - Amex Business Gold
08/24 - CIP
06/24 - Chase Southwest Performance Business
06/24 - Amex Business Gold
05/24 - Amex Business Platinum
04/24 - Chase IHG Premier Business
11/23 - Chase Southwest Priority
10/23 - CIU
09/23 - Amex BBP
06/23 - CIC
06/23 - Barclays AAdvantage Aviator Red
05/23 - Amex Business Platinum
05/23 - Amex Business Gold
03/23 - Capital One Venture
03/23 - CIU
12/22 - Barclays AAdvantage Aviator Business


I was thinking maybe a Citi Strata Premier or Venture X for DW. I could also get her the US Bank Business Triple Cash but she doesn't have a US Bank account so I would need to use the bonus for statement credits and I would have preferred to cash it out. Anyone have any thoughts?

 

[Arcades]

I was thinking maybe a Citi Strata Premier or Venture X for DW. I could also get her the US Bank Business Triple Cash but she doesn't have a US Bank account so I would need to use the bonus for statement credits and I would have preferred to cash it out. Anyone have any thoughts?

I would target any cards you're eligible for that have a calendar year component since we're in Triple Dip season. If you or P2 are eligible for the Amex Platinum, now would be an ideal time to get it (and I've seen some 175k links floating around). I linked Delta NLL offers on the prior page and the Gold/Platinum Biz cards have Delta Stays credits of $150/200 respectively (Reserve has $250).

The Citi Strata is a great daily driver if you can get it, but you might want to try Citi's pre-approval tool to check first. I've been denied the last 3 times I've applied due to inquiry sensitivity/too many lines of credit. The same would apply for Venture X since C1 pulls all 3 bureaus and the pre approval tool tends to be an accurate indicator of approval chances.

 

[AndreaDM]

Hmm... we'll be in DR at an all inclusive later this month. Wondering if they'll let us use a Club Lounge access award there... Anyone had any luck using them at AIs? I did send them an email, but who knows if I'll get a reply, or the right reply, lol. If they'd let me use it, I'd love one! It would give us the lounge access, private pools for club, and better in room liquor, I guess.

I'm wondering that too, we are going to the new Hyatt Vivid Grand Island and they have a "Vantage Club" there, would be great to be able to use one for that.

 

[afan]

Got approved for Delta Gold Biz, Delta Platinum Biz, Barclays AA and Southwest Performance Business all in the last month!

Here's the link to Delta NLL elevated offers and the MSR period is extended over 6 months: Delta Offers (Expires 1/29/25)

Thank you these! I need more dl miles and was hoping for a decent enough offer. I'll apply for the plat in a few weeks since I don't need new card until Jan. Have the gold as my keeper dl card.

 

[platamama]

Has anyone been to Antigua? I just booked Hermitage Bay because I found 5 consecutive nights available in May for standard award redemption and used the 5th night free feature. I figure it's better to book and cancel than lose my chance at grabbing those. The timing is so fortuitous since my 130K HH SUB just posted to my account this morning and I transferred over MRs to top it off. It's a 2.0cpp redemption which feels kind of crazy for HH.

 

[elgerber]

I just got the "under review" as well. Dang it, with that and the recent Ink denial, it's getting a little frustrating. I've never had a Barklays card at all. My daughter's tuition is due the first of Jan and I can only use a Visa, MC or Discover so no use getting another AMEX right now.

anyone get a call? I got a message from verifications for P2, he is not going to want anything to do with calling them back. Think they will send something that we can mail or fax in?

 

[wanderlust7]

With the help of my FIL I blew through the MSR on DW's newest Amex Biz Gold in less than a month. So now I'm looking for a new card. Below are our cards the last two years. We've both been recently denied for the elevated CIU so I'll take a break from Chase for a bit. Also Amex is probably out since we just got a card from them less than a month ago.

Me
3/24

10/24 - US Bank Business Triple Cash
05/24 - CIP
01/24 - Citi AAdvantage Business World Elite MC
01/24 - CIU
09/23 - CIC
08/23 - Capital One Venture
07/23 - Chase Southwest Priority
06/23 - Barclays AAdvantage Aviator Red
05/23 - Chase Southwest Performance Business
03/23 - CIU
01/23 - Chase IHG Premier Business
12/22 - CIC

DW
3/24

11/24 - Amex Business Gold
08/24 - CIP
06/24 - Chase Southwest Performance Business
06/24 - Amex Business Gold
05/24 - Amex Business Platinum
04/24 - Chase IHG Premier Business
11/23 - Chase Southwest Priority
10/23 - CIU
09/23 - Amex BBP
06/23 - CIC
06/23 - Barclays AAdvantage Aviator Red
05/23 - Amex Business Platinum
05/23 - Amex Business Gold
03/23 - Capital One Venture
03/23 - CIU
12/22 - Barclays AAdvantage Aviator Business


I was thinking maybe a Citi Strata Premier or Venture X for DW. I could also get her the US Bank Business Triple Cash but she doesn't have a US Bank account so I would need to use the bonus for statement credits and I would have preferred to cash it out. Anyone have any thoughts?

You can go pretty fast with Amex. I don't see any problem unless your DW goes for another biz gold (1/90 rule for same card).

For US Bank, I see the statement credit same as cash out. I redeem it against the balance of the statement I met MSR in. Only time I ended up with a credit on my account was when that balance was low. Pretty sure I could have asked for a refund. But I was lazy and now 3 months later, I see the credit removed. I assume my refund check's in the mail.

 

[platamama]

The AF in my DH's Citi Business AA card hit recently and I was thinking of canceling. But now that Citi will be AA's only partner, I don't want them angry. He already has another no-fee Citi card that he's keeping. Would canceling affect his chances of getting the card again in a few years? I don't know how sensitive Citi is about these things...

I don't think Citi will mind (I rode the grAAvy train years ago). I cancelled several of the CitiBiz cards in the past and still got approved for the CitiBiz AA card this year, after my 48 mo waiting period from the last bonus posted.

 

[wanderlust7]

So the Barclay's thing....

I am 2/24 at the moment but that's for Chase (which I am avoiding)...

What does Barclay's look for as far as recent inquiries, recently opened cards, etc?

Barclays has a soft 6/24 new card rule. I've been approved with 2/6 inquiries. They pull Transunion for me, which Chase doesn't pull.

 

[AndreaDM]

Barclays has a soft 6/24 new card rule. I've been approved with 2/6 inquiries. They pull Transunion for me, which Chase doesn't pull.

And for some reason, TU score is always a lot lower than Experian or Equifax for me! Like 40 points lower.

 

[GZanta77]

I'm wondering that too, we are going to the new Hyatt Vivid Grand Island and they have a "Vantage Club" there, would be great to be able to use one for that.

AFAIK Club access awards cannot be used at all inclusives.

Would be interested to hear your thoughts on Hyatt Vivid Grand Island when you get back - have that on my radar for a possible future stay.

 

[VGCgroupie]

Got an email from Capital One for my Kohls card with a promo for December to earn 2X rewards.
You earn 6% on gas, 4% on grocery stores and 2% everywhere else Visa is accepted.*

I dont need anymore Kohls Cash, but just in case anyone does keep an eye on your email.

 

[babyready]

Ugh. Have been needing a new MSR and especially wanted something I could use right away since I have a couple of big-ish charges coming up (Target gift cards tomorrow for one thing!)

The internet told me the BOA Alaska Airlines card would give me a card number right away, so even though I have no immediate use for Alaska miles, I applied. Instant approval but no card number. OK, I guess I will add it to mobile wallet so it will at least work tomorrow at Target. Mobile isn't giving me any options except paypal (I wanted Apple Pay). OK, I try to add to Paypal and I get an error that I have maxed attempts for my authorization code (I have made zero attempts). Call BOA, wait on hold for forever and get someone who then informs me my account is too new so he can't confirm my phone number and I have to go in branch with two forms of ID to get it verified.

I am not able to get to a branch with two forms of ID today, so I guess I am out of luck. What a huge hassle this has been. All for miles I don't even really need.

If you don't have a new MSR and are going to buy a bunch of discounted Target gc tomorrow, which card are you planning to use? I could do online with Paypal for the extra 5% with my freedom...

 

[babyready]

Ooohhh...triple dip. I forget the details on this. I'm not eligible for Plat but DH could be. Off to research a bit more...

 

[VGCgroupie]

If you don't have a new MSR and are going to buy a bunch of discounted Target gc tomorrow, which card are you planning to use? I could do online with Paypal for the extra 5% with my freedom...

Discover is 5% for Target this quarter

 

[afan]

Ugh. Have been needing a new MSR and especially wanted something I could use right away since I have a couple of big-ish charges coming up (Target gift cards tomorrow for one thing!)

The internet told me the BOA Alaska Airlines card would give me a card number right away, so even though I have no immediate use for Alaska miles, I applied. Instant approval but no card number. OK, I guess I will add it to mobile wallet so it will at least work tomorrow at Target. Mobile isn't giving me any options except paypal (I wanted Apple Pay). OK, I try to add to Paypal and I get an error that I have maxed attempts for my authorization code (I have made zero attempts). Call BOA, wait on hold for forever and get someone who then informs me my account is too new so he can't confirm my phone number and I have to go in branch with two forms of ID to get it verified.

I am not able to get to a branch with two forms of ID today, so I guess I am out of luck. What a huge hassle this has been. All for miles I don't even really need.

If you don't have a new MSR and are going to buy a bunch of discounted Target gc tomorrow, which card are you planning to use? I could do online with Paypal for the extra 5% with my freedom...

I've never gotten an instant number for an Alaska card or anything indicating I could add it to a mobile wallet. Also never seen talk about being able to do this.

 

[ten6mom]

Barclays has a soft 6/24 new card rule. I've been approved with 2/6 inquiries. They pull Transunion for me, which Chase doesn't pull.

And could you please remind me... "inquiries" include those pulled for biz cards? Because if it includes inquiries for biz cards I am right at 6 right now.

 

[wanderlust7]

And could you please remind me... "inquiries" include those pulled for biz cards? Because if it includes inquiries for biz cards I am right at 6 right now.

Yes, because inquiries show up on your personal credit report whether it's a personal or biz card. You have 6 inquiries in the last 6 months on the credit agency that Barclays pulls for you?

 

[KPK02090]

Darn it!!

I had FOMO and decided to pull the trigger. No approval. My application is being reviewed.

I suspect it is because I just applied for the JetBlue Barclay card last week and then gave my in obscene CL. I haven't even received that first card yet!

Any chance or DP on calling for recon? Or do I need to wait for snail mail? They stated that I should hear in 10 days...

I got the jet blue card in June with a 26k credit limit. I applied for the AA Aviator in September and it went under review. After a few days I called and they asked if I’d be willing to move some of the credit from Jet blue to AA. I said sure and they approved the card.

 

[babyready]

I've never gotten an instant number for an Alaska card or anything indicating I could add it to a mobile wallet. Also never seen talk about being able to do this.

I had just done a quick google search and read articles on like, Upgraded Points and Nerdwallet. It wasn't super thorough research but thought I would give it a try since I don't have a lot of AMEX options (my usual go to for immediate card numbers). It didn't pay off this time, I guess.

As far as mobile wallet, I just hoped I could add it through the BOA app like normal. But apparently it is too new because I am getting weird error messages.