I love credit cards so much! v7.0 - 2025 (see first page for add'l details)

[Duckbug.Ducktales]

Let us know which branch answered quickly, I think I might go for it too.

Tamarac, FL. Phone number: 7542283796. Didn't need to speak to a banker/relationship manager. The person who answered the phone said "let me see if I'm able to do it" and she was after taking my name and email address.

FYI, if you go for it and already have a Citi online account: don't login before applying. I kept getting an error. Read on DOC that it doesn't give the error if you're not logged in. Then after the application is approved, it'll ask you to create an online account but know that you don't have to. If you already have an account, skip creating so you don't have to figure out how to merge them later

 

[georgina]

Anyone recently had to call in for Chase biz card for ID verification? How long after calling did you get approval or not?
DH called last night, they took his info and said if approved it could be 2-3 weeks. Is that a no?

Hard to know. Keep an eye on the website under letters and notices. Last Chase Ink I applied for (April 2025), they called me immediately and asked if I had applied, then was instantly approved.

Back in January it was a different story, I got a letter asking me to upload DL and utility bill, but they still thought I was a fraud. They actually sent me all kinds of materials about identity theft, would not believe it was me applying.

 

[reliev]

Tamarac, FL. Phone number: 7542283796. Didn't need to speak to a banker/relationship manager. The person who answered the phone said "let me see if I'm able to do it" and she was after taking my name and email address.

FYI, if you go for it and already have a Citi online account: don't login before applying. I kept getting an error. Read on DOC that it doesn't give the error if you're not logged in. Then after the application is approved, it'll ask you to create an online account but know that you don't have to. If you already have an account, skip creating so you don't have to figure out how to merge them later

I wanna do this because of the transfer partners and the 1.5x but tbh im waiting for the Amex refreshes that are supposed to come out in 2 months. I have no inquiries right now do you know how long the 100k offer is around? Im trying not to have 2-3 subs to chase after if that makes sense.

 

[Duckbug.Ducktales]

I wanna do this because of the transfer partners and the 1.5x but tbh im waiting for the Amex refreshes that are supposed to come out in 2 months. I have no inquiries right now do you know how long the 100k offer is around? Im trying not to have 2-3 subs to chase after if that makes sense.

Supposedly today is the last day for the 100K branch offer. However, commenters on DOC speculate that it'll be extended. I guess we'll know tomorrow if that's true...

 

[wiscbugs]

Tamarac, FL. Phone number: 7542283796. Didn't need to speak to a banker/relationship manager. The person who answered the phone said "let me see if I'm able to do it" and she was after taking my name and email address.

FYI, if you go for it and already have a Citi online account: don't login before applying. I kept getting an error. Read on DOC that it doesn't give the error if you're not logged in. Then after the application is approved, it'll ask you to create an online account but know that you don't have to. If you already have an account, skip creating so you don't have to figure out how to merge them later

I logged in before applying and had no issues...it autopopulated nearly everything and was approved in a few seconds.

 

[FreeDiningFanatic]

I have a big expense next week and I panic apped for the SW 100k offer on 7.29 (Tuesday night). Instant approval (3/24, 3 open biz cards, 3rd Chase card opened in 2025- 1 biz, 2 personal) @CaliforniaGirl09 I think Chase is lightening up.

I SMed for an expedited card and it arrived already this morning!! That is crazy and a co-branded card, no less!

My MSR ends Dec 30. So I'm thinking the play is to wait to fully hit the MSR until after my Dec statement closes, so if CP stays the same, it can be earned in 2026 for 26/27? I have no CP qualifying points this year, so it would be tough to earn this year anyway, so I guess 26/27 is really my only play.

 

[FreeDiningFanatic]

Noticed a string of standard room availability at Waldorf Astoria Los Cabos Pedregal in early December if anyone was looking to go. It's 190k points now (!) but a good use of FNC.

And they are currently undergoing a renovation, including of the rooms. I would like to go after the refresh and am eyeing our usual January maybe?

 

[mmmears]

And they are currently undergoing a renovation, including of the rooms. I would like to go after the refresh and am eyeing our usual January maybe?

I'm still annoyed that we were both left out of the great Surpass deal months ago. I'd have more FNCs now if I hadn't got the pop up. We were there in February this year and it was wonderful (I think you were there at the same time).

 

[Duckbug.Ducktales]

I logged in before applying and had no issues...it autopopulated nearly everything and was approved in a few seconds.

Oh, good. Perhaps it was my cookies, then. Who knows.

 

[mmmears]

Did anyone go for the United Quest card? The 100k offer surprisingly has me interested in an airline card.

 

[LilSweetPeaPhoto]

Well one of my Hilton FNCs seems to be expiring 12/1. Probably my $15k from last year. The BF and I just earned 2 for the NLL Hilton Honors we did. So I decided to jump on the offerings at WA to get Cabo 2.0 and hopefully NOT get the flu this time! We went in Feb for the 2 nights and got to see the whales. So hoping this time to enjoy the hotel more. Weather is I guess better then?!?! Only other extra downfall is that there are no direct flights on Delta. I managed to find "direct" flights from ORD on AA, so I booked those for us for 20k/RT (each). I think the only routes on Delta take us through ATL, and that can be a PITA to non-rev. But I guess we'll wait and see.

Of course I'd love to go when the whales are more active and there which is late Dec- March (from what I read) but my FNC expires and I don't know where else I would use it before then. Any other awesome redemptions to be had? We used to use them at the AI in PDC, but now that is Hyatt.

I had a Maxmypoint alert that hit. It wasn't for December, but I was scrolling through the flexible date calendar and saw a bunch of dates available.

I have the $3.99 monthly Maxmypoint subscription that I hope will eventually trigger the USB Triple Cash biz $100 software subscription credit. It comes with 10 alerts instead of just 1 with the free account.

OOOh I'll have to look, and perhaps set one, LOL. Are there other Hilton's you're stalking?

No, not yet. We're in the opposote position, trying to get the FNC's as soon as possible to use at the Swan this fall. Right now there's quite a bit of availability for Sept but of course that can change at any time!

I'll ask my BF to check his account tonight. I forgot he got the card too and hit his spend a few weeks back.

 

[Sheree]

Did anyone go for the United Quest card? The 100k offer surprisingly has me interested in an airline card.

I did! easy msr, can always use miles.

 

[NewbieMom]

What is the best way to redeem US Bank rewards? I just got the SUB on my Leverage card and assumed that I could just get cash back or a statement credit. It looks like the cash back option requires a bank account with them (which I don't have) and the statement credit has a terrible rate. 3,333pts = $25. Is opening a bank account with them the best option?

 

[NewbieMom]

I wanna do this because of the transfer partners and the 1.5x but tbh im waiting for the Amex refreshes that are supposed to come out in 2 months. I have no inquiries right now do you know how long the 100k offer is around? Im trying not to have 2-3 subs to chase after if that makes sense.

If you have the spend you could do the Citi first. I'm thinking I'll knock out the 4k in 2 months and will need another spend by then.

I logged in before applying and had no issues...it autopopulated nearly everything and was approved in a few seconds.

This is what I did. Logged in and it autopopulated with my info. My dashboard even shows the 100k tracker!

I'm still annoyed that we were both left out of the great Surpass deal months ago. I'd have more FNCs now if I hadn't got the pop up. We were there in February this year and it was wonderful (I think you were there at the same time).

Keep an eye out for NLL links on Doc. I keep getting the popup too, but the links on Doc always seems to work.

 

[NewbieMom]

Overall thoughts on this bucket list trip: It should really be up there on everyone's must do list! Even though we did everything in a very comfortable way (biz class, nice hotels, private transport), it is still a lot of logistics and moving. It's a super rewarding trip, though! There will be some out of pocket costs if you do this trip using points and miles, but on the flip side, dining and taxis are really inexpensive. At sunset, we had a soda, beer and appetizer at a rooftop bar at the top of the city in Cusco: $8. A nearly 2 hour taxi ride with meet/greet at airport: $34. While we've been to Mexico and the Caribbean many times, this was our first trip to South America. Peru felt very, very safe. It definitely has us interested in more travel in South America.

Thanks for such a detailed trip report! This was a bucket list trip for me before kids, but since I didn't make it, I was going to wait until we can go without them. But I do want to prioritize more active trips sooner. How easy/difficult would you say this trip is for kids (ages 8-12)? If you were to do-over, would you just use taxidatum instead of the Peru Rail train to MP?

@FreeDiningFanatic

And both of you, don't miss the Galapagos! My DD took a self directed budget trip.

Any details you can share? I've looked into a Galapagos trip, but it seems that the cruises are the best way to getting around and seeing multiple islands. Wondering how your DD diy'ed it and whether she was able to use points?

 

[CyndiLouWho]

Hard to know. Keep an eye on the website under letters and notices. Last Chase Ink I applied for (April 2025), they called me immediately and asked if I had applied, then was instantly approved.

Back in January it was a different story, I got a letter asking me to upload DL and utility bill, but they still thought I was a fraud. They actually sent me all kinds of materials about identity theft, would not believe it was me applying.

DH already called and gave them the info they wanted.

 

[wanderlust7]

What is the best way to redeem US Bank rewards? I just got the SUB on my Leverage card and assumed that I could just get cash back or a statement credit. It looks like the cash back option requires a bank account with them (which I don't have) and the statement credit has a terrible rate. 3,333pts = $25. Is opening a bank account with them the best option?

It's a fairly recent change, unfortunately. On the plus side, you can get a SUB for the business checking and do $3000 in cc funding.

 

[hsmamato2]

how inquiry sensitive is Citi? I'm reading less than 6 or they may deny, any other rules bc I'm maxed out on some other brands ATM? (6/24)

 

[hsmamato2]

It's a fairly recent change, unfortunately. On the plus side, you can get a SUB for the business checking and do $3000 in cc funding.

oh,so I need to open a bank acct with them to cash anything out?

 

[wanderlust7]

oh,so I need to open a bank acct with them to cash anything out?

Confusingly enough, it depends on the card. The Leverage biz and Connect biz were changed so that statement credit is no longer 1 cpp. Triple Cash biz you can still do statement credit for 1 cpp, as well as Cash+ (which is the only personal I have, so I don't know about the other ones). There are also other ways to redeem depending on the card (like travel, gift cards, or charity donation), but I've never done it.