CREDIT CARD REWARDS & RULES



As far as what I know regarding credit card application guidelines ...
  • Citi Bank
    • No two consumer cards will be approved on the same day.  2nd consumer card may be approved 8 business days after the first card is approved.
    • Most cards' sign-up bonus is not available to card applicant if the same card account has been opened or closed with the last 18 months.  This includes downgrade the card to a no-fee version card.
  • Chase
    • Card applicants who have had 5 cards (Chase or non-Chase) opened within the last 24 months would likely not see the application for Chase Freedom, Sapphire Preferred, or Ink card approved.
    • Application may also be denied if too much credit limit ($30k) has been increased in the last 24 months when there is no income increase.
  • American Express
    • AMEX card sign-up bonus is eligible once per life-time for each card.
    • AMEX no longer back dates new account opening date.  Downgrade your old AMEX card to a no-fee version one instead of canceling it to keep good credit card history.

Alaska Airlines Visa Signature Card - 25,000 Alaska Airlines Bonus Miles


•   $75 annual fee not waived for the first year
•   Earn 25,000 bonus miles upon approval
•   Or, spend $1000 in the first 3 months for 25,000 bonus miles and $100 statement credit
•   Or, wait till the 50,000 Alaska bonus miles likely in Fall
•   Coach companion fare every year at $99 plus tax
•   Notably earn 3X for purchases of Alaska Airlines tickets, vacation packages and cargo purchases
•   Reviews: cheap coach US-domestic fare to Hawaii 


American Express Hilton HHonors Card - 50,000 Hilton HHonors Bonus points


•   No annual fee.
•   Sometimes 50,000 points promotional offer available
•   Notably earn 7X on Hilton hotel expenses
•   Reviews: AMEX 50000 HHonor points


American Express Starwood Preferred Guest Credit Card - 25,000 Bonus Starpoints


•   $65 annual fee waived for the first 12 months
•   Earn 10000 Starpoints with first eligible purchase
•   Earn additional 15,000 Starpoints after $5000 purchases in the first 6 months
•   Earn up to 5X for purchases in SPG hotel, 1X on all others
•   Earn extra 5000 points whenever redeeming every 20,000 SPG points
•   1:1  transfer to most frequent airline programs
•   Reviews: SPG 5000 referral bonus


American Express Premier Gold Card - 25,000 American Membership Rewards


•   $175 annual fee waived for the first 12 months
•   25000 AMEX membership rewards offer is available for first-time AMEX member via phone call confirmation .
•   Targeted (non-public) offers of 50000 and 70000 are available
•   Notably earn 3X points for flights booked with airlines, 2X points at supermarkets
•   Reviews: AMEX special offers with selected merchant partners


Barclay Arrival Plus World Elite MasterCard - 40,000 Bonus Miles




•   $89 annual fee waived for the first 12 months
•   2X points earned for all expenses
•   No foreign transaction fee with Chip and PIN technology
•   40,000 bonus miles after spending $3000 in the first 3 months, redeemable as $440 for travel expenses
•   Reviews: free credit score tool, Barclay 20,000 or 40,000 offerings


CHASE Freedom Card - 10,000/20,000 Bonus Ultimate Reward Points






•   No annual fee
•   5x rotational categories, 1X on all others
•   Sometimes, 20,000 UR bonus points is available
•   Ultimate reward points can be combined with those earned via Chase Sapphire Preferred and/or Chase Ink.
•   Reviews: Chase Freedom to earn 5x


CHASE IHG Reward Card - 80,000 Bonus IHG Points





•   $49 annual fee waived first 12 months
•   80,000 Points can be redeemed for 2 free IHG hotel nights worldwide
•   One free worldwide hotel redemption certificate for every card anniversary ($49 fee)

CHASE Sapphire Preferred Card - 40,000/45,000 Bonus Ultimate Reward Points


•   $95 annual fee waived first 12 months
•   Transfer 1:1 to many hotel and frequent flyer programs
•   No foreign transaction fees
•   Earn 2X on hotel, flight and dining, 1X on all others
•   Reviews: Chase $400 cashtransfer to United miles


CHASE United MileagePlus Explorer Card - 50,000/55,000 Bonus United Miles


•   $95 annual fee waived first 12 months
•   No foreign transaction fees
•   Earn 2X on United purchases, 1X on all others
•   Visit local Chase branch to request target 50,000 UA miles offer
•   Reviews: urgent flighttarget 50K1K from MileagePlus Dining program.


CHASE Marriott Rewards Visa Signature Card - 50,000/70,000 Marriott Bonus Points


•   $85 annual fee waived first 12 months
•   Sometimes, 70,000 points available.
•   No foreign transaction fees
•   Earn 5x on Marriott purchases 2x on travel experiences, 1x on all others
•   Reviews: JW Santa Monica for 4 peopleMarriott e-certificate



CHASE Southwest Airline Rapid Rewards Plus/Premier Card - 50,000 Bonus Points


  $69 annual fee (Plus), $99 annual fee (Premier)
  Join free Southwest Rapid Rewards to receive email alert about promotional 50,000 points offer
•   No foreign transaction fees for Premier card
•   Earn 2X on Southwest purchases, 1X on all other purchases.
•   Anniversary reward 3,000 points for Plus, or 6,000 points for Premier
•   Reviews: fluctuating pricesfamily trip to Las VegasSouthwest Dining Program


Citi Hilton HHonors Visa Signature Card - 50,000 Hilton HHonors Bonus Points

  No annual fee.
•   50,000 points promotional offer with 40,000 points offer available always
•   Notably earn 6X on Hilton hotel expenses
•   Reviews: 300K Hilton HHonor pointsLas Vegas Hilton Grand Vacation promotionHGV Las Vegas ReviewHilton Los Angeles hotel stays for 4New York - Albany Hampton Inn 4 nightsredeem Hilton point tipEmbassy suite near Monterey Beach


Citi Hilton HHonors Reserve Card - two weekend Hilton hotel nights worldwide


•   $95 annual fee
•   Promotion available always
•   Certficate redeem-able for only standard room regardless of hotel category as long as the room is available
•   Certificates redeem-able at selected Conrad and Waldorf Astoria hotels (each standard room stay typically requires more than 60,000 HH points)
•   No foreign transaction fees
•   Earn 10X on Hilton hotel expenses, 5X on airline and car rental, 3X on all others
•   Reviews: Hilton Reserve Card Review


Citi Platinum Select / AAdvantage World MasterCard - 50,000 AAdvantage Bonus Miles

•   $95 annual fee waived for the first 12 months
•   Spend $3000 in the first 3 months for 50000 bonus miles
•   Or, spend $1000 in the first 4 months for 30000 bonus miles
•   Earn 10% of redeemed AAdvantage miles back
•   Earn 2X on American Airline purchases, 1x on others
•   Priority AA boarding with Group 1 privileges
•   Reviews: Citi 50K AAredeem AA tips


Citi Gold / AAdvantage World MasterCard - 25,000 AAdvantage Bonus Miles

•   $50 annual fee waived for the first 12 months
•   Spend $750 in the first 4 months for 25000 bonus miles
•   Earn 1X on all purchases


CitiBusiness AAdvantage World MasterCard - 50,000 AAdvantage Bonus Miles

•   $95 annual fee waived for the first 12 months
•   Spend $1500 in the first 3 months for 35000 bonus miles
•   Or, spend $1000 in the first 4 months for 30000 bonus miles
•   Or, spend $3000 in the first 3 months for 50000 bonus miles
•   Earn 2X on American Airline purchases, 1X on others
•   Priority AA boarding with Group 1 privileges
•   5% AAdvantage mileage bonus during the card membership year.

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