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Good morning everyone, happy Thursday. My last App-O-Rama (where I applied for several new credit cards at the same time) was back in mid December 2016. I usually wait 3+ months between App-O-Ramas, so the time has come to start my next round of credit card applications. I am going to list the credit cards I have in mind in the order in which I will probably apply for them. If you have any feedback on my strategy or think I am missing or applying for the wrong credit cards, please leave a comment below. Without further ado, let’s begin…
1. American Express SPG Business Credit Card – 25,000 SPG points after spending $5,000 in 90 days and an additional 10,000 SPG points after spending $3,000 in 120 days. No annual fee the first year, then $95 in the second year.
With the impending merger with Marriott, this might be my last opportunity to apply for the SPG business credit card. I can’t pass up this opportunity. 35,000 SPG points are worth ~$700 in hotel nights and airfare (and possibly much more).
2. Bank of America MERRILL+ Credit Card – 50,000 points after spending $3,000 in 90 days. No annual fee.
Doctor of Credit reports that you can apply for this credit card over the phone. 50,000 points is worth $500 cash or up to $1,000 toward airfare.
3. Bank of America Alaska Airlines Credit Card – 30,000 miles after spending $1,000 in 90 days. $75 annual fee.
If my Merrill+ credit card is instantly approved, I will apply for this credit card. 30,000 Alaska Airlines miles is worth ~$500 in flights on Alaska Airlines and Virgin America. You also get an Alaska Airlines companion fare code which means you can bring a companion on any Alaska Airlines or Virgin America flight for only $120.
4. Bank of America Alaska Airlines Business Credit Card – 30,000 miles after spending $1,000 in 90 days. $75 annual fee.
If the Merrill+ credit card and Alaska Airlines personal credit card are both instantly approved, I will apply for this credit card. 30,000 Alaska Airlines miles is worth ~$500 in flights on Alaska Airlines and Virgin America. You also get an Alaska Airlines companion fare code which means you can bring a companion on any Alaska Airlines or Virgin America flight for only $120.
5. Wells Fargo Propel World AMEX Credit Card – 40,000 points after spending $3,000 in 90 days.
Doctor of Credit reports that this application is still available in branch (YMMV). 40,000 points is worth $400 cash, plus the card provides $100 of airline incidentals. I also have a Wells Fargo checking account (thanks to the $250 checking account bonus), so I want to apply for a Wells Fargo credit card while I have my Wells Fargo checking account still open.
6. CNB Crystal Visa Infinite Credit Card – 70,000 points after spending $5,000 in 90 days. No annual fee the first year, then $175 in the second year.
You must apply for this credit card in branch, luckily there are a few CNB branches in San Francisco. 70,000 points is worth $700 cash, plus you get $250 airline incidental credit per calendar year and per card (the authorized user card also gets the $250 airline incidental credit).
7. TD Ameritrade Client Rewards Credit Card – $100 bonus after spending $500 in 90 days. No annual fee.
The sign up bonus is tiny (only $100 cash), but this credit card offers 1.5% cash back on all purchases. When I opened my TD Bank checking account, I also got the TD Connect prepaid debit card. You can only fund that prepaid debit card with a TD Bank credit card and I figured 1.5% cash back was better than earning 1 Aeroplan mile per dollar. I want to get a TD Bank credit card while I still have my TD Bank checking account open.
8. US Bank FlexPerks Gold AMEX Credit Card – 30,000 FlexPoints after spending $2,000 in 120 days. $85 annual fee.
I recently converted my FlexPerks Visa Signature and FlexPerks AMEX credit cards to no annual fee credit cards, so I am looking for more FlexPoints to restock my measly balance. 30,000 FlexPoints is worth up to $600 in travel.
9. Barclays JetBlue Plus Business Credit Card – 30,000 JetBlue TrueBlue miles after spending $1,000 in 90 days. $99 annual fee.
I got the Barclays JetBlue Plus Personal Credit Card during my last App-O-Rama, so I am going to try to add to my JetBlue balance. 30,000 JetBlue TrueBlue miles is worth ~$600 in flights.
10. Banco Popular Avianca Vuela Credit Card – 60,000 Avianca LifeMiles on your first purchase with code AVSPWE. $149 annual fee.
I got this exact credit card during my last App-O-Rama and I am curious if I can get another credit card and sign up bonus. 60,000 Avianca LifeMiles is worth $600 – $1,000.
I am leaving out Chase and Citi this round since Chase will not let me get any other credit cards due to their 5/24 rule. As for Citi, I don’t think there are any working no 24 month language Citi American Airlines Credit Card links. I hate having to apply for some cards online and some cards in branch. The process takes 10 times as long compared to filling out the application online and I am worried that the approval decision will take too long and mess up the rest of my App-O-Rama. I also want to get the credit cards as soon as possible because there are a few bank account bonuses that can be funded with credit cards and those bonuses end on March 31.
Wise Travel with Grant readers, what do you think I should do? Should I focus on the branch and phone offers first or leave those out and try for all the online credit cards first? So many decisions and so little time…
If you have any questions about any of the credit cards mentioned above, please leave a comment below. Have a great day everyone!