Category Archives: Credit Cards

Apply for a New Credit Card

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If you are looking for a new credit card, you found the right place.  Click any of the links below to see great credit card options.

Chase Credit Cards

Chase Ink Business Preferred Credit Card80,000 Chase Ultimate Rewards Points after spending $5,000 in 3 months.
Chase Ink Business Unlimited Credit Card$500 cash back after spending $3,000 in 3 months.
Chase Ink Business Cash Credit Card$500 cash back after spending $3,000 in 3 months.
Chase Sapphire Reserve Credit Card50,000 Chase Ultimate Rewards Points after spending $4,000 in 3 months.
Chase Sapphire Preferred Credit Card60,000 Chase Ultimate Rewards Points after spending $4,000 in 3 months.
Chase Freedom Unlimited Credit Card$150 cash back after spending $500 in 3 months.
Chase Freedom Credit Card$150 cash back after spending $500 in 3 months.
Chase British Airways Credit Card120,000 British Airways Avios after spending $30,000 in the first year.
Chase Southwest Airlines Performance Business Credit Card80,000 Southwest Airlines Points after spending $5,000 in 3 months.
Chase Southwest Airlines Premier Business Credit Card60,000 Southwest Airlines Points after spending $3,000 in 3 months.
Chase Southwest Airlines Priority Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase Southwest Airlines Premier Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase Southwest Airlines Plus Credit Card40,000 Southwest Airlines Points after spending $1,000 in 3 months.
Chase United Explorer Business Credit Card50,000 United Airlines Miles after spending $3,000 in 3 months.
Chase United Explorer Credit Card40,000 United Airlines Miles after spending $2,000 in 3 months.
Chase Marriott Bonvoy Boundless Credit Card75,000 Marriott Bonvoy Points after spending $3,000 in 3 months.
Chase Marriott Bonvoy Bold Credit Card50,000 Marriott Bonvoy Points after spending $2,000 in 3 months.
Chase IHG Rewards Premier Credit Card80,000 IHG Points after spending $2,000 in 3 months.
Chase World of Hyatt Credit Card50,000 Hyatt Points after spending $6,000 in 6 months.

American Express Credit Cards

American Express Business Platinum Charge Card50,000 Membership Reward Points after spending $10,000 in 3 months plus another 25,000 Membership Reward Points after spending an additional $10,000 in 3 months.
American Express Platinum Charge Card60,000 Membership Rewards Points after spending $5,000 in 3 months.
American Express Business Gold Charge Card50,000 Membership Rewards Points after spending $5,000 in 3 months.
American Express Gold Charge Card40,000 Membership Rewards Points after spending $2,000 in 3 months.
American Express Business Green Rewards Charge Card5,000 Membership Reward Points after your first purchase.
American Express Green Charge Card15,000 Membership Rewards Points after spending $1,000 in 3 months.
American Express Blue Business Plus Credit Card10,000 Membership Reward Points after spending $3,000 in 3 months.
American Express Plum Charge CardEarn $600 statement credit after spending $30,000 in 3 months.
American Express SimplyCash Plus Business Credit CardEarn $250 statement credit after spending $5,000 in 3 months + another $250 statement credit after spending an additional $10,000 in 12 months.
American Express Cash Magnet Credit CardEarn $200 statement credit after spending $1,000 in 3 months.
American Express Platinum Delta SkyMiles Business Credit Card80,000 Delta SkyMiles + 5,000 MQMs after spending $6,000 in 3 months + $100 statement credit after your first Delta purchase.
American Express Platinum Delta SkyMiles Credit Card75,000 Delta SkyMiles + 5,000 MQMs after spending $3,000 in 3 months + $100 statement credit on your first Delta purchase.
American Express Delta Reserve Business Credit Card80,000 Delta SkyMiles + 5,000 MQMs after spending $6,000 in 3 months.
American Express Delta Reserve Credit Card75,000 Delta SkyMiles + 5,000 MQMs after spending $5,000 in 3 months.
American Express Gold Delta SkyMiles Business Credit Card70,000 Delta SkyMiles after spending $4,000 in 3 months + $50 statement credit after your first Delta purchase.
American Express Gold Delta SkyMiles Credit Card60,000 Delta SkyMiles after spending $2,000 in 3 months + $50 statement credit after your first Delta purchase.
American Express Blue Delta SkyMiles Credit Card10,000 Delta SkyMiles after spending $500 in 3 months.
American Express Hilton Honors Business Credit Card125,000 Hilton Honors Points after spending $3,000 in 3 months.
American Express Hilton Honors Aspire Credit Card150,000 Hilton Honors Points after spending $4,000 in 3 months.
American Express Hilton Honors Ascend Credit Card150,000 Hilton Honors Points after spending $3,000 in 3 months.
American Express Hilton Honors Credit Card100,000 Hilton Honors Points after spending $1,000 in 3 months.
American Express Marriott Bonvoy Business Credit Card100,000 Marriott Points after spending $5,000 in 3 months.
American Express Marriott Bonvoy Brilliant Credit Card100,000 Marriott Points after spending $5,000 in 3 months.
American Express EveryDay Preferred Credit Card20,000 Membership Rewards Points after spending $1,000 in 3 months.
American Express EveryDay Credit Card15,000 Membership Reward Points after spending $1,000 in 3 months.
American Express Blue Cash Preferred Credit Card$300 cash back after spending $1,000 in 3 months.
American Express Blue Cash Everyday Credit Card$200 cash back after spending $1,000 in 3 months.

Citi Credit Cards

CitiBusiness American Airlines Platinum Select Credit Card50,000 American Airlines Miles after spending $3,000 in 3 months plus an other 10,000 American Airlines Miles after spending $10,000 in 12 months.
Citi American Airlines Executive Credit Card50,000 American Airlines Miles after spending $5,000 in 3 months plus complimentary Admirals Club membership.
Citi American Airlines Platinum Select Credit Card50,000 American Airlines Miles after spending $2,500 in 3 months.
Citi American Airlines MileUp Credit Card10,000 American Airlines Miles + $50 statement credit after spending $500 in 3 months.
Citi Premier Credit Card50,000 Thank You Points after spending $4,000 in 3 months.
Or email me for a referral link. Thank you.
Citi Costco Anywhere Visa Business Credit Card4% cash back on gas; 3% cash back on restaurants & travel; 2% cash back at Costco.
Citi Costco Anywhere Visa Credit Card4% cash back on gas; 3% cash back on restaurants & travel; 2% cash back at Costco.
Citi Double Cash Credit Card18 month 0% balance transfer offer + 2% cash back everywhere.

Capital One Credit Cards

Capital One Spark Cash Business Credit Card$500 cash back after spending $4,500 in 3 months.
Capital One Spark Miles Business Credit Card50,000 Miles after spending $4,500 in 3 months.
Capital One Spark Cash Select Business Credit Card$200 cash back after spending $3,000 in 3 months.
Capital One Spark Miles Select Business Credit Card20,000 Miles after spending $3,000 in 3 months.
Capital One Spark Classic Business Credit CardEarn 1% cash back on every purchase, every day.
Capital One Venture Rewards Credit Card50,000 Miles after spending $3,000 in 3 months.
Capital One VentureOne Rewards Credit Card20,000 Miles after spending $1,000 in 3 months.
Capital One Savor Cash Rewards Credit Card$300 cash back after spending $3,000 in 3 months.
Capital One SavorOne Cash Rewards Credit Card$150 cash back after spending $500 in 3 months.
Capital One Quicksilver Credit Card$150 cash back after spending $500 in 3 months.
Capital One Quicksilver One Cash Rewards Credit CardEarn unlimited 1.5% cash back on every purchase, every day. Get access to a higher credit line after making your first 5 monthly payments on time.
Capital One Journey Student Rewards Credit CardEarn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
Capital One Platinum Credit CardGet access to a higher credit line after making your first 5 monthly payments on time.
Capital One Secured MasterCard Credit CardBuild credit when used responsibly, with regular reporting to the 3 major credit bureaus.

Other Credit Cards

Barclays Arrival Plus Credit Card70,000 Arrival Miles after spending $5,000 in 3 months.
Banco Popular Avianca Vida Visa Card20,000 LifeMiles after your first purchase.
Banco Popular Avianca Vuela Visa Card40,000 LifeMiles after your first purchase.
US Bank Cash+ Credit Card$150 cash back after spending $500 in 3 months + 5% cash back at select categories.
US Bank Cash 365 American Express Credit Card$150 cash back after spending $500 in 3 months.
US Bank FlexPerks Travel Rewards Visa Signature Credit Card25,000 FlexPoints after spending $2,000 in 4 months.
US Bank FlexPerks Business Travel Rewards Credit Card25,000 FlexPoints after spending $2,000 in 4 months.
Discover It Credit Card$50 cash back after your first purchase.
Discover It Miles Credit Card$50 cash back after your first purchase.
Wells Fargo Propel American Express Credit Card30,000 Wells Fargo GoFar Rewards Points after spending $3,000 in 3 months.
Wells Fargo Cash Wise Visa Credit Card$200 cash back after spending $1,000 in 3 months.
Wells Fargo Platinum Visa Credit Card0% Intro APR for 18 months on purchases and balance transfers (fees apply). Get up to $600 protection on your cell phone (subject to $25 deductible).
ABOC Platinum Rewards Credit Card$150 cash back after spending $1,500 in 3 months + 5x rewards in select categories.
HSBC Cash Rewards Credit Card$150 cash back after spending $500 in 3 months.
Commerce Bank Rewards Credit Card$150 cash back after spending $1,000 in 3 months.
Toggle Unlimited Everyday Rewards Credit Card$150 cash back after spending $1,000 in 3 months.
Fidelity Rewards Credit Card$100 cash back after spending $1,000 in 3 months + 2% cash back everywhere.
PenFed Power Cash Rewards Credit Card$100 cash back after spending $1,500 in 3 months.

Credit Card Categories

Travel & Airline Credit CardsCredit Cards with Rewards ProgramsCredit Cards with Large Sign-up Bonuses
Cash Back Credit CardsRestaurant Credit CardsGas Credit Cards
Business Credit CardsStudent Credit CardsPrepaid Credit Cards
Credit Card NavigatorBalance Transfer Credit Cards0% APR Credit Cards

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Ebates Credit Card Becoming Rakuten Cash Back Visa Credit Card (July 2019)

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Good afternoon everyone.  I just got an email from Ebates / Rakuten regarding the Ebates Cash Back Visa Credit Card.  Starting in early July, the Ebates Cash Back Visa Credit Card is going to be rebranded to the Rakuten Cash Back Visa Credit Card.  The email also shows the first look at the new credit card.  I like the pretty colors on the credit card that match the new Rakuten logo.

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AMEX Hilton Aspire Credit Card Retention Offer: 10,000 Points After Spending $2,000 in 3 Months

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Good morning everyone.  2 months ago, I wrote Keep, Cancel or Convert? American Express Hilton Aspire Credit Card ($450 Annual Fee).  In that post, I shared that I was offered a retention offer by the American Express rep: earn 10,000 bonus Hilton Honors points after spending $2,000 in 3 months. 10,000 Hilton Honors points is worth about $50 to me and I was planning on keeping the credit card anyways, so I accepted the offer.  A few minutes after the call, I received the following email from American Express.  Unfortunately, the email did not mention any of the retention offer details, but I decided to spend $2,000 on the credit card anyway.

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American Express Sends Out Checks for “Technical Error” Regarding Annual Fee Refund

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Good morning everyone, sorry for the lack of posts lately, I was on vacation in Tahiti and Moorea for 10 days for my pre-honeymoon and didn’t have time to write any posts.  I have several posts in the pipeline, so I will work on getting those published over the next 2 weeks.  Anyway, this morning, Doctor of Credit wrote Numerous American Express Bonus Adjustments Posting Now for Referrals and More.

Yesterday, when I picked up my held mail from the Post Office, I received a letter and check from American Express regarding a “technical error” that caused an annual fee to be charged but not refunded when I closed an American Express credit card.  I have several open and closed American Express credit cards so it wasn’t obvious which credit card this was related to.  Luckily, the letter says account ending in 01009 and I was able to look up that credit card number in my credit card spreadsheet.  I keep all open and closed credit card details in the spreadsheet, so I was able to find out that it was my closed American Express SPG Business Credit Card.

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More Membership Rewards Program Changes (AMEX Gold 4x Restaurants Worldwide & Loyalty Accounts of Authorized Users)

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Good evening everyone.  I was checking my American Express Blue Business Plus Credit Card statement and spotted some important changes to the American Express Membership Rewards program terms.  Doctor of Credit already wrote about the most exciting program change (American Express Gold Card Will Now Earn 4x at Restaurants Worldwide – Not Limited to USA), but I thought I would cover the other, less exciting, but still important changes.  There are 4 pages of changes and details, so I will go through each page of the changes.  Here are the main points from the first page:

  • Effective immediately, you will not be able to add authorized users and have your authorized users have their own Membership Rewards account (separate from the primary Membership Rewards account).
  • Starting on Thursday (June 6, 2019), the American Express Gold Card will now earn 4x at restaurants worldwide (instead of just restaurants in the United States).  All other card bonus categories and caps remain the same.
  • The Blue for Students Card will no longer earn Membership Rewards Points (I can’t even find any info on this card).  You should convert this credit card to an AMEX EveryDay Credit Card.
  • Effective September 1, 2019, you will need to pay your bill by the payment due date, otherwise you may forfeit any Membership Rewards Points earned that period.
  • Effective September 1, 2019, your authorized user will need to wait at least 90 days before you can link their airline/hotel loyalty account to the primary Membership Rewards account.  I believe this is American Express’s attempt to crack down on members selling their Membership Rewards Points by adding a buyer as an authorized user, then adding their airline/hotel loyalty account to the primary Membership Rewards account and then transferring Membership Rewards Points out of the primary account.
  • Effective September 28, 2019, authorized users that have their own Membership Rewards account will have until October 31, 2019, to redeem their accumulate Membership Rewards Points.  In addition, after September 28, 2019, all purchases made by authorized users will have their points post to the primary Membership Rewards account.

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AMEX Phone Rep Offered 10K Membership Rewards Points for Enrolling in Pay Over Time Benefit (Targeted)

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Updated 7:40pm on 6/4/19: I received a letter from American Express with details of the Pay Over Time benefit.  I added the letter to the bottom of this post.

Good morning everyone, I hope you had a great weekend.  Every few days/weeks, Doctor of Credit updates his [Targeted] 10,000 Membership Rewards Points For Enrolling In Pay Over Time post with new links to try to get enrolled.  The benefit is designed to make American Express charge cards act more like credit cards where you can pay your balance over time.  The benefit is bad since you would pay interest on your balance, but the reason people want to enroll in the benefit is because American Express will give you 10,000 Membership Rewards Points just for enrolling in the benefit, regardless if you use it or not.  Every time Doctor of Credit updates the post with a new link to try, I check to see if I am eligible, but I am usually shown this error message.  But that all changed last week…

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