Tag Archives: Bank of America

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How Much Did I Pay in Credit Card Annual Fees in 2021?

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Good morning everyone, I hope your week is going well.  Last year, I wrote How Much Did I Pay in Credit Card Annual Fees in 2020?  I wanted to create a similar post for 2021, so I listed all of our credit cards that have annual fees and sorted them by when the annual fee posted.  Whenever I see an annual fee post, I always call the credit card company to see if there are any retention offers available.  At the bottom of this post, I will also share what retention offers I received this year, which credit cards I closed, and which credit cards I converted.  As a starting point, if I kept every single credit card with an annual fee this year, I would have 26 credit cards and paid a total of $4,468 in annual fees.  Here are our credit cards and annual fees (LT = Laura’s cards):

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Bank of America Alaska Airlines Credit Card 20% Rebate for In-Flight Purchases Works Great

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Good morning everyone.  A few weeks ago, I flew Alaska Airlines from San Francisco to New York and took advantage of the 20% rebate for in-flight purchases for paying with my Bank of America Alaska Airlines Credit Card (works on both the personal and business credit card).  A 20% rebate is a great benefit and you actually earn 3x Alaska Airlines miles on the original price (before the rebate).  I wanted to share my experience since I haven’t seen this benefit written about extensively.

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My AMEX Offer, Chase Offer, and BofA BankAmeriDeals Loading Strategy & Thoughts

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Good afternoon everyone.  I’m a big fan of good AMEX Offers and Chase Offers, but I have received a ton of bad offers lately, so I wanted to share my loading strategy and thoughts.  I will also briefly cover Bank of America BankAmeriDeals at the end of this post.  Let’s get started with AMEX Offers.  I created this chart to divide up AMEX Offers into 4 separate buckets:

  • Good offers on all cards
  • Good offers on 1 card
  • Bad offers on all cards
  • Bad offers on 1 card

Unfortunately, most of the recent AMEX Offers fall into the “Bad offers on all cards” and “Bad offers on 1 card” buckets.  You will have to decide for yourself what you consider a good AMEX Offer vs. a bad AMEX Offer.  A good AMEX Offer is an offer that I don’t need to go out of my way to research or use.  A bad AMEX Offer requires a lot of research to look up the store or service, see what they sell, and figure out if it is worth the price.  I don’t spend much time with bad AMEX Offers.

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Track Down Missing $200 Statement Credit on Bank of America Alaska Airlines Credit Card (6 Month Saga)

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Good morning everyone, I hope your week is going well.  As part of my October 2020 App-O-Rama, I applied for the Bank of America Alaska Airlines Business Credit Card on October 25, 2020.  At the time, the credit card was offering 40,000 Alaska Airlines Miles, a $99 Companion Fare, and a $200 statement credit after spending $2,000 in 3 months.  Long story short, I completed the $2,000 minimum spend requirement on December 14, 2020, and received the 40,000 Alaska Airlines Miles and $99 Companion Fare on January 6, 2021, but the $200 statement credit was nowhere to be seen (or spent).  I then spent the next 6 months waiting and following up with Bank of America regarding the $200 statement credit.  This post documents the timeline of events.

As part of my application process for any new credit card or bank account, I take screenshots of the offer and terms & conditions just in case I do not receive the bonus as promised.  Here is the screenshot of the Alaska Airlines Business Credit Card that I applied for on October 25, 2020.

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How Much Did I Pay in Credit Card Annual Fees in 2020?

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Updated at 9:20am PT on 1/4/21: I went through my credit card statements and found 2 more retention offers, so I updated the second table below.

Good morning everyone, I hope your weekend is going well.  In December 2019, I wrote I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?  In that post, I listed all of our credit cards that had annual fees and I attempted to justify why paying over $4,500 in annual fees was worth it.  Unfortunately, 2020 made it very difficult to get a ton of value out of our travel reward credit cards, so in March 2020, I wrote Reconsideration Strategy for Credit Card Annual Fees During Coronavirus Pandemic.  I decided to list all of our credit cards that have annual fees, sort them by when the annual fee posted / will post, and called for retention offers every time a new annual fee posted.  At the beginning of 2020, we had 25 credit cards with annual fees and would pay $4,845 in annual fees if we made no changes or retention offer calls.  In this post, I will share what retention offers we received, which credit cards we closed, and which credit cards we product changed.

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