Tag Archives: Barclays Bank

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Which 10 Credit Cards am I Considering for my March App-O-Rama?

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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. Continue reading →

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Easily Track Credit Card Sign Up Bonuses & Bank Account Bonuses with these 2 Spreadsheets

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Hat tip to my friends Bodie and Ramzi for the reminder.

Good afternoon everyone.  2 weekends ago, I was at FTU (Frequent Traveler University) Advanced in Seattle and, naturally, the topic of credit card sign up bonuses and bank account bonuses came up.  Call me old fashioned, but I have a spreadsheet for just about everything – including credit card sign up bonuses and bank account bonuses.  If you are just getting into the credit card or bank account bonus game (I made $2,850 last year from bank account bonuses), it is very important to be detail-oriented and organized.  I have used these 2 spreadsheets since day 1 (I’ve made some modifications along the way), but I think they can definitely keep you organized.  Up first, I have my Credit Card Sign Up Bonus Template.xlsx.  Let me explain this spreadsheet.  Please ask me a question if I miss anything or if anything is unclear:

  • Credit card name, merchant type, credit card number, CVV (3 digit code on the back or 4 digit code on the front of AMEX cards) and expiration date are pretty self explanatory.  I use real data and password protect the spreadsheet, but you can use the last 4 digits of your cards if you feel more comfortable.  I use real data so I can purchase anything online, wherever I am, without having to carry every single card with me.
  • Phone numbers are great for calling customer service without having the card in front of you and come in handy if your card is lost or stolen (most of these numbers are saved into my phone as well).
  • Credit limit is not super useful, but if I need to make a large purchase, I know exactly which cards have big credit limits.  It can also be helpful if you need to make a reconsideration call and move some credit around from existing credit cards.
  • I also track all of my debit cards and authorized user cards so all the info is in one place.

Credit Card Sign Up Bonus Template 1

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Barclaycard JetBlue Plus MasterCard 30,000 TrueBlue Points Sign Up Bonus Posted Slowly

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Good morning everyone, happy Sunday!  This is a short post detailing how long the Barclaycard JetBlue Plus MasterCard 30,000 TrueBlue Points took to post to my JetBlue account.  I was instantly approved for the credit card on December 6 and received the credit card about a week later (card art and features).  My first statement closed on December 26.  The $99 annual fee posted on December 30.  I met the $1,000 minimum spend requirements on January 9.  My second statement closed on January 26 but the sign up bonus points were not on that statement.  The 30,000 JetBlue TrueBlue points finally posted on February 25 (2.5 months after getting the credit card and 1.5 months after completing the minimum spend requirement).

JetBlue Account Balance 30,000 Miles Posted

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5 Ways to Keep American Airlines Frequent Flyer Miles from Expiring (Without Getting on a Plane)

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My cousin called me yesterday afternoon to ask a question about her American Airlines miles expiring. She has a stash of miles expiring in a few months and didn’t even know that miles expire. I gave her a short answer because I was heading home from the mall to get ready for dinner. But it got me thinking, that maybe I hadn’t given her the best advice or even all the options, so I did some research and here’s what I’d tell her now.

Yup, your miles will expire if you don’t have activity in your account every 18 months. If you have no plans to fly to keep your account active, there are plenty of options. My cousin could:

  1. Apply for a Citi AAdvantage or Barclays Aviator Credit Card.
  2. Make a hotel reservation or car rental with an AAdvantage hotel or car rental partner. As long as her American Airlines frequent flyer number is linked to the reservation, she’ll get activity in her account and keep her miles alive.
  3. Link a credit card to the American Airlines dining program.  She can link American Airlines and then get miles when she eats at select restaurants.
  4. Shop online using the AAdvantage shopping portal.
  5. Buy or gift miles, redeem for a magazine subscription, or donate miles to any of American Airline’s partner charities.

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My Outrageous 2017 Travel Predictions + Reader Ideas Needed

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Good morning everyone, I’m sorry for the delay, but I have been diligently thinking about my 2017 travel predictions.  I am going to channel my inner Nostradamus to come up with some outrageous travel predictions for 2017.  Doctor of Credit has a good resource for all other 2017 travel predictions.

Disclaimer: I have made some travel predictions in previous years and I am more often wrong than right, but that losing streak has not dampered my prediction spirit.  To see how bad I am at making predictions, please read A Look Back at my 2016 Predictions (Airlines, Hotels, Credit Cards & MS).  I consider myself an optimistic pessimist (I prepare for the worst, but hope for the best), so these travel predictions will sound depressing.

Airlines

  • Southwest seems bent on making the Companion Pass very difficult to get unless you fly Southwest every week.  I believe credit card signup bonuses will no longer count toward the Companion Pass and Southwest might kill the whole concept of the Companion Pass entirely or switch to a certificate program similar to the Alaska Airlines companion fare or Virgin America companion ticket.
  • Other airline credit cards will adopt the Alaska Airlines companion fare (you pay full price and your companion pays up to $120) or the Virgin America companion ticket (you pay full price and your companion pays full price minus $150).

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