Tag Archives: FlexPoints

My 8 Credit Card App-O-Rama Results (Mostly Bad News)

Good morning everyone, I hope you all has a great weekend.  A few weeks ago, I applied for 8 new credit cards during my App-O-Rama.  Here are the 8 credit cards and sign up bonuses that I applied for (not in this particular order).  Unfortunately, my App-O-Rama skills are not as good as they used to be and I was (ultimately) declined for most of these credit cards.

  • Bank of America Alaska Airlines Visa Signature Credit Card: 30,000 AS Miles + $100 statement credit after spending $1,000 in 3 months ($75 annual fee)
  • Bank of America Virgin Atlantic Credit Card: 75,000 VA Miles after spending $12,000 in 6 months ($90 annual fee)
  • Bank of America Amtrak Rewards Credit Card: 30,000 Amtrak Points after spending $1,000 in 3 months ($79 annual fee)
  • US Bank Altitude Reserve Credit Card: 50,000 FlexPoints ($750 in travel credit) after spending $4,500 in 3 months ($400 annual fee)
  • Wells Fargo Visa Signature Credit Card: 20,000 Go Far Reward Points after spending $1,000 in 3 months ($0 annual fee)
  • First Bankcard Best Western Credit Card: 50,000 Points after spending $1,000 in 3 months ($59 annual fee, first year waived)
  • Synchrony Bank Cathay Pacific Credit Card: 50,000 CX Miles after spending $2,500 in 3 months ($95 annual fee)
  • Barclays Wyndham Rewards Credit Card: 45,000 Wyndham Points (3 free nights) after spending $2,000 in 3 months ($75 annual fee)

Long story short, I applied for 3 Bank of America credit cards, starting with the Bank of America Alaska Airlines Visa Signature Credit Card.  I recently closed my previous Bank of America Alaska Airlines Visa Signature Credit Card a few weeks ago, so I was ready to apply again and earn more Alaska Airlines miles.  Unfortunately, my application went to pending.  Since I was not immediately declined, I decided to apply for a Bank of America Virgin Atlantic Credit Card.  Surprisingly, I was instantly approved for that credit card with a pretty small credit limit.  With that success, I decided to apply for a Bank of America Amtrak Rewards Credit Card.  Unfortunately, that application went to pending as well. 1 out of 3 instant approvals was not bad.  I was hopeful that the 2 pending applications could be approved with a short reconsideration call.

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New US Bank FlexPerks Transfer Process (Share & Combine US Bank FlexPoints)

Good afternoon everyone.  I have been a big fan of the US Bank FlexPerks Rewards program for a long time and have been earning and burning US Bank FlexPoints since the 2014 Winter Olympics promo when US Bank offered a larger than average sign up bonus based on the number of medals won by Team USA.  Back in March 2016, US Bank changed the number of FlexPoints you could transfer from 120,000 FlexPoints to 20,000 FlexPoints per year.  There is now another change to the way you transfer FlexPoints from one member to another.  Previously, you only needed the FlexPerks account number to transfer FlexPoints to another account, but now you need the FlexPerks account number and FlexPerks credit card number.

I believe there are 2 reasons for this change.  This change acts as a double authentication to make sure you are transferring FlexPoints to the correct FlexPerks account. Before, it was easy to mistype the FlexPerks account number and your FlexPoints would be sent to a complete stranger.  This change also encourages cardholders to keep a US Bank FlexPerks earning credit card.  If you have a FlexPerks credit card with an annual fee, you can convert to the no annual fee US Bank FlexPerks Select+ American Express Credit Card.

With that said, here is the new US Bank FlexPerks transfer process.  First, sign into your US Bank online account and go to the FlexPerks Rewards Portal.  Then click the Manage Points tab and then click the Transfer Points tab.  Then enter the FlexPerks account number and the number of FlexPoints you want to transfer.  Lastly, click the Continue button.

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My March App-O-Rama Credit Card Sign Up Bonuses Post

Good morning everyone, I hope you are all having a great week.  By the time you read this post, I will be ATVing around the island of St. Kitts (I know, tough life).  Anyway, I wanted to talk about one of my favorite topics – credit card sign up bonuses.  In March, I discussed Which 10 Credit Cards am I Considering for my March App-O-Rama and then in early April, I wrote about my March App-O-Rama Results.  In this post, I will share with you my plans (if any) for redeeming my miles and points.  If you have any better suggestions than the ones I share in this post, please let me know in the comments.  Thank you!

To get started, I was approved for the Bank of America Alaska Airlines Visa Signature Credit Card and the Bank of America Alaska Airlines Business Credit Card.  Both credit cards offered 30,000 Alaska Airlines miles after spending $1,000 in 3 months along with an Alaska Airlines Companion Ticket (which can now be used on Virgin America).  I have a few other Alaska Airlines Companion Tickets in my Alaska Airlines account, so I will probably not use them all.  60,000 Alaska Airlines miles is worth ~$900 to me (valuing Alaska Airlines miles at 1.5 CPP).  I don’t have an exact use in mind, but I like flying on Virgin America first class when I fly from SFO to JFK.

Alaska Airlines Personal Business 30,000 Mile Bonuses Posted

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Downgrading US Bank FlexPerks Travel Rewards Visa Signature & American Express to FlexPerks Select+ and Cash 365 Credit Cards

Good afternoon everyone, I hope everyone is having a great weekend so far.  A few months ago, my $49 annual fee posted on my US Bank FlexPerks Travel Rewards Visa Signature Credit Card.  Since I had spent down the majority of my FlexPoints, I decided to convert my US Bank FlexPerks Travel Rewards Visa Signature Credit Card into a US Bank FlexPerks Select+ American Express Credit Card.  This credit card has no annual fee and earns 1 FlexPoint for every dollar spent with no bonus categories.  This is by no means a good credit card, but it will keep your FlexPoints alive and you can continue to redeem 20,000 FlexPoints for an airline ticket worth up to $400.

US Bank FlexPerks Select Plus American Express Credit Card Landing Page

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Successful Credit Card Reconsideration Calls: Barclays Arrival Plus & US Bank FlexPerks Gold American Express

Good morning everyone, hoppy happy Easter!  As part of my March App-O-Rama, I was approved for 8 new credit cards.  In this post, I will talk about my successful reconsideration calls for the Barclays Arrival Plus Credit Card and the US Bank FlexPerks Gold American Express Credit Card.  If you are curious, I shared the other results of my credit card App-O-Rama here.  Long story short, I applied for both credit cards toward the end of my App-O-Rama and received pending responses for both credit cards.  At that point, I patiently waited for approval emails or denial letters.

Luckily, I received a call from Barclays a few days later regarding my recent application of the Barclays Arrival Plus Credit Card.  The credit analyst told me that Barclays had already extended enough credit to me and she noted that I didn’t use my 2 other Barclays credit cards much (Barclays Lufthansa Credit Card and Barclays JetBlue Plus Credit Card).  She asked if I would be willing to move credit from one of those credit cards to approve the Barclays Arrival Plus Credit Card.  I said yes, that would be fine.  I ended up moving $10,000 from my Barclays JetBlue Plus Credit Card (subsequently lowering that credit line down to $9,500) and having a $10,000 credit line on my Barclays Arrival Plus Credit Card.  I thanked the rep for her help and asked if it were possible to get the credit card expedited to me so I could use the new credit card right away but I was told that there is a $15 cost to expedite the credit card.  I politely declined and agreed to the free USPS First Class Mail (snail mail) option.

Barclays Credit Cards Lufthansa JetBlue Arrival Plus

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