Category Archives: Credit Cards

Credit Card Bonuses: Latest News, Blues, and a Tightened Noose



I’m in Brazil now. Rio → São Luís → Santo Amaro → Rio. The output will be limited for the next 10 days.

Credit card bonuses: the news

Both AMEX SPG cards, personal and business, now have new sign-up bonuses. The Personal card is 75,000 and the Business 100,000 Marriott points after spending $3,000 and $5,000 respectively in 3 months. Basically, that’s like the old AMEX SPG cards with 25,000 and 33,300 SPG points. Not bad, but nothing to write home about.

AMEX Delta Gold and Platinum 60,000 and 70,000-point offers are back too, until September 19. No, you’re not eligible if you’ve been around the block; the standard AMEX once-in-your-lifetime restriction still applies.

The Chase IHG card has a new $50 statement credit and elevated 105,000-point bonus (vs. the old 85,000 offer) after a $3,000 spend and adding an authorized user in 3 months.

Barclays added 10,000 miles to its AAdvantage card offer: 60,000 miles after the first purchase.

My Best credit card pages have been updated

Do you know why my credit card pages are the best in the blogging world? Not because they are aesthetically pleasing (LOL) and not because there are no affiliate links, but because I never try to list EVERY FREAKING SIGN-UP BONUS out there. I have my standards.

I don’t bother with a credit card if it doesn’t bring at least $400 to the table

Which means that a card with a $400 bonus and $95 annual fee is dead to me. Dead, I tells ya!

Although I’m not quite sure that my standards are going to withstand the pressure of these troubling times.


Credit card bonuses: moving to the blues

The final results of my latest app-o-Rama are in and they are the WORST RESULTS in my entire churning “career.”

In the course of the last few weeks I applied for the following cards:

  • American Express Hilton Honors Business 125,000 points
  • American Express Business Platinum 75,000 points $5K/3mths (targeted, no “lifetime” language)
  • First Bank Best Western Business: 48,000 (+32,000 after a crazy spend) points
  • First Bank Best Western Personal: 50,000 + 20,000 points
  • Synchrony Cathay Pacific 35,000 + 30,000 points (targeted)
  • Barclays Wyndham Rewards: 45,000 points
  • Chase Ritz Carlton: 2 free nights plus Gold status

   My preliminary results:


  • American Express Hilton Honors Business
  • American Express Business Platinum
  • First Bank Best Western Business
  • First Bank Best Western Personal
  • Synchrony Cathay Pacific with a $300 credit line!

Denied for too many accounts in 24 months:

  • Chase Ritz Carlton
  • Barclays Wyndham Rewards

   Reconsideration Results

  • Barclays Wyndham Rewards: failed after 3 reconsideration calls
  • Synchrony Cathay Pacific: closed after 3 failed attempts to increase the credit line
  • Chase Ritz Carlton: denied after 1 reconsideration attempt

NB. I decided not to push for the Ritz Carlton reconsideration and to focus on getting the new Luxury SPG card when it becomes available.

So I’m getting 4 new cards out of 7. What’s a big deal? Nothing if something like this has ever happened before. There used to be times when I was able to overturn over 90% of my denials. And no, I couldn’t be any more dramatic, thank you very much…

There are reports that even BoA Alaska Business Card’s churning is getting more restrictive. Come on, that’s a 30,000-mile card with an annual fee we’re talking about!

Is this hobby a newbie territory now?

Yes! If you are a newbie, your time is now. I mean, it’s been now for at least the last 8 years, but it’s come to the point when you seriously need to try if you want to start saving megabucks on your travel expenses. Banks want you badly; they don’t want us veterans; they hope to hook you on free travel so you start borrowing from them at 15% interest. Well, take free travel and other benefits and say #thanksbutnothanks to high-interest credit card loans.

All I can tell you is this: do not get distracted by lousy cards with lousy bonuses. Apply for the best offers. The way more and more banks are looking into your 24-month application history is troubling on very many levels. Say “no” to lousy $100-$200-$300 bonuses. You do, however, have my blessing to apply for this magnificent bonus so you can tell your future grandchildren all about it — in every morbid detail.

More News

American Express has come back with a 30% transfer bonus to Virgin Atlantic. I say grab it for incredible savings on Delta, ANA, South African, and New Zealand Airways. I’ve updated 2 of my last-year posts when the previous bonus was in effect.

There is another AMEX transfer bonus – 25% to JetBlue. It’s quite decent, and can give you around 1.4-1.7x in value, but pick the Virgin bonus for long hauls in Business or First.

Forgive me for not-covering NON-NEWS

Since no one is reading only one blog, I don’t cover things that wouldn’t interest me personally. So Citi Prestige is being discontinued… wait, not being discontinued… wait again, perhaps it will, or… wait a minute, it won’t? Seriously, we’ll get there when we get there. All these speculations – they’re not even funny.

AMEX adding “freeze your card?” Consider me among those ignoramuses who don’t give a shit. Discover has been doing it for years, and, seriously, this measure saves money and protects the banks, not you, no matter how hard they spin it! You’re already protected by the “Fair Credit Billing Act,” at least against the direct financial losses.

I equally don’t care (and neither should you) about the presumed public departure of the AMEX Business Platinum 100,000-points offer, for which you need to spend $25K. $25K? Seriously?

This is not a stab at other bloggers who feel like they have to blog several times a day. In my opinion, a blog post should be either substantive or entertaining, or, preferably, both. But you’ve gotta do what you’ve gotta do, right? It’s just that I’m not into covering every bank/travel-related topic in the universe, so there!

Choose your battles wisely, be it a sign-up bonus or reading material.


Part 1: Get Delta One Suite to Europe for 39,000 MR Points With the 30% American Express Transfer Bonus to Virgin Atlantic

  8.1.18 This is a major and comprehensive update of my old post from November 2017 due to the new American Express Transfer Bonus. I’ve also added new searches and checked availability for major routes. The 30% American Express transfer bonus to Virgin Atlantic is active until 9.12.18, and it’s one of the best dealsContinue Reading

The Chase Ritz Carlton Card Is DEAD, Sweet Citi Prestige Retention Offer, My Other Credit Card Musings, and How to Lose a Bunch of Your Email Subscribers in One Day

  So the Chase Ritz Carlton Card stopped accepting new applications. Doctor of Credit even tried to bribe his followers to find a working link, but alas, no soup. That’s a huge blow – to everyone who doesn’t care about the upcoming SPG Luxury card (you won’t be eligible for the SPG Luxury card if youContinue Reading

I’ve Lost My Credit Card Affiliate Links (And I’m Perfectly Fine With It)

  As ridiculous as it sounds, I have indeed lost my credit card affiliate links Not that they made any difference anyway – I maybe pulled a few commissions in the course of several months. Thank you so much to those of you who supported me on the blog, by the way. I only hadContinue Reading

Miles and Points Strategy for Light Credit Card Users Who Love to Travel

  If you are a reluctant credit card user with a reasonably thick credit file, banks want you. Badly! It’s like that joke, remember?  How banks love giving loans to people who don’t need them. Same thing. Banks hope you will become loyal and spend lots of dough on their credit card so they canContinue Reading

Ebates 13% Cash Back Today Only — Stack With Other Coupons and Credit Cards 5% Cash Back

  I don’t do coupons or those special $5-10 off deals, etc. for 2 reasons. First, because there are other bloggers who do it better than me, and second, because these kinds of savings don’t inspire me, personally. I’m just not a coupon kind of guy, that’s all I’m saying. But this one-day Ebates 13%Continue Reading

ANA Has Dropped Fuel Surcharges for Award Flights on Scandinavian Airlines

  The ANA page tends to default back to Japan (as a home region) when you log out and log in again. I didn’t think much about it until I finished all the screenshots for this and another post. Then I realized that all that JPY pricing might look weird (duh!) but seriously, I’m notContinue Reading

LAST DAY to Get an UNCAPPED IHG Anniversary Night in the First Year

  On Aprtil 2, I made the case that the IHG card is no longer worth applying because Chase had limited the most important card’s benefit, free IHG anniversary night, to a redemption value up to 40,000 points. New IHG Devaluation April 2, 2018 — Chase Limits the Anniversary Free Night to 40,000 Points PreviousContinue Reading

The Hawaiian Airlines Credit Card Offer with 40,000 Miles Bonus and Waived Annual Fee Is Now Public

  For a long time, the 40,000-mile Hawaiian Airlines credit card offer with waived annual fee was only available to Hawaiian residents. Not only is it 5,000 miles more than a regular 35,000-mile offer, but it also waives the $89 annual fee for the first year and requires a lower $1,000 spending requirement (v. $3,000)Continue Reading

New IHG Devaluation April 2, 2018 — Chase Limits the Anniversary Free Night to 40,000 Points

  A few days ago, I wrote a post about the new IGH card. I was arguing that the old IHG card with the 60,000 points bonus, $50 statement credit, and the $49 annual fee waived for the first year was better than the new one with the 80,000 points bonus and $89 annual fee.Continue Reading

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