Jan 16, 2017, 9:36 am
Last edit by: Dr Jabadski
Before applying, please note
B of A's restrictions (2-3-4 rule, UPDATED: as of Sept 28,2019 possibly 3/12 for new customers and 7/12 for existing customers. See thread for ongoing discussion) on approving applications:
https://www.flyertalk.com/forum/cred...24-months.html
Nestled in the terms and conditions of all of the personal Alaska Airlines credit card offers:
"This card will not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product."
More info on the COMPANION FARE cert can be found here: https://www.flyertalk.com/forum/alas...-fare-faq.html
This thread is a continuation from THIS discussion (2012-2016)
Concurrent discussion here: https://www.flyertalk.com/forum/alas...017-later.html
As additional resources for these cards, see the following threads in the Alaska Airlines forum
Please do not delete non working offers because sometimes they start working again. Instead move them to the prior offers section.
PERSONAL CARDS
Current offers:
All offers below are DEAD
72K offer: 72K offer
70K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
70K + $100 statement credit: click on the direct link to offer in the DoC article...https://www.doctorofcredit.com/bank-...0-miles-offer/
Prior offers:
50k miles + companion fare, $75 AF, $2k spend (Live Jan 2021 to May 2021)
40k miles + $100 + companion fare, $75 AF, $2k spend
As of December 2018, Bank of America no longer gives you a lower bonus if you're approved for Platinum instead of Signature.
Make sure to opt-in to "Partner Offers" within your Mileage Plan account if you wish to be targeted for single-use application links with increases bonuses.
----------------------------------------------------------------------------------------------------------
Check Personal Card application status online here:
https://www.bankofamerica.com/credit...status-form.go
Personal card Recon Lines:
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
or 888-230-6262
================================================== =======================
BUSINESS CARDS
Current offers:
Now 50k $95 AF $100 Stmt credit $4k spending https://www.alaskaair.com/content/cr...-business-card
Prior offers:
40K>70K
Read post 844 for tips on being approved for the business card.
It may be easier to get approved for a new business with 0 years and $0 gross income.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
Business card Recon Line:
April 2024: BOA Biz Recon (Small Biz Lending, Credit Analyst) 888-782-7717, 888-569-4439 (M-F 8am-7pm EST), both answered by live human in 2-4 minutes. (Both numbers confirmed multiple times in the past 2-3 days.)
866-695-6598 (8-7pm EST M-F)
Biz card status line: 888 663 6262 (not working)
Biz Card credit analyst line: 888-782-7717
Biz card expedited shipping: wait 24 hours after approval for a card number to generate then call 800-901-9830 and a person will answer. If 1st Rep says "no" ask him/her to ck. with a supervisor. This worked for me.
------------------------------------------------------------------------------------
Credit Inquiries
Credit Inquiries for Personal cards come from BofA. Inquiries for business cards come from FIA.
Credit bureaus usually merge inquiries from the same requester made on the same day.
Inquiries from BofA and FIA will not be merged.
Does one have to call BoA to lower a card's credit limit?
Yes, there is no longer any way to contact BOA online. Phone is the only method currently.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
Can you send a secure message through your account online?
No. BOA has removed the secure message functionality, even for Preferred members. The only way to contact BOA now is to call them.
Can I apply for another personal Alaska card if I have one open already?
Some people still can, but these days many people get denied. If you don't want to risk getting denied, it's probably better if you close any existing personal Alaska cards before applying for another one. But be sure to lower credit limit as low as possible at least a few business days before you close the card (though the earlier you can do it the better), because credit limit that's left on the card when you close it stays unavailable to new card applications for a year or more (while credit limit that's lowered as a separate step becomes available to new card applications much sooner)!
.................................................. .................
Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
B of A's restrictions (2-3-4 rule, UPDATED: as of Sept 28,2019 possibly 3/12 for new customers and 7/12 for existing customers. See thread for ongoing discussion) on approving applications:
https://www.flyertalk.com/forum/cred...24-months.html
Nestled in the terms and conditions of all of the personal Alaska Airlines credit card offers:
"This card will not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product."
More info on the COMPANION FARE cert can be found here: https://www.flyertalk.com/forum/alas...-fare-faq.html
This thread is a continuation from THIS discussion (2012-2016)
Concurrent discussion here: https://www.flyertalk.com/forum/alas...017-later.html
As additional resources for these cards, see the following threads in the Alaska Airlines forum
- Alaska Airlines Visa
- Retention/conversion offers & discussion thread
- https://www.flyertalk.com/forum/alas...017-later.html
Please do not delete non working offers because sometimes they start working again. Instead move them to the prior offers section.
PERSONAL CARDS
Current offers:
All offers below are DEAD
72K offer: 72K offer
70K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
70K + $100 statement credit: click on the direct link to offer in the DoC article...https://www.doctorofcredit.com/bank-...0-miles-offer/
Prior offers:
50k miles + companion fare, $75 AF, $2k spend (Live Jan 2021 to May 2021)
40k miles + $100 + companion fare, $75 AF, $2k spend
As of December 2018, Bank of America no longer gives you a lower bonus if you're approved for Platinum instead of Signature.
Make sure to opt-in to "Partner Offers" within your Mileage Plan account if you wish to be targeted for single-use application links with increases bonuses.
----------------------------------------------------------------------------------------------------------
Check Personal Card application status online here:
https://www.bankofamerica.com/credit...status-form.go
Personal card Recon Lines:
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
or 888-230-6262
================================================== =======================
BUSINESS CARDS
Current offers:
Now 50k $95 AF $100 Stmt credit $4k spending https://www.alaskaair.com/content/cr...-business-card
Prior offers:
40K>70K
Read post 844 for tips on being approved for the business card.
It may be easier to get approved for a new business with 0 years and $0 gross income.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
Business card Recon Line:
April 2024: BOA Biz Recon (Small Biz Lending, Credit Analyst) 888-782-7717, 888-569-4439 (M-F 8am-7pm EST), both answered by live human in 2-4 minutes. (Both numbers confirmed multiple times in the past 2-3 days.)
866-695-6598 (8-7pm EST M-F)
Biz card status line: 888 663 6262 (not working)
Biz Card credit analyst line: 888-782-7717
Biz card expedited shipping: wait 24 hours after approval for a card number to generate then call 800-901-9830 and a person will answer. If 1st Rep says "no" ask him/her to ck. with a supervisor. This worked for me.
------------------------------------------------------------------------------------
Credit Inquiries
Credit Inquiries for Personal cards come from BofA. Inquiries for business cards come from FIA.
Credit bureaus usually merge inquiries from the same requester made on the same day.
Inquiries from BofA and FIA will not be merged.
Does one have to call BoA to lower a card's credit limit?
Yes, there is no longer any way to contact BOA online. Phone is the only method currently.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
Can you send a secure message through your account online?
No. BOA has removed the secure message functionality, even for Preferred members. The only way to contact BOA now is to call them.
Can I apply for another personal Alaska card if I have one open already?
Some people still can, but these days many people get denied. If you don't want to risk getting denied, it's probably better if you close any existing personal Alaska cards before applying for another one. But be sure to lower credit limit as low as possible at least a few business days before you close the card (though the earlier you can do it the better), because credit limit that's left on the card when you close it stays unavailable to new card applications for a year or more (while credit limit that's lowered as a separate step becomes available to new card applications much sooner)!
.................................................. .................
Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
Bank of America Alaska Airlines card
Jun 22, 2017, 8:06 pm
#452
Join Date: Oct 2010
Location: Texas
Programs: Too many to count!
Posts: 27
Safe to apply again?
I had 2 personal AS cards, the most recent one I got was 1 year ago. Older card had $2000 cl and newer card had $15000 cl. A couple of weeks ago I called and had the $15000 reduced to $5000. Since it appears that BoA now restricts you to 1 personal AS card, last week I converted both to no-AF cards. The conversion was final 2 days ago. That way I could keep my relationship open with them.
I'd like to now apply for another personal AS card. Thinking of applying within a few days. Does this sound like I have a good chance for an auto approval for the sig card? Yes, I know, I wish I had been thinking further ahead and reduced that $15000 a few months ago.
I'd like to now apply for another personal AS card. Thinking of applying within a few days. Does this sound like I have a good chance for an auto approval for the sig card? Yes, I know, I wish I had been thinking further ahead and reduced that $15000 a few months ago.
Last edited by CynthiaD; Jun 22, 2017 at 8:37 pm
Jun 23, 2017, 7:06 pm
#453
Join Date: Feb 2009
Posts: 6,598
I had 2 personal AS cards, the most recent one I got was 1 year ago. Older card had $2000 cl and newer card had $15000 cl. A couple of weeks ago I called and had the $15000 reduced to $5000. Since it appears that BoA now restricts you to 1 personal AS card, last week I converted both to no-AF cards. The conversion was final 2 days ago. That way I could keep my relationship open with them.
What card did they convert you to ?
BOA offers a personal and business travel rewards card with a 25K point signup bonus and NAF . Perfect for keeping the relationship going.
Jun 23, 2017, 8:31 pm
#454
Join Date: Oct 2010
Location: Texas
Programs: Too many to count!
Posts: 27
I converted one to the cash rewards card, the other to the travel rewards card. But since I was doing a product change and not opening a new account I couldn't get bonuses.
Jun 23, 2017, 8:49 pm
#455
Join Date: Feb 2009
Posts: 6,598
Seems like you missed an easy $350 for spending $1500
Jun 29, 2017, 9:59 pm
#456
Join Date: Jan 2017
Posts: 790
I have 2 BoA credit cards (Cash Rewards and Travel Rewards) - one from 2005 and the other from 2015. I do not use them anymore for normal spend but I do a few small charges to keep them active. I used to have a mortgage and checking/savings with BoA but I do not anymore.
I have 795-805 credit scores and 8 hard pulls on Experian. It actually should be 7 as my BoA Travel Rewards hard pull was on June 5th 2015 so it should not count per the 2 year rule, but it hasn't disappeared from my Experian app yet. Not sure if this matters, minor details hopefully.
I have opened 4 new credit cards in 2017 all with non BoA banks, with the last one being in April (AMEX SPG).
I have never had an Alaska credit card at all.
I was planning on applying in the next day for a personal Alaska card and then after immediately applying for the Virgin Atlantic card to merge the hard pulls.
I have a 90 day freeze on all my 3 bureaus so I will not get insta-approvals, but I am aware of the need to call Bank of America during business hours so I can resolve the pending app and deal with getting the right Alaska card if they approve me for the lesser of the two cards.
Does anyone knowledgeable with BoA and these Alaska cards see any reason why this would not be a good idea? Not looking for promises of course, just opinions.
I noticed a recent post on AwardWallet mentions that doing 2 BoA credit card apps at the same time is more risky -now-, but I am not sure if they mean applying for 2 Alaska cards at once which I have no desire to try. I do not see any downside to doing the Alaska app first and then doing the Virgin Atlantic one but posting here in case I am missing something.
I have 795-805 credit scores and 8 hard pulls on Experian. It actually should be 7 as my BoA Travel Rewards hard pull was on June 5th 2015 so it should not count per the 2 year rule, but it hasn't disappeared from my Experian app yet. Not sure if this matters, minor details hopefully.
I have opened 4 new credit cards in 2017 all with non BoA banks, with the last one being in April (AMEX SPG).
I have never had an Alaska credit card at all.
I was planning on applying in the next day for a personal Alaska card and then after immediately applying for the Virgin Atlantic card to merge the hard pulls.
I have a 90 day freeze on all my 3 bureaus so I will not get insta-approvals, but I am aware of the need to call Bank of America during business hours so I can resolve the pending app and deal with getting the right Alaska card if they approve me for the lesser of the two cards.
Does anyone knowledgeable with BoA and these Alaska cards see any reason why this would not be a good idea? Not looking for promises of course, just opinions.
I noticed a recent post on AwardWallet mentions that doing 2 BoA credit card apps at the same time is more risky -now-, but I am not sure if they mean applying for 2 Alaska cards at once which I have no desire to try. I do not see any downside to doing the Alaska app first and then doing the Virgin Atlantic one but posting here in case I am missing something.
Last edited by jiaogulan; Jun 30, 2017 at 6:05 am
Jul 2, 2017, 5:55 am
#457
Join Date: Nov 2013
Location: New York City
Posts: 184
I know there is no science to this, but any opinions as to how long to wait after being issued an AS Signature and Business card before closing them? And how long before applying again?
I was approved for both at the beginning of May and following the advice of experts here have already reduced my credit line on both (Signature to 1K).
These were my first cards ever with BOA, and I have no other accounts with them.
Any advice appreciated.
I was approved for both at the beginning of May and following the advice of experts here have already reduced my credit line on both (Signature to 1K).
These were my first cards ever with BOA, and I have no other accounts with them.
Any advice appreciated.
Jul 2, 2017, 7:14 pm
#458
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
I have 2 BoA credit cards (Cash Rewards and Travel Rewards) - one from 2005 and the other from 2015. I do not use them anymore for normal spend but I do a few small charges to keep them active. I used to have a mortgage and checking/savings with BoA but I do not anymore.
I have 795-805 credit scores and 8 hard pulls on Experian. It actually should be 7 as my BoA Travel Rewards hard pull was on June 5th 2015 so it should not count per the 2 year rule, but it hasn't disappeared from my Experian app yet. Not sure if this matters, minor details hopefully.
I have opened 4 new credit cards in 2017 all with non BoA banks, with the last one being in April (AMEX SPG).
I have never had an Alaska credit card at all.
I was planning on applying in the next day for a personal Alaska card and then after immediately applying for the Virgin Atlantic card to merge the hard pulls.
I have a 90 day freeze on all my 3 bureaus so I will not get insta-approvals, but I am aware of the need to call Bank of America during business hours so I can resolve the pending app and deal with getting the right Alaska card if they approve me for the lesser of the two cards.
Does anyone knowledgeable with BoA and these Alaska cards see any reason why this would not be a good idea? Not looking for promises of course, just opinions. I noticed a recent post on AwardWallet mentions that doing 2 BoA credit card apps at the same time is more risky -now-, but I am not sure if they mean applying for 2 Alaska cards at once which I have no desire to try. I do not see any downside to doing the Alaska app first and then doing the Virgin Atlantic one but posting here in case I am missing something.
I have 795-805 credit scores and 8 hard pulls on Experian. It actually should be 7 as my BoA Travel Rewards hard pull was on June 5th 2015 so it should not count per the 2 year rule, but it hasn't disappeared from my Experian app yet. Not sure if this matters, minor details hopefully.
I have opened 4 new credit cards in 2017 all with non BoA banks, with the last one being in April (AMEX SPG).
I have never had an Alaska credit card at all.
I was planning on applying in the next day for a personal Alaska card and then after immediately applying for the Virgin Atlantic card to merge the hard pulls.
I have a 90 day freeze on all my 3 bureaus so I will not get insta-approvals, but I am aware of the need to call Bank of America during business hours so I can resolve the pending app and deal with getting the right Alaska card if they approve me for the lesser of the two cards.
Does anyone knowledgeable with BoA and these Alaska cards see any reason why this would not be a good idea? Not looking for promises of course, just opinions.
I noticed a recent post on AwardWallet mentions that doing 2 BoA credit card apps at the same time is more risky -now-, but I am not sure if they mean applying for 2 Alaska cards at once which I have no desire to try. I do not see any downside to doing the Alaska app first and then doing the Virgin Atlantic one but posting here in case I am missing something.
Jul 3, 2017, 6:36 am
#459
Join Date: Jan 2017
Posts: 790
Jul 6, 2017, 9:45 am
#461
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,740
People should get rid of the outdated concept of minimizing HPs.
In 2017 it is risky with BofA, Chase (which now has a new dept to manually review accounts), never works with Citi and IIRC, Barclays as well.
HPs has much less impact since 2015 due to Chase implements 5/24 and Citi changed to 24 months cycle that is more restrictive than Chase. The issuers evolve so as the players need to do the same, i.e. learn the new reality.
In 2017 it is risky with BofA, Chase (which now has a new dept to manually review accounts), never works with Citi and IIRC, Barclays as well.
HPs has much less impact since 2015 due to Chase implements 5/24 and Citi changed to 24 months cycle that is more restrictive than Chase. The issuers evolve so as the players need to do the same, i.e. learn the new reality.
Jul 6, 2017, 3:53 pm
#462
Join Date: Dec 2011
Location: Bay area, CA
Programs: SW, AS, UA, AA, Delta, Hilton, Hyatt, Club Carlson, SPG, IHG, Choice
Posts: 183
I am planning to apply for 1 Personal and 1 business AS card. First time applicant with BoFA. No CC with them yet. FICO 800+.. About 9/24 (For chase purpose)
If I meet minimum spend during august, what would be expiry on these certificates? July (Card application month) or August (Minimum spend met) of next year? How soon do they issue these certificates after meeting minimum spend?
If I meet minimum spend during august, what would be expiry on these certificates? July (Card application month) or August (Minimum spend met) of next year? How soon do they issue these certificates after meeting minimum spend?
Jul 7, 2017, 7:44 am
#463
Join Date: Jul 2013
Posts: 1,784
People should get rid of the outdated concept of minimizing HPs.
In 2017 it is risky with BofA, Chase (which now has a new dept to manually review accounts), never works with Citi and IIRC, Barclays as well.
HPs has much less impact since 2015 due to Chase implements 5/24 and Citi changed to 24 months cycle that is more restrictive than Chase. The issuers evolve so as the players need to do the same, i.e. learn the new reality.
In 2017 it is risky with BofA, Chase (which now has a new dept to manually review accounts), never works with Citi and IIRC, Barclays as well.
HPs has much less impact since 2015 due to Chase implements 5/24 and Citi changed to 24 months cycle that is more restrictive than Chase. The issuers evolve so as the players need to do the same, i.e. learn the new reality.
And I totally don't understand what you mean when you say about something being "risky" with some banks, and never working with others. What's risky?
Jul 7, 2017, 9:10 am
#464
Join Date: Jun 2009
Location: TPA
Programs: DL Diamond, HH Diamond, IHG Plat, Marriott Gold
Posts: 1,256
So I just applied for the business card and got approved for $4,500 (less than the $5K needed for Signature). I called in to see what can be done about the limit but both reps said that the business card doesn't have the tiered bonus structure like the personal one does. Is this accurate?
Want to make sure before I go applying for a 2nd one today.
Edit - Reading the terms the above seems correct.
Want to make sure before I go applying for a 2nd one today.
Edit - Reading the terms the above seems correct.
Jul 7, 2017, 10:51 am
#465
Join Date: Oct 2011
Posts: 4,166
So I just applied for the business card and got approved for $4,500 (less than the $5K needed for Signature). I called in to see what can be done about the limit but both reps said that the business card doesn't have the tiered bonus structure like the personal one does. Is this accurate?
Want to make sure before I go applying for a 2nd one today.
Edit - Reading the terms the above seems correct.
Want to make sure before I go applying for a 2nd one today.
Edit - Reading the terms the above seems correct.