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Alaska Airlines card offers, Personal & Business, now 30K

Alaska Airlines card offers, Personal & Business, now 30K

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Old Jul 20, 18, 1:20 am   -   Wikipost
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Last edit by: muji
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Before applying, please note
B of A's restrictions (2-3-4 rule) on approving applications:

https://www.flyertalk.com/forum/cred...24-months.html


This thread is a continuation from THIS discussion (2012-2016)
As additional resources for these cards, see the following threads in the Alaska Airlines forum
PERSONAL CARDS
30k mile offer, $75 AF, $1k spend: https://www.bankofamerica.com/credit...s-credit-card/
+2k miles if done with onboard paper application

31K mile offer $75 AF, $1k spend, currently includes initial Companion Fare for just taxes & fees: http://alaskaoffer.com

30k mile offer with $100 credit and "Companion Fare™ Buy one ticket, get one for just the taxes and fees" , $75 AF, $1k spend. The link is dead, but you can find this by making a dummy cash booking on domestic Alaska metal. It appears on the last page before you actually have to pay for the flight. Do not log in during the process. And, of course, do not actually pay for the flight.


If you want a personal card, but are not an expert on the Alaska card approval process STOP, don't apply yet. Instead, read the 4 posts below, very closely. Doing so may save you a huge amount of wasted time and frustration.

A few people in the Alaska Airlines forum have in the past received personally targeted, single-use links for a 50k offer when they opt-in to "Partner Offers" in their Mileage Plan account preferences.


================================================== ========================

BUSINESS CARDS
Read post 844 for tips on being approved for the business card.

30k mile offer, $75 AF, $1k spend, no foreign transaction fees
https://www.bankofamerica.com/smallb...s-credit-card/

Note: There are two different earning formats for the business card, which you choose when you apply:
  • $50 per company, $25 per card (Business Level Earning Plan)
    • $0 per company, $75 per card (Individual Level Earning Plan)



To avoid billing confusion later, make sure you choose the Individual Level Earning Plan
if you are not going to have employee cards under the same account as your account.


Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.

------------------------------------------------------------------------------------
Personal card Recon Line:
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"


Business card Recon Line:
866-695-6598 (8-7pm EST M-F)
Biz card status line: 888 663 6262
Biz Card credit analyst line: 877 665 5022, 877 665 5023 (no longer working, checked 8/18/17)


Check Personal Card application status online here:
https://www.bankofamerica.com/credit...status-form.go

------------------------------------------------------------------------------------

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

For those applying for the AS credit cards in the hope of redeeming AS miles for premium cabin experiences, please be aware of two current issues:
Alaska has not been able to ticket premium-cabins on EK since May ( see here : http://www.flyertalk.com/forum/alask...t-working.html )

Can you book Cathay flights using AS miles? Probably NOT https://www.flyertalk.com/forum/alas...-later-68.html
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Old Apr 13, 17, 7:18 pm
  #226  
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Originally Posted by mak101 View Post
My last AS personal card was approved in Nov 16, I am ready to apply another one. Should I keep old card open or reduce the limit and close account before applying new one. I already have chekcing/saving/other no fee card and AS business card with BofA.
You are not ready to apply for another if you haven't reduced the credit limit yet. You should reduce the credit limit as soon as possible after opening a BofA card, as opposed to waiting until you're ready to apply for another card.

Many people lately are getting denied for another personal card if they have even one open. I would think that should tell you whether you should close after reducing credit limit.

But people who have too much credit "tied up" with BofA may only get approved for a Platinum card (5k bonus) instead of signature. And credit can get "tied up" at BofA if you don't reduce credit limit before cancelling or if you don't wait long enough after reducing credit limit before applying for another card.

So reduce your credit limit immediately. But I'm not sure how long you need to wait after that to close and apply again (with low risk).
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Old Apr 13, 17, 10:39 pm
  #227  
 
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Originally Posted by winjitsu View Post
Just wanted to share I got a targeted mailer ...
Spend $250, get $75 credit towards my next Alaska flight.
Can that credit be used in conjunction with using the discount code for a companion fare?
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Old Apr 13, 17, 11:23 pm
  #228  
 
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Originally Posted by sdsearch View Post
You are not ready to apply for another if you haven't reduced the credit limit yet. You should reduce the credit limit as soon as possible after opening a BofA card, as opposed to waiting until you're ready to apply for another card.

Many people lately are getting denied for another personal card if they have even one open. I would think that should tell you whether you should close after reducing credit limit.

But people who have too much credit "tied up" with BofA may only get approved for a Platinum card (5k bonus) instead of signature. And credit can get "tied up" at BofA if you don't reduce credit limit before cancelling or if you don't wait long enough after reducing credit limit before applying for another card.

So reduce your credit limit immediately. But I'm not sure how long you need to wait after that to close and apply again (with low risk).
I have a AS personal card and have already gotten the 2.5k retention offer for it last month (opened for more than 4 months ago). If I don't want to pay the annual fee by month 12, is there any benefit for me to wait and not close the account now (e.g. another retention offer before month 12 perhaps?)
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Old Apr 14, 17, 8:59 am
  #229  
 
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Originally Posted by mak101 View Post
My last AS personal card was approved in Nov 16, I am ready to apply another one. Should I keep old card open or reduce the limit and close account before applying new one. I already have chekcing/saving/other no fee card and AS business card with BofA.
My first AS personal was instantly approved in Dec 2016. I have never lowered my credit limit and after reading posts here, I decided to apply for the Business version instead of another personal. I got approved for 2 AS Business cards on the same day earlier this month.
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Old Apr 14, 17, 12:08 pm
  #230  
 
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Originally Posted by hightide View Post
My first AS personal was instantly approved in Dec 2016. I have never lowered my credit limit and after reading posts here, I decided to apply for the Business version instead of another personal. I got approved for 2 AS Business cards on the same day earlier this month.
So I guess they really like you.

Or you got really lucky.

I suggest not encouraging others to try the same thing though. Especially since we don't know why you managed to pull that off. A/S cards have been YMMV for years....
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Old Apr 14, 17, 12:21 pm
  #231  
 
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Originally Posted by sdsearch View Post
You are not ready to apply for another if you haven't reduced the credit limit yet. You should reduce the credit limit as soon as possible after opening a BofA card, as opposed to waiting until you're ready to apply for another card.

Many people lately are getting denied for another personal card if they have even one open. I would think that should tell you whether you should close after reducing credit limit.

But people who have too much credit "tied up" with BofA may only get approved for a Platinum card (5k bonus) instead of signature. And credit can get "tied up" at BofA if you don't reduce credit limit before cancelling or if you don't wait long enough after reducing credit limit before applying for another card.

So reduce your credit limit immediately. But I'm not sure how long you need to wait after that to close and apply again (with low risk).
Yeah I should have don it long back but got lazy but anyway I am calling now and requesting to reduce it and may be I will apply after 3/4 weeks. Should I cancel the first card before applying new one?

Thanks.
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Old Apr 15, 17, 8:40 am
  #232  
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Originally Posted by mak101 View Post
Should I cancel the first card before applying new one?
Please re-read the second paragraph of what you just quoted and you should have your answer.
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Old Apr 15, 17, 7:53 pm
  #233  
 
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So how long should someone wait to close an account, after lowering the credit limit?
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Old Apr 15, 17, 11:03 pm
  #234  
 
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Originally Posted by sdsearch View Post
You are not ready to apply for another if you haven't reduced the credit limit yet. You should reduce the credit limit as soon as possible after opening a BofA card, as opposed to waiting until you're ready to apply for another card.

Many people lately are getting denied for another personal card if they have even one open. I would think that should tell you whether you should close after reducing credit limit.

But people who have too much credit "tied up" with BofA may only get approved for a Platinum card (5k bonus) instead of signature. And credit can get "tied up" at BofA if you don't reduce credit limit before cancelling or if you don't wait long enough after reducing credit limit before applying for another card.

So reduce your credit limit immediately. But I'm not sure how long you need to wait after that to close and apply again (with low risk).
Is it truly a YMMV situation anymore with these cards? I have 1 Biz and 1 personal AS card (that's all I have with BoA) and I really do want to apply for another of each. But based on all of the data out there, I really am having trouble predicting how that will shake out (I do have a lot of new accounts in the last 24 months).
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Old Apr 16, 17, 8:48 am
  #235  
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Originally Posted by shimps1 View Post
So how long should someone wait to close an account, after lowering the credit limit?
I've usually waited at least a week (after verifying that the new lower credit limit was showing online).

But that does not mean you can apply two days after and have a good chance of being approved with a decent credit limit on the new card. It's probably better to wait a month or more between lowering credit limit and applying for the next card.
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Old Apr 16, 17, 8:56 am
  #236  
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Originally Posted by PumpkinSmasher View Post
Is it truly a YMMV situation anymore with these cards? I have 1 Biz and 1 personal AS card (that's all I have with BoA) and I really do want to apply for another of each. But based on all of the data out there, I really am having trouble predicting how that will shake out (I do have a lot of new accounts in the last 24 months).
I suggest you do one at a time.

I don't know about YMMV, and I'm not sure why it should matter.

Most people are denied if they apply for another personal card while still having one open. Do you really care whether it's "all" people or "most" people, if you can't predict which camp you'll fall into? Just assume it's "all" people.

I don't know whether we have enough data points on business cards. I assume the same might apply for business card, because I'm risk averse.

But other datapoints suggest BofA is paying more attention perhaps to inquiry counts than before.

So I would suggest a couple things:

1. End up with a BofA card which you'll "never' cancel. You might want to therefore convert your personal Alaska card to a no-AF BofA card (it doesn't much matter which one, just use it once every year or so for something small to make sure they don't close it for "inactivity"). I don't think you can convert the business card, only the personal card probably.

2. Don't close both cards at the same time. Keep one card open while you close the other card, and then try applying for the other card. If you succeed on the other card, then sometime later repeat with the first card.

3. Remember, with a business card application you'll be either approved or denied. With a personal card application, you can be approved for Signature at 30k bonus, or approved for Platinum with the dreaded 5k bonus (more likely than being denied outright).

4. And, of course, remember to lower your credit limit right away (if you haven't already), no matter when you plan to cancel (or convert) each card.
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Old Apr 16, 17, 9:47 am
  #237  
 
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Originally Posted by shimps1 View Post
So how long should someone wait to close an account, after lowering the credit limit?
Wrong question. What you should do is lower the cl as soon as you meet the min spnd. Then when you want to cancel/reapply later you don't have to worry about "how long".

I understand in your current situation you now have to worry about "how long". And since I do the above I don't know the answer to that. But my advice above is for your next app.
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Old Apr 16, 17, 12:04 pm
  #238  
 
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Originally Posted by sdsearch View Post
I suggest you do one at a time.

I don't know about YMMV, and I'm not sure why it should matter.

Most people are denied if they apply for another personal card while still having one open. Do you really care whether it's "all" people or "most" people, if you can't predict which camp you'll fall into? Just assume it's "all" people.

I don't know whether we have enough data points on business cards. I assume the same might apply for business card, because I'm risk averse.

But other datapoints suggest BofA is paying more attention perhaps to inquiry counts than before.

So I would suggest a couple things:

1. End up with a BofA card which you'll "never' cancel. You might want to therefore convert your personal Alaska card to a no-AF BofA card (it doesn't much matter which one, just use it once every year or so for something small to make sure they don't close it for "inactivity"). I don't think you can convert the business card, only the personal card probably.

2. Don't close both cards at the same time. Keep one card open while you close the other card, and then try applying for the other card. If you succeed on the other card, then sometime later repeat with the first card.

3. Remember, with a business card application you'll be either approved or denied. With a personal card application, you can be approved for Signature at 30k bonus, or approved for Platinum with the dreaded 5k bonus (more likely than being denied outright).

4. And, of course, remember to lower your credit limit right away (if you haven't already), no matter when you plan to cancel (or convert) each card.
Good advice, thank you for that. Obviously, no one likes applying for cards and being denied. I have other cards I could apply for that I think my success rate would be higher with, but I also don't want them as much as the AS cards. So that's my dilemma is all I meant. That and BoA seems very unpredictable these days.

I do have some interest for sure in the Merrill+ (if I can still get the 50K offer), but I'd put that behind the AS card(s) in fear of either being turned down or not getting the personal signature card like you suggested. Do you think applying for the Merrill+ first and keeping that then slowly closing the other AS cards is the way to go? Thanks again for your insights.
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Old Apr 16, 17, 7:21 pm
  #239  
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Originally Posted by PumpkinSmasher View Post
I do have some interest for sure in the Merrill+ (if I can still get the 50K offer), but I'd put that behind the AS card(s) in fear of either being turned down or not getting the personal signature card like you suggested. Do you think applying for the Merrill+ first and keeping that then slowly closing the other AS cards is the way to go? Thanks again for your insights.
I don't personally see the point of Merrill+ cards (they're just cashback so that's just $500, isn't it) compared to AS cards. Zillions of banks have cashback cards, but only BofA has AS cards*. And it seems far riskier to first apply for another card with BofA than to convert a card you already have. What if they're only going to approve you for one more card in the next 6 months, then what? You'll have lowest priority card and 0 new AS cards (and be out at least one old AS card), is that worth $500?

Plus, converting the card you already have will give BofA a card with more "age and history" than applying for a new card will. It's the closest thing possible to "going back in time" and opening your BofA "keeper" card account "in the past". The point is not just to get a BofA "keeper" card account, it's to have one with the longest history possible.

*Well, that's not 100% true, in that merger partner Virgin America still has a separate program and is with another bank (Comenity), but the signup bonus there is not so good

Last edited by sdsearch; Apr 16, 17 at 7:29 pm
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Old Apr 16, 17, 7:56 pm
  #240  
 
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Originally Posted by sdsearch View Post
I don't personally see the point of Merrill+ cards (they're just cashback so that's just $500, isn't it) compared to AS cards. Zillions of banks have cashback cards, but only BofA has AS cards*. And it seems far riskier to first apply for another card with BofA than to convert a card you already have. What if they're only going to approve you for one more card in the next 6 months, then what? You'll have lowest priority card and 0 new AS cards (and be out at least one old AS card), is that worth $500?

Plus, converting the card you already have will give BofA a card with more "age and history" than applying for a new card will. It's the closest thing possible to "going back in time" and opening your BofA "keeper" card account "in the past". The point is not just to get a BofA "keeper" card account, it's to have one with the longest history possible.

*Well, that's not 100% true, in that merger partner Virgin America still has a separate program and is with another bank (Comenity), but the signup bonus there is not so good
What's great about the Merrill+ is no annual fee and if you redeem for flights, you can redeem for 2 flights up to $500 each. And if the flights are over $500, you can pay the difference. With how cheap economy tickets are to Europe right now, that could add up to two roundtrippers or if there is a last minute/holiday booking domestically (which often runs pricey), you could also get tickets free that way or heavily discounted. It's quite a good deal.

It's true, I prefer AS to Merrill+, but it's not like the Merrill+ is a bad card to pick up. I misunderstood your original suggestion though. It sounds like you favored downgrading one of the AS cards and keeping that one, yes? If so, is there any time frame you'd suggest on that? I think I opened my cards in August of last year. Do you think they'd let me convert it to Merrill+?

Anyway, truly, thanks for your suggestions. I greatly appreciate it.
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