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
Sep 18, 2019, 6:50 pm
#1501
Join Date: Jun 2016
Posts: 2,257
I've had 3 no-AF cards (Cash Rewards, Travel Rewards, Merrill+) open for a few years, with small-dollar spend once or twice a year to keep them alive. Plus the personal Alaska.
Speak of the devil, I just got the request for business documents, legal structure, audited financials, etc. So I guess the app is still alive! I don't have any of those doc -- I applied as sole proprietor / $0 income / founded Sept '19 -- so will skim the thread for ideas or just call recon and explain. I do have a legit (unincorporated) side business I can talk about if they press.
Speak of the devil, I just got the request for business documents, legal structure, audited financials, etc. So I guess the app is still alive! I don't have any of those doc -- I applied as sole proprietor / $0 income / founded Sept '19 -- so will skim the thread for ideas or just call recon and explain. I do have a legit (unincorporated) side business I can talk about if they press.
that's like a death sentence denial. i am not sure if anybody here ever figure out how to get approved when asked for all these documents.seems far and rare in between.
Sep 18, 2019, 9:38 pm
#1502
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I've had 3 no-AF cards (Cash Rewards, Travel Rewards, Merrill+) open for a few years, with small-dollar spend once or twice a year to keep them alive. Plus the personal Alaska.
Speak of the devil, I just got the request for business documents, legal structure, audited financials, etc. So I guess the app is still alive! I don't have any of those doc -- I applied as sole proprietor / $0 income / founded Sept '19 -- so will skim the thread for ideas or just call recon and explain. I do have a legit (unincorporated) side business I can talk about if they press.
Speak of the devil, I just got the request for business documents, legal structure, audited financials, etc. So I guess the app is still alive! I don't have any of those doc -- I applied as sole proprietor / $0 income / founded Sept '19 -- so will skim the thread for ideas or just call recon and explain. I do have a legit (unincorporated) side business I can talk about if they press.
Sep 19, 2019, 2:01 pm
#1503
Join Date: Apr 2015
Posts: 309
I called a few months ago about that request and I said most of those documents don't apply to me, and the agent on the line (without asking who was calling) immediately said "let me guess, you applied as sole proprietor, right? In that case, you only need to submit the tax returns, nothing else". BofA stupidly sends out the same letter whether you applied as a sole proprietor or some other form of business, where 90% of what they ask for only applies if you're some other form of business.
Sep 29, 2019, 5:06 pm
#1505
Join Date: Apr 2014
Posts: 68
decreasing credit limit to help with approval odds?
I just applied 3 BOA cards - BOA Alaska business, BOA Amtrak personal, BOA Alaska personal 3 days ago.
The business card got approved without any notification 1-2 days later. Now my personal applications are still pending for 3 days now.
Only 2 new cards in the past 2 years. Last BOA card was in 1/2018.
My current BOA exposure is about 40% of my current income.
Should I decrease my existing credit limits to improve my approval odds or should I leave it alone in case if they need to auto-allocate the credit limits to open new cards later?
The business card got approved without any notification 1-2 days later. Now my personal applications are still pending for 3 days now.
Only 2 new cards in the past 2 years. Last BOA card was in 1/2018.
My current BOA exposure is about 40% of my current income.
Should I decrease my existing credit limits to improve my approval odds or should I leave it alone in case if they need to auto-allocate the credit limits to open new cards later?
Sep 30, 2019, 10:41 am
#1506
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I just applied 3 BOA cards - BOA Alaska business, BOA Amtrak personal, BOA Alaska personal 3 days ago.
The business card got approved without any notification 1-2 days later. Now my personal applications are still pending for 3 days now.
Only 2 new cards in the past 2 years. Last BOA card was in 1/2018.
My current BOA exposure is about 40% of my current income.
Should I decrease my existing BofA credit limits to improve my approval odds or should I leave it alone in case if they need to auto-allocate the credit limits to open new cards later?
The business card got approved without any notification 1-2 days later. Now my personal applications are still pending for 3 days now.
Only 2 new cards in the past 2 years. Last BOA card was in 1/2018.
My current BOA exposure is about 40% of my current income.
Should I decrease my existing BofA credit limits to improve my approval odds or should I leave it alone in case if they need to auto-allocate the credit limits to open new cards later?
You should be decreasing your existing BofA credit limits proactively (say, as soon as you finish the minimum spend requirement), rather than waiting until you're applying for new cards.
The general rule on personal cards is that you want to make sure you never get above 30% of your credit limit at statement close, to avoid impact on your credit score. That's all you need in terms of credit limit. On BofA business cards (and any other business cards that don't appear on your personal credit report), you can use 100% of your credit limit with no credit score impact.
Oct 1, 2019, 4:23 am
#1507
Join Date: Oct 2017
Posts: 78
Got got mail asking for
Sucks... I was hoping I would get the auto-approval
- Proof of business ownership or authorization to borrow on behalf of the business (e.g. corporate resolution, organization's meeting minutes, articles of incorporation, articles of organization or certificate of incorporation).
- Verification of the legal structure of the business. Verification may include Articles of Inc/Articles of Org/Cert of Trade Name/Partnership agreement. For Non-Profit, provide primary mission (U.S or International) & legal classification (e.g. 501(c)(3)).
- The two most recent accountant prepared, year-end business financial statements/tax returns
- Your two most recent years of federal personal tax returns with all schedules. If you filed a tax extension, please provide a copy of your most recent W2 forms or, for sole proprietorships, an internally prepared year-end profit and loss statement.
Sucks... I was hoping I would get the auto-approval
Oct 1, 2019, 6:23 pm
#1508
Join Date: Dec 2014
Location: SAN
Programs: AA, SPG, UR, MR
Posts: 181
If I have no Alaska Airlines credit cards, will I be able to keep the rewards points I currently have in my Alaska Airlines mileage plan?
Was thinking of cancelling my last Alaska Airlines card (business) to get an annual fee credit.
Was thinking of cancelling my last Alaska Airlines card (business) to get an annual fee credit.
Oct 1, 2019, 6:45 pm
#1509
Join Date: Dec 2004
Programs: WN, DL, UA, AA, Hilton, Marriott, IHG
Posts: 1,303
Oct 1, 2019, 8:03 pm
#1510
Join Date: Dec 2014
Location: SAN
Programs: AA, SPG, UR, MR
Posts: 181
Thank you for your reply -
I'm currently trying to cancel the card (no option to downgrade), and try to get the $75 annual fee back - however they said there is no way to get me that $75 back, in the form of a statement credit or anything.
Any way I can get that money back? For the Alaska Airlines Business Card.
I'm currently trying to cancel the card (no option to downgrade), and try to get the $75 annual fee back - however they said there is no way to get me that $75 back, in the form of a statement credit or anything.
Any way I can get that money back? For the Alaska Airlines Business Card.
Oct 1, 2019, 10:16 pm
#1511
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Thank you for your reply -
I'm currently trying to cancel the card (no option to downgrade), and try to get the $75 annual fee back - however they said there is no way to get me that $75 back, in the form of a statement credit or anything.
Any way I can get that money back? For the Alaska Airlines Business Card.
I'm currently trying to cancel the card (no option to downgrade), and try to get the $75 annual fee back - however they said there is no way to get me that $75 back, in the form of a statement credit or anything.
Any way I can get that money back? For the Alaska Airlines Business Card.
Oct 7, 2019, 5:55 pm
#1512
Join Date: Mar 2018
Posts: 139
Hello all...I am coming over from the CITI AA churn (Personal card) and was wondering the time frame between applying and closing The BOFA Alaska business cards..I did not find anything on the wiki above....ty! i tried reading a ton of pages back but could not find any deep dive info...ty
Oct 7, 2019, 6:35 pm
#1513
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,293
Oct 7, 2019, 6:42 pm
#1514
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,293
Hello all...I am coming over from the CITI AA churn (Personal card) and was wondering the time frame between applying and closing The BOFA Alaska business cards..I did not find anything on the wiki above....ty! i tried reading a ton of pages back but could not find any deep dive info...ty
If you have a current relationship with B of A, it might be easier to get approval.
Now miles and companion code are contingent on required spend . Annual Fee not waived and new companion codes not deposited into account until 1-2 statements after AF paid. As noted sbove, AS Visa now required for payment of travel using companion code.
Oct 7, 2019, 10:23 pm
#1515
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Hello all...I am coming over from the CITI AA churn (Personal card) and was wondering the time frame between applying and closing The BOFA Alaska business cards..I did not find anything on the wiki above....ty! i tried reading a ton of pages back but could not find any deep dive info...ty
BofA's anti-churning policies: 2/3/4 (BofA cards), 3/12 or 7/12 (all banks)
It's a separate thread because all of these policies apply to all BofA cards, not just Alaska cards. (Though it's not clear if they apply to business cards or not.)
As you will see, BofA is emulating Chase's 5/24 more than anything at Citi.
Meanwhile, a couple more things to know:
1. After you finish the minimum spend, lower the credit limit as low as you can, as soon as you can. Don't wait until you're about to cancel! BofA can take many, many months to take credit limit that you cancel and make it available to a new application. Cancel a couple cards without doing this, and you might you cannot get another card approved because all your available credit is in limbo.
2. Comparatively few people apply for Alaska business cards, and the datapoints on them are thus few and far between, and often a bit conflicting. Some people need to cancel their prior business card before applying for a new one, other people don't seem to need to. No clue as to why the difference. Also, BofA throws constantly-changing and semi-random "roadblocks" in the way of business applicaitons: Requests for tons of materials, wanting to see business credit history from a source that doesn't list business cards at many banks
, wanting you to open a CD, etc, etc. So don't assume that the only choices are denial vs approval, it's very much more complicated.
Last edited by sdsearch; Oct 7, 2019 at 10:33 pm