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
Aug 17, 2022, 7:57 am
#1846
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Aug 17, 2022, 10:00 am
#1847
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,290
.My Chase Credit Journey (Experian) information shows 12 “Credit checks” or “New Inquiry(s)”, mostly from JPMCB (including 2 the same day that I applied for 2 Chase biz cards and a Chase personal card) and 2 from Lexus/Toyota/Local Lexus Dealer on consecutive days for the same car lease.
My Credit Karma Transunion information shows 5 “Hard inquiries”, one on the same date as each BOA biz application (including “this 70k offer biz card” a week ago) and one on the same date as a Barclays biz application. My Credit Karma Equifax information shows 0 “Hard inquiries”.
AFAICT I’ve not suffered any adverse consequences (of too many inquiries), no declines due to “too many inquiries”. For some Chase applications recently the final online application message was “pending” or “under review” prompting a call to “recon” with approval upon CL reallocation and no discussion of inquiries during a 3 - 30 minute phone call, unsure if those “pending(s)” might also have been related to “too many inquiries”. I don’t know if and how my overall scores (all 3 well over 800) have been impacted.
Aug 17, 2022, 10:08 am
#1848
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Recent counterexample here: https://www.flyertalk.com/forum/34510061-post576.html
Aug 17, 2022, 10:58 am
#1849
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,290
I understand that “too many inquiries” may be a concern for some people, I merely wrote, in direct reply to “impact my score”, that AFAICT it’s not been an issue for me. (I haven’t applied for a Citi card, as per the counterexample, for over 5 years, since Citi terminated (IIRC) Hilton cards and high velocity churning of AA and Hilton cards.)
Aug 23, 2022, 8:40 am
#1850
Join Date: Oct 2020
Location: NYC
Programs: Hyatt Globalist, GHA Titanium, AA Platinum Pro
Posts: 283
Applied for Biz card a couple days ago to get the 60k bonus. Applied as sole proprietorship, used SSN, same address/phone/etc as personal, and business started this month with $0 revenue. Yesterday I got an email asking for docs:
Coincidentally today I received a targeted mailer for the Alaska personal card with 60k bonus. If I had waited a day I could've avoided all this
10/25 update - Finally got an update today - declined due to insufficient deposits with BoA. Data points: 800+ FICO, my W2s reflect a 6 figure income, low personal credit utilization, I have an existing Chase Biz card with medium utilization and no derogatories, and this was an application for a sole proprietorship business account with start date of Oct 2021 with $0 revenue.
- 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.
Coincidentally today I received a targeted mailer for the Alaska personal card with 60k bonus. If I had waited a day I could've avoided all this
10/25 update - Finally got an update today - declined due to insufficient deposits with BoA. Data points: 800+ FICO, my W2s reflect a 6 figure income, low personal credit utilization, I have an existing Chase Biz card with medium utilization and no derogatories, and this was an application for a sole proprietorship business account with start date of Oct 2021 with $0 revenue.
Sole Prop; 4 years, >$150K income (i.e. W2), non-US citizen but US resident.
Anyone have similar DPs recently in light of what seems like 'easier' approvals for a lot of people?
Any tips on what to send? I imagine just personal tax returns for their ask of personal + business, and verification of structure/proof of ownership would just my my Social?
Aug 23, 2022, 10:52 am
#1851
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Aug 23, 2022, 12:06 pm
#1852
Join Date: Oct 2020
Location: NYC
Programs: Hyatt Globalist, GHA Titanium, AA Platinum Pro
Posts: 283
Aug 23, 2022, 12:12 pm
#1853
Join Date: Dec 2021
Location: CMH
Posts: 217
Just got instantly approved for the Biz card (40k miles & $200 credit deal).
I'm 7/24, with a genuine LLC, and also currently have another Biz Alaska card that's almost exactly a year old (I'm planning to close it soon before the annual fee hits).
I'm 7/24, with a genuine LLC, and also currently have another Biz Alaska card that's almost exactly a year old (I'm planning to close it soon before the annual fee hits).
Aug 24, 2022, 9:39 am
#1854
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,079
Applied for BofA Alaska Biz last week and went pending. Called recon and agent said my app was declined initially but upon further review, asked for exactly the 4 items what Enrique posted above.
Sole Prop; 4 years, >$150K income (i.e. W2), non-US citizen but US resident.
Anyone have similar DPs recently in light of what seems like 'easier' approvals for a lot of people?
Any tips on what to send? I imagine just personal tax returns for their ask of personal + business, and verification of structure/proof of ownership would just my my Social?
Sole Prop; 4 years, >$150K income (i.e. W2), non-US citizen but US resident.
Anyone have similar DPs recently in light of what seems like 'easier' approvals for a lot of people?
Any tips on what to send? I imagine just personal tax returns for their ask of personal + business, and verification of structure/proof of ownership would just my my Social?
However, my wife is always auto approved for the Business card (same business). She usually reapplies every 24 months or so. Makes no sense to me.
Aug 25, 2022, 3:59 am
#1855
Join Date: Feb 2011
Location: NYC suburbs
Programs: UA LT Gold (BIS), AA LT Plat (CC SUBs & BD), Hilton Dia (CC), Hyatt Glob (BIB), et. al.
Posts: 3,290
I have never been auto approved for the AS business card. They always ask for the 4 items above (#1850) and I refuse to send them a copy of the Tax returns.
However, my wife is always auto approved for the Business card (same business). She usually reapplies every 24 months or so. Makes no sense to me.
However, my wife is always auto approved for the Business card (same business). She usually reapplies every 24 months or so. Makes no sense to me.
I’ve written, most recently post #1843 above, that even with notional biz credentials and biz income approaching zero (I’m retired for a few years, thinking about returning to work occasionally) I’ve been approved for four Alaska biz cards in the past year and a half. The first application went pending/under review, required a very short preemptive recon phone call, last three applications, to my great amazement, have been instant approvals. Each card with minimal, if any, use after minimum spend.
FWIW, all 4 applications have been sole proprietor, using first name and last name (no middle initial or name), no DBA, healthcare/general physician/doctors offices, over 30 years in business, biz address same as personal address, biz income approximately the same as my earned income the last couple of years that I worked part time, total income approximately the same as my total income (earned and investment) a couple of years ago.
Again, just thinking out loud. I’ve not had to undergo any interrogations or play 4 or 20 questions to get these cards approved and wondering if it might be related to certain aspects of the application.
Aug 25, 2022, 6:22 am
#1856
Join Date: Oct 2020
Location: NYC
Programs: Hyatt Globalist, GHA Titanium, AA Platinum Pro
Posts: 283
Applied for BofA Alaska Biz last week and went pending. Called recon and agent said my app was declined initially but upon further review, asked for exactly the 4 items what Enrique posted above.
Sole Prop; 4 years, >$150K income (i.e. W2), non-US citizen but US resident.
Anyone have similar DPs recently in light of what seems like 'easier' approvals for a lot of people?
Any tips on what to send? I imagine just personal tax returns for their ask of personal + business, and verification of structure/proof of ownership would just my my Social?
Sole Prop; 4 years, >$150K income (i.e. W2), non-US citizen but US resident.
Anyone have similar DPs recently in light of what seems like 'easier' approvals for a lot of people?
Any tips on what to send? I imagine just personal tax returns for their ask of personal + business, and verification of structure/proof of ownership would just my my Social?
Agent insisted on sending over the required docs.
He said I can send personal tax returns with a note stating that they're combined personal + business.
And for the verification of business structure/proof of ownership or whatever, he needed documentation as if I'd verified with the state that I'm a registered business.
I've decided to abandon the application as I don't have that.
Pulled back my $10K plus a bit more lol
Aug 25, 2022, 7:28 am
#1857
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
The agent you speak with on the phone is not a decision maker. That documentation is available only if you are using a company name. There's typically no need to "register" is using your own name, and the bank knows this. I would just ignore that part and submit your tax return. Do you file a Schedule C?
Aug 25, 2022, 7:56 am
#1858
Join Date: Oct 2020
Location: NYC
Programs: Hyatt Globalist, GHA Titanium, AA Platinum Pro
Posts: 283
The agent you speak with on the phone is not a decision maker. That documentation is available only if you are using a company name. There's typically no need to "register" is using your own name, and the bank knows this. I would just ignore that part and submit your tax return. Do you file a Schedule C?
As an SP, I applied with the approach that my W2 employment/work expenses associated with it is my 'business'.
Aug 25, 2022, 8:03 am
#1859
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
IRS Schedule C is the form on which one would report business income and expenses.
Historically, reimbursable work expenses were a legitimate use of a Business card, but these days I think issuers are looking for evidence of a separate business.
Historically, reimbursable work expenses were a legitimate use of a Business card, but these days I think issuers are looking for evidence of a separate business.
Aug 30, 2022, 7:18 pm
#1860
Join Date: Aug 2022
Posts: 1
Missed spend required misinformed
Customer agent told me I met the spend after 45 days. I found out I didn’t by calling back a billing cycle after the 90 day period. They said I was misinformed but nothing they can do.
was the spend requirement ever 2000? I dont k ow how they got that but I remember seeing it as well.
was the spend requirement ever 2000? I dont k ow how they got that but I remember seeing it as well.
Last edited by Fliesonby; Aug 30, 2022 at 7:30 pm