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FlyerTalk Forums Expert How-Tos and Guides
Jan 16, 2017, 9:36 am by rrggBefore 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- 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:
65k offer: https://apply.uscreditcardguide.com/credit-card/boa-alaska/apply/
60K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
Prior offers:
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/
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.
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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
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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.
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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)!
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Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
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Should be the Sunday (or possibly the following Sunday) after the statement where you reach the spend closes.Originally Posted by CurbedEnthusiasm
When do the bonus points post? I've hit the minimum spend; will they post after I pay the annual fee?
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- Been churning alaska cards for years - have had over 10, opening personal and business every 6 months or so
- Am Platinum privilege or what not
- Closed my only bus and personal cards (after 11 months) on 5/1/17 (others were closed earlier in the year)
- Applied for personal card 5/9 - insta approved with $21K limit
- Applied for business card 5/9 - Pending (not going to call recon probably) (edit) - Approved 5/11
Originally Posted by TravelingRabbit
Mixed experience:- Been churning alaska cards for years - have had over 10, opening personal and business every 6 months or so
- Am Platinum privilege or what not
- Closed my only bus and personal cards (after 11 months) on 5/1/17 (others were closed earlier in the year)
- Applied for personal card 5/9 - insta approved with $21K limit
- Applied for business card 5/9 - Pending (not going to call recon probably) (edit) - Approved 5/11
Updated - approved for business.
Hard to say if I got approved based on my short cycle time due to platinum status, or just got lucky.
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With the above, I would guess that even if you cancel CC, but your companion cert expiration is still 10 months ahead in future, then your cert is still valid despite the CC no longer in existence?
Originally Posted by gnomey
I thought companion fare is tied to the AS CC? how do you sell it?With the above, I would guess that even if you cancel CC, but your companion cert expiration is still 10 months ahead in future, then your cert is still valid despite the CC no longer in existence?
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Originally Posted by Superorb
I don't see how this works on CL since you, the account holder with the cert, needs to book the flights from what I've read.
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The person meets you with cash for the companion pass (& ticket if you so choose) and a public place with wifi (like Starbucks for instance). You book the tickets for them, give them the conf code, boom its done. Originally Posted by vm81
Thats my understanding as well. Not sure how OP has achieved this
I don't recommend doing it in any manner than face to face.
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I don't recommend doing it in any manner than face to face.
And if the random stranger does anything sketchy...you get to deal with whole might of US govt...Originally Posted by bta15
The person meets you with cash for the companion pass (& ticket if you so choose) and a public place with wifi (like Starbucks for instance). You book the tickets for them, give them the conf code, boom its done.I don't recommend doing it in any manner than face to face.
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Sounds like too much hassle. I will just stick to MS to earn the extra pocket money of $50 or $100 lol.Originally Posted by vm81
And if the random stranger does anything sketchy...you get to deal with whole might of US govt...
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Originally Posted by gnomey
Sounds like too much hassle. I will just stick to MS to earn the extra pocket money of $50 or $100 lol.
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I don't sell them on CL, living in AK with a family of 5 I get a ton of value from these companion fares. Originally Posted by vm81
And if the random stranger does anything sketchy...you get to deal with whole might of US govt...
People can do sketchy stuff any time you do business on craigslist, that's why you meet in a public space.
I do see them on sale on CL all the time and I know this is how they do business.
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$100 statement credit posted overnight this morning (following Friday).Originally Posted by rustykettel
^ Statement closed Friday, email that it was ready last night, and miles/companion code are in my account today.
I just applied for a new Alaska Airlines business credit card (closed an Alaska business card 6+ months ago). Received a pending message, called recon, they wanted 2 years of personal and business tax returns to approve the card. I explained I wasn't going to be sending in 2 years worth of personal and business tax returns for a credit card, he said he would try to push it through without those. Had recently been approved for a personal Alaska card. Anyone else been asked for 2 years of personal and business tax returns for an Alaska business credit card????
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How did you answer the questions about your business?Originally Posted by jchock1
I just applied for a new Alaska Airlines business credit card (closed an Alaska business card 6+ months ago). Received a pending message, called recon, they wanted 2 years of personal and business tax returns to approve the card. I explained I wasn't going to be sending in 2 years worth of personal and business tax returns for a credit card, he said he would try to push it through without those. Had recently been approved for a personal Alaska card. Anyone else been asked for 2 years of personal and business tax returns for an Alaska business credit card????
Have you been in business 2+ years? Did you say "2" (or more) when asked years in business?
Those of us who don't have a real business would (hopefully) never say we've been in business 2 years or even 1 year (0 is much better), so I don't see why they would ask the same thing of us.
The pattern seems to be that they ask questions based on your answers. Tell them you've been in business for a while, and they may ask for documents that prove that (as in your example). Tell them the business has a its own name and/or that the business has its own mailing address, and they may ask for documents that prove that (such as utility statements in the business name / at the business address).
If you don't want the hassle of getting asked things like that, consider (gasp) pretending you don't have a real business (but that's you're pretending to the bank that you do!), and answering the questions that way: business name is your name, business address is your address, business phone is your phone, 0 years in business, $0 annual business income to date, 1 employee (you), sole proprietor. Then there's not much in the way of hard-to-supply documentation that they can ask for, is there?
Had the exact same experience -
Adding a strange DP here – Just applied for the Alaska Business Card, and got a pending status.
I called the reconsideration line, and they said the rep said the bank needs to verify ownership and requires the articles of incorporation, and two years of tax history (biz+personal), as in tax returns for the company.
He said that people are randomly selected for this process.
Has anyone else had such an invasive request by Bank of America? It reminds me of the AMEX financial review but only before you get the card.
What would anyone recommend at this stage? Best to reapply with different info or lay low for a bit?
Adding a strange DP here – Just applied for the Alaska Business Card, and got a pending status.
I called the reconsideration line, and they said the rep said the bank needs to verify ownership and requires the articles of incorporation, and two years of tax history (biz+personal), as in tax returns for the company.
He said that people are randomly selected for this process.
Has anyone else had such an invasive request by Bank of America? It reminds me of the AMEX financial review but only before you get the card.
What would anyone recommend at this stage? Best to reapply with different info or lay low for a bit?
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I called the reconsideration line, and they said the rep said the bank needs to verify ownership and requires the articles of incorporation, and two years of tax history (biz+personal), as in tax returns for the company.
He said that people are randomly selected for this process...
Thanks for the DP. I wonder if that "random selection" takes place at the time of application or human involvement. Given the uncertainty, perhaps it's better to not call and let the pending status resolve itself.Originally Posted by MickeyD456
Adding a strange DP here Just applied for the Alaska Business Card, and got a pending status.I called the reconsideration line, and they said the rep said the bank needs to verify ownership and requires the articles of incorporation, and two years of tax history (biz+personal), as in tax returns for the company.
He said that people are randomly selected for this process...
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Have you been in business 2+ years? Did you say "2" (or more) when asked years in business?
Those of us who don't have a real business would (hopefully) never say we've been in business 2 years or even 1 year (0 is much better), so I don't see why they would ask the same thing of us.
The pattern seems to be that they ask questions based on your answers. Tell them you've been in business for a while, and they may ask for documents that prove that (as in your example). Tell them the business has a its own name and/or that the business has its own mailing address, and they may ask for documents that prove that (such as utility statements in the business name / at the business address).
If you don't want the hassle of getting asked things like that, consider (gasp) pretending you don't have a real business (but that's you're pretending to the bank that you do!), and answering the questions that way: business name is your name, business address is your address, business phone is your phone, 0 years in business, $0 annual business income to date, 1 employee (you), sole proprietor. Then there's not much in the way of hard-to-supply documentation that they can ask for, is there?
Seems like a hassle. I have a legitimate sole prop which has been in business for over ten years. I have business credit cards from Chase, Amex and Citi for said business. Wouldn't they be able to see that somehow? I understand those cards don't show on my personal credit but wouldn't my business have some sort of credit history by this point. I can tell you if BoA started to demand documentation from me I'd just tell them to shove off and be done with it. I want a Alaska airlines business card but I'm not about to play games with BoA. No other lender gives me a hard time about tax returns etc. I use my home address as the business address because Chase did give me a hard time about the address and wanting to see the lease when I gave them my office address. Since then I always use my home office address.Originally Posted by sdsearch
How did you answer the questions about your business?Have you been in business 2+ years? Did you say "2" (or more) when asked years in business?
Those of us who don't have a real business would (hopefully) never say we've been in business 2 years or even 1 year (0 is much better), so I don't see why they would ask the same thing of us.
The pattern seems to be that they ask questions based on your answers. Tell them you've been in business for a while, and they may ask for documents that prove that (as in your example). Tell them the business has a its own name and/or that the business has its own mailing address, and they may ask for documents that prove that (such as utility statements in the business name / at the business address).
If you don't want the hassle of getting asked things like that, consider (gasp) pretending you don't have a real business (but that's you're pretending to the bank that you do!), and answering the questions that way: business name is your name, business address is your address, business phone is your phone, 0 years in business, $0 annual business income to date, 1 employee (you), sole proprietor. Then there's not much in the way of hard-to-supply documentation that they can ask for, is there?
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It is a hassle, and it's why many people still do 0 years in business, 0 employees, 0 revenue, etc despite having long standing, legit businesses.Originally Posted by Red259
Seems like a hassle. I have a legitimate sole prop which has been in business for over ten years. I have business credit cards from Chase, Amex and Citi for said business. Wouldn't they be able to see that somehow? I understand those cards don't show on my personal credit but wouldn't my business have some sort of credit history by this point. I can tell you if BoA started to demand documentation from me I'd just tell them to shove off and be done with it. I want a Alaska airlines business card but I'm not about to play games with BoA. No other lender gives me a hard time about tax returns etc. I use my home address as the business address because Chase did give me a hard time about the address and wanting to see the lease when I gave them my office address. Since then I always use my home office address.
Other banks can be just as picky, and several also require tax forms, business documents, etc. So just because you've avoided that in the past does not mean that it isn't a thing.
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Other banks can be just as picky, and several also require tax forms, business documents, etc. So just because you've avoided that in the past does not mean that it isn't a thing.
I never said it wasn't a thing. Just that with every lender I have dealt with I didn't have to go through giving tax returns.Originally Posted by Superorb
It is a hassle, and it's why many people still do 0 years in business, 0 employees, 0 revenue, etc despite having long standing, legit businesses.Other banks can be just as picky, and several also require tax forms, business documents, etc. So just because you've avoided that in the past does not mean that it isn't a thing.
Does anyone know how long it takes to get the companion certificate in your account once you get the card? I am planning a trip to Hawaii the end of June and wanted to see it I applied for the card now if I would get the companion ticket in time.