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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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We need more data to make this stmt helpful. Originally Posted by concordian
Got approved for Alaska Business and Personal cards.
Did you apply for them on the same day?
Have you had either of these cards in the last year?
Quote:
It's better to apply for only business cards (as much as you can) if you're interested in applying for Chase cards. Chase doesn't approve for most cards (and perhaps someday in the future for any card?) if you have 5 or more bank credit cards showing on your credit report with an "opened on" date in the past 24 months. But business cards from most banks (Discover and Cap One being the main exceptions) don't appear on EQ/EX/TU credit reports, and thus are not counted by Chase for that 5/24 count. So if you apply for virtually nothing other than business cards for two years, you can get back into applying for Chase cards.Originally Posted by robchow
I am interested in whether it is better/easier to churned AS personnel or business cards?
Also, the BofA 2/3/4 anti-churning rule applies only to personal cards. (Though it's not clear whether you can churn business cards any faster than that.)
And there are different pitfalls you have to avoid with personal vs business cards. With personal cards, if you're approved with a creidit limit less than $5000, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus. There is no such issue with the business card. But OTOH, the business card may be harder to get approved without jumping through hoops such as opening a $1500 Certificate of Deposit or supplying hard-to-supply business documents.
So there is no simple answer about which is better or easier. There are a lot of factors to consider, and each person may come to a different personal decision based on those factors.
The main fact is: It's hard to churn Alaska cards "quickly" any more. You can only churn them fairly "slowly".
Also, Alaksa airlines itself may be shutting down some accounts which have no other miles coming in except from BofA AS card signups. So i suggest if you're going to churn AS cards, that you also earn AS miles some other way (AS dining program, AS shopping mall, hotel stays or car rentals, whatever, just so there's "variety" clearly showing in your AS account). If you regularly fly AS anyway (and credit AS when you do), that shouldn't need to be a concern.
Quote:
Did you mean < $5,000 CL ....? Or was there a change I'm not aware of?Originally Posted by sdsearch
With personal cards, if you're approved with a creidit limit less than $1500, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus.
Quote:
Looking at the terms and conditions now: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4027208&productoffercode=2M&locale=en_ US
It no longer makes any mention of $50/5000 lower bonus for Platinum Plus.
Do we have data points on this?
Has anyone taken the dive yet and confirmed if an initial CL < $5,000 will earn the full 30k miles with this new link/(lack of) language?Originally Posted by nomiiiii
So I read a couple posts on reddit daily threads that now even the lower-tier Platinum card will get the original 30k/companion bonus?Looking at the terms and conditions now: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4027208&productoffercode=2M&locale=en_ US
It no longer makes any mention of $50/5000 lower bonus for Platinum Plus.
Do we have data points on this?
Apparently I’m one of the lucky ones who can still get more than one personal card. Had four open two or three years ago, whittled down to one maybe a year ago, and just got approved for a second. I’m primarily interested in the companion fare, not the signup bonus, and will expect to hang on to these for a while, so that may help.
Quote:
Yes, I just corrected it. Thanks for catching that. The $1500 obviously belonged in a different sentence.Originally Posted by Thefirst
Did you mean < $5,000 CL ....? Or was there a change I'm not aware of?
Quote:
It has simply been replaced that with a catch-all statement:Originally Posted by nomiiiii
It no longer makes any mention of $50/5000 lower bonus for Platinum Plus.
"The benefits for Platinum Plus accounts differ from Visa Signature accounts."
which is so murky as to explain absolutely nothing. It could mean the bonus difference is gone, or it could mean that they just stopped spelling it out as a separate step.
Quote:
No, I just reviewed the month of posts since yours and since then either people just got denied (a lot more people are getting plain denied now than in the past), or got approved for the Signature. So it's also unclear whether this change of T&Cs might have something to do with them changing their practices and now just more likely denying you outright if they can't approve you for a Signature. So I suspect we'll have to wait much longer until we either get someone with a <$5000 CL, or with a clear denial because they didn't qualify for a <$5000 CL.Originally Posted by nomiiiii
Do we have data points on this?
So while this other possibility (that they now deny in cases where they would previously only approve for Plat Plus) might be equally good, it'll be hard to prove with datapoints in a short time. (If we go a half year or year with no one approve for Plat Plus, at that point that might be significant, but it may take that long to establish whether it's just about never happening any more, and for what reason.)
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They don't always ask for this, but often enough, that you should be prepared. Too many people in this thread had to abandon their business card application after BofA asked them for documents they couldn't provide.
If we abandon our business app, will it jeopardize our chances of getting approved for a personal card in the future?Originally Posted by sdsearch
It is better to apply in such a way that you can provide documentation on everything you say in your business card application. More than most other banks, BofA tends to demand various documentation about your business if you claim things about your business. Ie, if you give a name other than your name, be prepared to furnish a legal fictitious name registration document. If you claim business income, be ready to provide business income tax forms. If you provide a business address, be ready to supply copies of utility bills verifying that address. Etc.They don't always ask for this, but often enough, that you should be prepared. Too many people in this thread had to abandon their business card application after BofA asked them for documents they couldn't provide.
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They are handled by separate departments. FIA Card Services does the business side. I seriously doubt this would affect you. People abandon apps all the time for various reasons.Originally Posted by hightide
If we abandon our business app, will it jeopardize our chances of getting approved for a personal card in the future?
Quote:
Also, the BofA 2/3/4 anti-churning rule applies only to personal cards. (Though it's not clear whether you can churn business cards any faster than that.)
And there are different pitfalls you have to avoid with personal vs business cards. With personal cards, if you're approved with a creidit limit less than $5000, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus. There is no such issue with the business card. But OTOH, the business card may be harder to get approved without jumping through hoops such as opening a $1500 Certificate of Deposit or supplying hard-to-supply business documents.
So there is no simple answer about which is better or easier. There are a lot of factors to consider, and each person may come to a different personal decision based on those factors.
The main fact is: It's hard to churn Alaska cards "quickly" any more. You can only churn them fairly "slowly".
Also, Alaksa airlines itself may be shutting down some accounts which have no other miles coming in except from BofA AS card signups. So i suggest if you're going to churn AS cards, that you also earn AS miles some other way (AS dining program, AS shopping mall, hotel stays or car rentals, whatever, just so there's "variety" clearly showing in your AS account). If you regularly fly AS anyway (and credit AS when you do), that shouldn't need to be a concern.
Good to know. Thanks.Originally Posted by sdsearch
It's better to apply for only business cards (as much as you can) if you're interested in applying for Chase cards. Chase doesn't approve for most cards (and perhaps someday in the future for any card?) if you have 5 or more bank credit cards showing on your credit report with an "opened on" date in the past 24 months. But business cards from most banks (Discover and Cap One being the main exceptions) don't appear on EQ/EX/TU credit reports, and thus are not counted by Chase for that 5/24 count. So if you apply for virtually nothing other than business cards for two years, you can get back into applying for Chase cards.Also, the BofA 2/3/4 anti-churning rule applies only to personal cards. (Though it's not clear whether you can churn business cards any faster than that.)
And there are different pitfalls you have to avoid with personal vs business cards. With personal cards, if you're approved with a creidit limit less than $5000, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus. There is no such issue with the business card. But OTOH, the business card may be harder to get approved without jumping through hoops such as opening a $1500 Certificate of Deposit or supplying hard-to-supply business documents.
So there is no simple answer about which is better or easier. There are a lot of factors to consider, and each person may come to a different personal decision based on those factors.
The main fact is: It's hard to churn Alaska cards "quickly" any more. You can only churn them fairly "slowly".
Also, Alaksa airlines itself may be shutting down some accounts which have no other miles coming in except from BofA AS card signups. So i suggest if you're going to churn AS cards, that you also earn AS miles some other way (AS dining program, AS shopping mall, hotel stays or car rentals, whatever, just so there's "variety" clearly showing in your AS account). If you regularly fly AS anyway (and credit AS when you do), that shouldn't need to be a concern.
Recently approved for the BOA Premium Rewards. Are there any recent data points on whether applying for the Alaska card, in 30 days window, would result in the pulls being combined at Experian?
Quote:
No way.Originally Posted by flew-d-coop
Recently approved for the BOA Premium Rewards. Are there any recent data points on whether applying for the Alaska card, in 30 days window, would result in the pulls being combined at Experian?
Quote:
OK, I was hopeful as I found old references of pulls combining at doc of creditOriginally Posted by philemer
No way.
Quote:
The link you cited above is referencing two applications at the same time. You asked about doing two applications within 30 days of each other. Not the same thing.Originally Posted by flew-d-coop
OK, I was hopeful as I found old references of pulls combining at doc of credit
Quote:
Also, the BofA 2/3/4 anti-churning rule applies only to personal cards. (Though it's not clear whether you can churn business cards any faster than that.)
And there are different pitfalls you have to avoid with personal vs business cards. With personal cards, if you're approved with a creidit limit less than $5000, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus. There is no such issue with the business card. But OTOH, the business card may be harder to get approved without jumping through hoops such as opening a $1500 Certificate of Deposit or supplying hard-to-supply business documents.
So there is no simple answer about which is better or easier. There are a lot of factors to consider, and each person may come to a different personal decision based on those factors.
The main fact is: It's hard to churn Alaska cards "quickly" any more. You can only churn them fairly "slowly".
Also, Alaksa airlines itself may be shutting down some accounts which have no other miles coming in except from BofA AS card signups. So i suggest if you're going to churn AS cards, that you also earn AS miles some other way (AS dining program, AS shopping mall, hotel stays or car rentals, whatever, just so there's "variety" clearly showing in your AS account). If you regularly fly AS anyway (and credit AS when you do), that shouldn't need to be a concern.
Alaska Mileage Plan Dining has a 1,000 mile new account sign up bonus so it is a no brainer to diversify your miles acquisition methods for this one-time deal alone.Originally Posted by sdsearch
It's better to apply for only business cards (as much as you can) if you're interested in applying for Chase cards. Chase doesn't approve for most cards (and perhaps someday in the future for any card?) if you have 5 or more bank credit cards showing on your credit report with an "opened on" date in the past 24 months. But business cards from most banks (Discover and Cap One being the main exceptions) don't appear on EQ/EX/TU credit reports, and thus are not counted by Chase for that 5/24 count. So if you apply for virtually nothing other than business cards for two years, you can get back into applying for Chase cards.Also, the BofA 2/3/4 anti-churning rule applies only to personal cards. (Though it's not clear whether you can churn business cards any faster than that.)
And there are different pitfalls you have to avoid with personal vs business cards. With personal cards, if you're approved with a creidit limit less than $5000, that's a "fate worse than death", because it means you still get a card but you don't get the 30k bonus. There is no such issue with the business card. But OTOH, the business card may be harder to get approved without jumping through hoops such as opening a $1500 Certificate of Deposit or supplying hard-to-supply business documents.
So there is no simple answer about which is better or easier. There are a lot of factors to consider, and each person may come to a different personal decision based on those factors.
The main fact is: It's hard to churn Alaska cards "quickly" any more. You can only churn them fairly "slowly".
Also, Alaksa airlines itself may be shutting down some accounts which have no other miles coming in except from BofA AS card signups. So i suggest if you're going to churn AS cards, that you also earn AS miles some other way (AS dining program, AS shopping mall, hotel stays or car rentals, whatever, just so there's "variety" clearly showing in your AS account). If you regularly fly AS anyway (and credit AS when you do), that shouldn't need to be a concern.