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
Apr 29, 2018, 8:46 am
#976
Join Date: Oct 2011
Posts: 4,166
A quick question:
My application for personal Signature card in Feb was denied because I had too many cards with them in 2016 (3 cards) and 2017 (2 cards), although I have no card with BOA since 2018 (closed previous cards after holding them for 6-11 months).
Then I tried again in late March, and was only approved for Platinum, which I closed immediately as that was not the card I was interested.
Then, do I have any chance to be approved for Signature card in future? How along should I wait to re-apply?
Thanks a lot in advance.
My application for personal Signature card in Feb was denied because I had too many cards with them in 2016 (3 cards) and 2017 (2 cards), although I have no card with BOA since 2018 (closed previous cards after holding them for 6-11 months).
Then I tried again in late March, and was only approved for Platinum, which I closed immediately as that was not the card I was interested.
Then, do I have any chance to be approved for Signature card in future? How along should I wait to re-apply?
Thanks a lot in advance.
Apr 29, 2018, 10:13 am
#978
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
A quick question:
My application for personal Signature card in Feb was denied because I had too many cards with them in 2016 (3 cards) and 2017 (2 cards), although I have no card with BOA since 2018 (closed previous cards after holding them for 6-11 months).
Then I tried again in late March, and was only approved for Platinum, which I closed immediately as that was not the card I was interested in.
Then, do I have any chance to be approved for Signature card in future? How along should I wait to re-apply?
Thanks a lot in advance.
My application for personal Signature card in Feb was denied because I had too many cards with them in 2016 (3 cards) and 2017 (2 cards), although I have no card with BOA since 2018 (closed previous cards after holding them for 6-11 months).
Then I tried again in late March, and was only approved for Platinum, which I closed immediately as that was not the card I was interested in.
Then, do I have any chance to be approved for Signature card in future? How along should I wait to re-apply?
Thanks a lot in advance.
https://www.flyertalk.com/forum/cred...24-months.html
So stop applying for personal cards unless you know the procedure for "rescuing" a Platinum card approval (you try to get it converted to Signature immediately, even if that takes 2 months, rather than cancelling it).
Your only chance right now is probably applying for an AS business card, (which doesn't have a Platinum version, so you'll either be approved for a 30k bonus or just denied) but that has its own "sinkholes".
Also, were you lowering credit limit before cancelling each card? If not, that's why you only got a Platinum! Credit limit that's left on a BofA card after you cancel is not available to new applications for over a year.
Apr 29, 2018, 12:04 pm
#979
Join Date: Apr 2011
Posts: 34
Well, the card you closed still counts toward 2/3/4, and so depending on exactly when in 2016 and exactly when in 2017 you opened each BofA card, you may be out luck for a BofA personal card for a while, due to this:
https://www.flyertalk.com/forum/cred...24-months.html
So stop applying for personal cards unless you know the procedure for "rescuing" a Platinum card approval (you try to get it converted to Signature immediately, even if that takes 2 months, rather than cancelling it).
Your only chance right now is probably applying for an AS business card, (which doesn't have a Platinum version, so you'll either be approved for a 30k bonus or just denied) but that has its own "sinkholes".
Also, were you lowering credit limit before cancelling each card? If not, that's why you only got a Platinum! Credit limit that's left on a BofA card after you cancel is not available to new applications for over a year.
https://www.flyertalk.com/forum/cred...24-months.html
So stop applying for personal cards unless you know the procedure for "rescuing" a Platinum card approval (you try to get it converted to Signature immediately, even if that takes 2 months, rather than cancelling it).
Your only chance right now is probably applying for an AS business card, (which doesn't have a Platinum version, so you'll either be approved for a 30k bonus or just denied) but that has its own "sinkholes".
Also, were you lowering credit limit before cancelling each card? If not, that's why you only got a Platinum! Credit limit that's left on a BofA card after you cancel is not available to new applications for over a year.
I believe that can explain why got declined in Feb, and approved with Platinum in March.
Now, does the Platinum card I got approved then cancelled count to 2/3/4?
Does "rescue" mean I should try to reopen that Platinum card?
Thanks again.
Apr 29, 2018, 3:18 pm
#980
Moderator: Budget Travel forum & Credit Card Programs, FlyerTalk Evangelist
Join Date: Aug 2002
Location: YYJ/YVR and back on Van Isle ....... for now
Programs: UA lifetime MM / *A Gold
Posts: 14,429
When applied in Feb. it was within 2/3/4, but just out in March. I didn't lower the CL.
I believe that can explain why got declined in Feb, and approved with Platinum in March.
Now, does the Platinum card I got approved then cancelled count to 2/3/4?
Does "rescue" mean I should try to reopen that Platinum card?
I believe that can explain why got declined in Feb, and approved with Platinum in March.
Now, does the Platinum card I got approved then cancelled count to 2/3/4?
Does "rescue" mean I should try to reopen that Platinum card?
Apr 29, 2018, 8:22 pm
#981
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
When applied in Feb. it was within 2/3/4, but just out in March. I didn't lower the CL.
I believe that can explain why got declined in Feb, and approved with Platinum in March.
Now, does the Platinum card I got approved then cancelled count to 2/3/4?
Does "rescue" mean I should try to reopen that Platinum card?
Thanks again.
I believe that can explain why got declined in Feb, and approved with Platinum in March.
Now, does the Platinum card I got approved then cancelled count to 2/3/4?
Does "rescue" mean I should try to reopen that Platinum card?
Thanks again.
But, while you're welcome to try now, we've never heard of that being possible after (a) you closed the card already, and (b) more than a day or so after the approval as Platinum. You may be able to re-open it as a Platinum, but I doubt you can re-open it and then also upgrade it to Signature and then still qualify for the Signature signup bonus. That would seem to me to be asking way too much of BofA at this point. Can't they can tell by looking at your BofA history: "oh, this guy only cares about 30k bonuses, not about having an Alaska card"? Or have you used your Alaska cards significantly after you earned the signup bonus?
And yes, a card that was approved and only cancelled after that is still a card account that was opened and then closed. So I would bet that it counts for 2/3/4.
Last edited by sdsearch; Apr 29, 2018 at 8:32 pm
May 2, 2018, 12:44 pm
#983
Join Date: Jun 2016
Posts: 167
Last week I downgraded my Alaska Signature to a Cash Rewards card. The next day I called in and lowered the credit limit. I have two Merrill+ cards open as well. I am clear of the 2/3/4 rule.
I want to apply for another Alaska personal card. Am I to understand that I need to wait another two months since I only just lowered my credit limit? The new credit limit is reflected in my online accounts. Or am I safe to proceed with the application?
I could also apply for the biz card I suppose - I do have a legit business, I just don't care for all the recon hassle. Does an Alaska biz have a fairly high rate of auto-approval?
Thanks all.
I want to apply for another Alaska personal card. Am I to understand that I need to wait another two months since I only just lowered my credit limit? The new credit limit is reflected in my online accounts. Or am I safe to proceed with the application?
I could also apply for the biz card I suppose - I do have a legit business, I just don't care for all the recon hassle. Does an Alaska biz have a fairly high rate of auto-approval?
Thanks all.
May 2, 2018, 7:21 pm
#984
Join Date: Oct 2014
Posts: 265
Just got off the phone with "Steve", my account specialist at Alaska Airlines (customer retention). He wanted to know several things before cancelling my PERSONAL CARD, including the 3rd line embossing on my business card and my mileage plan number. He did not immediately cancel my card, keeping me on the phone for about 15 minutes trying to convince me that I could lose my miles by cancelling. He kept saying that he was "fighting" for me not to lose them, but couldn't guarantee that I wouldn't lose them. He then stated that he could see that I open the card, get the benefits then close it a year later, and he thought this practice could make me lose my points too - but he was "fighting" for me, and again he couldn't guarantee I wouldn't lose them - he's seen it happen in the past with people who cancel their cards.. Then he tried reading terms from what sounded like application pages about how if the points aren't used in 2 years, they may expire and mixing in his own words to make it sound like I could lose them by cancelling. After continued trying to get him to tell me exactly how Bank of America would take my points back, he claimed it wasn't bank of america, it was Alaska Airlines that would take them away. He danced around a lot with pretend and amateur sounding legal jargon, I told him he better be careful: "you are walking a fine line of what is legal and illegal", and told him to cancel the card and he finally did - again after about 15 minutes.
Pretty aggressive they are getting!
Pretty aggressive they are getting!
May 3, 2018, 10:48 am
#985
Join Date: Jun 2016
Posts: 167
Denied for 2nd Alaska Air (closed the 1st a week ago). Lowered my BoA credit limits beforehand. I am clear of the 2/3/4 rule.
Called to recon and was told I could submit a reconsideration request - no dice. Was asked about income, investments, and any delinquent credit card payments (none). Was told decision stands based on too many accounts opened recently (I've opened 8 in last 12 mo) and not enough investments with BoA or their affiliates. Income is $145k and investments around $50k.
Interestingly, I was told by someone on Reddit that I could open a BoA checking account, put a couple thousand dollars in it and call recon again. This individual stated they have done this and had their application subsequently approved after initially being denied Has anyone else heard of anything like this?
Alternatively, would it be smarter to open a BoA, park some money in it, keep a clean report for 3-6 months and try again?
Called to recon and was told I could submit a reconsideration request - no dice. Was asked about income, investments, and any delinquent credit card payments (none). Was told decision stands based on too many accounts opened recently (I've opened 8 in last 12 mo) and not enough investments with BoA or their affiliates. Income is $145k and investments around $50k.
Interestingly, I was told by someone on Reddit that I could open a BoA checking account, put a couple thousand dollars in it and call recon again. This individual stated they have done this and had their application subsequently approved after initially being denied Has anyone else heard of anything like this?
Alternatively, would it be smarter to open a BoA, park some money in it, keep a clean report for 3-6 months and try again?
May 3, 2018, 7:02 pm
#986
Join Date: Jan 2017
Posts: 790
Thanks! It actually appeared this morning, exactly how you mention, despite not having the card yet.
Bottom line -- it DOES take some steps and most importantly about 30 days, but it really was pretty painless to open the CD and get the business card that way. I have zero issue doing that for 30,000 Alaska miles for $1,000 spend. I do not want to churn this card this way, but my intention was not to churn anyways, I just wanted to snag some Alaska miles for once. And anyways, the churning ability at all seems to have seriously diminished as just about all of us know now.
Bottom line -- it DOES take some steps and most importantly about 30 days, but it really was pretty painless to open the CD and get the business card that way. I have zero issue doing that for 30,000 Alaska miles for $1,000 spend. I do not want to churn this card this way, but my intention was not to churn anyways, I just wanted to snag some Alaska miles for once. And anyways, the churning ability at all seems to have seriously diminished as just about all of us know now.
It's been a long road to finally get 30,000 Alaska Miles but I feel very satisfied I didn't leave empty handed. I was too late to the personal card gravy train that I do not expect to EVER get one, let alone churn it, but I was happy to get at least one card at all considering I was late to this party.
May 4, 2018, 3:51 pm
#987
Join Date: Dec 2016
Programs: UA 1K
Posts: 132
New DP: I'm 18/24 for personal cards, and received an Alaska Biz card last year by opening a $1,500 CD to get the card. I was hesitant to apply for the personal card, but this week I did and was auto-approved for a $20K credit line. BofA is very strange with their approvals and credit lines.
I do have existing BofA Travel Rewards from 2013 and Merrill+ from 09/2017 as well.
I do have existing BofA Travel Rewards from 2013 and Merrill+ from 09/2017 as well.
May 6, 2018, 7:41 am
#989
Join Date: May 2014
Location: SoCal
Posts: 2,164