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
May 29, 2018, 4:36 pm
#1007
Join Date: Jun 2016
Posts: 2,257
Applied for BOA AS Biz, didnt call in after it went pending (might be the fatal mistake here).
Then a week or so later, got the letter asking for "proof of business ownership etc" that some folks here have gotten in the past.
So is the consensus still the following - this decision cannot be overturned unless you send in verification of business structure, W2, past 2 yrs tax returns, etc?
Might just have to let this one go and applied again 90 days from now (or is it 30 days i forget)
Then a week or so later, got the letter asking for "proof of business ownership etc" that some folks here have gotten in the past.
So is the consensus still the following - this decision cannot be overturned unless you send in verification of business structure, W2, past 2 yrs tax returns, etc?
Might just have to let this one go and applied again 90 days from now (or is it 30 days i forget)
May 29, 2018, 6:27 pm
#1008
Join Date: Sep 2010
Location: Bali, Indonesia
Programs: AA, DL, AK, UN, CN
Posts: 967
Applied for BOA AS Biz, didnt call in after it went pending (might be the fatal mistake here).
Then a week or so later, got the letter asking for "proof of business ownership etc" that some folks here have gotten in the past.
So is the consensus still the following - this decision cannot be overturned unless you send in verification of business structure, W2, past 2 yrs tax returns, etc?
Might just have to let this one go and applied again 90 days from now (or is it 30 days i forget)
Then a week or so later, got the letter asking for "proof of business ownership etc" that some folks here have gotten in the past.
So is the consensus still the following - this decision cannot be overturned unless you send in verification of business structure, W2, past 2 yrs tax returns, etc?
Might just have to let this one go and applied again 90 days from now (or is it 30 days i forget)
Any good data points appreciated!
May 29, 2018, 9:12 pm
#1009
Join Date: Jun 2016
Posts: 2,257
What was the denial reason you got the second time around?
May 29, 2018, 11:24 pm
#1010
Join Date: Jan 2017
Posts: 790
May 30, 2018, 7:35 am
#1011
Join Date: Sep 2010
Location: Bali, Indonesia
Programs: AA, DL, AK, UN, CN
Posts: 967
The first time I did something more realistic, maybe $1200 and 2 years. The second time I had seen the $0/zero-years and tried that and it failed. Is that the secret? Guess I can try again in a 1-2 more months, when the original application that wanted documentation fades away?
Jun 1, 2018, 8:04 pm
#1012
formerly willbbiddy
Join Date: Nov 2017
Posts: 208
So.. um I just got hit with a 2nd hard pull. Is this normal? Anyone else have this happen? Any explanation? My credit dropped like 60 points last month because BOA took over a week to process my card that was maxed out to hit a bonus and it posted maxed out instead of payed off (magically the payment posted the next day...)
Jun 5, 2018, 1:28 am
#1013
Join Date: Aug 2017
Posts: 1,610
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...M&locale=en_US
It no longer makes any mention of $50/5000 lower bonus for Platinum Plus.
Do we have data points on this?
Looking at the terms and conditions now: https://www.bankofamerica.com/credit...M&locale=en_US
It no longer makes any mention of $50/5000 lower bonus for Platinum Plus.
Do we have data points on this?
Jun 5, 2018, 3:02 pm
#1014
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
The first time I did something more realistic, maybe $1200 and 2 years. The second time I had seen the $0/zero-years and tried that and it failed. Is that the secret? Guess I can try again in a 1-2 more months, when the original application that wanted documentation fades away?
Are you giving a business name, or a you giving your name as the business name?
If you give your name as the business name, your address as the business address, your phone number as the business phone number, 0 years in business, $0 business income, sole proprietorship, no employees, there cannot possibly be "verification of business structure", and your personal tax returns would the only tax returns.
But of course, we don't know if BofA keeps your answers from past applications and compares those to the answers from the most recent applications. I give those kinds of answers on every business card application I make.
Lots of people, at lots of banks, have found out that it's often easier to get approved by giving the "I don't really have a business" answers than by giving real answers.
Jun 5, 2018, 4:22 pm
#1015
Join Date: May 2018
Posts: 18
So similar to some DP above I applied for the business card and they are asking for proof 
(I made the mistake of putting high numbers 60K for income) They want my Business License; tax returns etc. Is the consensus that at this time I should just cancel the application?
(I made the mistake of putting high numbers 60K for income) They want my Business License; tax returns etc. Is the consensus that at this time I should just cancel the application?
Jun 5, 2018, 4:37 pm
#1016
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,084
So similar to some DP above I applied for the business card and they are asking for proof (I made the mistake of putting high numbers 60K for income) They want my Business License; tax returns etc. Is the consensus that at this time I should just cancel the application?
(I made the mistake of putting high numbers 60K for income) They want my Business License; tax returns etc. Is the consensus that at this time I should just cancel the application?
Jun 5, 2018, 5:49 pm
#1017
Join Date: Jan 2017
Posts: 790
Even more importantly:
Are you giving a business name, or a you giving your name as the business name?
If you give your name as the business name, your address as the business address, your phone number as the business phone number, 0 years in business, $0 business income, sole proprietorship, no employees, there cannot possibly be "verification of business structure", and your personal tax returns would the only tax returns.
But of course, we don't know if BofA keeps your answers from past applications and compares those to the answers from the most recent applications. I give those kinds of answers on every business card application I make.
Lots of people, at lots of banks, have found out that it's often easier to get approved by giving the "I don't really have a business" answers than by giving real answers.
Are you giving a business name, or a you giving your name as the business name?
If you give your name as the business name, your address as the business address, your phone number as the business phone number, 0 years in business, $0 business income, sole proprietorship, no employees, there cannot possibly be "verification of business structure", and your personal tax returns would the only tax returns.
But of course, we don't know if BofA keeps your answers from past applications and compares those to the answers from the most recent applications. I give those kinds of answers on every business card application I make.
Lots of people, at lots of banks, have found out that it's often easier to get approved by giving the "I don't really have a business" answers than by giving real answers.
This thread is losing steam, and I totally get why.
That said, and I do not have near the experience of some of you people here with this product, my gut seems to be that the new norm for a 0 yrs / $0 / SSN / name as business / personal address app is the $1,500 CD offer. Feels like a buzzkill, but I can say that it wasn't as much of a drag as I thought it would be.
Will be great to get more data points on the business card to support or deny this.
I am also curious if this Business card will be churnable still with the method above. Practically looking at it, it seems absurd for BoA to approve multiple cards like this with this if there is human review. Anyways, I'll try it out one day maybe.
Jun 6, 2018, 6:28 pm
#1018
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
AS Account restricted due to churning BofA