Best Offer Enhancements: App tips, Best recent offer, more…

Note: American Express is a Frequent Miler advertiser, but we always show the best public offer even when we don't earn a commission. Please see our Advertiser Disclosure.

At its core, the Frequent Miler Best Offers page is the same as before. The page continues to display the best credit card signup offers we can find.  Now, in response to new application rules being enforced by major issuers like Chase and Amex, we’ve added a few great new features…

Application Tips

When applying for credit cards, there are many questions you may have about the card issuer (e.g. bank), such as:

  • Can a person qualify for a signup bonus for a card they’ve had before?  If so, under what conditions?
  • Are there limits to how many cards a person can apply for within a set period of time?
  • Are there limits to how many cards a person can have?
  • If a person applies for multiple cards in one day from one card issuer, are the credit inquiries combined?
  • Is there a way to check my application status online or over the phone?
  • What can I do if my application is denied?

I realized recently that it was crazy to make people search all over the web for answers to these questions.  Instead, we added a new “App Tips” table to the top of each card issuer section on the Best Offers page.

To get to the top of a section for a particular card issuer, use the Jump To links that are scattered throughout the page:

Jump to: Amex, BOA, Barclaycard, Capital One, Chase, Citi, Discover, TD Bank, US Bank, Wells, Other

At the top of each issuer section, you’ll find “App Tips” for that issuer.  Many of the tips are hyperlinks which, when clicked, will bring you to a post containing more information (many of these are powered by Doctor of Credit, by the way).  Here’s Chase, for example:

Chase App Tips Must wait 24 months after previous bonus to signup for same card Business cards: You can get 2nd bonus if you apply w/ diff business Difficult to get approved if you’ve opened 5 or more cards in past 24 months Hard inquiries combined into 1 when approved same day Usual max 2 new cards per month (but rule seems to vary)
Call (888) 338-2586 to check your application status If denied, call reconsideration here:888-245-0625 (personal cards); 800-453-9719 (business cards); 800-527-7415 (Ritz)

Note that the table above represents the contents of the Chase App Tips as of the date of this publication. Updates to the table can be found on the Best Offers page, here.

Recent better offer

American Express used to let people sign up for the same cards over and over and get a new bonus each time as long as they waited 12 months after cancelling the previous card.  The ability to get a second bonus on the same card ended for personal cards in 2014.  Then, as of late February 2016, it ended for business cards as well (see this post for details).

As a result of these changes, it’s important to wait for the best of the best Amex offers.  You wouldn’t want to blow your once per lifetime signup opportunity on a 35K offer, for example, if a 60K offer may be on the horizon.  But, how can you know if a better offer may be coming?

We’ve added a new feature to our card offer descriptions: “Recent better offer”.  If we’re aware of a better public or targeted offer that has been available in the past 12 months or so, this is where we’ll give the details.  For example, the current best offer for the Delta Platinum card is for 35,000 miles.  However, there was an offer for 60,000 miles that expired on June 30th.  So, we now display that information:

Best Offer Enhancements Recent Better Offer Delta Platinum
The pictured offer has expired.

It is also useful to know when the current offer is the best known recent offer.  For example, the current Amex Hilton credit card offers are the best we’ve seen in recent times, so we say so:

Best Offer Enhancements Recent Better Offer Hilton
The pictured offer for the Hilton Honors card has expired.

There is absolutely no guarantee that the past will repeat itself, but this is the best information we have about what might happen in the future.

Currently, we’ve done our best to fill out this information for every Amex card on the Best Offers page.  Going forward, we’ll update the information as needed and add the information to all of the other card issuer offers as well.

Best of the Best

This feature has been in place for a while now, but I hadn’t previously reported it…  Over time, the Best Offers page has grown bigger and bigger.  Today, there are about 100 offers listed on the page.  While its great to have a lot to choose from, it can also be overwhelming.  To help with that, we added a “Best of the Best” section at the top of the page:

Best of the Best
Top Points Cards
Sapphire 55K
Ink Plus 60K
Prestige 50K
Premier 40K
ATT Free Phone
Top Airline Offers
Citi AA 50K
BA Up to 100K
Southwest 50K
United 50K
Lufthansa 35K
Alaska 25K
Top Hotel Offers
Hyatt 2 Nights
Fairmont 2 Nights
Marriott 87.5K
Hilton 70K or 85K
Hilton 2 Nights or 75K
Top Misc Offers
Spark 50K
Venture 40K
Arrival+ 40K
Propel 40K
Amtrak 20K
Discover 2X

This is a subjective list of what we consider to be the best of the best offers.  Click any of the links to jump down to the section of the Best Offers page containing that card.  In some cases you’ll also have to scroll down a bit to find the specific offer.

Note that this list specifically shows cards with the best signup bonuses.  Other cards may be best for you for other reasons.

Stay informed

We update the offers listed on the Best Offers page all the time.  Whenever there’s a significant change, we add a comment with a brief description of the change.  If you’d like to keep up with these changes, simply write a comment at the bottom of the page and select the box that says “Notify me of follow-up comments by email.”  You will then receive an email every time someone comments on this page. It’s perfectly fine, for example, to simply write “sub” in order to let us know that you are subscribing to comments.

Reader help wanted

Finding and keeping up with the best credit card offers isn’t easy.  We learn about changes to these offers from forums, blog posts, our own experience, and most of all from readers.  If you know of a public or targeted offer that is better than one displayed on our Best Offers page, please add a comment to that page or send an email to frequentmiler  at Gmail dot com.  Similarly, if you find that information on the page is wrong or a link is broken, please let us know!

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[…] Best Offer Enhancements: App tips, Best recent offer, more… – Details of some of the enhancements we have made to the Best Signup Offer page. […]


Nice addition. Your site really offers some great tools. Thanks!

[…] sometimes put forward better offers over the phone than what you’ll see online.  For example, a reader named Matt said that his in-laws called to sign up for the IHG card and they were offered 80,000 points instead of […]


excellent post


Isn’t the best SPG offer 30k?


Here’s a “best offers” data point – I was suggesting the IHG card to my in-laws because they want a hotel card. I pointed them to the 60k + $50 offer when you start a booking. For whatever reason, they prefer calling in, and the offer the phone rep reported to them was 80k, so it sounds like you might be able to get 80k by applying over the phone.


i looked at the 80K offer, but the annual fee was double. Is that what they offered them?


I must have missed that, sorry!

In that case, I suppose it’s laid out fine. My only suggestion would be: since the offer itself (60K after $1K spend) is in the right column, that’s where I was looking to see what you had posted. If you move the note/link to the right column from the left, I feel like it would be more readily apparent if you’re just scanning the page looking for the best bonus.