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Filed under weird but true, there are situations where it makes sense to sign up for a credit card that you don’t want in order to get the card you do want. Typically the process requires signing up for a similar card and later calling to product change to the card you really want.
Why in the world would you do this? Below you’ll find reasons and examples…
Card no longer available
When credit cards are discontinued, card issuers sometimes continue to make them available via product changes. In these cases, you can sign up for a similar card now, and later product change to the card you really want. Here are some examples:
Chase Ritz Carlton Rewards Visa Infinite
This discontinued card isn’t for everyone since it comes with a hefty $450 annual fee. That said, it comes with a number of super high-end perks:
- $300 in annual airline fee reimbursements.
- Free Night Award each year upon renewal can be used to book any Marriott portfolio hotel that costs up to 50K points
- Automatic Marriott Gold status
- Earn Marriott Platinum status with $75K spend per account year
- 3 Ritz club level upgrades for rooms booked at the standard rate
- $100 hotel credit for each 2 night or longer paid stay at Ritz or St. Regis properties
- Priority Pass Select airport lounge access with unlimited free guests
- Free authorized users (who also get Priority Pass)
- Global Entry fee reimbursement
This is probably the best card available for setting up yourself and your whole family with Priority Pass lounge access. Yes, the annual fee is steep, but $300 in airline fee reimbursements plus the annual free night certificate can justify the annual fee before even considering the value of the card’s other features.
How to get it: Sign up for the Marriott Bonvoy Boundless Credit Card, wait until the second year annual fee comes due, then call to request a product change to the Ritz card. You may need a high credit limit ($10K or more) to be eligible.
Marriott Bonvoy American Express Card
The main reason to consider this $95 per year card is that it offers a Marriott free night certificate each year good for any hotel that costs up to 35,000 points. This card is no longer available to new applicants.
How to get it: Sign up for the $450 Marriott Bonvoy Brilliant™ American Express® Card, wait until the second year annual fee comes due, then call to request a product change to the $95 card.
Better signup bonus
Sometimes you can get a better signup bonus by signing up for a different card and then later product changing to the card you really want. Here are some examples:
Chase United Gateway Card
The fee-free United Gateway Card usually has a lackluster welcome bonus, but it is available as a product change from the $95 United Explorer MileagePlus Card.
This United Gateway card is special because it offers some of the best features of the $95 version for free. Once you get this fee-free version, I recommend holding onto it forever. It just might come in handy thanks to these features:
- Improved economy saver award availability: As a cardholder, you’ll find more United economy saver awards (on United flights only).
- Last seat standard economy award availability: Standard awards are the higher priced awards that United makes available on their own flights. While I don’t usually recommend booking these, they can be a lifesaver under specific situations. For a personal example, see: Delta delay… United last seat availability to the rescue.
- 25% bonus on miles earned through the MileagePlus X App. The MileagePlus X App offers bonus miles for retail purchases. As a cardholder, you’ll get a 25% bonus. For example, if the app offers 4 miles per dollar at Macy’s, you’ll earn a total of 5 miles per dollar.
- The United MileagePlus Shopping portal sometimes offers better rewards for United cardholders.
Here is the current welcome bonus for the United Explorer Card:
| Card Offer |
|---|
$150 cash back ⓘ Non-Affiliate $150 cash back after $3K spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card no longer features a first-year bonus.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K miles ⓘ Affiliate 70K after $6K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$350 Annual Fee |
60K miles ⓘ Affiliate 60K miles after $3K spend in 6 months. Terms apply. (Rates & Fees)$350 Annual Fee |
80K miles ⓘ Affiliate 80k after $10K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee |
70K Miles ⓘ Affiliate Earn 70K miles after $5K spend in first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee |
60k miles ⓘ Affiliate 60K after $4K spend in first 6 months. Terms and limitations apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 |
50K miles ⓘ Affiliate 50K miles after $2K spend in first 6 months. Terms apply. (Rates & Fees)$0 introductory annual fee for the first year, then $150 |
10K miles ⓘ Affiliate 10K miles after $1000 spend in the first 6 months. Terms apply. (Rates & Fees)No Annual Fee Note an unusual restriction: Welcome bonus not available if you've had another Delta consumer card in the past 90 days. |
250K points ⓘ Friend-Referral 250K points after $20K spend in the first 3 months. Terms apply. (Rates & Fees)$695 Annual Fee Alternate Offer: Targeted online offer of 250K points after $15K spend in the first 3 months See this post for details. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
100K points + 10X on dining ⓘ Non-Affiliate 100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
100K points ⓘ Friend-Referral 100K points after $6K in purchases in the first 6 months. Terms apply. (Rates & Fees)$325 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K after $6K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 11/10/24 - referrals only] |
40K points ⓘ Friend-Referral 40K after $3K spend in first 6 months. Terms apply. See Rates & Fees$150 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23] |
15K points ⓘ Friend-Referral 15K points after $3K spend in first 3 months. Terms & limitations apply. $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
200K points ⓘ Friend-Referral 200K points after $15K spend in 3 months. Terms apply. (Rates & Fees)$375 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None. This is the best we've ever seen. |
Up to $600 ⓘ Friend-Referral Earn a $200 statement credit after each $10,000 you spend on the card, up to $30,000, in the first 3 months of Card Membership. Terms Apply. (Rates & Fees)$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications ⓘ Friend-Referral This card is not currently available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications ⓘ Friend-Referral This card is not currently available for new applicants.$95 Annual Fee Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K after $2K in first 3 months |
$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
80K points ⓘ Non-Affiliate 80K after $8K spend in first 6 months. Terms apply.$695 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 125K points after 6k spend [Expired 11/8/23] |
None This card is no longer available.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None |
$350 back ⓘ Non-Affiliate $350 cash back as a statement credit after $3K in the first 6 months. Terms Apply. (Rates & Fees)$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
125K points ⓘ Non-Affiliate 125K after $8K spend in first 6 months. Terms apply. (Rates & Fees)$695 Annual Fee This card is only available to clients that maintain an eligible Schwab brokerage account. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22] |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
15K points + 0% APR for 12 months ⓘ Affiliate 15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% - 25.74%, based on your creditworthiness and other factors at account opening. (Rates & Fees)No Annual Fee |
$250 back + 0% APR for 12 months ⓘ Affiliate $250 statement credit after $3k spend within first 3 months and 0% introductory APR on all eligible purchases for 12 months from the date of account opening. After that, your APR will be a variable rate, 17.74% - 25.74% depending on creditworthiness. (Rates & Fees)No Annual Fee |
$250 back ⓘ Affiliate $250 cash back as reward dollars that can be redeemed as a statement credit or via Amazon.com after $3K spend in eligible purchases within the first 6 months. Terms Apply. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
Up to $350 back ⓘ Non-Affiliate Up to $350 back: $200 back after $2K in the first 6 months + 10% back at restaurants for the first 6 months up to $150 back. Terms apply. (Rates & Fees)No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$125 Amazon Gift Card ⓘ Affiliate Eligible Prime members get a $125 Amazon Gift Card upon approval. Terms apply. (Rates & Fees)No Annual Fee |
This card is not currently available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
175K Points + free night certificate ⓘ Friend-Referral 175K after $6K spend in first 6 months. Free night certificate every year - first certificate is awarded 8-12 weeks after approval. Terms apply. (Offer Expires 1/8/2025)$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
165K points ⓘ Affiliate 165K points after $3K spend within the first 6 months. Terms apply. (Offer Expires 1/8/2025)$150 Annual Fee Recent better offer: (Expired 7/31/24) 130K points + free night certificate after $3K spend within the first 6 months. |
175K Points ⓘ Affiliate 175K after $8K spend in first 6 months. Terms apply. (Offer Expires 1/8/2025)$195 Annual Fee Recent better offer: None |
100K points ⓘ Affiliate 100K points after $2K spend within the first 6 months. Terms apply. (Rates & Fees) (Offer Expires 1/8/2025)No Annual Fee After clicking through, be sure to choose the card you want on the landing page. Recent better offer: (Expired 7/31/24) 70K points + free night certificate after $2K spend within the first 6 months. |
This card is no longer available for new applications $0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
95K Points ⓘ Affiliate 95k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)$650 Annual Fee Recent better offer: (Expired 10/2/24) 185k points after $6K spend within the first 6 months. |
3 Free Night Awards, valued at up to 50K points each ⓘ Affiliate Three 50k free night certificates after $6K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Resort fees & terms apply. (Rates & Fees)$125 Annual Fee Recent better offer: 5x50K free night certificates after $8K in spend (expired 10/16/24) |
85K Points ⓘ Affiliate 85K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)$250 Annual Fee Recent better offer: (Expired 10/2/24) 155K points after $5K spend in the first 6 months. |
$200 Cash Back as a statement credit ⓘ Non-Affiliate $200 statement credit after $1K in purchases in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications ⓘ Friend-Referral This card is not currently available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50k miles ⓘ Non-Affiliate 50K miles after $500 in purchases in the first 90 days + instant Gold status with account opening & first purchae; maintain Gold status for 12 months with $3,000 in purchases within first 90 days$0 introductory annual fee for the first year, then $99 |
50k Miles ⓘ Non-Affiliate 50k miles after spending $4,000 within the first 90 days$99 Annual Fee Recent better offer: Expired 9/11/22: 80K + $99 statement credit after $2K spend in first 90 days |
70K Miles ⓘ Non-Affiliate 70K miles after one purchase within first 90 days. Use code 000150 for this offer$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Available by invitation only $195 Annual Fee |
70K Miles ⓘ Non-Affiliate 70K miles after 1st purchase and paying the annual fee within 90 days $99 Annual Fee Recent better offer: Up to 75K: 60K miles after first purchase and 15K after adding an authorized user and making one purchase on that card [Expired 2/24/24] |
Not currently available It appears that this card is not available at this time.$95 Annual Fee Recent better offer: Expired 2/6/23: 80K miles + a $95 statement credit after $2K spend in first 90 days. |
25K FunPoints ⓘ Non-Affiliate 25K FunPoints after spending $500 within the first 90 days of account opening.No Annual Fee |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee |
10K Points 10K points after spending $500 within the first 90 days of account opening.No Annual Fee |
80K Miles ⓘ Non-Affiliate 80K miles after $1K in spend in 90 days and payment of annual fee. $99 Annual Fee Note that the landing page prompts you to enter a mobile phone number to continue the application, but you can click "no thanks" to continue the application on your desktop device. |
Up to 60K Miles ⓘ Non-Affiliate Up to 60K miles: 50K bonus miles after spending $4K in first 90 days + additional 10K miles after a purchase is made on an employee card in the first 90 days$99 Annual Fee |
10K miles ⓘ Non-Affiliate 10K points after $1K spend in 90 days. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Non-Affiliate 50K Miles after $3K spend in 90 days + payment of the annual fee$89 Annual Fee Recent better offer: Expired 1/1/23: 100K Miles after $3K spend in 90 days |
30K Miles + 1 Year Silver status ⓘ Non-Affiliate 30K after $3K spend in 90 days$99 Annual Fee |
40K Miles + 1 Year Gold status ⓘ Non-Affiliate 40K after $3K spend in 90 days$499 Annual Fee |
This card is no longer available for new applications $0 introductory annual fee for the first year, then $89 Recent better offer: None. This is the best we've seen. |
This card is no longer available for new applications $150 Annual Fee This card is no longer available for new applications. |
No longer available This card is no longer available to new applicantsNo Annual Fee |
No longer available This card is no longer available to new applicants$75 Annual Fee |
No longer available This card is no longer available to new applicantsNo Annual Fee |
45K Points ⓘ Non-Affiliate 45K points after $2K spend in first 6 months (Offer Expires 1/8/2025)No Annual Fee Recent better offer: Expired 7/11/24: 75K after $2K in spend |
75K Points ⓘ Non-Affiliate 75K points after $2K spend in first 6 months (Offer Expires 1/8/2025)$75 Annual Fee Recent better offer: Expired 7/11/24: 100K after $2K in spend |
Up to 80K Points ⓘ Non-Affiliate Up to 80K points: 40K after after $4K spend in first 90 days + 40K after $15K spend in first 365 days (Offer Expires 1/8/2025)$95 Annual Fee Recent better offer: Expired 7/11/24: 100K after $15K in spend |
$100 Cash back ⓘ Non-Affiliate $100 cash back after $500 spend in the first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 10/31/22: $150 after $500 in spend |
5K Points + $150 statement credit ⓘ Non-Affiliate 5K points after first purchases and 5K points after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K Points ⓘ Non-Affiliate 40K points after $2K spend in 90 days$89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 3 monthsNo Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 3 monthsNo Annual Fee |
none This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $2000 spend in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 75K miles + Companion Fare ⓘ Non-Affiliate 70k miles + Companion Fare ($99 fare + taxes) after $3K spend in 90 days + additional 5K if you apply with an Alaska employee's name and id number.$95 Annual Fee Alternate Offer: There are usually better in-flight offers available that require the name and id number of an Alaska employee. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K miles + Companion Fare ⓘ Non-Affiliate 50K miles + Companion Fare ($99 fare + taxes) after $3K spend in 3 months $95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 70K after $4K in 3 months [Expired 4/23] |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
70K miles + 40XP + 60XP ⓘ Non-Affiliate 70K miles + 40 XP after $3K in the first 90 days + 60 XP upon approval$89 Annual Fee Alternate Offer: Going through the steps to make a dummy booking at the Air France website may result in an offer that only gives 60K miles but also includes a $150 statement credit. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
This card is no longer available for new applications $49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
30K miles 30K after $3K spend in 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K miles 10K after after first purchase$80 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 125K points ⓘ Non-Affiliate Up to 125K points: 120K points after $2K spend in 90 days plus 5K points for adding an authorized user within first 90 days$0 introductory annual fee for the first year, then $75 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
25K points worth $250 ⓘ Non-Affiliate 25K after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 cash bonus ⓘ Non-Affiliate $200 cash rewards bonus after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$500 statement credit ⓘ Non-Affiliate $500 statement credit after $5K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$300 statement credit ⓘ Non-Affiliate $300 statement credit after $3K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee This card is no longer available Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Non-Affiliate 60K points (worth up to $600) after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Non-Affiliate 75K (worth up to $750) after $5K spend in 90 days$550 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available for new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$300 Cash Back ⓘ Non-Affiliate $300 after $3000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
30K points ⓘ Non-Affiliate 30K after $3K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K Points ⓘ Non-Affiliate 10K after $500 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K Points + $100 Voucher ⓘ Non-Affiliate 60K points plus $100 companion voucher after $1K spend in 90 days (enter any random five-digit number as "employee code")$0 introductory annual fee for the first year, then $79 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available to new applicants$59 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K Points ⓘ Non-Affiliate 20K after $1K spend in the first 90 daysNo Annual Fee |
30K Points ⓘ Non-Affiliate 30K points after $1K spend in 90 daysNo Annual Fee |
30K Points ⓘ Non-Affiliate 30K points after $1kK in 90 days No Annual Fee |
25K miles ⓘ Non-Affiliate 25K after $1K in first 90 days$59 Annual Fee Alternate Offer: You may be targeted for an offer including a $100 statement credit during a dummy booking. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees)$95 Annual Fee Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details. Recent better offer: Expired 9/9/24: 75K after $4K spend in 3 months + $250 Capital One Travel credit in first cardholder year |
75K Miles ⓘ Affiliate 75k miles after $4k spend within first 3 months. (Rates & Fees)$395 Annual Fee Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year |
150K Miles ⓘ Affiliate Earn a one-time bonus of 150K miles after $30K spend in the first 3 months$395 Annual Fee Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend. |
20K miles ⓘ Affiliate Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)No Annual Fee |
$200 Cash Back ⓘ Affiliate One time bonus: $200 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
$250 Cash Back ⓘ Affiliate One time bonus: $250 after $500 spend in 3 months from account opening. (Rates & Fees)No Annual Fee |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card is currently unavailable for new applications$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Affiliate Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)$0 introductory annual fee for the first year, then $95 |
50K Miles ⓘ Friend-Referral 50K after $4,500 spend in 3 months from account openingNo Annual Fee Note: Most Capital One Business credit cards (including this one) DO count against Chase's 5/24 Rule Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$750 Cash Back ⓘ Affiliate Earn a $750 cash bonus when you spend $7,500 within the first 3 months. $0 introductory annual fee for the first year, then $95 |
$2,000+ Cash Back ⓘ Affiliate Earn a $2K cash bonus when you spend $30K in the first 3 months + earn an additional $2K bonus for every $500K spent within the first year.. (Rates & Fees)$150 Annual Fee Recent better offer: Expired 3/14/22: $3K after $50K spend in 6 months |
| Earn a $750 bonus after you spend $6K in 3 months from account opening. (Rates & Fees) |
$200 Statement Credit ⓘ Non-Affiliate $200 statement credit with $3k spend in the first 90 days$95 Annual Fee |
$200 Amazon Gift Card ⓘ Affiliate $200 Amazon gift card upon approval. Terms apply. No Annual Fee |
$100 Amazon Gift Card Earn up to a $100 Amazon gift card instantly upon approval. Log in to your Amazon account to see what offer you qualify for. Note that you may be offered the Amazon Prime Visa if you are a Prime member.No Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 statement credit after $500 in purchases in first 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$400 Cash Back ⓘ Non-Affiliate $400 statement credit after $1000 in purchases within first 3 months$49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend |
100K Avios ⓘ Non-Affiliate Earn 100K Avios after $7.5K spend in 6 months$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 7/4/22: 100K after $5K spend |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$69 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. After clicking through, be sure to manually select the exact Southwest card in which you are interested. This card is subject to Chase's 5/24 rule (click here for details). |
60K points ⓘ Affiliate 60K points after $3K spend within first 3 months your account is open$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
80K points ⓘ Affiliate 80K points after $5K spend within first 3 months your account is open$199 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
40K points + $400 ⓘ Friend-Referral 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$99 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K points + $400 ⓘ Affiliate 40K points + a $400 statement credit after $3K spend in the first 4 months. (Offer Expires 12/9/2024)$149 Annual Fee Alternate Offer: Current public offer is 50K points after $1K spend in 3 months. This card is known to be subject to Chase's 5/24 rule. |
75K Miles ⓘ Affiliate 75K miles after $5K spend in first 3 months.$0 introductory annual fee for the first year, then $99 After clicking through, be sure to click the link at the top that says, "Are you a small business owner?" to see the business card offers that include this card. You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card. |
Limited Time Offer: 90K Miles ⓘ Affiliate 90k miles after $5k spend in first 3 months (Offer Expires 1/29/2025)$525 Annual Fee This card is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months. Recent better offer: Expired 1/27/23: 100K after $5K spend |
50K Miles + 1,000 PQP ⓘ Non-Affiliate 50K miles + 1,000 Premier Qualifying Points after $5K spend in first 3 months.$450 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Limited Time Offer: 60k miles ⓘ Affiliate 60K miles after $3K spend in 3 months (Offer Expires 1/29/2025)$0 introductory annual fee for the first year, then $95 This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 70K after $3K spend |
Limited Time Offer: 70K Miles + 500 PQPs ⓘ Affiliate 70K miles and 500 PQPs after $4K spend in the first 3 months (Offer Expires 1/29/2025)$250 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). |
Limited Time Offer: 30K Miles ⓘ Affiliate 30K miles after $1K spend in first 3 months (Offer Expires 1/29/2025)No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Expired 8/11/22: 30K after $1K spend |
Up to 100K Points ⓘ Affiliate 75K points after $4K spend in the first 3 months and an additional 25K after spending a total fo $20K within first 12 months$95 Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$550 Annual Fee Alternate Offer: 70K after $4K spend showing on some accounts when logged-in to Chase Recent better offer: Expired 12/1/22: 80K after $4K spend |
60K Points ⓘ Affiliate 60K after $4K spend in 3 months$95 Annual Fee Alternate Offer: There may be elevated offers available by applying in-branch A similar offer with the first year annual fee waived may be found in-branch. YMMV. Recent better offer: 60K points + $300 travel credit (Expired 11/14/24) |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 monthNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 30K points / $300 cash back ⓘ Affiliate Earn an additional 1.5% on all purchases (up to $20K spent in the first year) - worth up to $300 cash back.No Annual Fee This card is likely subject to Chase's 5/24 rule (click here for details). Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24) |
None ⓘ Non-Affiliate 0% Intro APR for 18 months from account opening on purchases and balance transfers, then a variable APR of 20.24% - 28.999%.No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Even though this card is marketed as a cash back card, it actually earns Ultimate Rewards points which are redeemable for 1 cent each, or can be combined with other Ultimate Rewards-earning cards to get even more value. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Affiliate 75K after $6K spend in 3 monthsNo Annual Fee Alternate Offer: You may be able to get an offer of 120,000 points after $6,000 in purchases via a Business Relationship Manager. |
Up to 75K points ⓘ Affiliate 35K after $3K spend in 3 months and an additional 40K points after $6K spend in 6 months. No Annual Fee Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points. Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24 |
90K points ⓘ Affiliate 90K after $8K spend in 3 months$95 Annual Fee Alternate Offer: There is an in-branch offer of 120K points after $8K in purchases in the first 3 months. Recent better offer: 120K after $8K spend (expired 9/4/24) |
None This card is no longer available$0 introductory annual fee for the first year, then $95 |
$1,000 Cash Back ⓘ Affiliate $1K after $10K Spend in 3 Months$195 Annual Fee Alternate Offer: Some have been targeted for 150K after $10K spend via mailer or in the "Just for You" section of their online account. |
Up to 45K points ⓘ Non-Affiliate 30K points after $3K in spend within the first 3 months, plus an exta 1 point/dollar on up to $15K spend within first 6 months.$95 Annual Fee This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 5x Category 1-4 free night certificates after $15K spend within first 3 months. (Expired 10/31/24) |
60K points ⓘ Affiliate 60K after $5,000 spend in 3 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. |
This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Free DashPass ⓘ Non-Affiliate Receive 12 months of DashPass for free upon approvalNo Annual Fee This card is subject to Chase's 5/24 rule. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back $100 after $500 spend in 3 monthsNo Annual Fee This card is believed to not be subject to Chase's 5/24 rule Recent better offer: $200 after $500 spend in 3 months |
None This card is no longer available$49 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
140k points ⓘ Affiliate Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening$99 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: Five 60K free night certificates after $4K spend in 3 months (expired 9/4/24) |
140K points ⓘ Affiliate Earn 1400K points after $4K spend within the first 3 months.$99 Annual Fee This card is expected to be subject to Chase's 5/24 rule (click here for details). Recent better offer: 200K after $9k spend in 6 months (expired 11/9/24) |
100K Points ⓘ Affiliate Limited time offer - 100K points after $2K spend in 3 monthsNo Annual Fee Recent better offer: 120K after $2K spend (expired 7/4/22) |
85K Points ⓘ Friend-Referral 85K points after $4K spend in 3 months$250 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
125K points ⓘ Non-Affiliate Limited Time Offer: Earn 125,000 bonus points after spending $5,000 on eligible purchases within the first 3 months.$95 Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24) |
60K points + Free Night Certificate ⓘ Friend-Referral 60K points + 50K free night certificate after $2K in the first 3 months. Terms apply. No Annual Fee This card is subject to Chase's 5/24 rule (click here for details). Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23) |
None This card is no longer available$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Miles ⓘ Non-Affiliate 50K miles after $2,500 spend in first 3 months $0 introductory annual fee for the first year, then $99 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 75K miles after $3,500 spend in 3 months (ended 10/14/24) |
None This card is no longer available$0 introductory annual fee for the first year, then $50 |
15K miles ⓘ Non-Affiliate Earn 15K AA miles after $500 spend in 3 monthsNo Annual Fee |
75K miles ⓘ Non-Affiliate 75K miles after $5K spend in first 5 months$0 introductory annual fee for the first year, then $99 Alternate Offer: There is an alternative offer of 30K + $400 credit that can be found when doing a dummy booking on aa.com. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K miles ⓘ Non-Affiliate 75K miles after $7,500 spend in first 3 months$595 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$495 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$225 Cash Back ⓘ Non-Affiliate $75 statement credit for every $500 spent within the first 90 days, up to $225No Annual Fee |
75K Points ⓘ Non-Affiliate 75,000 points after $4,000 spend in 3 months$95 Annual Fee |
20K points ⓘ Non-Affiliate 20K points after $1.5K spend in 3 months No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$95 Annual Fee This card is no longer available to new applicants. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee |
$200 statement credit ⓘ Non-Affiliate $200 statement credit after $1K Spend in 3 MonthsNo Annual Fee |
20K points ⓘ Non-Affiliate $200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 ThankYou® Points.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K Points ⓘ Non-Affiliate 20K points after $1500 spend in the first 6 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months |
$75 statement credit after spending $1,500 within the first three monthsNo Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Requires Costco membership. Cash back provided annually with February billing statement as rewards coupon redeemable for cash or merchandise at Costco |
25K points 25K after $2K spend in 3 months$95 Annual Fee |
15K points 15K after $1K spend in 3 monthsNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate No bonus at this time.$400 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Waitlist only ⓘ Non-Affiliate This card is currently available by waitlist onlyNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No standard bonus ⓘ Friend-Referral This card is currently unavailable to new applicants.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 statement credit after $500 spend in first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 + First Year Double ⓘ Friend-Referral Get $100 after first purchase. All "miles" earned in first 12 months will be doubled. This makes this a 3% cash back card for the first year. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Back + First Year Double ⓘ Friend-Referral Get $100 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$50 + First Year Double + $20/year ⓘ Friend-Referral Get $50 after first purchase. All cashback earned in first 12 months will be doubled including 5% earned in rotating categories. Plus, get $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate There is currently no welcome bonus offered.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate No Annual Fee Alternate Offer: Earn a $250 Amazon gift card after $1k spend with our referral link |
None This card is no longer available$60 Annual Fee |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Friend-Referral This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 60K Avios 30K Avios after first transaction, then an additional 30K after $3,000 spend within the first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 80K Avios + 150 Qpoints ⓘ Non-Affiliate 40K Avios after first transaction, then an additional 40K and 150 Qpoints after $5,000 spend within the first 90 days$499 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $2.5K in first 90 days$79 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate This card currently features no welcome offer, but it does offer 5% back on up to $10K in purchases per year at Simon Malls, Simon Mills, and Simon Premium Outlets. No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K miles ⓘ Non-Affiliate Earn 40K bonus miles after $3K in first 90 days$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to 100K miles ⓘ Non-Affiliate Up to 100K miles: Earn 60K bonus miles after $4.5K spend in first 90 days + 40K miles after $25K total spend in first 12 months$249 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K points ⓘ Non-Affiliate 40K points after "qualifying spend" (we saw $1,500) in 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
80K points ⓘ Non-Affiliate 80K points after "qualifying spend" (we saw $3,000) in 90 days $89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 cash back ⓘ Non-Affiliate 20K points (worth $200) after $3K spend in the first 60 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
12K points ⓘ Non-Affiliate 12K points after $1K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
35K points ⓘ Non-Affiliate 35K points after $2K spend in the first 3 billing cycles (Offer Expires 12/4/2024)$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 30K points after $1K spend in the first 3 billing cycles + 2 companion certificates, 2 upgrade certificates and 2 lounge passes |
$200 Cash Back ⓘ Non-Affiliate $200 in rewards (20K points) after $1K in purchases in first 3 billing cycles.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Back ⓘ Non-Affiliate $200 back after $1K spend in 3 monthsNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
0% APR ⓘ Non-Affiliate 0% introductory APR for the first 12 billing cycles on purchases and balance transfers after account is opened. After that, a variable rate will apply.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K points + 10K Tier Credits ⓘ Non-Affiliate 10K points + 10K Tier Credits after $1,500K spend in the first 3 billing cyclesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate Not currently accepting new applications.$89 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
25K points ⓘ Non-Affiliate 25K points after $1,500 spend in the first 3 billing cycles$69 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
10K miles 10K miles after $5K spend in first 3 billing cycles with promo code SPG2020$70 Annual Fee Note: Basic card earns 1 mile per $2 spent and has a $20 annual fee. To earn 1 mile per $1 spent, choose the "Premium" rewards for $70 annual fee. |
50K points ⓘ Non-Affiliate 50K points after $4K in 3 months$0 introductory annual fee for the first year, then $95 Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free) |
60K points ⓘ Non-Affiliate 60K after $4K spend in 3 months$395 Annual Fee |
None ⓘ Non-Affiliate This card no longer offers a welcome bonus.No Annual Fee |
40K Miles ⓘ Non-Affiliate 40K miles after $4K spend within 90 days of account opening$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate $0 introductory annual fee for the first year, then $95 Note that the card is only currently available with an M1 Plus membership (membership is free the first year, then $125 per year). The credit card's $95 annual fee is waived with an M1 Plus membership. Note also that the fine print says that the bonus will be paid out within 120 days of the end of the intro offer period. This means the welcome offer could be paid out as late as July 29, 2022. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$150 Cash Back ⓘ Non-Affiliate $150 in rewards (15K points) after $1000 in purchases in first 120 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K Points ⓘ Affiliate 50K points after $3K spend in 90 days$95 Annual Fee |
15K Points ⓘ Affiliate 15K points after $1,500 spend in 90 daysNo Annual Fee |
This card is currently not available to new applicants.$0 introductory annual fee for the first year, then $85 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
0% APR on balance transfers ⓘ Non-Affiliate 0% APR on balance transfers for first 12 billing cycles following account opening when balance is transferred within the first 90 days No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
3% back for 12 months ⓘ Non-Affiliate 3% cash back for 12 months on up to $20K in purchasesNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate There is currently no welcome bonus offered.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate NoneNo Annual Fee After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
35K miles ⓘ Non-Affiliate 35K after $3K spend in 90 days$95 Annual Fee Note that some have received a targeted email offer for 65K miles after $5K spend in 90 days. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Welcome Bonus ⓘ Non-Affiliate No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K Points ⓘ Non-Affiliate 40K after $3K spend in 90 days + 2.5k for adding an authorised user (up to 4)$99 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to $200 in statement credits ⓘ Non-Affiliate $100 credit with 5G phone offer and $100 statement credit after first purchase within 90 days of account opening. No Annual Fee |
No longer available in the US $0 introductory annual fee for the first year, then $95 |
25K points ⓘ Non-Affiliate 25K after $3K spend in first 6 billing cycles.$0 introductory annual fee for the first year, then $89 |
$200 Cash Back ⓘ Non-Affiliate $200 cashback after $1,000 spend within first 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Up to $750 Cash Back ⓘ Non-Affiliate $250 after $1,500 spend in 90 days, plus 5% cashback everywhere on up to $10K spend within the first 6 monthsNo Annual Fee |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offerNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$495 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offerNo Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$550 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
None (call to apply) ⓘ Non-Affiliate This card does not currently have a welcome offer$150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule. |
75K Points ⓘ Non-Affiliate 75K (worth $750 as a statement credit or deposit into eligible account) after $7500 spend in first 4 months$0 introductory annual fee for the first year, then $95 |
None This card is no longer available$0 introductory annual fee for the first year, then $55 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer available$0 introductory annual fee for the first year, then $49 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$250 cash back ⓘ Non-Affiliate $250 after $2K spend in 120 days$0 introductory annual fee for the first year, then $95 Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate None$85 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
75K points ⓘ Non-Affiliate 75K (worth $750 as a deposit into eligible account) after $10K spend in 120 days$195 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None ⓘ Non-Affiliate Currently no welcome offerNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account) after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K (worth $200 as a deposit into eligible account or towards travel) after $1K spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K after $2K spend in 120 days (Ended 9/9/24) |
60K points ⓘ Non-Affiliate 60K (worth $600 as a deposit into eligible account or towards travel) after $6K spend in 180 days$0 introductory annual fee for the first year, then $95 Note that only spend on the Account Owner's card (not including purchases made on employee cards) counts toward minimum spending requirements. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K miles 20K miles after first use.$0 introductory annual fee for the first year, then $75 US Bank may also approve you for their non-Signature Visa which comes with a 15K bonus and lesser benefits. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
40K miles ⓘ Non-Affiliate 40K miles after $4K spend in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K miles ⓘ Non-Affiliate 60K miles after $5K spend in 90 days$450 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
50K miles ⓘ Non-Affiliate 50K miles after $5K in 90 days$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$200 Cash Back ⓘ Non-Affiliate $200 back as a statement credit after $1000 spend in 90 daysNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$750 Cash Back ⓘ Non-Affiliate $750 cash back after $6000 spend on the account owner's card in first 150 daysNo Annual Fee Keep in mind that only spend on the Account Owner's card counts toward minimum spending requirements, spend on employee cards does not count. Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
none This card is no longer availableNo Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
20K points ⓘ Non-Affiliate 20K after $1,000 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$500 Cash Back ⓘ Non-Affiliate $500 after $5,000 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
$100 Cash Back ⓘ Non-Affiliate $100 after $500 spend in first 3 months.No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
60K points ⓘ Non-Affiliate 60K after $4,000 spend in first 3 months.$95 Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. |
None This card is no longer availableNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None This card is no longer availableNo Annual Fee |
None This card is no longer available.No Annual Fee |
$200 Cash Back ⓘ Non-Affiliate $200 after $500 spend in the first 3 monthsNo Annual Fee |
None This card is no longer availableNo Annual Fee |
$400 OneKeyCash ⓘ Non-Affiliate $400 OneKeyCash after $1K spend in first 3 monthsNo Annual Fee |
$600 OneKeyCash ⓘ Non-Affiliate $600 OneKeyCash after $3K spend in first 3 months$99 Annual Fee |
70K Points ⓘ Non-Affiliate 70K after $1K spend in first 3 monthsNo Annual Fee Alternate Offer: Choice members may be targeted for a higher offer |
100K Points ⓘ Non-Affiliate 100K after $3K spend in first 3 months$95 Annual Fee Alternate Offer: Choice members may be targeted for a higher offer |
None ⓘ Affiliate There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.No Annual Fee Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions. |
![](http://cdn.nextinsure.com/imaging/opt/47dd49f9-d80b-4251-aa8e-2fbf313e6402.jpg?w=300" alt="Delta SkyMiles® Reserve American Express Card" />)
![](http://cdn.nextinsure.com/imaging/opt/49ef3906-6ee7-4f77-a40b-74728901760e.jpg?w=300" alt="American Express® Business Gold Card" />)
![](http://cdn.nextinsure.com/imaging/opt/0fb236dd-aecb-49ed-9f28-94aaf0efd9a2.png?w=300" alt="Hilton Honors American Express Surpass® Card" />)
![](http://cdn.nextinsure.com/imaging/opt/a5e33401-8d6f-4ae8-b471-5da085075406.jpg?w=300" alt="The Hilton Honors American Express Business Card" />)
How to get it: Wait for a great offer for the United Explorer MileagePlus Card (e.g. wait for a 60K offer) and sign up. Next, wait until the 2nd year annual fee comes due, then call to product change to the United Gateway Card.
Chase Sapphire Reserve
The Chase Sapphire Reserve card in my opinion is the single best travel rewards card on the market. It offers excellent category bonuses (3X travel & dining), valuable rewards, and excellent travel protections. With the Sapphire Reserve card, Chase Ultimate Rewards points can be cashed out at 1.5 cents each via Chase’s Pay Yourself Back feature. or used to purchase travel at a rate of 1.5 cents per point, or transferred to airline and hotel partners for even more potential value. When you purchase travel with this card, you’re automatically protected in many ways (see: Ultra-Premium Credit Card Travel Insurance). At $550 per year, this card is far from cheap, but it offers $300 per year in automatic travel rebates which go a long way towards minimizing your net cost.
The standard offer for this card has long been 50,000 points after $4K spend in 3 months. That’s an excellent offer, but you can do even better by first signing up for the Chase Sapphire Preferred Card which has a slightly higher standard offer (60K points after $4K spend in 3 months).
How to get the better bonus: Sign up for the $95 Chase Sapphire Preferred Card, wait until the second year annual fee comes due, then call to request a product change to the Sapphire Reserve card.
Citi Double Cash
Citi’s fee-free Double Cash card was always worth considering since it offers 2% cash back on all spend. Now, however, it’s even more exciting: Cash rewards can now be converted to ThankYou Rewards points and used for much more value when paired with a Citi Premier or Citi Prestige card. See our Citi Double Cash Complete Guide to learn more.
The Double Cash card usually doesn’t have a signup bonus. So, a good alternative is to sign up for another consumer Citibank Mastercard that offers a nice signup bonus. Then, later, you can product change to the Double Cash card. Here are the current signup offers for several Citi cards worth considering:
Card Offer
How to get the better bonus: Sign up for one of the above cards, wait until the second year annual fee comes due, then call to request a product change to the Double Cash card. Note that in many cases Citi has rules that prevent you from obtaining a signup bonus for a card that is in the same product family as a card that you closed or earned the signup bonus within the past 24 months (48 months for the AA cards). When you product change from another card to the Citi Double Cash, you will most likely be assigned a new card number. As a result, Citi will count this as having closed the previous account and you’ll therefore have to wait longer to get a card within the same product family.
You are ineligible for the signup bonus
There are plenty of reasons that you may be ineligible for a signup bonus for a card you want. Amex presents the most obvious example thanks to their lifetime rules, but there are similar situations to be found due to various bank’s 24 month or 48 month rules against getting a signup bonus again…
American Express Cards
American Express has a tough “lifetime rule” on most of their welcome bonus offers. You are eligible for the welcome offer only if you’ve never had the same card before. One way around this is to sign up for a card in the same product family that you are eligible for. For example, suppose you want the Hilton Surpass card, but you’ve had it before. You could instead sign up for the Hilton Aspire or the fee-free Hilton card and then later product change to the Hilton Surpass. Amex will generally allow product changes within product families: change from one Hilton card to another, or from one Delta card to another, or from one Membership Rewards card to another. Limitations: you cannot product change from a consumer card to a business card or vice versa. You also cannot product change from a credit card to a charge card or vice versa.
How to get a new welcome bonus with an Amex card you’ve had before: Sign up for a card you’ve never had before which is in the same product family as the one you want. Wait until the second year annual fee comes due, then call to request a product change to the card you want.
Conclusion
Above are a number of situations where it can make sense to sign up for a card other than the one you really want. I presented a number of examples that occurred to me in the course of writing this post, but I don’t at all consider it to be a complete list. So, here’s a challenge to readers: who can come up with the best example that I didn’t present above? Please comment below.
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What about the Bonvoy Bold card? Couldn’t you hold this card for 12 months, and then product change to the Ritz card?
Is it possible to upgrade to the Ritz card just before 1 year so that a 50k night posts instead of a 35k night?
Do you mean the first year? Doubtful that you’ll be able to upgrade until a year has passed since opening the card because the provisions in the CARD act about not increasing fees during a consumer’s first year. And actually, as I recall, you may reset your anniversary date when you make that upgrade and thus won’t get a certificate until your anniversary comes around again. If I’m right about that, you would want to wait until after you get your 35k cert and then upgrade as soon as possible in order to not miss out on getting a certificate and reset your anniversary year to about the same date next year.
Yes, I meant the end of the first year. The moment the 35k cert posts, we (P2) will upgrade. Thanks Nick!
[…] to how you might be able to get a card that’s no longer open to new applicants. It turns out it may be as simple as signing up for a different card in the same family. For example, you can no longer apply for the American Express Bonvoy card; but if you apply for […]
Excellent and helpful article! Let us know when you think up more swaps!
Can you really PC from an AA card to a non-AA card? I was originally told it had to stay in the AA family.
Thanks! Yes, you can PC away from AA
I would add the US Bank Cash+ card to this list. Its $150 (sometimes $200) signup offer is not worth a hard pull in my opinion, but its ongoing 5% back on 2 categories you choose quarterly (up to $2000 per quarter for $100 cashback) is well worth making this a keeper card with no AF. 5% back on utilities is a phenomenal category option that earns me hundreds more each year than a next-best card would offer. I’d therefore recommend first applying for another US Bank card that you don’t plan to keep long term past the signup bonus, like the Altitude Reserve, and then product change to this before paying the annual fee in the 2nd year.
This sounds like a fascinating option. I had no idea there was a card that bonused home utilities. Are the categories stationary or do they change each quarter? If I was able to keep Utilities for one year, that category alone would yield over $270 CB. The others aren’t as strong, but could be useful if you had a large planned expense (like Furniture). I have no experience with US Bank so I don’t know their system and I don’t see too much on FM. Gregg–possible post on this option?
Their categories have remained fairly consistent for several years. I believe they removed a donations category and maybe another one at some point, but nothing drastic. For no annual fee, it should easily be a keeper for almost everyone. On occasions you have a big expense you know is coming you can change up to furniture, electronics stores, etc. Even better when Player 2 has the card, as you can cover more categories by choosing different options.
Thanks, Troy! I will definitey be putting this one of the list when I go over 5/24 again.
Good idea!
Also, Troy mentioned the charity bonus category. I would love a card for this as so many places are now offering CC donations with no added fees. Is there a card for this (or some better way of making charitable donations?).
I don’t think any cards bonus charities anymore unfortunately. US Bank used to have a few different options but they’ve stopped doing that altogether.
That said, if you have the Amex Blue Business Plus card with the Amex Offer for Spend $500 Get $25 (up to 10 times), that’s a great option for charitable giving.
Yes! I actually used that bonus (along with the 2500 bonus MR for spending over $2000) four times last month for charitable donations. Used the other six on a window pane replacement bill done in $500+ increments. Unrelated question: when I get subscription updates now, they include the email address but not in link (blue) form, which I means I have to cut and paste to reply. Is this an intentional change on FM’s part? I miss the link. Thanks, Greg.
Someone else reported that same issue last year (about comment emails not including clickable hyperlinks). We haven’t been able to reproduce the problem though so it’s hard to fix it! When I subscribe to comments, the emails include hyperlinks.
Sorry if this has been covered elsewhere (I can’t find the answer).
If I downgrade an AMEX card, thinking Hilton Surpass to the NF card, do the AMEX offers apply to the new card? Thanks.
Yes
Greg,
Can you speak to credit card strategy this year for Marriott if you’re starting out without any cards, want to get 30 elite nights for status, and still qualify for sign up bonuses? Is Amex business card and Amex Brilliant the only play? Does it matter which to apply for first?
Yes that’s the only play for two signup bonuses. No, order shouldn’t matter
Isn’t there still a Chase personal card you can apply for and get 15 nights instead of the Amex Brilliant? Ever since they changed everything a couple of years ago I can’t keep track.
Yep. Bonvoy Boundless or Bonvoy Bold.
https://frequentmiler.com/marriott-bonvoy-complete-guide/#creditcards
How can I get multiple Blue Business Amex cards? The $50000 limit is an issue for
Me
I haven’t tested this, but I believe you could apply for a second one especially if you use a different business. You won’t earn a welcome bonus for the 2nd one though.
Great article. A few additions:
thanks for the advise! this is awesome information especially marriott bonvoy amex card.
Great tips, thanks!
Very useful nugget about the Chase card…wish i had known that before I cancelled it.
With regards to Citi’s product change rules:
I am about ~8 months away from being eligible for another TYP sign up bonus with Citi so I am trying to be very careful about accidentally resetting the clock.
1. Yes
2. Yes
Looks like Chase no longer offers the no-fee United Mileage Plus. They now push you to the United “Gateway” card that doesn’t offer access to award space (as far as I can tell)
Actually, my understanding is that the Gateway card does offer enhanced award space. The card offer details specifically mention the last seat availability which has traditionally been the indicator that a car also offers enhanced economy saver awards:
Award Availability, Pricing, and Fees
Was just on the phone with a chase rep to downgrade my United explorer mileage plus and was using this article as my guide. When he wouldn’t allow me to downgrade to just the “united mileage plus” and was only offering the “united gateway mileage plus” I was scrambling to look into the details of that card to try to figure out if they allowed the enhanced award availability. After a few minutes I found this comment and made the switch. It would be great to update this article with that info if you get the chance. It seems like there are a few things that could be updated (you can’t get the freedom card via downgrade anymore, right?). Thank you for this info and all the hard work!
Great suggestion! I’ve updated this post and will re-publish it soon
[…] written before about signing up for cards you don’t want in order to get the cards you do. Product changing can be a valuable tool for your belt, whether in order to downgrade to a no-fee […]
I was considering downgrading the $95 United Explorer to the no-fee United mileage Plus. But since I’ve used up all my AAA free car towing for this year, I decided that the $95 card’s Roadside Assistance Plan was still worth the price.
Nice but I can’t get approved for any of these cards
For the ‘Card no longer available’ category, the Barclay AAdvantage Aviator Silver card with solid perks for the $199 annual fee is only available by upgrading the Barclay Aviator Red card that has a $99 annual fee. The Silver was never available to apply for on its own though so maybe it gets its own category.