Reconsideration Phone
Personal Cards
800.935.9935
Business Cards
800.453.9719

Associated Point Systems

Breaking Points

February 13, 2024

Mini Points - February 2024

- IHG Mastercard, earn 165,000 points after spending $3000 in the first 3 months, $99 annual fee.

- Delta Platinum Amex Business, 100,000 points after spending $8000 in the first 6 months, $350 annual fee.

- Delta Gold Amex Business, 80,000 points after spending $6000 in the first 6 months, $0 annual fee, then $150 after first year.

- Delta Reserve Amex Business, 110,000 points after spending $12,000 in the first 6 months, $650 annual fee.

- Delta Platinum Amex, 90,000 points after spending $4000 in the first 6 months, $350 annual fee.

- Delta Gold Amex, 70,000 points after spending $3000 in the first 6 months, $150 annual fee.

- Delta Reserve Amex, 100,000 points after spending $6000 in the first 6 months, $650 annual fee.

January 29, 2024

Mini Points - January 2024

- Alaska Airlines Visa limited time offer of 70,000 miles + companion fare after spending $3000 in 3 months, $95 annual fee.

- Marriott Boundless - 5 FREE NIGHTS after spending $5000 in 3 months, $95 annual fee.

- United Business Card - 100,000 Bonus Miles after spending $5000 in 3 months, $95 annual fee.

January 19, 2024

Chase World of Hyatt Business Bonus

Chase World of Hyatt Business Visa is having an awesome deal right now. Get 60,000 Points after spending $5000 in 3 months and an additional 15,000 Points after spending $12,000 in the first 6 months. Offer ends 3/6/24 and the annual fee is $199.

November 22, 2023

IHG Limited Time Offer Expires 12/4/23

Awesome Limited Time offer on the IHG Premier card. Get 175,000 Bonus Points after spending $8000 in 6 months. 100,000 Points after spending $3000 in 3 months and another 75,000 Bonus Points after spending $8000 total in the first 6 months of opening the account.
Hurry up - Deal ends December 4, 2023!!!

Bank

JP Morgan Chase

Visit JP Morgan Chase

The Highlights

Overall, Chase Bank and Chase Ultimate Rewards are our favorites in this hobby. That’s why we suggest moving your banking to Chase, as it will help with future approvals (especially on business). The good news is Chase often offers bonuses to open new accounts. The offers range from $150 to $1,000 per account. Just Google “Chase open bank account offers” and go through the top 10 links to find the best current offer.

Chase is the originator of the 5/24 rule, which means we generally recommend starting with Chase and Capital One -- then moving on to Amex, Citi and Barclay, who have less stringent approval rules. Here’s a crucial thing to note: Chase business cards don’t show up on your personal credit report, and therefore do not count towards the 5/24 rule.

Chase is a conservative and smart lender. That means you’ll need decent credit to be accepted, and you might have to call the reconsideration line if you’re initially declined. Having your bank accounts with them -- along with a clear reason you want the card, other than a bonus -- will go a long way. Barring a rule violation (listed below), we see about 65% of original declines approved on a reconsideration call.

When points appear

With receipt of statement after meeting minimum spend

Application Rules

5/24

Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months

Chase 2/30

You'll be declined if you apply for a third Chase card of any kind within 30 days

Chase 4/6

Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months

What to Know Before Canceling

You may want consider downgrading to maintain relationship and credit history to a no/low annual fee card in the same family (e.g Freedom Unlimited) This is not always a viable option on partner cards such as Hyatt or Bonvoy.