Over the weekend I decided to launch a new round of credit card applications, however there was one major difference this time around: I didn’t get any Chase credit cards.

It’s well-known that Chase issues some of the most valuable travel credit cards on the market, which makes the 5/24 rule a major setback for anyone who is impacted by it. Due to the fact that I have been approved for more than five credit cards in the past 24 months I was over the limit Chase now allows.

I focused heavily on Chase cards in the past and it’s unfortunate to see Chase cards currently out of reach, but it still leaves me a lot of card options from American Express, Citi, U.S. Bank, and Bank of America.

All that said, I was targeted for the 70k offer on the United MileagePlus Explorer card and I decided to apply (even if I knew my chances were slim). I was also interested to see if it was possible to skirt around the 5/24 rule with targeted offers such as this one…

…it’s not, at least in my case. I was declined and calling Chase’s reconsideration line got me nowhere. I was given the “you have been approved for too many new accounts in the past 24 months…” explanation for why Chase would not approve me for a new card.

Apart from that I did have some other card options in mind, here’s what I applied for:

Gold Delta SkyMiles® Credit Card from American Express

Bonus: 50,000 bonus miles + $50 statement credit

Link: Gold Delta SkyMiles® Credit Card from American Express

I have never applied for the Amex Gold Delta SkyMiles® Credit Card and with the increased 50,000 mile + $50 statement credit sign-up bonus I decided now was likely a good time.

Although I don’t have a huge balance of Delta miles earning this bonus will be enough to top off my account for a one-way business flight to Europe or several one-way flights within the US. Overall I consider the 50,000 mile bonus to be worth ~$600+ which makes it quite a good offer.

Data point: I currently have three other American Express credit cards. Getting approved for two new cards will mean I will hit the new five Amex credit card limit.

Result: Approved!

Gold Delta SkyMiles® Business Credit Card from American Express

Bonus: 50,000 bonus miles + $50 statement credit

Link: Gold Delta SkyMiles® Business Credit Card from American Express

The sign-up bonus and benefits on the Amex Gold Delta SkyMiles® Business Credit Card are similar to the personal card listed above. Currently the increased sign-up offer is for 50,000 mile + $50 statement credit.

If figure if I get approved for both the personal and business version of this card I’ll earn a total of 100,000 Delta miles, which will overall give me more flexibility when it comes to redeeming miles for award flights.

Data point: I currently have three other American Express credit cards. Getting approved for two new cards will mean I will hit the new five Amex credit card limit.

Result: Pending.

Wyndham Rewards Visa Card

Bonus: 45,000 bonus points

Link: Wyndham Rewards Visa Card

The Barclaycard Wyndham Rewards Visa has always been a card that I’ve considered applying for, but given that I haven’t stayed at many Wyndham hotels looked over the card.

Recently the sign-up bonus on the card increased to 45,000 points, which is worth 3 nights at any Wyndham property. This figure I can get at least ~$200 per night in value, which makes the 45,000 points worth ~$600. This was enough to convince me to give it a try and check out some of Wyndham’s properties.

Data point: I currently only have one other Barclaycard open (the Barclaycard Arrival Plus MasterCard).

Result: Approved!

Barclaycard Arrival MasterCard

Bonus: 20,000 bonus miles

Link: Baclarycard Arrival MasterCard

Quick background info: In the past I’ve been successfully approved for two Barclaycard credit cards on the same day and my Barclaycard Travelocity Amex was recently converted to the Arrival MasterCard. I decided to close this account a few weeks ago and thought why not try to get approved for it again to earn the 20,000 mile sign-up bonus offered on the card.

My application went pending and upon calling into Barclaycard’s reconsideration line I was advised that I cannot get approved for the card since I already have the Barclaycard Arrival Plus MasterCard open (which counts as the ‘same product’). This means that it’s not possible to have, or at least get approved for, both versions of the Arrival card at the same time.

Data point: I closed my previous card approximately two weeks before reapplying.

Result: Denied.

Club Carlson Business Rewards Visa Card

Bonus: 85,000 bonus miles

Link: Club Carlson Business Rewards Visa Card

This is now the second Club Carlson Business Rewards Visa Card that I have been approved for. The card offers 85,000 bonus points after meeting the minimum spending requirement, which can go a long way (up to 9 nights) when redeemed at lower-tier Club Carlson properties. At mid to upper-tier properties you’ll only get 1-2 nights out of the bonus.

Both a personal and business version of the Club Carlson Visa are available and offer a similar sign-up bonus offers and perks such as automatic Gold elite status and 40,000 bonus points each year you renew the card. One thing to note is that the business card comes with a lower $60 annual fee (vs. $75 on the personal card) which can make it worth keeping considering the 40,000 point renewal bonus.

Data point: I closed my previous Club Carlson Visa card over 1 year before reapplying.

Result: Approved!

Starwood Preferred Guest® Credit Card from American Express
Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express
Bonus: 25,000 points after spending $3,000 in the first 3 months.

Benefits:
-- 2X Starpoints per dollar spent at SPG properties
-- 1X Starpoints per dollar spent on all other purchases.
-- No foreign transaction fee.
-- Free in-room internet & unlimited Boingo Wi-Fi.
-- 2 stay credits and 5 night credits towards elite status with Starwood each year.
-- Starwood Gold status when you spend $30,000 on the card annually.

Annual fee: $0 the first year, then $95

Quick review: Starpoints are incredibly valuable when redeemed for free nights and flexible since you can transfer them to numerous airline programs. When Starpoints are transferred to an airline program in increments of 20,000 points you get 5,000 extra miles. This means that for every dollar you spend on the card you are essentially earning 1.25 miles of the airline of your choice.

2 Comments

  • I’ve had the IHG card for more than 24 months. If I cancel that card, would I qualify for the 70,000 offer with a new IHG account?

    • Trudy, if you earned the sign-up bonus more than 24 months ago then you’ll qualify. Best of luck!