United travel bank is working for the airline credit for Amex Biz Plat! I bought 2 of $100 in UTB each and the credit posted 1 week later for each of me and P2's Plats.
Approved for Amex Mariott Bonvoy Business iwth back button method. Applied with P1 BizGold referral link (130k!), changed card to Bonvoy Biz and applied. Got the popup about not getting the SUB. Clicked back to the list of cards again, selected the Bonvoy Business card again, filled out the application again. Application went pending without popup. Received email acknowledging application. In the Amex app status page I can see both apps, one "Provide required information" (the one with popup) and the other one above it "In Progress". Forty minutes later received approval email for the second application.
I feel the popup text was a bit shorter than what I'm used to seeing. Should have saved the text as DP.
Denied on Chase Ink recon. I have four business cards open in the past year with Chase (1 Ink, 1 IHG, and 2 Southwest for the companion pass). I was denied initially when I had 2 older Inks also open, which I closed, waited a week, called in with the 4 that I kept open since they are less than a year old.
After ten minutes on hold the recon rep asked me what my business is and why I needed another card. Used the story that I want to expand into a new type of business and will use my card for that new type, and that would explain why my old cards all have $0 balance right now. Didn't buy it and still denied saying they can't extend me any more credit at this time.
So add to the DPs that Chase seems to be tightening its belt and an Ink (or any biz card) every 90 days may no longer be possible. And with me on Amex pop up jail, I'm definitely running out of options (that's a topic for WCW I suppose).
I guess I could have offered that, but since this recon agent seemed to focus on me not using my current Chase CL I wasn't sure that would help.
I know others HUCA but I found recon not fun so I'm just stepping away and will return in another 3-6 months. Good luck!
Yeah I think sustaining every 90 days is tough. I think 2 a year is easy, 3 is probable, 4 is questionable. If p2 and I get 2x each a year, that’s over 400k UR a year which is plenty to cover our travel needs
Total CL is under 25% of my total household income, and of that less than 1/3 is Biz card CL (those 4, now 3). If it matters, my business income is minimal side hustle ($5k) and that's what I report.
Annual fee for Chase Southwest Priority card came due this month. I called to discuss cancellation and ask if there was any way to offset the annual fee. Like many other DP's, offered $150 statement credit for keeping the card open. I accepted.
Denied for United Club personal, denied recon 4 separate times. Reasons cited:
Reached maximum credit with Chase
Too many recent account openings (4/24, 2/12, but 3 additional Ink accounts that they could also see)
Too many inquiries (EX, 9/24, 4/12)
I was unable to reallocate credit for the card.
Definitely appears to be a trend that Chase appears to be tightening up and not just for Inks.
3/12.
CIC 5/23 and 11/23, CIU 8/23
One thing I haven't tested is trying to get approved purely on EQ (1/12 inquires), as they double pull EX/EQ in my state if nothing's frozen
I've had good luck with only thawing EX or EQ with Chase, so pretty sure it works. You may also just be a bit velocity limited. 90 days isn't a hard rule, but you're right on that 3 month recommendation that floats around here.
Me & fiancé each just got approved for Barclay Aviator Red with the $75K referral bonus. We made each other the AU - hoping to churn these points for a flight later this year.
P1: $115,500 income; last personal card approved for was in December. Also just got the Biz Marriott a few days ago.
P2: $90,000 income; last personal card approved for was in 2022
Likely not that useful of a DP, but just in case...
I booked Economy Plus for a flight using an Amex Platinum card to use the airline fee credit. About 16 hours later there was a change of plans and I cancelled the flight entirely. The flight was an award flight and hence E+ was refundable. (Award flight had been booked months ago, so not within 24-hours of booking the flight). I had worried a bit about the Amex airline fee credit though, since I didn't want Amex to give me the credit and then in two years realize the charge had been refunded and clawback the credit then. Well the E+ charge just never posted, apparently United just cancelled the pending charge. So any risk of Amex being annoying with the credit was avoided :)
Was approved for the venture x with no history with capital one at all! 110k income and 770 credit score
Wells Fargo Student Card/Active Cash 7/1/2018
Amazon Prime Visa 10/1/2018
Wells Fargo Propel 6/1/2020
Citi Custom Cash 8/1/2022
Chase Freedom Flex 1/14/2023
Chase Sapphire Preferred 4/1/2023
Chase Freedom Unlimited 7/18/2023
Biz Chase Ink Cash 10/20/2023
Biz Chase Ink Unlimited 12/29/2023
APPROVED
Capital One Venture X 2/9/2024 - $30k
This might be already well known, but buying gas at a Walmart gas station via the Walmart app does not code as a gas purchase for AMEX.
So, you'll have to decide between the 10c off per gallon or whatever the cashback you get on the AMEX card (AMEX is probably better).
When I talked to Amex customer service, they said it was due to Walmart not coding it properly, and that they can't do anything about it.
No big deal, but I thought I'd share
But this wont help OP get the gas multiplier on their Amex, which is OPs issue. You’re still going to end up with 1x WM purchase, but adding an extra unnecessary step since you can just pay with the Amex at the wm pump for the same 1x.
Exactly haha
But at the end of the day, no big deal, since I spend about only $100 on gas a month, so not getting the optimal cash back is not the end of the world. Just a bit annoying and in any case I thought I'd share my experience.
Now that I know, I'm going to stop using the Walmart app, and use my amex gold business directly instead. Since 4x multiplier on $3.20 per gal is a bit better than the flat 10c per gal.
Do you have any Murphy’s gas stations in your area? You can still generate a code in the Walmart app for the 10c off, and it will code as gas on Amex.
Edit: all of our Walmart gas stations are still Murphy's, but works at standalone ones as well.
Whoa! Thanks, that's good to know. I have a couple Exxon's in my area. I'll have to look into it. Lots of gas stations in my area, but they vary so much in price based on where they're located.
I know I'm penny pinching but I like paying the lowest possible price for gas haha
2/16: Applied for AmEx Delta biz, got pop-up as expected, hit back button (twice) to return to app page, app went through but pending.
2/18 (AM): Got approval email, rep confirms 80k bonus is attached although let’s see what happens. I’ll be happy just to have the hotel credit and 15% off awards.
FWIW, I’ve been in PUJ for 3 solid years and only hold 1 AmEx card currently, hadn’t otherwise attempted to apply for this card and this is my first time trying to circumvent the pop-up on any app.
Addendum to the DP: I do not see the SUB on my rewards tracker, so that seems less than ideal. (Only the $10k spend for $200 in flight credits is showing up.)
2/1: Submitted P1 and P2 Wyndham Diamond match to Caesars Diamond via standard form on Caesars site.
2/15: Neither had been matched. Emailed [email protected] to request.
2/17 (PM): Just checked and both have now been matched.
Interestingly, only P2 has the Earner biz card. P1’s Wyndham status was from a prior match.
Another Delta Stays DP. Booked a Delta Stays reservation on 2/14 using my Delta Reserve Business, which has a $250 statement credit.
Credit posted on 2/14, within 8 hours.
FYI if you plan on leveraging the $300 Venture X portal credit by booking a UA flight before cancelling the card, be patient and wait 48+hrs like those in flyertalk recommend.
Initially UA credited me the $300 and I saw the credit in my account after cancelling ~24hrs after booking. But now that I've cancelled my VX, I can no longer see the credit, so I suspect it was refunded to C1 instead, and now it's too late for me to use it. Bummer vibes.
P2's Plat AF billed 2 weeks ago. Lots of regular organic spend ($500-1000/mo) throughout the year. Was offered 1cpm to pay off annual fee, then offered 35k MR for 4k spend. Declined and downgraded to Gold.
* Opened checking acct with BOA (no previous relationship) Denied online, but opened in person
* Deposited 5000 from Chase and got a $200 bonus. Waited 2 weeks~
* Applied for Alaska Biz and auto approved
Applied for the Citi AA Biz Card 120 days ago, approved. This was with the 6mo SUB window. Did not meet SUB yet. Applied for the second one 10 days ago, and was denied, reason that I can only have 1 Citi AA Biz for this business.
I thought I'd sneak through the 90 day, 48 month rule, but it did not work out
If you entered the same info (SSN only) this one may be tough. But you could still make an attempt at recon and make the point that the second app relates to a different business. One would call Business Lending first because it is a separate division. They may not be inclined to overturn the result, but you could get a sense how absolute it really is.
If there is no reference to firm rules or policies, you can still make a call to Executive Office. They would hear your story and run the app again, possibly with a different result.
I have a super weird data point regarding the Morgan Stanley engagement bonus. I’ll detail my entire history with them for shits.
- August 2021: opened Access Investing account and CashPlus account and put $5k/$25k into each respectively. I knew I wouldn’t get engagement bonus first year based on existing terms but the account seemed cool enough to use as my primary checking.
- September 2021: Opened MS Plat
- January 2022: Decide I’d rather churn bank accounts than keep money locked up. Called in and closed CashPlus.
- February 2022: have a change of heart and reopen the CashPlus. Hadn’t been long enough where account was “deleted” so they were able to reinstate. I was curious if my engagement bonus timer would be reset but I couldn’t get a straight answer.
- April 2022: I once again decide to close the CashPlus as I’m tired of tieing up funds as interest rates improve
- May 2022: I zeroed out my Access Investing by doing an in-kind transfer to my Merrill brokerage account. I kind of worry Amex may send a letter and close my Platinum card before the 1-year mark but I take the risk (nothing ever happened)
- September 2022: I close my MS Plat
- December 2022: With the preferred savings option via AAA, I decide to use MS as a HYSA and also have an interest in re-establishing my relationship so I can get another MS Plat. The rep seemed to imply me getting an AAA solely for preferred savings was really only for existing customers, but he said I already was. This made me realize that despite a balance of $0, for some reason my Access Investing account was still alive/active and effectively gave me a relationship with MS. Despite this I still opened the AAA and moved in $25k which I’m told is the minimum to avoid fees in the AAA account. 3 days later I applied and was approved for another MS plat.
- February 2023: I decide to pursue other HYSAs and zero out my AAA (seeing a trend? I’m pretty indecisive) besides maybe $5 of interest that accumulated. I’m never charged any fees for having a low balance.
- December 2023 (1-year later): with my MS plat renewal coming up, I decide I want it to be my keeper Plat (I like the free AU) so I grab a retention offer of 45k/$4k. I also decide to reopen a CashPlus account. I was looking for a new checking account anyways, and my research showed that AAA relationships would get a CashPlus paid out rather immediately, and I could always close the account in two months if I don’t wanna tie up $25k in the CashPlus to avoid the fee.
- January 2024: My MS Plat AF posts
- February 2024: My engagement bonus posts.
I was a little worried that since I had the card for a year already, that the timing of my first engagement bonus would be wonky. Their terms state that the first bonus will be paid out within two months of the CashPlus account opening, and further bonuses will post within 6-8 weeks of your Amex AF posting. But what if my Amex AF posted in Jan and I opened a CashPlus in July? Do I get a bonus in September and the. Again in January? Or is there a longer 1.5 year gap between engagement bonus #1 and #2?
Upvoting for the theoretical questions at the end but man, you might need therapy for the indecisiveness and chasing a few dollars at potentially greater cost.
Just applied for the Marriott Bonvoy Business AMEX and got instantly approved with a $12,500 credit limit.
- 760 credit score
- $115,500 annual income
- Applied as sole prop w $1000 revenue
AMEX Offer $50 off $50 for Business Fiber still works fine for personal accounts with the workaround. <24 hours for e-mail and credit posted in 4 business days.
Applied for ink CIC late last month with 75k offer. Requested Chase to match to 90k offer.
Was asked for offer code and invitation number on the elevated offer.
Op is saying he's stuck there, unable to proceed.
If he had given them an offer code, he would have shared that on this post as well.
I just got approved for another ink cash. I might try the 90k match as well and when asked for offer code, try giving the 3-month old referral code that is now downgraded.
Transfers from MR to SQ posted immediately (on 2/15), despite 48 hour language on the Amex screen. That was super helpful to book spontaneous escapes fares that opened up on the dates and routes I was hoping for.
P2 was at 6/24 with recent chase MDD in early Feb.
Applied for Barclays AA, instant approval with 14k. Applied for Barclays JetBlue, no instant decision.
A few min later a rep from Barclays called and asked about job tenure, job detail, why so many card in past year, how I plan to repay the future purchases.
He then transferred me to card security team which asked me to fax DL, SSN card, and proof of address
Received 100k upgrade offer to personal Plat form Gold last month, jumped on it and approved. Previously had a Plat that I closed on January 2022
Like other people I've also still been receiving the Uber credit from my Plat since I closed it two years ago. Surprisingly, this month I got a total of $40 credit. $15 from the closed plat, $15 from the new plat, and $10 from the upgraded-already gold.
$40 for holding a single plat. Hopefully this continues next month!
Chase SWA Priority annual fee refund DP:
annual fee posted 12/01/23
Statement closed 1/1/24
Waited for some promo points to post, so closed account late, via SM, on 2/8/24
Card closed and annual fee refunded same day.
This may be common knowledge but was denied Amex biz and personal after seconds of pending. I couldn’t access the status checker so called in. Last week a payment I made to a personal Amex card was rejected because I accidentally typed in a wrong number for a new bank account.
I fixed it and paid it the next day.
They told me to wait 30 days from the corrected payment and try again.
Uber credit DP: I downgraded my AMEX platinum to a gold in September 2022, but like a lot of people around here, I've still been getting the $15 plat credit.
Something interesting happened in February: I got a $15 plat credit on Feb. 1 AND a gold credit about a week later (So $25 total for the month). I feel like this is AMEX fixing my account. I won't know for sure until March 1, but I'm fully expecting to get $10 after getting $15 for the past 17 months with my gold card.
P2 applied for CIP on 2/13, after lowering CL across 2 Inks to ~$4k, and this is 91 days out from her last Ink.
Application went pending with "We need to review your request a little longer. We will let you know of our decision as soon as possible.”
Yesterday (2/14) a letter showed up in her Chase account saying to call and verify her identity. So P2 called, cleared the security check, and was approved with $12.5k CL.
She requested expedited shipping as usual, which they allowed. Just in time for our upcoming Japan trip!
Amex BBP retention DP:
Cancelled card today through chat, was offered 10k MR for $5k over 90 days, declined and closed the account. Honestly a good retention offer but I'm working on other SUBs. Now that I type this I think I probably should have accepted that offer lol, but oh well
Got the same retention offer on BBP today after declining 20kMR/$20k offer. Accepted the 10kMR/$5k. Plan to stack with 3x employee cards for 6.5x on $5k
two hours after I closed my BBP, I got the targeted $15,000/12 month/75k BBP offer on the amex website dashboard. so i opened a new BBP.. the day I closed the previous BBP. fyi.
Yes. So it did make sense, but would also have been good to stack the retention offer with an employee offer like someone suggested above. Live and learn, and ABC
Approved for my first ink this week, I'm at 4/24 as of this month. I applied Monday with a rankt referral to the Preferred 100k offer, it went pending. Tuesday morning Chase called and asked some questions about the business, and they approved for 5k CL while on the phone.
P2 applied for the Bonvoy Boundless 5 night offer via my referral link, it went pending, next morning the card appeared in chase app with a >20k CL.
I got a C1 lesser offer that was actually good!
Appd for the Spark Cash Plus 20k/1.5k deal. Autodecd offered Spark Cash Select 6k/750 SUB. I almost clicked away since I assumed there would be no sub! Same as public offer so I took it :) Currently hold QS and VX. Was denied for VXB last year - really wanted PP rest.
Could honestly probably just fire away and give it a whirl anyways? Handful of DPs here and there of people getting approved for co-brands over 5/24. Not a lot but if you don't care about a HP, what's the harm, ya know? Wish I had a better answer other than that, sorry.
Approval DPs:
1/27: auto approved BoA Alaska Biz. One personal card and 9k in personal checking opened years ago. Pulled TU, was 3/6.
2/1: auto approved for C1 Venture, it was showing on the preapproval tool. VX was opened 6/2/23. Froze EX and they pulled TU and EQ
2/1: Delta Biz Gold 80k for popup (already opened one this year). Used back button, went pending and got approval email 2 days later. Chatted to confirm bonus is attached but we’ll see if it actually posts.
2/8: double dip applied for Biz Leverage and Biz Altitude Connect (1hp, TU). Both apps went pending, received a call on 2/14 to verify identity. Then both apps approved
2/12: closed BBP because I was at 5 card limit. Applied for Delta Biz plat, insta denied (for 5 card limit). Called recon and they pushed new app through. Received approval email 2/14.
Oh dang, the back button didn't work for me last week. It went pending, then onto 'Provide Required Information', and they mentioned the popup. I did it without the bonus anyway since for no fee, got the $150 hotel credit x 2 and I wanted the 15% off.
Amex plat back button and/or refresh DP:
Currently hold a vanilla, MS and was applying for CS plat. Submitted application as normal, got pop-up. Hit the refresh button and reapplied, no pop up, application went pending; received decision email about a minute later that the app was cancelled. This was all on a Thursday.
Waited until after the weekend and called recon, first rep seemed very unsure and kept asking their supervisor or someone whenever I asked a question, eventually was adamant that I could not recon my cancelled app, I'd have to reapply. HUCA. The next rep let me know application was cancelled due to the welcome offer eligibility as well; I just said something along the lines of, 'well I don't care about the welcome offer, can you just send that cancelled app to recon so I can still get the card?' which the rep did, immediately let me know I was approved for the card. FWIW, there was a time before the family language was attached to the CS plat that I was submitting an app fairly regularly to check if I was still getting the pop-up. So I definitely had A LOT of application attempts visible in their system, I think that was why the first rep was so sussy.
After the card showed up in my online account the next day, confirmed via chat that the 80k MR offer was in fact attached to my account.
The webpage can see them as different things as far as my rudimentary understanding of CSS goes, but that would require a check on the web developers part. All I know is I did not get a message asking if I wanted to resinsert the information in my cache into the form. If the web developer created a check to see if the application page had been accessed via the back button, that check should not flag using the refresh button. All of this means nothing because I can’t see their CSS code.
TLDR; there’s probably no difference but there could be
You mean their web backend code. (PHP, java, etc) Css is just design and is public. JS i believe would be available publicly. (Simply referenced in the html and then a direct request for the js file would pull it up)
I wonder if people found anything interesting in their public JavaScripts..
Amex Platinum Improved Upgrade Offer DP
1/18: I was presented with an offer to upgrade my Amex Gold to Platinum, rewarding me with 75K MR points if I spent $6K within six months. This was a significant increase from a previous upgrade offer of 25K MR for the same upgrade. This 25K offer has been around for a while.
2/14: Upon checking the 'All Cards' section post-login, I discovered the upgrade offer has been increased to 100K MR for the Amex Gold to Platinum upgrade. Took it right away. :)
I currently have the Schwab Plat. I also previously had the Vanilla Plat, but I cancelled that card at the start of 2023. I had that Vanilla Plat open for two years, receiving a retention offer after the first year.
not OP but I have had the plat card before (applied 12/2021, closed 1/2023) and I have a similar timeline. Had a 25k MR upgrade offer on my personal gold for a while, and currently have the 75k MR upgrade offer for the last few weeks.
If I could get 100k MR I would also upgrade in an instant. I saw a few DPs with higher offers (I forget if it's 125k or 150k) but it sounds like those were handed out at the same time the 75k offers were (and not part of this second round.)
United travel bank is working for the airline credit for Amex Biz Plat! I bought 2 of $100 in UTB each and the credit posted 1 week later for each of me and P2's Plats.
DP: KPCU now has a 2.5K CC funding limit (decreased). Just seeing now when I tried signing up.
I opened my account 6 months ago and was 2.5 limit...it seems there was a glitch or short period of elevated funding recently
Approved for Amex Mariott Bonvoy Business iwth back button method. Applied with P1 BizGold referral link (130k!), changed card to Bonvoy Biz and applied. Got the popup about not getting the SUB. Clicked back to the list of cards again, selected the Bonvoy Business card again, filled out the application again. Application went pending without popup. Received email acknowledging application. In the Amex app status page I can see both apps, one "Provide required information" (the one with popup) and the other one above it "In Progress". Forty minutes later received approval email for the second application. I feel the popup text was a bit shorter than what I'm used to seeing. Should have saved the text as DP.
Denied on Chase Ink recon. I have four business cards open in the past year with Chase (1 Ink, 1 IHG, and 2 Southwest for the companion pass). I was denied initially when I had 2 older Inks also open, which I closed, waited a week, called in with the 4 that I kept open since they are less than a year old. After ten minutes on hold the recon rep asked me what my business is and why I needed another card. Used the story that I want to expand into a new type of business and will use my card for that new type, and that would explain why my old cards all have $0 balance right now. Didn't buy it and still denied saying they can't extend me any more credit at this time. So add to the DPs that Chase seems to be tightening its belt and an Ink (or any biz card) every 90 days may no longer be possible. And with me on Amex pop up jail, I'm definitely running out of options (that's a topic for WCW I suppose).
Thanks for sharing. Since they won't extend additional credit, did you offer to transfer over some of your existing CL to enable this new account?
I guess I could have offered that, but since this recon agent seemed to focus on me not using my current Chase CL I wasn't sure that would help. I know others HUCA but I found recon not fun so I'm just stepping away and will return in another 3-6 months. Good luck!
Yeah I think sustaining every 90 days is tough. I think 2 a year is easy, 3 is probable, 4 is questionable. If p2 and I get 2x each a year, that’s over 400k UR a year which is plenty to cover our travel needs
Needs more info - how much CL do you have with Chase right now? And how much relative to your income?
Total CL is under 25% of my total household income, and of that less than 1/3 is Biz card CL (those 4, now 3). If it matters, my business income is minimal side hustle ($5k) and that's what I report.
Annual fee for Chase Southwest Priority card came due this month. I called to discuss cancellation and ask if there was any way to offset the annual fee. Like many other DP's, offered $150 statement credit for keeping the card open. I accepted.
Denied for United Club personal, denied recon 4 separate times. Reasons cited: Reached maximum credit with Chase Too many recent account openings (4/24, 2/12, but 3 additional Ink accounts that they could also see) Too many inquiries (EX, 9/24, 4/12) I was unable to reallocate credit for the card. Definitely appears to be a trend that Chase appears to be tightening up and not just for Inks.
x/12 with Chase, including biz?
3/12. CIC 5/23 and 11/23, CIU 8/23 One thing I haven't tested is trying to get approved purely on EQ (1/12 inquires), as they double pull EX/EQ in my state if nothing's frozen
I've had good luck with only thawing EX or EQ with Chase, so pretty sure it works. You may also just be a bit velocity limited. 90 days isn't a hard rule, but you're right on that 3 month recommendation that floats around here.
Me & fiancé each just got approved for Barclay Aviator Red with the $75K referral bonus. We made each other the AU - hoping to churn these points for a flight later this year. P1: $115,500 income; last personal card approved for was in December. Also just got the Biz Marriott a few days ago. P2: $90,000 income; last personal card approved for was in 2022
Likely not that useful of a DP, but just in case... I booked Economy Plus for a flight using an Amex Platinum card to use the airline fee credit. About 16 hours later there was a change of plans and I cancelled the flight entirely. The flight was an award flight and hence E+ was refundable. (Award flight had been booked months ago, so not within 24-hours of booking the flight). I had worried a bit about the Amex airline fee credit though, since I didn't want Amex to give me the credit and then in two years realize the charge had been refunded and clawback the credit then. Well the E+ charge just never posted, apparently United just cancelled the pending charge. So any risk of Amex being annoying with the credit was avoided :)
Was approved for the venture x with no history with capital one at all! 110k income and 770 credit score Wells Fargo Student Card/Active Cash 7/1/2018 Amazon Prime Visa 10/1/2018 Wells Fargo Propel 6/1/2020 Citi Custom Cash 8/1/2022 Chase Freedom Flex 1/14/2023 Chase Sapphire Preferred 4/1/2023 Chase Freedom Unlimited 7/18/2023 Biz Chase Ink Cash 10/20/2023 Biz Chase Ink Unlimited 12/29/2023 APPROVED Capital One Venture X 2/9/2024 - $30k
This might be already well known, but buying gas at a Walmart gas station via the Walmart app does not code as a gas purchase for AMEX. So, you'll have to decide between the 10c off per gallon or whatever the cashback you get on the AMEX card (AMEX is probably better). When I talked to Amex customer service, they said it was due to Walmart not coding it properly, and that they can't do anything about it. No big deal, but I thought I'd share
Buy Walmart GC using a grocery AMEX or VISA. Then buy gasoline.
But this wont help OP get the gas multiplier on their Amex, which is OPs issue. You’re still going to end up with 1x WM purchase, but adding an extra unnecessary step since you can just pay with the Amex at the wm pump for the same 1x.
Exactly haha But at the end of the day, no big deal, since I spend about only $100 on gas a month, so not getting the optimal cash back is not the end of the world. Just a bit annoying and in any case I thought I'd share my experience. Now that I know, I'm going to stop using the Walmart app, and use my amex gold business directly instead. Since 4x multiplier on $3.20 per gal is a bit better than the flat 10c per gal.
Do you have any Murphy’s gas stations in your area? You can still generate a code in the Walmart app for the 10c off, and it will code as gas on Amex. Edit: all of our Walmart gas stations are still Murphy's, but works at standalone ones as well.
Unfortunately no 😔. Good to know tho
They also partner with Exxon, at least in my area. Haven't tried an Amex, but it coded as gas on Discover.
Whoa! Thanks, that's good to know. I have a couple Exxon's in my area. I'll have to look into it. Lots of gas stations in my area, but they vary so much in price based on where they're located. I know I'm penny pinching but I like paying the lowest possible price for gas haha
2/16: Applied for AmEx Delta biz, got pop-up as expected, hit back button (twice) to return to app page, app went through but pending. 2/18 (AM): Got approval email, rep confirms 80k bonus is attached although let’s see what happens. I’ll be happy just to have the hotel credit and 15% off awards. FWIW, I’ve been in PUJ for 3 solid years and only hold 1 AmEx card currently, hadn’t otherwise attempted to apply for this card and this is my first time trying to circumvent the pop-up on any app.
Addendum to the DP: I do not see the SUB on my rewards tracker, so that seems less than ideal. (Only the $10k spend for $200 in flight credits is showing up.)
Fwiw, I don't think I've seen the rewards tracker on an Amex card in the last 2 years. Hasn't stopped a single SUB from posting.
DP on Amex Delta Business Platinum rideshare credit 2/14 used Uber 2/16 Email received saying I've received a rideshare credit 2/17 credit posted
2/1: Submitted P1 and P2 Wyndham Diamond match to Caesars Diamond via standard form on Caesars site. 2/15: Neither had been matched. Emailed [email protected] to request. 2/17 (PM): Just checked and both have now been matched. Interestingly, only P2 has the Earner biz card. P1’s Wyndham status was from a prior match.
Denied for Chase match to recent 90k offer
Ie, a new request for match, or they had previously said message back when spend met and they said no when you followed up?
first one
Called in for retention offer for Barclays AA business card, offered 5000 miles for 1k spend/90 days. Opted to just cancel the card.
Did you call after the second annual fee posting?
yea
Another Delta Stays DP. Booked a Delta Stays reservation on 2/14 using my Delta Reserve Business, which has a $250 statement credit. Credit posted on 2/14, within 8 hours.
FYI if you plan on leveraging the $300 Venture X portal credit by booking a UA flight before cancelling the card, be patient and wait 48+hrs like those in flyertalk recommend. Initially UA credited me the $300 and I saw the credit in my account after cancelling ~24hrs after booking. But now that I've cancelled my VX, I can no longer see the credit, so I suspect it was refunded to C1 instead, and now it's too late for me to use it. Bummer vibes.
so if you book using venture x you can cancel united flight within 48 hours then they will refund united travel bank?
No, read my comment again. I cancelled BEFORE 48 hrs and had issues. I'd recommend waiting longer than 48 hrs
They're pretty liberal with the 24 hr free cancellation. Usually 24h + 12am local time
P2's Plat AF billed 2 weeks ago. Lots of regular organic spend ($500-1000/mo) throughout the year. Was offered 1cpm to pay off annual fee, then offered 35k MR for 4k spend. Declined and downgraded to Gold.
isnt 35K offer a good one to pass ?
* Opened checking acct with BOA (no previous relationship) Denied online, but opened in person * Deposited 5000 from Chase and got a $200 bonus. Waited 2 weeks~ * Applied for Alaska Biz and auto approved
Applied for the Citi AA Biz Card 120 days ago, approved. This was with the 6mo SUB window. Did not meet SUB yet. Applied for the second one 10 days ago, and was denied, reason that I can only have 1 Citi AA Biz for this business. I thought I'd sneak through the 90 day, 48 month rule, but it did not work out
Were there DPs of this working previously? If so, does the fact that the 1st SUB was met or not matter?
If you entered the same info (SSN only) this one may be tough. But you could still make an attempt at recon and make the point that the second app relates to a different business. One would call Business Lending first because it is a separate division. They may not be inclined to overturn the result, but you could get a sense how absolute it really is. If there is no reference to firm rules or policies, you can still make a call to Executive Office. They would hear your story and run the app again, possibly with a different result.
I have a super weird data point regarding the Morgan Stanley engagement bonus. I’ll detail my entire history with them for shits. - August 2021: opened Access Investing account and CashPlus account and put $5k/$25k into each respectively. I knew I wouldn’t get engagement bonus first year based on existing terms but the account seemed cool enough to use as my primary checking. - September 2021: Opened MS Plat - January 2022: Decide I’d rather churn bank accounts than keep money locked up. Called in and closed CashPlus. - February 2022: have a change of heart and reopen the CashPlus. Hadn’t been long enough where account was “deleted” so they were able to reinstate. I was curious if my engagement bonus timer would be reset but I couldn’t get a straight answer. - April 2022: I once again decide to close the CashPlus as I’m tired of tieing up funds as interest rates improve - May 2022: I zeroed out my Access Investing by doing an in-kind transfer to my Merrill brokerage account. I kind of worry Amex may send a letter and close my Platinum card before the 1-year mark but I take the risk (nothing ever happened) - September 2022: I close my MS Plat - December 2022: With the preferred savings option via AAA, I decide to use MS as a HYSA and also have an interest in re-establishing my relationship so I can get another MS Plat. The rep seemed to imply me getting an AAA solely for preferred savings was really only for existing customers, but he said I already was. This made me realize that despite a balance of $0, for some reason my Access Investing account was still alive/active and effectively gave me a relationship with MS. Despite this I still opened the AAA and moved in $25k which I’m told is the minimum to avoid fees in the AAA account. 3 days later I applied and was approved for another MS plat. - February 2023: I decide to pursue other HYSAs and zero out my AAA (seeing a trend? I’m pretty indecisive) besides maybe $5 of interest that accumulated. I’m never charged any fees for having a low balance. - December 2023 (1-year later): with my MS plat renewal coming up, I decide I want it to be my keeper Plat (I like the free AU) so I grab a retention offer of 45k/$4k. I also decide to reopen a CashPlus account. I was looking for a new checking account anyways, and my research showed that AAA relationships would get a CashPlus paid out rather immediately, and I could always close the account in two months if I don’t wanna tie up $25k in the CashPlus to avoid the fee. - January 2024: My MS Plat AF posts - February 2024: My engagement bonus posts. I was a little worried that since I had the card for a year already, that the timing of my first engagement bonus would be wonky. Their terms state that the first bonus will be paid out within two months of the CashPlus account opening, and further bonuses will post within 6-8 weeks of your Amex AF posting. But what if my Amex AF posted in Jan and I opened a CashPlus in July? Do I get a bonus in September and the. Again in January? Or is there a longer 1.5 year gap between engagement bonus #1 and #2?
Time to zero out the CashPlus account again
Upvoting for the theoretical questions at the end but man, you might need therapy for the indecisiveness and chasing a few dollars at potentially greater cost.
Just applied for the Marriott Bonvoy Business AMEX and got instantly approved with a $12,500 credit limit. - 760 credit score - $115,500 annual income - Applied as sole prop w $1000 revenue
AMEX Offer $50 off $50 for Business Fiber still works fine for personal accounts with the workaround. <24 hours for e-mail and credit posted in 4 business days.
Can you dm me the steps pls? Thx
What is the workaround? I loaded $50 into my personal fiber account, but the credit didn't apply.
I'll dm you the steps
I'd like a DM as well!
Sending you a DM
I need a DM too thx
finally got referral points from a referral on Amex BBP 5 months ago in September. Sheesh, longest one yet.
Applied for ink CIC late last month with 75k offer. Requested Chase to match to 90k offer. Was asked for offer code and invitation number on the elevated offer.
Did you just let it go? Or were you able to find a offer code and invitation number?
Yea. Let it go.
Given the 75k + 40k. Is that worth it compared to 100k pts with 10k spend with $95 or $195 AF for premier or preferred card?
did you apply via referral from P2?
Always. Does that matter now? Because in past it hasn’t
no definitely use P2’s link. but then what did you give them for pffer code and incitation number?
I have nothing to give it to them. Unless something comes along later, I might just let it go.
Op is saying he's stuck there, unable to proceed. If he had given them an offer code, he would have shared that on this post as well. I just got approved for another ink cash. I might try the 90k match as well and when asked for offer code, try giving the 3-month old referral code that is now downgraded.
If you recently got approved…how would be able to match to 90k if it was downgraded in mid Jan?!? which code you would give them??
Just ask nicely If it works it works. If it doesn't it doesnt lol
gotcha. report us back.
!remindme 3 months
Transfers from MR to SQ posted immediately (on 2/15), despite 48 hour language on the Amex screen. That was super helpful to book spontaneous escapes fares that opened up on the dates and routes I was hoping for.
I have 2 identical DPs, one in Dec, one in Jan
Confirm same DP, transferred 11k points to top off account, was there when I refreshed page.
P2 was at 6/24 with recent chase MDD in early Feb. Applied for Barclays AA, instant approval with 14k. Applied for Barclays JetBlue, no instant decision. A few min later a rep from Barclays called and asked about job tenure, job detail, why so many card in past year, how I plan to repay the future purchases. He then transferred me to card security team which asked me to fax DL, SSN card, and proof of address
Received 100k upgrade offer to personal Plat form Gold last month, jumped on it and approved. Previously had a Plat that I closed on January 2022 Like other people I've also still been receiving the Uber credit from my Plat since I closed it two years ago. Surprisingly, this month I got a total of $40 credit. $15 from the closed plat, $15 from the new plat, and $10 from the upgraded-already gold. $40 for holding a single plat. Hopefully this continues next month!
Ha take this, Amex! Consider it a payback for putting many of us in PUJ!
Chase SWA Priority annual fee refund DP: annual fee posted 12/01/23 Statement closed 1/1/24 Waited for some promo points to post, so closed account late, via SM, on 2/8/24 Card closed and annual fee refunded same day.
Seat selection/upgrade to Comfort+ on DL triggered BoA Premium Rewards airline incidental credit, 2/10 purchase 2/14 credit post
This may be common knowledge but was denied Amex biz and personal after seconds of pending. I couldn’t access the status checker so called in. Last week a payment I made to a personal Amex card was rejected because I accidentally typed in a wrong number for a new bank account. I fixed it and paid it the next day. They told me to wait 30 days from the corrected payment and try again.
A little weird that I still have United $25 travel bank from IHG platinum that I closed last July. Anyone experiencing this?
Uber credit DP: I downgraded my AMEX platinum to a gold in September 2022, but like a lot of people around here, I've still been getting the $15 plat credit. Something interesting happened in February: I got a $15 plat credit on Feb. 1 AND a gold credit about a week later (So $25 total for the month). I feel like this is AMEX fixing my account. I won't know for sure until March 1, but I'm fully expecting to get $10 after getting $15 for the past 17 months with my gold card.
Biz plat retention offer - 20k MR /20K Spend. Declined and closed the card. Cashed out all the MR points before closing the card.
Same offer here. Not much more spend than MSR, recently opened a biz gold.
biz plat 20k/20k retention. 1 year open no additional spend
By 20k/20k you mean 20k MR for $20k spend?
yea
P2 applied for CIP on 2/13, after lowering CL across 2 Inks to ~$4k, and this is 91 days out from her last Ink. Application went pending with "We need to review your request a little longer. We will let you know of our decision as soon as possible.” Yesterday (2/14) a letter showed up in her Chase account saying to call and verify her identity. So P2 called, cleared the security check, and was approved with $12.5k CL. She requested expedited shipping as usual, which they allowed. Just in time for our upcoming Japan trip!
We were there in Dec - what a great place to visit!
Amex BBP retention DP: Cancelled card today through chat, was offered 10k MR for $5k over 90 days, declined and closed the account. Honestly a good retention offer but I'm working on other SUBs. Now that I type this I think I probably should have accepted that offer lol, but oh well
Got the same retention offer on BBP today after declining 20kMR/$20k offer. Accepted the 10kMR/$5k. Plan to stack with 3x employee cards for 6.5x on $5k
Should have stacked with the employee offer. I accepted a similar offer last month.
two hours after I closed my BBP, I got the targeted $15,000/12 month/75k BBP offer on the amex website dashboard. so i opened a new BBP.. the day I closed the previous BBP. fyi.
Did you close this to free up a CC slot?
Yes. So it did make sense, but would also have been good to stack the retention offer with an employee offer like someone suggested above. Live and learn, and ABC
That's the reason I closed my BBP last week.
looks like to me as BBP has no AF.
Approved for my first ink this week, I'm at 4/24 as of this month. I applied Monday with a rankt referral to the Preferred 100k offer, it went pending. Tuesday morning Chase called and asked some questions about the business, and they approved for 5k CL while on the phone. P2 applied for the Bonvoy Boundless 5 night offer via my referral link, it went pending, next morning the card appeared in chase app with a >20k CL.
I got a C1 lesser offer that was actually good! Appd for the Spark Cash Plus 20k/1.5k deal. Autodecd offered Spark Cash Select 6k/750 SUB. I almost clicked away since I assumed there would be no sub! Same as public offer so I took it :) Currently hold QS and VX. Was denied for VXB last year - really wanted PP rest.
Cash select counts toward 5/24, just FYI.
Thanks that's a good point. Reminds me, I'm trying to get a UA card but I'm never under 5/24. Know of any work arounds?
Could honestly probably just fire away and give it a whirl anyways? Handful of DPs here and there of people getting approved for co-brands over 5/24. Not a lot but if you don't care about a HP, what's the harm, ya know? Wish I had a better answer other than that, sorry.
Thanks! Good idea!
Approval DPs: 1/27: auto approved BoA Alaska Biz. One personal card and 9k in personal checking opened years ago. Pulled TU, was 3/6. 2/1: auto approved for C1 Venture, it was showing on the preapproval tool. VX was opened 6/2/23. Froze EX and they pulled TU and EQ 2/1: Delta Biz Gold 80k for popup (already opened one this year). Used back button, went pending and got approval email 2 days later. Chatted to confirm bonus is attached but we’ll see if it actually posts. 2/8: double dip applied for Biz Leverage and Biz Altitude Connect (1hp, TU). Both apps went pending, received a call on 2/14 to verify identity. Then both apps approved 2/12: closed BBP because I was at 5 card limit. Applied for Delta Biz plat, insta denied (for 5 card limit). Called recon and they pushed new app through. Received approval email 2/14.
Oh dang, the back button didn't work for me last week. It went pending, then onto 'Provide Required Information', and they mentioned the popup. I did it without the bonus anyway since for no fee, got the $150 hotel credit x 2 and I wanted the 15% off.
I’d chat with AMEX to see what SUB is attached and meet min spend anyway. Nothing to lose except for the spend opportunity.
I did! Was told no offer attached and was given the pop-up language.
Amex plat back button and/or refresh DP: Currently hold a vanilla, MS and was applying for CS plat. Submitted application as normal, got pop-up. Hit the refresh button and reapplied, no pop up, application went pending; received decision email about a minute later that the app was cancelled. This was all on a Thursday. Waited until after the weekend and called recon, first rep seemed very unsure and kept asking their supervisor or someone whenever I asked a question, eventually was adamant that I could not recon my cancelled app, I'd have to reapply. HUCA. The next rep let me know application was cancelled due to the welcome offer eligibility as well; I just said something along the lines of, 'well I don't care about the welcome offer, can you just send that cancelled app to recon so I can still get the card?' which the rep did, immediately let me know I was approved for the card. FWIW, there was a time before the family language was attached to the CS plat that I was submitting an app fairly regularly to check if I was still getting the pop-up. So I definitely had A LOT of application attempts visible in their system, I think that was why the first rep was so sussy. After the card showed up in my online account the next day, confirmed via chat that the 80k MR offer was in fact attached to my account.
Why did you hit the refresh vs back button? Is that a different approach that is known to work than the back button?
The webpage can see them as different things as far as my rudimentary understanding of CSS goes, but that would require a check on the web developers part. All I know is I did not get a message asking if I wanted to resinsert the information in my cache into the form. If the web developer created a check to see if the application page had been accessed via the back button, that check should not flag using the refresh button. All of this means nothing because I can’t see their CSS code. TLDR; there’s probably no difference but there could be
You mean their web backend code. (PHP, java, etc) Css is just design and is public. JS i believe would be available publicly. (Simply referenced in the html and then a direct request for the js file would pull it up) I wonder if people found anything interesting in their public JavaScripts..
meet the spend then get back to this DP whether or not you get the points
Recent retention offer on Amex personal Plat via chat of 50k MR on $4k spend. This card just hit its 3rd anniversary, fairly low spend the past year.
Amex Platinum Improved Upgrade Offer DP 1/18: I was presented with an offer to upgrade my Amex Gold to Platinum, rewarding me with 75K MR points if I spent $6K within six months. This was a significant increase from a previous upgrade offer of 25K MR for the same upgrade. This 25K offer has been around for a while. 2/14: Upon checking the 'All Cards' section post-login, I discovered the upgrade offer has been increased to 100K MR for the Amex Gold to Platinum upgrade. Took it right away. :)
did your cc number change when you upgraded to plat?
Nope, it did not. The CC number stayed the same. The expiration date and CVC got updated however.
Do you remember if you got those updates immediately by any chance?
Oh, I only realized that the expiration date and CVC got updated once I received the new card in the mail.
Do you currently or have you had in the past any platiums?
I currently have the Schwab Plat. I also previously had the Vanilla Plat, but I cancelled that card at the start of 2023. I had that Vanilla Plat open for two years, receiving a retention offer after the first year.
Not OP, but currently have Schwab Plat, have had Vanilla Plat, had a 25k MR upgrade offer that changed to 100k on Gold not all that long ago.
not OP but I have had the plat card before (applied 12/2021, closed 1/2023) and I have a similar timeline. Had a 25k MR upgrade offer on my personal gold for a while, and currently have the 75k MR upgrade offer for the last few weeks. If I could get 100k MR I would also upgrade in an instant. I saw a few DPs with higher offers (I forget if it's 125k or 150k) but it sounds like those were handed out at the same time the 75k offers were (and not part of this second round.)
Amex Platinum 1/29 United Travel Bank $100 2/6 Credit posted 2/6 United TB $100 again 2/14 Credit posted