topic Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc.. in Credit Card Applications

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Anonymous — Mon, 20 Jul 2015 09:48:58 GMT

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Creditaddict — Mon, 13 Jul 2015 14:05:08 GMT

Venture 1 is $1k spend for 20k points which is $200

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 14:09:33 GMT

Trying to avoid Capital One cards, just due to the distinction of Capital One being the only company / bank / etc. to ever deny me.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 14:37:43 GMT

@Anonymous wrote:
I plan to put about $2,000 worth of spend on my credit cards over the next 30 - 60 days. So I want to sign up for a new credit card with the best possible bonus currently available.

Some background on me.

I have a 780 FICO score. Never had any delinquencies. I have about 10 credit card lines open over 9 years with 2 credit card openings within the last year. I have never been declined for any kind of credit, except for Capital One (still have no idea why). I have a positive personal loan and car loan on my history. I have never had a home loan before.

So I am looking at my options right now. I just missed the deadline for the Alliant Credit Union 30,000 offer because it expired on June 30. I feel stupid because I do a lot of my banking with them and it would have been great to get the 30,000 offer. But it's too late and they won't honor it.

So these are the three credit card options I'm considering.. feel free to suggest any that I might have missed..

1. http://www.alliantcreditunion.org/visa/rewards/ for 10,000 reward points after $500 spend.. again I have a banking account with them so it would make sense

2. http://www.tdbank.com/personalcreditcard/easyrewardscard.html $200 after $1,500 spend with TD Ameritrade.. I've had an account with them for years.. though the account has had 0 balance in it.

3. waiting for the new Barclay Arrival card announcement in the next day or two

My biggest fear is being declined for a card. Because I was once declined for a Capital One card a few years ago.. even though I had excellent credit.. so it makes me nervous to apply for new cards.

Which of the above cards do you think might be easiest to get? What is your experience with any of these cards? Can you suggest another card with a high sign up bonus right now? I'd like either statement credit, cash back, or miles. It needs to have NO ANNUAL FEE. I don't want an annual fee card because I always have canceled these and I wish to continue building credit.

I have never done a "app-o-rama" before.. in fact even I have read a lot about it but it still scares me. But do you think I should try my first app-o-rama with the above three cards? I figure maybe I could get 3 for the price of one, especially since I plan to spend about $2,000 - $3,000 on my cards over the next few months.

Thanks so much! I've been reading a lot over several years but still a newbie. Thanks for an input and advice and thank you for reading my long post.

A lot of sign up bonuses are $100 for cards with no AF. The better sign up bonuses come with AFs and some AFs are waived the first year. BankAmericard Travel Rewards is no AF, no FTF, and $100 bonus when you spend $500 in the first 3 months.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

PrimeRate — Mon, 13 Jul 2015 15:07:38 GMT

Your topic in Credit Cards was locked, so I just wanted to come here and confirm both offers I mentioned to you are available via incognito mode.

Got them to come up on my first try. This is definitely the best bang for your buck if you're willing to look into the use of MR points. Best of luck in whatever you decide!

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:13:05 GMT

Thanks so much for your reply and following up on it too. I just checked but it looks like both of these cards have an annual fee. Because I have canceled annual fee cards in the past (don't want any cards that have an AF).. so just gonna keep looking for the best bonuses out there for cards without any AF for the lifetime off the card. My credit history is a little short, so I feel like I need to keep lengthening the time of my credit history.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:19:14 GMT

@Anonymous wrote:
Thanks so much for your reply and following up on it too. I just checked but it looks like both of these cards have an annual fee. Because I have canceled annual fee cards in the past (don't want any cards that have an AF).. so just gonna keep looking for the best bonuses out there for cards without any AF for the lifetime off the card. My credit history is a little short, so I feel like I need to keep lengthening the time of my credit history.

The PRG has an annual fee that is waived the first year, the Everyday does not have an annual fee. You can sign up for both, get the bonus from the PRG and the Everyday, cancel the PRG before the first annual fee comes due, and still have the points from both because you'll still have the Everyday that uses the same points.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:20:57 GMT

I got the Everyday card already. It's a good card. I signed up for the bonus when it was $125

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:23:12 GMT

@Anonymous wrote:
I got the Everyday card already. It's a good card. I signed up for the bonus when it was $125

Well it's difficult to give card suggestions when we don't know what cards you have. You can go into "My Settings" to list cards to go into your signature at the bottom of all your posts so ppl know what not to suggest :/

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:32:34 GMT

OKAY. DONE.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 15:44:11 GMT

@Anonymous wrote:
OKAY. DONE.

lol, ok. Well, you have pretty much every non Capital One card that will have a bonus with no annual fee. The only thing you can do is apply for cards with annual fees and then cancel them when the annual fee comes due or try to get the annual fee waived when it is due. Chase Sapphire Preferred gets u 40000 points when u spend $4000 in 3 months, which you can combine with your chase freedom points. The annual fee is waived first year. I know it is above your $2000 spend limit, and you'd have to pay in full to avoid the interest. How long ago did Cap One deny you and what was the reason?

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

heyitsyeh — Mon, 13 Jul 2015 23:31:12 GMT

If you're willing to stomach a small pro-rated AF differential, you could get the EDP instead of the ED and then downgrade as soon as you get the bonus. Last I checked EDP bonus was 5k greater than ED.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Mon, 13 Jul 2015 23:44:08 GMT

but op has ED so why have both ED and EDP? ugh half of you guys don't read. specifically stated NO AF and almost every card you all are suggesting has an annual fee. if the op has 9 cards in 10 years it doesn't seem they're keen on closing it in a year. come on guys lets HELP and quit just blurting out answers.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Tue, 14 Jul 2015 01:40:22 GMT

Thanks for reading my post and trying to help me. Primarily I registered an account and made this thread because I want to sign up for this 'new' credit card within the next week. I don't want to wait much longer, because I do have several thousands of dollars in credit spending needed in the near future. And it usually takes 7 - 10 days to get a new card.

The two cards I mentioned in my original post.. the Alliant and one of the new TD Ameritrde offerings.. SEEM to be the best deals with NO ANNUAL FEE. But I'm curious to read more experiences from people with getting these cards approved and not denied. Because Alliant and TD Ameritrade don't have that many reviews on here or elsewhere on the Internet. I just want to make sure I can get either one of those.

Also, I thought people might be able to suggest another NO ANNUAL FEE with a great bonus right now. But yeah, the NO ANNUAL FEE part is truly part of my requirement. As I'm tired of closing annual fee cards and absolutely don't want to pay an annual fee, as the main benefit I usually get from credit cards is the sign-up bonus.

Any more experiences or ideas from anyone?

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Santi78342 — Tue, 14 Jul 2015 02:19:56 GMT

Chase AARP card gives $100 after spending $500 in three months. The card gives 3% cash back at restaurants all year with no cap.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Tue, 14 Jul 2015 02:25:50 GMT

First time hearing about this card. I'll do a little research on it. Thank you!

Do I need to meet an age requirement to apply for the AARP card? I once signed up for a free product from AARP and I have been receiving spam mail from them for years! But I am a younger guy. I'm not retirement age, etc..

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Santi78342 — Tue, 14 Jul 2015 02:26:43 GMT

Also the Citi Thank You Preferred is giving 20,000 points after spending $1,500 in 3 months.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Santi78342 — Tue, 14 Jul 2015 02:28:34 GMT

@Anonymous wrote:
First time hearing about this card. I'll do a little research on it. Thank you!

Do I need to meet an age requirement to apply for the AARP card? I once signed up for a free product from AARP and I have been receiving spam mail from them for years! But I am a younger guy. I'm not retirement age, etc..

Nope, not at all. The app will ask for an AARP member number but you can leave it blank. I am 24 and use to have the card but I closed it because I got the CSP and that's where all my restaurant spend went.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Tue, 14 Jul 2015 02:31:44 GMT

Just curious.. there's no AF with the AARP card.. why did you decide to close it? I think you should leave card lines open if there's no AF even if you don't use it.. in order to build credit age. But again, thanks for the suggestion. This card DOES look good.. Maybe I could sign up for the Alliant card + the AARP card.. put $500 spend on each card and get $100 + $100 bonus for $200. That would be sort of like doing a small app-o-rama applying for two cards at once.. Alliant and Chase.. I've never done that before.. in the past only applied for one card at a time.

Re: Largest sign-up bonus (w/ no AF) $500 - $2,000 spend? - Alliant, Barclay, TD Ameritrade, etc..

Anonymous — Tue, 14 Jul 2015 02:35:12 GMT

I have a Citi checking account that I hardly ever use.. but it's been open for a few years.. but I always worry about applying with cards with a 'new' company..

Again, my bad experience with being denied by Capital One 2x for the same product was very disturbing.. as far as I know they had no reason to deny me.. and some Capital One cards are supposed to be easy to get.. I applied for the Quicksilver and was denied.. and Capital One was the first and only company to ever deny me credit..

So I don't know whether a company like Citi will deny me or not.

I've always had good experiences with 100% of the time being approved for Chase, Bank of America, and AmEx.