Remember to strictly adhere to the 90 day rule, which states that you must wait a minimum of 90 days between credit card applications. This rule is heavily advised so that you can keep a healthy credit score and a good relationship with credit card issuers. Remember, if you are applying too quickly for cards it makes it seem like you are desperate for cash and they will red flag you.
90 days applies to personal to personal credit card applications or business to business credit card applications. You can apply 30 days apart across types, like from personal to business. However, it is advised that if it is not necessary, stick to 90 days between all applications just to be safe.
Best Credit Card
- Chase Ink Business Preferred –
- $95 annual fee
- Welcome bonus is elevated to 100,000 points after a minimum spend of $8,000 in 3 months
- Chase Ink Unlimited or Ink Cash
- $0 annual fee
- Welcome bonus is elevated to 90,000 points after a minimum spend of $6,000 in 3 months
- Referral Links to all of the above cards are at 40,000 points. Referring your player 2 or friends and family is a nice way to boost your point earning potential.
- If you are not using another person’s link please apply using mine https://www.referyourchasecard.com/21o/LFVTUNRHIV
- Capital One Venture X
- $395 annual fee but comes with many benefits such as a $300 travel credit and lounge access
- Welcome bonus is elevated to 90,000 points after a minimum spend of $4,000 in 3 months
- Offer is only available through a referral link. DM me on Instagram if you need the link, I can provide a friend’s link.
- No elevated offers for Chase Southwest Cards, but this month marks the month in which you can start opening personal and business Southwest cards in order to earn your Companion Pass that allows your designated buddy to fly for nearly free ($5.60 each way) with you anywhere you go.
- For personal cards: https://www.referyourchasecard.com/226L/A04UWZQD0X
- For business cards: https://www.referyourchasecard.com/226L/A04UWZQD0X#
For information about the Companion Pass read my blog post about it: https://www.mamitravels.com/southwest-companion-pass-everything-you-need-to-know/
Best Bank Bonuses this month:
Bank bonuses give you a cash bonus for opening bank accounts and following their rules:
- Capital One 360 Checking account $350 Bank Bonus with 2 deposits of $250 or more. Transferring money from your other bank account counts as a deposit and will trigger the bonus. Open by January 9, 2024. Apply here: https://www.capitalone.com/bank/bonus350/
- American Express $250 Checking Bonus. Must apply by October 31 and receive $500 in direct deposit by December 10. Apply here: https://www.americanexpress.com/en-us/banking/checking-account/
- Wells Fargo $525 Savings Bonus. Requires $25,000 in funds deposited within $30 days of opening it. Offer expires January 9, 2024. Apply here: https://accountoffers.wellsfargo.com/savingsbonus/
October Transfer Bonuses
The only point transfer bonus is through Chase to Virgin Atlantic for a 30% point boost
