My Recent Application Results – Over $2800 In Value

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Application spree results

My Most Recent Application Results – Over $2800 In Value

I have been laying low for a little while now focusing more on big spending bonuses instead of chasing welcome offers.  Once I completed my World of Hyatt card free night spend and my Ascend free night spend I was itching for some bonuses.  Tie that together with my recent knee surgery, the large bill attached with it, and now was the perfect time!  I tagged teamed this round between my wife and myself.  When it was all said in done “we” netted over $2800 in value between the two of us.

The Application Results

The list of cards and my results are as follows:

Application spree results

Charles Schwab Platinum – 

I decided to go for this card before the end of the year because I am currently without a Platinum card.  The offer was for 60,000 points and this version also allows you to cash out Membership Rewards points at 1.25 cents a piece.  Many of you already know I got the dreaded Amex Popup so this application never fully went through and was a failure.

Application spree results

Citi American Airlines Business Card –

It had been over 24 months since I had closed my Citi American Airlines business card so I decided to give it another go.  The offer is for 70,000 AA miles after spending $4,000 within the first 4 months.  This is a pretty juicy bonus worth a conservative $1,050 if I value the miles at 1.5 cents a piece.  I was instantly approved and have already completed my spend and I am awaiting the miles to post in February.

I noticed it had been 24 months since my wife had had the card as well so I applied for her too.  She was also instantly approved, with a tiny $3,000 limit, and that should net me another $1,050 in value.

Application spree results
Bank of America Travel Rewards –

We try to take a trip “up north” every summer for a little staycation.  It is probably my family’s favorite trip every year.  I usually like to get a travel eraser card of some kind to offset the cost for the booking since there are no points hotels in the area.  I could book the hotel through the Citi or Ultimate Rewards travel portal since you know I am all about using my points instead of cash.  This is one of the few times I want to “pay cash” though. If you book directly with the hotel you get free breakfast and $25 a day in food and beverage credit.  That sways the pendulum away from booking it through a travel portal.

Since we have no chance of getting the Capital One Venture card or Barclay Arrival+ these days I settled for the BOA Travel Rewards card.  We had recently closed most of my wife’s Bank of America credit card accounts in order to hopefully increase approval chances.  She was immediately approved and the 25,000 points (worth $250) have already posted. My wife also gets a little bonus on her spend because of her checking account but the bonus doesn’t apply to welcome offers.  She had to spend $1,000 within 3 months for the $250 in points.  This allows us to pay cash for the stay without really paying cash.

Application spree results

American Express Everyday Preferred Card

I had my wife sign up for the American Express Everyday Preferred card last.  This really wasn’t something I was planning on.  She had the Mercedes Benz Platinum card and I was trying to decide if I should close it and get a refund or not.  This was before I knew doing such led to clawbacks.  My real purpose was that I wanted to see if she was popup blocked like I was before making that decision.  My thinking was that if she got the popup I would close the Mercedes Benz since she had already been locked down by Amex.

I had her refer herself using her Blue Business Plus card for 15,000 Membership Rewards points.  The offer she was given via referral was for 20,000 MR points after spending $1,000.  So a total of 35,000 MR points for $1,000 in spend…that is a very solid offer.  The card would be put to good use for grocery and gas spend going forward as well.

There was no popup when she went to apply and she was instantly approved.  The 15,000 referral points posted the next day and the 20,000 welcome bonus posted a few days after the spend was completed. I would put the value of 35,000 Membership Rewards points at around $525. Now my plan is to downgrade her Platinum card to the Gold card if there is no retention offer.  Gotta have one of us stay on Amex’s good side ;).


As a family we went 4 for 5 and will net 140,000 American Airlines miles, 35,000 Membership Rewards points, and $250 worth of travel credit.  That should get me a total of $2875 in value for $10,000 in spend.  Not too shabby!

Mark Ostermann
Mark Ostermann is a father, husband and miles/points fanatic. He left the corporate world after starting a family in order to be a stay at home dad. Mark is constantly looking at ways to save money and stay within budget while also taking awesome vacations with his family. When he isn't caring for his family or taking a weekend trip, Mark is working towards his goal of visiting every Major League Baseball ballpark.

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  1. How does refer yourself for amex work? Does it have to be biz to personal or would a non membership rewards delta work for the everyday preferred?

  2. Are the AA biz cards considered a separate product from the personal cards? I’ve been churning Citi AA a lot so I think I’m locked out of the biz cards because of the “same family” rules.

    • I will give it a try but I think that offer comes with an extra $1K in spend so not sure if I want to if it requires 5K in spend.

        • I’ll give it a try then, thanks! I have done it in the past with the personal card but the spending amounts matched up on those offers.

  3. @Mark- Isn’t the Bank of America Travel Rewards with Platinum Honors a much better card at 2.625% Cash back vs the Schwab Platinum at getting back 1.25% Cash?

    Just wondering your reasoning for wanting the Schwab Platinum. Thanks!

    • The Schwab when paired with Blue Biz+ is like having a 2.5% cash back card and you don’t have to lock up 100K in money to get it. Not everyone is able to get BOA Platinum Honors but if you can it is tough to beat.

    • It should not since Citi is not one of the issuers that reports business cards to personal credit bureaus.


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