When are you able to get the identical card (and welcome bonus) once more?

Do you know that it’s typically doable to get the identical bank card that you’ve got had earlier than and get the brand new cardmember welcome bonus once more? In some circumstances, you may be capable of open a second of the identical card that you just at present have and get the bonus once more. The principles differ from one issuer to the following and this week we navigate these nuances for individuals who must know.

Elsewhere on the weblog this week, Greg lays out his final large Delta mileage run to get his spouse to lifetime Platinum standing, he examines how simply one may earn some stage of Delta standing in 2024 even when ranging from scratch, discover ways to reap the benefits of open season on the Southwest Companion Go, and a complete no more. Watch, hear, or learn on for extra from this week at Frequent Miler.

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This week on the Frequent Miler weblog…

Tips on how to earn Delta elite standing with out flying in 2024

The 2024 path to Delta elite standing is very easy that even I really feel mildly concerned about incomes Delta elite standing as I really feel moderately assured that I may get good worth out of two Delta Platinum card companion certificates and get Delta elite standing with out even attempting (or flying). I believe Delta actually modified course right here and made it far simpler to earn elite standing within the short-term. I think about we’ll finally see adjustments right here, however I may think about some readers discovering it really easy in 2024 as to go after some stage of standing.

The final nice Delta mileage run

There isn’t any debating it: Greg is a bit nutty. When you really feel tempted to debate it, see Exhibit A — this publish. It doesn’t sound affordable to spend 1 / 4 of 1,000,000 {dollars} on Delta bank cards earlier than the top of 2023, however then that’s in all probability not probably the most unreasonable factor Greg has proved doable and completed. Extra importantly, for those who’re near the next stage of Delta elite standing, the next stage of lifetime standing, or the the edge for sufficient MQMs to increase standing for one more yr, you may need to think about your personal (hopefully extra affordable) spending technique to get there earlier than the top of this yr.

Tips on how to convert Amex Membership Rewards to money with the Schwab Platinum card

Earlier than you go off spending your fortune in your Delta bank cards, think about what number of factors you might earn for a similar spend placed on playing cards that earn Membership Rewards factors and the way simple it’s to transform Amex Membership Rewards factors into deposits in a Schwab brokerage account. This Schwab card turns a 4x Membership Rewards bonus class into an efficient 4.4% money again or a 2x all over the place card into an efficient 2.2% money again. It additionally provides 10% to the worth of Rakuten “money again” charges, which is why I might all the time favor to earn Membership Rewards factors over money via Rakuten.

Full Information to Credit score Card Utility Guidelines by Financial institution

Do you have to rely 24 months because you canceled a card or because you earned the welcome bonus earlier than you may get the cardboard once more? Are you able to get the bonus once more on a card that you just at present have? Are you able to get accepted with Financial institution X regardless of what number of playing cards you may have opened with Banks Y and Z? Tim up to date the foundations discovered on our Greatest Credit score Card Provides web page and in addition caught them in an easy-to-reference useful resource right here.

Southwest Companion Go Full Information 2023

Fortunately, Greg and Nick cleaned up all their rice earlier than they left

October all the time marks the beginning of Companion Go season. This yr, we needed to wait a bit longer than common for the debut of elevated welcome provides on a few of the Southwest playing cards, however the time is now to think about opening your Southwest playing cards. That’s as a result of for those who open the playing cards now, you may full the minimal spending necessities in early 2024 and have nearly two full years of the Southwest Companion Go. Given the limitless nature of this profit, it may be a unbelievable deal for those who’ll convey a free companion on many journeys.

Bilt November Lease Day: As much as 150% Switch Bonus to Emirates Skywards

Greg and I’ve redeemed Emirates Skywards miles for top quality flights on Emirates.

Talking of bringing a companion at no cost, it would nearly really feel such as you’re getting that chance with this Bilt Lease Day switch bonus on condition that members of Bilt Rewards can get a switch bonus of 75% to 150% relying on one’s standing with Bilt. Even on the backside finish, members with no elite standing get a 75% bonus, which nearly doubles your award buying energy. I wouldn’t advocate a speculative switch on this one, however in case you have availability in thoughts to guide it could possibly be an incredible deal.

Wyndham Vacasa: New, decrease cap on award bookings


I’m a bit disillusioned that I could have a tougher time utilizing Wyndham factors to guide a spot like this once more close to Pidgeon Forge.

All nice offers come to an finish, however the silver lining right here is that the “nice deal” that has been utilizing Wyndham Rewards factors for Vacasa Trip Leases has solely downgraded to “superb deal” slightly than being worn out altogether. Sadly, whereas there was an unwritten rule that you might guide properties costing as much as $500 per bed room per evening together with all charges, your chosen property should now price $350 per bed room per evening or much less. That’s a lower of 30%, which completely stinks, nevertheless it signifies that it’s nonetheless doable to get greater than 2c per Wyndham Rewards factors, which stays to be an excellent deal even when not the wonderful worth it earlier was.

U.S. Financial institution Altitude Reserve Evaluate

The U.S. Financial institution Altitude Reserve is rapidly turning into a favourite in my pockets — my digital pockets, that’s. Whereas I already sometimes used my smartwatch or telephone to faucet and pay in-store, I discover myself leaning increasingly more closely on this card for an efficient 4.5% again on all of my cellular pockets purchases. I now solely pull my pockets out of my pocket once I’ll be incomes a giant class bonus on another card. This evaluate explains the ins and outs of the Altitude Reserve.

That’s it for this week at Frequent Miler. Regulate this week’s month-ending final likelihood offers to be sure to don’t miss these ending in October.

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