6 Cards, 285000 Points, 10000 EQM, and $300

It had been over 6 months since Brittany and I had a big credit card application spree (I applied for 1 card in March), so it was time to put together another round!

Since our last application spree, some of the methods we used to complete the minimum spend requirements on our credit cards have died so we wanted to be more cautious about these requirements for the cards we were going to apply for. In the past, we used American Express for Target and American Express Serve to easily meet minimum spending requirements on our cards. We will have to be more creative this time around.


  • American Express Platinum Delta SkyMiles

Brittany travels a lot for work and only flies Delta for the most part. Looking at her Delta account, it seemed she’d be close to getting Platinum Medallion by the end of the year. She also has a hefty sum of Delta miles. At the time, American express was having a great offer for their Platinum Delta SkyMiles Credit Card (deal ends 6/30) that would give her 60000 Delta miles, 10000 EQM to get her closer to Platinum Medallion, and $100 statement credit if she makes a Delta purchase within the first 3 months.

Bonus: 60000 SkyMiles, 10000 EQM, $100

Minimum Spend: $2000 in 3 months

Annual Fee: $195, Not waived the first year

  • Citi ThankYou Premier

Citi has been improving their award currency and they currently have a limited time offer that gives 50000 points. The offer for this card before this current offer was awful, so I figured we should apply for the card now in case this goes back to the original offer. The original offer offered some points up front and then more after you renew the card after the first year, thus forcing you to pay the annual fee.

This card is also good for everyday spend. It offers 3x the points on travel (which includes gas!) and 2x points on dining and entertainment. Brittany should be able to take advantage of these bonus categories on business trips.

Bonus: 50000 ThankYou Points

Minimum Spend: $3000 in 3 months

Annual Fee: $95, Waived for the first year

  • Bank of America Alaska Airlines

Brittany was already at $5000 in required spend in 3 months and we did not want to push that too far. This fact, along with the fact that Alaska miles are extremely valuable, made me take a look at this card. This card usually gives 25000 miles upon approval. However, right now there is an offer that gives 25000 miles upon approval and $100 if you spend $1000 in 3 months. This means if we have wiggle room and can spend the extra $1000, we will get a free $100, but if we can’t, it’s not the end of the world as we will still get the miles.

Bonus: 25000 Miles, and $100 if we spend $1000 in the first 3 months

Minimum Spend: None

Annual Fee: $75, Not waived for the first year


  • American Express Business Rewards Gold

There was a targeted offer that was giving 75000 Membership Rewards points after $5000 in spend in 3 months. This was too good for me to pass up. The card will also give access to the American Express OPEN program and had pretty good points-earning possibilities with 3x/2x earning categories.

Bonus: 75000 Membership Rewards Points

Minimum Spend: $5000 in 3 months

Annual Fee: $175, Waived for the first year

  • Citi Prestige

The Annual fee on both mine and Brittany’s Citi AA Executive card is coming up soon. When that fee hits, we are both going to cancel that card. We have enjoyed the access those cards have given us to Admirals club and this card will also give us access (but unfortunately only if we are flying with American Airlines). This also has a limited time increased sign up bonus of 50000 points. There are many other great benefits the card offers such as $250 annual travel reimbursement, but I will not go into great detail here on all the benefits. I did my research on the card and decided it was worth it.

Bonus: 50000 ThankYou Points

Minimum Spend: $3000 in 3 months

Annual Fee: $350, Not waived for the first year (usually $450 and I’ll have a post soon explaining how I got the fee to be $350).

  • Bank of America Alaska Airlines

I was now at $8000 in required spend in 3 months and again, we did not need to push it any further. That reason (and the reasons Brittany also applied for this card) are why I went for this card.

Bonus: 25000 Miles, and $100 if we spend $1000 in the first 3 months

Minimum Spend: None

Annual Fee: $75, Not waived for the first year



Bonus: 285000 Points, 10000 EQM, and $300

Minimum Spend: $13000

Annual Fee’s for the first year: $695 

Brittany was instantly approved for all of her applications. I was not immediately approved for any of mine. I called Citi right away and all they asked me was if I wanted to move any credit from my other Citi credit cards to the Prestige; when I said yes, I was approved. The next day, I called Bank of America and American Express. Bank of America just wanted some more information. They asked me if I was still living in New Hampshire (I used to have a bank account with them); I said no & verified my current address and was approved. I simply called American Express to ask if they had any more questions for me; they did not and approved me for the card. This was the most exciting one for me as it was my first business credit card! It was a very successful application spree.

Let me know if you have had a successful spree recently and what you decided to apply for!



4 Comment

  1. Sara says: Reply

    This is so helpful! I’m very impressed. I’d love to hear more about how you make sure to achieve your card spend requirements. I travel for work and am not sure I even pay that much. I’d also love to know how you choose which card to use for various expenses.

    Your loyal fan,

    1. Pete says: Reply

      Thanks Sara! I’ll be sharing soon how we plan on meeting all of our minimum spend requirements. I also think thats a great post idea to explain how I decide to use what card in any given situation!

  2. Kelly says: Reply

    Hi Pete!
    Loving your series. However my biggest question keeps coming back to – what about your credit score?? I’ve opened credit cards in the past for the benefits, but it has negatively affected my credit score so I haven’t opened a new card in 5 years or so after my big kick. Are you just applying with the thought of dealing with the ramifications when the time comes? Or is home buying etc. that far off it doesn’t matter?

    1. Pete says: Reply

      Hey Kelly,

      Our credit scores are great! If they weren’t we wouldn’t be able to be approved for so many credit cards. Your credit score will take a slight hit for each credit card you apply for in the short term. However, in the long term you will have more accounts open and more credit extended to you which more than makes up for the slight hit you take immediately (if you make sure to pay off all of your credit cards in full every month).

      If I knew I was going to apply for a big loan in the near future I would recommend cooling off on applying to avoid the slight dip in credit score. Other than that I see no hard as it is good for your credit score in the long term (as long as you pay off your credit cards in full each month).

      Let me know if you have any more questions! Hope this helps.

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