September Credit Card Applications

This past September Brittany and I did another round of credit card applications to help increase our points balances. Not as much time had passed since we did our last round but we really wanted to apply for the Amex SPG card while they were offering an increased sign up bonus. Below I have a breakdown of the cards we applied for and the bonus we received.


  1. Amex SPG Personal – 30,000 points after $3,000 in spend in 3 months.
    • Approved – Amex has never denied me for any card so I was hoping this would not push the limit. I had recently closed my Amex Platinum card because the $450 annual fee hit and I could no longer justify the fee. I also had 3 other Amex cards open. I wanted this card because of all of the airline transfer partners SPG has. If you transfer 20,000 points to an airline you get a bonus 5,000 points. I already had some SPG points so an additional 33,000 points (after meeting spend) would get me to 40,000 points, allowing me to take advantage of the SPG transfer bonus twice.
  2. Chase Hyatt – 2 free nights, $50 credit, and 5,000 points after $1000 spend in 3 months.
    • Approved – There have been reports of Chase getting more strict with applications and Chase has rejected me a few times in the past. The offer I applied for is not the public offer but is the best offer available. You can find it on the Secret Credit Card Offers page. Chase not only approved me but they gave me the biggest credit limit out of all of credit cards that I have! Brittany and I will be going to Bora Bora in a few weeks. This along with the Maldives are two of the most aspirational destinations for miles and points enthusiasts. We plan on using the free nights at the Park Hyatt Maldives to see if we like Bora Bora or the Maldives better.
  3. TD Aeroplan – 25,000 after $1,000 in spend in 3 months.
    • Denied – This one was going to be an experimental card for me. You can use this card to load the prepaid TD Go card to earn miles and distinction status with Air Canada. Little has been written about this which is why I wanted to test this out first hand. The TD Go card is only available in a few states and the billing address for the credit card you use to fund the account must have the same billing address as the TD Go card. New Hampshire is one of the states the TD Go card is offered in. My parents live in NH, and I did a few years ago, so I applied with my parents address. When I was denied I decided it best not to call and argue as I applied with an address that was not my current address.


  1. Amex SPG Personal – 30,000 points after $3,000 in spend in 3 months.
    • Approved – Same reasons as above.
  2. Chase Hyatt – 2 free nights, $50 credit, and 5,000 points after $1000 spend in 3 months.
    • Approved – Same reasons as above.
  3. Citi AA Platinum – 50,000 points after $3000 spend in 3 months.
    • Approved – Brittany’s AA balance is not as big as mine and AA miles are some of the most valuable miles out there. We have a few ideas for how we are going to use the miles but nothing concrete as of yet.


Overall this was a very successful credit card application round. We received a good some of points and the offers we applied for did not have too large of spending requirements. Our total haul was 60,000 SPG points, 4 free nights at any Hyatt, $100, 10,000 Hyatt points, and 50,000 AA miles.

Did you hop on any of the offers that we applied for? What cards have you applied for recently?

2 Comment

  1. Jerome says: Reply

    Hey Pete, I had a question for you regarding credit card apps. Is there any advantage to applying to numerous cards at once rather than spreading it out? Ideally, I’d like to spread it out so that way I can meet the minimum spending requirements individually, but if it is beneficial to go through multiple at once, I have no problem with that. Just looking for some insight.

    Thanks again!

    1. Pete says: Reply

      Hey Jerome,

      There are two advantages. The first is if you apply for multiple credit cards from the same bank on the same day they will sometimes combine your hard pulls into one for you will only have 1 hard pull reflected on your credit report instead of two.

      The second may have changed but if you apply quickly then banks may not be able to see how many accounts you have open (if you were to be approved on the one you apply for first). However, they will still be able to see the hard pull from the first application.

      Unless you are going for situation 1 then I do not feel it is important to apply all at the same time. These days I only apply for multiple cards if I want two cards from the same bank and have done my research and know that that bank combines pulls when applying in close succession.

      Hope this helps!


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