A list of the best current credit card sign up bonuses & offers for October, 2026. We update this page on a daily basis with any new deals and include all bonuses (we don’t use any credit card affiliate links so we can remain unbiased unlike other sites).
Given how popular our best bank account bonus page is, I thought I’d try my hand at something similar for credit card bonuses. This page will be updated regularly, so feel free to bookmark it and share it on social media/forums (I’ll also add it to the header under credit cards to make it easily accessible). Keep in mind we do not use credit card affiliate links, so this is an unbiased list.
A few final thoughts before we get to this list:
- There will be a random amount of entries on this list at any one time dependent on how many cards I currently think are worth signing up for.
- I’ll be taking into account whether a bonus is at it’s highest level ever or not (mostly because I don’t think an offer is truly the best if it regularly goes up to a higher level or I suspect it’ll go to a higher level in the near future).
- I won’t be taking into account special application rules (e.g Chase 5/24 rule or American Express once per lifetime rule), but I will mention them clearly on the individual review pages.
- If there is a card that is popular and I haven’t included, I’ll put it under “Not On The List” and explain my reasons why.
Keep in mind that having a clear goal will help you decide what the best cards for you are! If you don’t want to travel and just want to earn cash back, then the best card for you will be different than somebody that wants to fly first class to Paris and stay in 5 star accommodation.
Personal Cards
These cards are listed in order from absolute best to best (e.g the better cards are at the top).
American Express Platinum 175,000
$895 annual fee. Up to 175,000 points after $12,000 spend within 6 months.
Citi AAdvantage Executive 125,000 Miles
125k with $15k spend within five months. Card has $695 annual fee.
Capital One Venture 75,000 + $300
Capital One Venture Rewards has a $300 hotel/vacation credit via Capital One Travel, plus 75,000 points after spending $4,000 within 3 months. There is a non-waived $95 annual fee.
Barclays ‘Luxury Card’ Black Card – 75,000 Points
I thought this card was dead, nice to see a bonus on it. Points are worth $1,500 towards airfare. Comes with a hefty $699 annual fee but somewhat offset but Priority pass (includes restaurants) $200 annual airline credit & $100 annual dining credit. Both of those credits are calendar year so can double dip at minimum.
Barclays Wyndham Earner Premier – 120,000
Barclays Wyndham Earner Premier card gets a signup bonus of up to 120,000: 90k after spending $6,000 in 120 days and 30k after spending $750 at Hotels by Wyndham in the first 180 days. $395 annual fee.
Another option is the Earner+ with lower $95 annual fee.
Bank of America Premium Rewards 60,000 Points
Card has an increased signup bonus of 60,000 points, worth $600 as a statement credit. In addition you get a $100 travel credit each calendar year – see what works for that credit here. Card has a $95 annual fee.
Bank of America Premium Rewards Elite 75,000 Points
Card has an increased signup bonus of 75,000 points, worth $750 as a statement credit. In addition you get $300 in airline incidental credits and $150 in lifestyle credits each calendar year. Card has a $550 annual fee.
Synchrony Virgin Red – 60,000 Point Bonus + $200
Previous high was 75,000 points.
American Express Marriott Bonvoy Brilliant Card: 150,000 Point Bonus + $250 Credit (NLL)
Main advantage of this offer is getting it if you’ve had it before (NLL).
American Express Marriott Bonvoy Bevy Card: 125,000 Point Bonus + $150 Credit (NLL)
Same as the Brilliant card above.
Wells Fargo Autograph Journey – 60,000 Points
60,000 points signup bonus on the Wells Fargo Autograph Journey after $4,000 spend in 3 months. Card has $95 annual fee and also a $50 airline credit.
Chase United Explorer 75,000-90,000 Miles Signup Bonus
Requires an authorized user and using a flight attendant code to get the full bonus.
Citi / AAdvantage Platinum Select World Elite MasterCard – 80,000
Requires using in flight or in airport links (doesn’t require being in airport or inflight thankfully).
HSBC Credit Cards Increased Offers: 75k Elite & 60k On Premier
Would be higher but requires being a U.S. HSBC Premier checking account holder.
Barclays Jetblue Plus – 75,000
Signup bonus of 75,000 points after $1,000 in spend and paying the $99 annual fee. Not highest-ever offer, but excellent with low spend requirement.
Citi AAdvantage Globe Card 90,000 Points Bonus
Also comes with a $350 annual fee that isn’t waived unfortunately
Capital One Savor – $250
Get $250 after spending $500 within 3 months on the Capital One Savor. No annual fee. Also: 0% intro APR for 12 months on purchases.
Wells Fargo Choice Privileges 60,000 Points
Good bonus if you can make good use of the Choice points.
Lafayette Federal Credit Union Mastercard – $600 or $650 In Flights – MD, D.C., VA
50,000 points after $5,000 in spend. Worth $600 in gift cards or $650 in flights
PenFed Pathfinder Rewards – 50,000 Points
Card also comes with a $100 airline credit
Fremont Bank Personal World Mastercard $500 Bonus
Only requires $5,000 in spend as well which is nice.
Northwest Federal Credit Union $500
Might need to join a foundation for $10 to make it nationwide.
Wescom Credit Union – $500 Bonus – CA only
Only requires $2,500 in spend.
Citi Double Cash $200
No annual fee. $200 bonus after $1,500 spend within the first 6 months.
Wells Fargo Active Cash $200 Bonus
No annual fee. $200 bonus requires $1,500 spend within 6 months. A lot of people will find this card useful for the long haul, as well.
Ridgewood Savings Bank $500 Bonus – NY & CT
Nice big bonus, spend of requirement of $5,000 is required. They also offer business cards now as well (see below)
American Express Delta Gold – 50,000 Miles + $400 Statement Credit
Has been as high as 70,000 miles + $200 statement credit or 90,000 miles. Some people will prefer the higher $400 statement credit offer.
USAA Eagle Navigator – 50,000 Points
Card first launched in 2023 and this is the first time we’ve seen an interesting increased offer.
American Express Blue Cash Preferred $300 + Waived Fee
Without a referral link the offer is for $250. With a referral link some people sometimes see $300. Annual fee is waived the first year with this offer. There is a $3,000 spend requirement.
Citi AT&T Points Plus – $250 Cash Bonus
$250 cash signup bonus with $500 spend requirement. No annual fee.
Chase Freedom Unlimited $200 – 5% On Gas & Grocery First Year – In Branch Only
Unfortunately this is only available in branch.
American Express Blue Cash Everyday $250
$250 Bonus | $200 + 10% ($150) Bonus
Requires $2,000 spend within 6 months for the $200/$250 bonus. No annual fee. The second link, above, gives $200 + 10% back on Dining up to $150 back.
Bank of America Personal Unlimited Cash Rewards $200 Bonus & .5% (3.12%)
No annual fee. $200 bonus requires $1,000 spend. They also have a bonus .5% cashback for the first year which makes it unlimited 2%, or unlimited 3.12% for those with the highest-tier BofA relationship status.
Discover it Miles $100
Offer only available via a referral. The nice thing about this card is cash back earned is double the first year (unfortunately the sign up bonus doesn’t double), meaning this card earns 3% cash back on all purchases during that first year.
U.S. Bank Cash+ $200 Bonus
This is the highest bonus on this card, but previously the spend requirement was lower for the same $200 bonus.
Fidelity 2% Card $150 Bonus
$150 is as good as it comes on this card, there is a $1,500 spend requirement.
Sallie Mae (Accelerate & Evolve) $200
Requires $1,000 in spend and bonus can be worth more than $200 if redeemed against a student loan.
SoFi $200
The SoFi 2% card now comes with a $200 bonus via Credit Karma link. Requires $1,500 spend.
PNC $200 (Many States)
PNC Cash Rewards $200 signup bonus after $1,000 in spend. No annual fee.
Regions Bank – $200 (Many States)
Easy $200 bonus with low $1,000 spend requirement. Available in the following states: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN & TX.
Apple Card – $75 Cash Bonus
Easy $75 Daily Cash bonus when you make any purchase made within 30 days.
Business Card Bonuses
American Express Business Gold 200,000 Points
Should now show for everybody when using certain referral links.
Chase Ink Business Preferred – 100,000 Points
Card has a $95 annual fee but this offer only requires $8,000 in spend.
Chase Ink Cash/Unlimited Business – 100,000 Points
Chase INK Cash and INK Unlimited have no annual fee and offer a signup bonus of 100,000 when you spend $8,000 within four months.
American Express Business Platinum – 200,000
$895 annual fee. 200,000 points signup bonus requires $20,000 in spend within 3 months. Some people are finding an offer for 250,000 or 300,000.
American Express Delta – Up To 125,000
On both personal and business cards, Gold is at 90,000, Platinum 100,000, and Reserve at 125,000.
Capital One Business Spark Cash Select – $750
$750 cash bonus with $6,000 spend requirement. No annual fee.
Capital One Venture Business – 100,000 Points
The Spark Miles business card is now called the Venture Business card and comes with 100,000 points bonus after $10,000 spend. $95 annual fee.
Capital One Venture OneBusiness – 50,000 Points
The Spark Miles Select business card is now called VentureOne Business and comes 50,000 point bonus after $4,500 spend. No annual fee.
Citi AAdvantage Business 75,000 American Airlines Miles
Standard offer is 65,000 miles
Chase Sapphire Reserve for Business 200k Points
200,000 bonus after $30,000 spend. $795 annual fee.
Barclays GM Business Card 100,000 Points
This is a $1,000 credit for GM purchases.
American Express Business Delta 70,000 Miles + $200
This requires a dummy booking to see this offer.
U.S. Bank Amazon Prime Business $200-$750
Some have an offer for $750 after $6,000 spend. Others see $200 or $250 with no spend. No annual fee.
Wells Fargo Signify Business $500 Bonus
No annual fee. $500 bonus requires $5,000 spend. Card also has 0% APR for 12 months on purchases.
Bank of America Business UCR/CCR/TR $500 Bonus
No annual fee. $500 bonus requires $5,000 spend.
Chase World of Hyatt Business – 70,000 Points
Card earns 70,000 points after spending $7,000 within 3 months. Annual fee is $199.
Truist Premium Business Card: $1,000 Bonus After $15,000 In Spend [AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC]
Card also earns 2%.
PNC BusinessOptions $800 Bonus – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI and WV
Nice big bonus, downside is that it requires spending $15,000 or more in the first three billing cycles.
AmaZing Business Credit Card – $1,000 – NM, AZ, CO, CA, ID, TX, UT, WY
Only requires $5,000 in spend.
U.S. Bank Triple Cash Rewards $750 Bonus
No annual fee and card also comes with a $100 software credit as well. Requires $6,000 spend within 180 days to get the bonus. Card also comes with 0% APR on purchases for 12 months.
U.S. Bank Leverage Business $750 Bonus
Requires $7,500 spend within 120 days to get the bonus. Card earns 2% cash back on your top two categories.
U.S. Bank Business Card: Altitude Connect Visa With 75,000 Points Bonus
Was recently reduced and then increased again.
Ridgewood Savings Bank $500 Bonus – NY & CT
Requires $5,000 in spend, they also have a personal credit card offering the same bonus.
American Express Blue Business Cash $500 Bonus
Deal requires $15,000 in total spending for the full bonus, but the upside is that this card earns 2% cash back on up to $50,000 annually.
Barclays Wyndham Earner Business – 100,000
Barclays Wyndham Earner Business card gets a signup bonus of up to 100,000: 45k after spending $3,000 in 90 days and 55,000 after spending $500 at Hotels by Wyndham in the first 180 days. $149 annual fee.
Landmark Credit Union $500 Business Credit Card – WI, IL
Might be available in more states as well via family eligibility.
Huntington Business Voice $150 Bonus + 8% Categories
This offer is for $150, but you also get 8% in select categories for the first 60 days.
1st Source Bank Smart Business Rewards $200 – IN, MI
Only a $200 bonus, but only requires $500 in spend.
FNBO Evergreen Business Card $200/$300 Bonus
Card has a $200 bonus but you might be able to get $300 by checking for pre-qualified offers.
More Regional Bonuses
You can find more regional business credit card bonuses here.
YMMV/Targeted Offers
We’ve decided to create a new section for YMMV or targeted offers. These are all great offers, but they either require being targeted or have some other restriction in place. We haven’t listed offers that are only available in certain states, those will still be listed above
Rakuten, Extra $200-$425 On Bank of America Cards
These seem to be frequently changing at the moment.
American Express Business Platinum 250,000-300,000 Points
Fantastic deal especially if you can get the 300,000 point bonus.
Wells Fargo Autograph Journey 100,000 Points – In Branch – Premier Only
Requires being a premier member as well.
American Express Blue Business Plus 75,000 Points
Some people get an offer on the American Express Blue Business Plus card for 75,000 points after $15,000 spend. No annual fee.
AmEx EveryDay 25,000 Points + 0% APY For 15 Months With $0 BT Fee
Standard bonus is 10,000 points. We’ve seen the 25,000 point offer via incognito mode for some time but the 0% APY + $0 BT fee offer is new. Could be using for floating money to put into a high yield savings account.
Various American Express Delta Offers – No Lifetime Language
It’s currently possible to get up to 75,000 miles and up to $200 in statement credits on the American Express Delta co-branded cards. These offers don’t have the lifetime language present, meaning you’re eligible for the bonus even if you’ve had that specific card before.
Navy Federal (NFCU) Flagship 40,000 & Amazon Prime
Military members and their families are eligible.
Not On List
This section explains why some popular cards/offers aren’t listed.
- None currently
Recent Changes
I thought it would be useful to list when and why I make changes here.
- [10/5/26] Added Citi / AAdvantage Platinum Select World Elite MasterCard – 80,000
- [10/5/26] Added HSBC Credit Cards Increased Offers: 75k Elite & 60k On Premier
- [10/5/26] Added Chase United Explorer 75,000-90,000 Miles Signup Bonus
- [10/5/26] Added Barclays ‘Luxury Card’ Black Card – 75,000 Points
- [9/29/26] Removed Chase United Explorer 85,000
- [9/29/26] Added Citi AAdvantage Globe Card 90,000 Points Bonus
- [9/22/26] Removed U.S. Bank Shopper Cash Rewards $250 Bonus
- [9/8/26] Removed Capital One Business Spark Cash Plus $2,000 + $500
- [9/8/26] Removed Capital One Business Spark Cash $1,000 + $250
- [9/8/26] Added Capital One Venture 75,000 + $300
- [9/7/26] Added USAA Eagle Navigator – 50,000 Points
- [9/6/26] Removed Chase Marriott Bonvoy Boundless – 50,000 Points + $400 eGiftcard + $100 Airline Credit
- [9/6/26] Removed Discover it – $200 Bonus + Double Rewards First Year
- [9/3/26] Removed Chase Aeroplan Card: 75,000 + 25,000 Point Offer
- [8/30/26] Removed Barclays Upromise $300 Bonus
- [8/30/26] Removed Chase United Explorer $500 Statement Credit + 25,000 Miles + 10,000 Miles
- [8/26/26] Removed Wells Fargo Expedia One Key $600
- [8/24/26] Removed Bank of America Atmos Summit – 100,000
- [8/24/26] Removed Chase United Quest Card: 100,000
- [8/24/26] Removed Bank of America Atmos Ascent – 85,000
- [8/24/26] Removed Chase IHG Rewards Premier Card 185,000
- [8/24/26] Removed Chase IHG Rewards Traveler Card 125,000
- [8/24/26] Removed Bank of America Air France/KLM FlyingBlue Card 100,000 Signup Bonus + 100 XP
- [8/23/26] Added AA Executive 125k offer
- [8/23/26] Removed AA Executive 100k offer
- [8/21/26] Removed American Express Marriott Bonvoy Business 150,000 Points + $125
- [8/7/26] Added American Express Marriott Bonvoy Brilliant Card: 150,000 Point Bonus + $250 Credit (NLL)
- [8/7/26] Added American Express Marriott Bonvoy Bevy Card: 125,000 Point Bonus + $150 Credit (NLL)
- [8/6/26] Removed Chase Sapphire Preferred: 100,000 Points
- [8/6/26] Added Chase United Explorer $500 Statement Credit + 25,000 Miles + 10,000 Miles
- [8/6/26] Added Chase Aeroplan Card: 75,000 + 25,000 Point Offer
- [8/4/26] Removed Barclays Jetblue Premier – 100,000
- [8/1/26] Removed Citi / AAdvantage Platinum Select – 80,000 Miles
- [7/30/26] Removed Barclays Priceline – $250
- [7/28/26] Removed Chase Southwest personal cards 80,000-90,000
- [7/24/26] Removed U.S. Bank Altitude Connect 30,000 ($300)
- [7/24/26] Removed Discover it – $100 + Double Cash Back
- [7/24/26] Removed Citi Custom Cash – $200/20,000 Points
- [7/24/26] Added Bank of America Air France/KLM FlyingBlue Card 100,000 Signup Bonus + 100 XP
- [7/16/26] Added Chase World Of Hyatt Business Card: 70,000
- [7/16/26] Removed Citi AAdvantage Globe 90,000
- [7/16/26] Added U.S. Bank Business Card: Altitude Connect Visa With 75,000 Points Bonus
- [7/15/26] Removed Bank Of America – Up To $700 Bonus On New Royal One
- [7/14/26] Added Capital One Spark Cash Plus $2,000+$500 and Spark Cash $1,000+$250
- [6/26/26] Added Chase INK Cash/Unlimited 100,000
- [6/18/26] Added Barclays Wyndham Earner Premier Card 120,000
- [6/18/26] Added Barclays Wyndham Business Earner Card 100,000
- [6/16/26] Added Chase Sapphire Preferred 100,000
- [6/16/26] Added Chase Sapphire Reserve for Business 200,000 with $30k spend
- [6/16/26] Removed Chase Sapphire Reserve for Business 150,000 with $20k spend
- [6/16/26] Removed Chase Sapphire Reserve 150,000
- [6/12/26] Added Capital One Savor $250
- [6/9/26] Added Capital One Venture Business 100,000 Points
- [6/9/26] Added Capital One VentureOne Business 50,000 Points
- [6/6/26] Added Chase Freedom Unlimited $200 – 5% On Gas & Grocery First Year – In Branch Only
- [6/6/26] Added Citi AAdvantage Executive 100,000 Miles
- [6/6/26] Added Bank Of America – Up To $700 Bonus On New Royal One
- [6/6/26] Added American Express Marriott Bonvoy Business 150,000 Points + $125
- [6/4/26] Added Amazon Prime Business from U.S. Bank: $200-$750 Signup Bonus
- [5/28/26] Added Chase Southwest personal cards 80,000-90,000
- [5/27/26] Removed American Express Hilton – Up To 130k + Free Night
- [5/27/26] Removed Chase British Airways 90,000 Points
- [5/25/26] Added Wells Fargo Choice Privileges 60,000 Points
- [5/23/26] Added Discover it – $200 Bonus + Double Rewards First Year
- [5/20/26] Removed American Express Business Gold 35,000 Point Offer – No Lifetime Language
- [5/17/26] Removed Chase Aeroplan 85,000 Points
- [5/14/26] Removed American Express Marriott Bevy 175,000
- [5/14/26] Removed Chase Marriott Bold 60,000 + free night
- [5/14/26] Removed American Express Marriott Business – 5 Free Nights
- [5/14/26] Removed American Express Marriott Brilliant 200,000
- [5/13/26] Added U.S. Bank Amazon Prime Business Card $200-$250
- [5/12/26] Removed Bank of America Air France/KLM FlyingBlue 70,000 + 100 XP
- [5/7/26] Removed Capital One Venture 75,000 + $250
- [5/5/26] Removed Bank of America Spirit ‘Free Spirit’ Credit Card, 65,000 Points + $100 Companion Flight Voucher
- [5/5/26] Added Barclays JetBlue Premier 100,000
- [5/3/26] Removed Chase World of Hyatt Business 80,000 Points
- [4/30/26] Added IHG Premier 185,000
- [4/30/26] Removed IHG Premier 175,000
- [3/27/26] Removed Chase IHG Premier Business Card – 200,000 Points
- [4/30/26] Added Chase Sapphire Reserve 150,000
- [4/30/26] Added Chase Sapphire Reserve for Business 150,000
- [4/30/26] Removed Chase Sapphire Reserve for Business 200,000
- [4/30/26] Added Capital One Venture Business & Venture OneBusiness – 150,000 Points
- [4/30/26] Removed Citi Strata Elite 100,000 Points
- [4/30/26] Removed Chase Marriott Bonvoy Boundless – 5 Nights + $100 Airline Credit
- [4/30/26] Removed Capital One Business Venture X – 200,000/400,000 Points
- [4/30/26] Removed American Express Hilton Business – 175k + Free Night
- [4/28/26] Removed American Express Delta – Up To 125,000
- [4/22/26] Added Rakuten – Extra $250 On Bank of America Cards
- [4/21/26] Added Citi AT&T Points Plus $250
- [4/21/26] Removed Citi AT&T Points Plus $100
- [4/21/26] Removed Citi AAdvantage Executive 100,000
- [4/16/26] Added Barclay Priceline VIP Rewards $250 bonus
- [4/6/26] Removed PNC Cash Rewards Business $600 – AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, NY, OH, PA, SC, VA, WI, WV
- [3/27/26] Added Chase IHG Premier Business Card – 200,000 Points
- [3/27/26] Added Citi AAdvantage Business 75,000 American Airlines Miles
- [3/27/26] Added Chase Aeroplan 85,000 Points
- [3/17/26] Removed Citi Sears/SYW $225 Cash Bonus
- [3/12/26] Added Marriott Bonvoy Business five free nights
- [3/12/26] Added Marriott Bonvoy Brilliant 200,000
- [3/12/26] Added Marriott Bonvoy Bevy 175,000
- [3/12/26] Removed Chase Marriott Bonvoy Boundless 5 Nights + $100 Airline Credit
- [3/12/26] Added Chase World Of Hyatt Business Card: 80,000
- [3/5/26] Added Bank of America Business Unlimited Cash Rewards, Customized Cash Rewards, Travel Rewards $500
- [3/1/26] Removed Chase Hyatt Credit Card: 5 Free Night Certificates (Category 1-4)
- [2/28/26] Removed Cardless Qatar – Up To 100,000 Miles
- [2/22/26] Added Citi Strata Elite 100,000 Points
- [2/19/26] Added Hilton consumer up to 175,000 + free night
- [2/19/26] Added Hilton Business 175,000 + free night
- [2/19/26] Removed Hilton 175,000
- [2/11/26] Added Barclays Jetblue Plus 75,000
- [2/9/26] Added Barclays Jetblue Plus 70,000
- [2/6/26] Added PNC $200 Cash Rewards bonus
- [2/6/26] Removed PNC $250 Cash Unlimited bonus
- [2/3/26] Removed Citi Strata Elite 100,000
- [2/3/26] Added Chase United Explorer 85,000
- Older removals here
Final Thoughts
I’m looking forward to the comments on this one, what do you think I’ve gotten wrong? What should be higher and what should be lower? What missed out and what should be removed from the list all together?
I’m looking for credit card sign up bonus that is $200 for $1,000 spent and I have already done all the big banks like Chase, Capital One, Citi, Bank of America, and Wells Fargo. Are there any smaller banks that you guys know that offer the $200 SUB for $1,000 spend?
IIRC this 50k deal for the no fee United Gateway is highest ever. Useful to pair with the United Business card for the annual 5k personal+business cardholder bonus. https://creditcards.chase.com/travel-credit-cards/united/united-gateway
My grocery store drains gift cards without asking them to split a purchase. TOm But, who knows if yours does? Some utility bills, insurance, will take a small debit card payment online. Best resource for your query: https://www.doctorofcredit.com/share-your-tips-for-meeting-small-1-spent-transactions/
Not sure where to post this but… I received a MC debit gift card with $4.46 balance on it. I used to transfer the balance to the Amazon gift card but now Amazon will only do transfers if the debit gift card has a $5 min balance on it. I have no clue on how to drain this debit card to zero. I prefer to spend it at Amazon but any suggestions are highly appreciated.
Don’t think it makes much sense and adds more workload, you can already look at the recently changes section to get the same info
The current thread lists all best credit card offers till date. I am suggesting a new post every month only for the best credit card offers posted that month (at the end of that month). Hope this makes sense.
USB, I don’t see a FICO option. USB = 828 Based on VantageScore® 3.0 as of 09/08/2026 My BMO checking acct online banking uses creditviewdashboard.com, just like USB. WF = 808 Updated 09/08/2026 FICO® Score 9 Experian® data BMO adverse action doesn’t say the model. Just says 734/850. Trans Union is mentioned on the letter. I guess I could try to call “recon” and see if they will tell me anything.
10/30 is too many accounts with balances, but no way could that account for a 60+ point change. Not even close. You can have up to 21% of cards showing small balances with no effect on FICO 8. So with 30 open cards, anywhere from 1-6 balances would be optimal. But again, a 60 point drop for 10/30 would be ridiculous. I wonder if BMO is using a different scoring model. Did they mention which version? BoA, Barclays and Discover are all FICO 8 (the most common). Wells Fargo gives a FICO 9 score (albeit EX) and US Bank uses FICO 10 so maybe you could compare those. Or possibly BMO was using an internal score, like Chase? I’d love to know where they got that score, it just seems ludicrous.
Partially because of the Paze promo, I have about 10 cards reporting a balance. In fact, I am thinking the opposite… It looks bad to have that many active. Total available revolving credit is almost $300K. I have 30 open CC’s, with a total “debt” balance of about $500-$1000, depending on the snapshot they took. I really think I need to start closing out some “duplicate” cards I have… PNC recently closed my $1K LOC that I had open for over 20 years, closed due to inactivity (never used it – it was opened as overdraft protection). That was my only open non-revolving account. That score doesn’t feel right to me, regardless. I pulled my FICO via Bank of America just now. 788/850. Uses Experian. Discover uses Transunion, and showing an 800 FICO for 8/27/26. Barclays, the same score, for 08/16/2026. Free FICO’s: https://www.doctorofcredit.com/comparison-free-fico-scores-banks-cus/
BMO adverse action letter states: Lack of recent installment loan information (Closed one last year after paying one monthly payment on it.) Lack of recent retail account information (Like I want a store card in the 2020’s?) Too many inquiries last 12 months (Two on TU, including this one by BMO – LOL) Too few accounts currently paid as agreed (Total BS) Used Transunion Credit Score = 734 (seems low) I think the real reason is I have too many open CC accounts (30)…
Means nothing. Marketing department is different from department that approves/disapproves. Chase keeps sending me postal mailers about their business checking bonus, but denies me when I apply.
“Lifetime” likely really doesn’t mean birth-death. I think there are some DP’s 10-ish year success DP’s. If you don’t get a pop-up when applying, you should be good to go. GL!
Chase emailing offering a 75k bonus despite knowing I’m not going to be eligible because THEY gave me a bonus a decade ago…
LoL… still waiting on my denial letter. Logged in BMO today to see they are now offering me “ pre-selected ” for the same card as before, this time with the cash back doubled for the same year. Transunion was pulled on 8/31… presumably because of my 2nd application that went pending.
Thanks, removed
“Chase Aeroplan Card: 75,000 + 25,000 Point Offer” has been dead for a minute.
Rakuten BOA travel card is $350 and it doesn’t requires any spending
Dead: “Citi AAdvantage Business 75,000 American Airlines Miles”
Removed, thanks
Received $250 BMO Cash Back MC “prescreened” bonus offer via snail mail, requires $1K spend in the first 3 months. Instantly denied. No hard pull. Weird. Tried twice. Public link: https://www.bmo.com/en-us/main/personal/credit-cards/bmo-cash-back-credit-card/ Applied via the public link, and this time the application pended. LoL
Barclays Upromise is a $100 bonus; not $300. William Charles
Car dealerships generally don’t even take credit cards. If they allow it, they usually will only allow up to a max of 3 to 5k. It’s not a surprised that they will charge a credit card fee when they make most of their money on financing deals at the dealership.
Atmos Summit isn’t 100k anymore, link doesn’t work.
Fixed thanks
Fixed thanks
Removed, thanks
I know the cost of doing business. Not my problem. I’m on this site to make money for churning credit cards with rewards and bank bonuses. Not interested in excuses that will eventually sunset this activity. Not sure why you people are here. Go after big brother red tape instead on backdooring to eliminate these rewards for the average person.
As a former small biz owner in a past lifetime…(auto diagnostics for 25 years. Honest) It was getting so hard to make a decent profit even back then. Had 4 high tech employees, plus myself, (for total of 5) workers comp insurance, shop insurance, rent, utilities, benefits for employees, taxes…etc. Bad weather killed us ..snowstorms, flooding. Back then credit cards were charging me 1.6% and AMEX was 2.7%..I feel for the small biz man today. Almost impossible to make a decent profit. Then you had state auditors checking receipts for sales taxes, Insurance checking salaries and job descriptions for workers comp insurance. Every so often I would get a letter from the IRS..”you owe 675.00 plus interest from 3 years ago!”. BS but had to pay. Just look at all the businesses today. Mostly huge chains all over. In my area, Acme grocery is owned by Safeway, Stop and Shop is owned by a European company, same with Lidl etc.. After selling a decent profit, I joined the NYPD with free benefits!! Retired now. But still with all those great benefits. Most folks don’t even know the cost of doing business. Sorry for being wordy but those are the facts. Plus a friend in the gasoline biz had a pump out of order. 1800 to repair it, not even mentioning the drivers who drive off with the nozzle still in the gas filler!! 300 to replace!!
Chase Quest 100,000 offer seems to have expired a year ago? 8/20/25. No current offer?
This page is about “sign up bonuses”. Those will basically always be worth more than 3%.