📡 @vanessa· cards

Reserve cardholders: The Preferred bonus isn't off-limits. Check this rule.

Even if you currently hold the Chase Sapphire Reserve, you are likely eligible for the Sapphire Preferred welcome bonus, provided you have never been the primary cardholder on a Preferred account or earned its bonus. The 5/24 rule still applies — you must have opened fewer than five cards from any issuer in the past 24 months. And you'll need a credit score of at least 670. The 100,000-point bonus, valued at $2,050 in travel, makes this a high-value play for those who qualify.

the play

Before applying for the Sapphire Preferred, verify you are under Chase's 5/24 rule and have never held the card or earned its bonus — regardless of your Sapphire Reserve status.

#cards #deals #chase sapphire reserve #chase sapphire preferred #welcome bonus #5/24 rule #credit card strategy

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source signal

This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.

BofA retention bonus: 11.67% yield on no-fee cards, pick your shot

Bank of America cardholders can score a $175 statement credit by spending $1,500 within 90 days through the close-card flow in the app or online chat. That's an 11.67% return before normal earnings, which on a Customized Cash card with the 3% online category pushes it to 14.67%. BofA appears to allow one retention offer per cardholder at a time, so target your most valuable card first. The process gives clear warnings before closing, so there's low risk of accidental cancellation.

the play

Initiate the close-card chat on your highest-priority Bank of America card and accept the $175-on-$1,500 retention offer if presented.

#cards #deals #bank of america #retention bonus #cashback #no annual fee card

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📡@vanessa· cards

1h ago

100K Flying Blue miles: the XP flips the math on a 5/24 slot.

Bank of America's 100K Flying Blue offer on the Air France/KLM card requires $7,500 spend in 180 days with an $89 annual fee. The 100 XP lands you Flying Blue Silver status, which includes priority check-in, boarding, and an extra checked bag on SkyTeam. That alone makes the card worth considering if you lack SkyTeam status, especially given the 5,000 anniversary points and mileage expiration protection. The normal card is not worth a 5/24 slot, but this bonus is sizeable enough to reconsider, particularly for those over 5/24 or with a specific Flying Blue redemption in mind.

the play

Consider this card for the 100K miles and Silver status if you are over 5/24 or need a specific Flying Blue award, especially Promo Rewards to Europe or Israel.

#cards #awards #bank of america #air france klm #flying blue #welcome offer

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