{"id":2169,"date":"2021-08-05T04:00:00","date_gmt":"2021-08-05T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=2169"},"modified":"2023-04-18T12:23:25","modified_gmt":"2023-04-18T18:23:25","slug":"bank-of-america-on-our-minds","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2021\/08\/05\/bank-of-america-on-our-minds\/","title":{"rendered":"Bank of America on our Minds"},"content":{"rendered":"<p>Bank of America is a strange bank, and the Alaska Airlines card is even stranger. Often, you can find about twelve variations of the sign-up bonus for the personal card by looking in different places, like in-flight, at the gate, at the check-in counter, online, or by calling and asking. There\u2019s a new variation which as far as I can tell is the best offer they\u2019ve come up with that\u2019s publicly available over the internet <s>(you\u2019ll currently find it by searching Google for \u201c<a class=\"ek-link\" href=\"https:\/\/www.google.com\/search?q=alaska+airlines+visa\">alaska airlines visa<\/a>\u201d and clicking the sponsored link, which probably costs BoA about $4 per click)<\/s> <em>Update<\/em>: Thanks to <a class=\"ek-link\" href=\"https:\/\/viewfromthewing.com\/author\/viewfromthewing\/\">Gary from VFTW<\/a> who wrote in to share a better public offer than the google search method. Links and text below have been updated to include the better offer. <\/p>\n<p>As usual, I\u2019m not here to push credit cards on you but I am here to help you maximize them if and when you apply. To that end, here\u2019s the current offer from the above Google search:<\/p>\n<ul>\n<li><a class=\"ek-link\" href=\"https:\/\/secure.bankofamerica.com\/apply-now-services\/credit-cards\/initialize-icai?requesttype=C&amp;productoffercode=TG&amp;locale=en_US&amp;campaignid=4053286\">67,000 miles after $8,000<\/a> spend within 180 days. The annual fee is $75, and is not waived for the first year.<\/li>\n<\/ul>\n<p>Note that BoA personal cards have anti-churning language that\u2019s not present on the business cards, and the personal cards have the 2\/3\/4 rule, which basically boils down to you can only get two BoA personal cards every two months, three personal cards every 12 months, and four personal cards every 24 months.<\/p>\n<p>By itself, the card is mildly interesting, but because it\u2019s BoA and it pairs well with BoA business cards, it can become intriguing:<\/p>\n<ul>\n<li>BoA is a great target for <a class=\"ek-link\" href=\"https:\/\/www.walmart.com\/cp\/bill-pay\/8721209\">CheckFreePay<\/a>, and historically they\u2019ve been extremely liberal on getting payments from the service<\/li>\n<li>BoA will only make one hard pull of your credit a day regardless of the number of applications<\/li>\n<li>BoA will let you open \u201ca few\u201d business cards back-to-back, even following a personal card application<\/li>\n<\/ul>\n<p>So if you want Alaska miles (like to use 70,000 miles to Japan in JAL First or 60,000 miles to Japan in JAL Business class), I\u2019d suggest the following steps:<\/p>\n<ol>\n<li>Sign up for a <a class=\"ek-link\" href=\"https:\/\/secure.bankofamerica.com\/apply-now-services\/credit-cards\/initialize-icai?requesttype=C&amp;productoffercode=TG&amp;locale=en_US&amp;campaignid=4053286\">personal Alaska card<\/a><\/li>\n<li>Sign up for a <a class=\"ek-link\" href=\"https:\/\/www.alaskaair.com\/content\/credit-card\/visa-small-business-card\">business Alaska card<\/a><\/li>\n<li>Sign up for a MilesEarnAndBurn\u2019s Unsung Hero <a class=\"ek-link\" href=\"https:\/\/milesearnandburn.com\/index.php\/2021\/02\/05\/bank-of-america-business-cash-rewards-shenanigans\/\">BoA Business Rewards card<\/a> (<a class=\"ek-link\" href=\"https:\/\/secure.bankofamerica.com\/applynow\/initialize-workflow.go?requesttype=BCC&amp;campaignid=4051533&amp;productoffercode=MP\">here\u2019s a link<\/a> for a $750 sign up bonus, no annual fee)<\/li>\n<li>Repeat steps (2) and\/or (3) while you\u2019re still getting decent sized credit lines<\/li>\n<\/ol>\n<p>In the end, you\u2019ll have one hard pull, one new account on your credit report (the personal card), hopefully a handful of new business cards, and a few great targets for CheckFreePay and other shenanigans.<\/p>\n<div class=\"wp-block-image is-style-editorskit-rounded\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" alt=\"\" class=\"wp-image-1479\" height=\"280\" loading=\"lazy\" sizes=\"auto, (max-width: 420px) 100vw, 420px\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2021\/04\/party.jpeg\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2021\/04\/party.jpeg 420w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2021\/04\/party-300x200.jpeg 300w\" width=\"420\"\/><figcaption>Yes, this image is a repeat but I\u2019m too proud of it to not bring it back for this article. Thanks again to Danny for the inspiration for the picture. <\/figcaption><\/figure>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America is a strange bank, and the Alaska Airlines card is even stranger. Often, you can find about twelve variations of the sign-up<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":2,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54,62],"tags":[],"class_list":["post-2169","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-shenanigans"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/2169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=2169"}],"version-history":[{"count":9,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/2169\/revisions"}],"predecessor-version":[{"id":7234,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/2169\/revisions\/7234"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=2169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=2169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=2169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}