Info on Multiple Credit Card Applications Spree Day! Stay Organized

Best College Student Travel Rewards Credit CardsIt’s not uncommon to be approved for 10+ credit cards on a single day. Especially if you are new to miles and points and have lots of credit card opportunities. As you become more advanced, your choices become limited.

A good first credit card application spree will include some (or all) of the following cards:

  1. Chase Sapphire Preferred (personal)
  2. Chase Ink Plus (business)
  3. American Express Starwood Preferred Guest (personal)
  4. American Express Starwood Preferred Guest (business)
  5. American Express Business Rewards Gold (business)
  6. American Express Premier Rewards Gold (personal)
  7. Citi Hilton Hhonors Reserve (personal)
  8. Chase Hyatt (personal)

The direct links are constantly changing so do a google search to find the most current offer or find a link from the bank website.

After being approved and meeting the minimum spend requirements for all eight cards you will have the following points:

  • 98,000 Chase Ultimate Reward Points
  • 60,000 Starwood Preferred Guest Points
  • 82,000 Amex Membership Reward Points
  • 2 Weekend Night Certificates at any Hilton property in the world.
  • 2 Free nights at any Hyatt property in the wold

Wow! If you are new to miles and points your world has just changed. New opportunities are now at your fingertips! And this is just your first application spree! Do this 4 times/year and you are really earning some serious points. This is how I have earned over 1,000,000 miles and points in 12 months.

Is 8 cards reasonable?

Yes. However, everyone has a different comfort level. There’s nothing wrong with picking one or two from the list.

What I would not do is string out your applications over a period of a few days or weeks. I generally apply for cards every 4 months with nothing in-between. This is a better strategy than applying for one new card every month or two.

It may be advisable to pick one card from each bank above (Amex, Chase, and Citi) and apply for those three. As you gain confidence and experience you pick from the remaining cards for your next application spree. This is the easiest route.

During my first application spree I applied for 5 credit cards and was approved for all 5. I was tentative but it was important for me to gain a a comfort level. I monitored mu credit score and after seeing it creep up a few months later after applying for 6 cards I gained confidence.

Are you comfortable with the minimum spend?

Make sure you are confident you can meet the minimum spend required to earn the bonus points. (See my 40+ ideas to complete your credit card minimum spending requirements)  If you can think creatively you will never have an issue with minimum spend requirements. The Bluebird / Vanilla Reload combination allows you to easily run $5,000 through a credit card (or cards) every month.

The limiting factor for me is the amount of credit card approvals I can receive, not minimum spending requirements.

Stay organized

I keep track of my credit card applications. Once I’m approved and receive the card in the mail I use a simple spreadsheet to stay organized. Here are the columns I use in my spreadsheet:

  • account owner (me or my wife)
  • card name
  • username
  • password
  • account number
  • application date
  • activation date
  • annual fee
  • minimum spend requirements
  • point bonus
  • notes

Multiple Browsers?

When applying to multiple credit cards from the same bank on the same day (ie: Chase Sapphire Preferred and Chase Ink Plus) some suggest filling out the online applications in separate web browsers and submitting simultaneously. I’ve never used this strategy and am routinely approved for multiple cards from the same bank on the same day.

What do I do if I’m not instantly approved?

In my next article I will explain what can be done if someone doesn’t get approve for a credit card.

For more information please contact me and i’ll be glad to help and answer any questions!

2 thoughts on “Info on Multiple Credit Card Applications Spree Day! Stay Organized

  1. Generally I don’t read article on blogs, but I wish to
    say that this write-up very forced me to take a look at and do it!
    Your writing style has been amazed me. Thanks, quite nice

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