Interesting Changes to Non-Affiliate Credit Card Offers

I spent some time tonight going through all the credit card links I have on my blog — both the ones that offer me an affiliate fee and those that don’t. Remember, you’re always welcome to point me to better offers than the ones you find on my site. And please do tell me if a link is dead or giving you an offer different than what you describe so I can go fix that.

It’s interesting sometimes to hear people complain about how all bloggers talk about are the cards they get paid to promote. There’s some truth to that. One advantage of being an affiliate is that you get email updates when offers change. That makes it easy to change the marketing bullets. Other times I have to do the hard work myself. Here are some of the more interesting changes I noticed while checking up on things.

Others announced earlier that the offer for the Southwest Airlines Premier card was updated to provide 50,000 Rapid Rewards points instead of the previous 25,000 points. To compensate, the minimum spend requirement also increased to $2,000 from $1,000. That’s not news.

What I don’t remember anyone mentioning is that the AirTran A+ Rewards card offer also changed. You now receive 32 A+ points instead of the previous 16, and again the minimum spend increased from $1,000 to $2,000 within 3 months. Those 32 A+ points can be used for two AirTran flights or transfered to Rapid Rewards for any two Southwest Airlines flights.

My link to the Bank of America Hawaiian Airlines card was also dead. Going to Bank of America’s website, I couldn’t find any mention of the card at all. Did the Bank of  Hawaii version acquire a monopoly? Nope. It took some digging, but I finally did find a new link, so you can still apply for both versions of the Hawaiian Airlines card at the same time and get 70,000 HawaiianMiles. Lesson: just because the bank’s website doesn’t list it doesn’t mean it doesn’t exist.

The Barclaycard Arrival, which Amol talked about earlier for its great rewards program has decreased its bonus to a $100 flight credit from the original $200. This stinks. It actually is one of my affiliate links, and no one told me about it. However, it might still be worth getting since it offers an effective 2.2% cash back on all purchases. The sign-up bonus was never the real draw.

I also collected some damning evidence on the bait-and-switch American Express likes to pull on its existing customers. I’ll have more on this later in the week. I’m not sure it gets much attention because so many other blogs have affiliate links, where the offer is pretty much fixed. But as someone who has to rely on links from the bank’s own website, all I can say is make sure you open those offers in a Google Chrome incognito window.

On the positive side, I do have some new affiliate links from American Express and MBNA if you live in Canada. Check out this page for my list of all Canadian credit card offers. I’ll try to continue expanding on this with non-affiliate offers, as well. I’m not sure how much I can really say about them since I know our northern neighbors are a small fraction of my readership. Feel free to correct me if I’ve horribly mischaracterized them in my descriptions.

Disclosure: Some of the cards mentioned in this post may provide me an affiliate fee if you use my links to apply for them and are approved. I appreciate your support.

About Scott Mackenzie

Scott founded HMT while traveling on a budget during graduate school and stays loyal to United, Alaska, Hyatt, and Starwood.
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  • http://twitter.com/canadiankms Jeff

    Your affiliate Canadian AMEX offers are inferior.

    • sup

      Where’s Canada?

    • Scottrick

      Always good to know. I’ll spend some time tonight looking for better links. However, the updates come a lot faster when you provide it for me. More than once someone has said there’s a better option and either (1) they were wrong or (2) I couldn’t find it.

      • http://twitter.com/canadiankms Jeff

        Sure, if you want:
        http://canadiankilometers.com/go/amex-gold/ 20k + 1st year waived
        http://canadiankilometers.com/go/spg-amex/ 21k
        all the amex cards have similar higher offers.
        And also, I would say that because there are relatively limited cards in Canada, I would stay away from the BW as historically there has been a 50k bonus as well as the Choice where there has been a 40k bonus.

        • Scottrick

          Are both of these direct referrals from your own Amex account? That would explain why I don’t have access to them. I’m happy to share any others you can find.

          • http://twitter.com/canadiankms Jeff

            Yes but they are available from any Canadian cardholder and that’s why I’m hesitant to post.

          • Scottrick

            So let me get this right: I’m pointing to the best offers I can find. You say they’re not good enough. But you won’t share the better offers?

            I will share the best links I can find. If you won’t share better links, then I have already found the best ones I can find.

          • http://twitter.com/canadiankms Jeff

            Ahhh maybe I didn’t word the previous comment correctly.

            The other AMEX offers will give bonuses to the referrer, but AFAIK they don’t give anything extra to applicant.

          • Scottrick

            Fair enough, I misunderstood :) Thanks for helping out earlier with the other two links.

  • FindAWay

    Your statement “Those 32 A+ points can be used for two AirTran flights or transfered to Rapid Rewards for any two Southwest Airlines flights.” isn’t really true. First, those are CREDITS, not “points.” This is important since Southwest has old-style “credits” and new-style “points.” Second, once transferred to Southwest, they cannot be used “for any two Southwest Airlines flights” as (a) one must first create a standard award [and cannot convert credits to points] and (b) Southwest Airlines redemptions of standard awards is actually very limited (i.e., only select flights; not “any” flight like with “points”).

    • Scottrick

      Yes. But on the other hand, you’re not restricted by the price of that ticket. So while 50,000 RR points might only be worth about $800 in Wanna Get Away fares, you could theoretically use 32 RR credits (transferred from A+) for two tickets that are normally $500 or more, as long as standard award space is available. I don’t usually fly Southwest, but I also don’t usually use my awards for cheap flights. I’ve had no trouble finding award space for $500+ domestic tickets with other carriers.