Strategy to obtain US Amex

[_TheTraveller_]

Co-branded business cards cannot be added to digital wallets for some strange reason: Accepted cards | Digital Payments | Chase.com

I saw the website as well and just thought it had been out of date!

Thanks for confirming. I called Chase and they said it should be possible but I don't know who to believe. They said to call the tech line tomorrow morning but I might not bother given that you've also confirmed the same thing.

 

[levelnine]

I saw the website as well and just thought it had been out of date!

Thanks for confirming. I called Chase and they said it should be possible but I don't know who to believe. They said to call the tech line tomorrow morning but I might not bother given that you've also confirmed the same thing.

I never got it to work, so gave up and just used the physical card.

 

[Igreen]

Co-branded business cards cannot be added to digital wallets for some strange reason: Accepted cards | Digital Payments | Chase.com

IHG Biz (Mastercard)u cannot add but Hyatt Biz (Visa) u can. Something with Mastercard. However, personal card are not an issue. Chase has a public website that states which cards cannot be added to digital wallet. Accepted cards | Digital Payments | Chase.com

 

[_TheTraveller_]

@levelnine and others in the Chase game.

Any consensus for velocity with Chase? Better off 1/90? I'm keen for the Aeroplan card given the 75/100K offer available at the moment but I've just been approved for IHG last year. Have some OS travels coming up so it would be good to get a personal card rather than putting $$ on a biz card.

 

[levelnine]

@levelnine and others in the Chase game.

Any consensus for velocity with Chase? Better off 1/90? I'm keen for the Aeroplan card given the 75/100K offer available at the moment but I've just been approved for IHG last year. Have some OS travels coming up so it would be good to get a personal card rather than putting $$ on a biz card.

Should be fine if your overall velocity with Chase is low. My P2 has already opened and completed the spend on their third Ink of 2024.

With that said, it's a bit more of a black box at the moment. Chase significantly changed its approval rules around business cards this year.

Last year, the taps were truly turned to full. Although the public rule is 1/90, in private people were hitting Chase much, much harder than that. The only restriction was keeping your overall credit limit under ~50% of stated income.

They've significantly clamped down this year. It looks like there's now a soft limit of 4-5 business cards open at any one time.

As you're looking at a personal card, I don't think any of this directly applies to you, but FYI.

 

[_TheTraveller_]

Should be fine if your overall velocity with Chase is low. My P2 has already opened and completed the spend on their third Ink of 2024.

With that said, it's a bit more of a black box at the moment. Chase significantly changed its approval rules around business cards this year.

Last year, the taps were truly turned to full. Although the public rule is 1/90, in private people were hitting Chase much, much harder than that. The only restriction was keeping your overall credit limit under ~50% of stated income.

They've significantly clamped down this year. It looks like there's now a soft limit of 4-5 business cards open at any one time.

As you're looking at a personal card, I don't think any of this directly applies to you, but FYI.

Thanks.

Just a bit more concerned on the shut down front. I'm sitting about 29% of stated income so hoping to round things up with Aeroplan and Hyatt then move on to just close/churn inks afterwards.

3/23: CSP
8/23: CIP
1/24: CIC
4/24: IHG

I think it's fairly spread out but I don't know how it compares to others.

3 inks in the first 4 months is pretty full on. Not concerned about shut downs?

 

[levelnine]

Not concerned about shut downs?

The worst that will happen is denial. Chase aren't shutting people down for trying to open 5 cards in 12 months. They shut down for financially risky activities (maxing out all your credit lines, especially with a bunch of new accounts and especially on purchases that look fraudulent — gift cards, etc) & rewards abuse.

 

[dein_gesicht]

I tell you what, seeing your points disappear from your AU account and waiting to appear in your US account never gets any easier

 

[levelnine]

I tell you what, seeing your points disappear from your AU account and waiting to appear in your US account never gets any easier

More than offset by the joy of their arrival in the promised land!

 

[dein_gesicht]

More than offset by the joy of their arrival in the promised land!

Not many people I know refer to the US as the promised land

 

[QF_Flyer]

No . I meant one does not need to wait for 10 days if one is an established Amex customer . That’s what the last csa mentioned to me .

I've had to wait 10 days each time, seems to be more common than not, but if you can avoid it then doesn't hurt to ask, worst that'll happen is they'll say call back after 10 days.

 

[QF_Flyer]

I've read (but have no first hand experience) of government payments earning at the usual rate on US Amex cards.

I'm just not sure the loss on forex is worth the marginal increase in earn.

They do, in fact any non-Aussie card, Amex or otherwise, pays out as a normal purchase on Aussie government spend (my experience is Amex US and Amex/Visa/MC UK, variety of points and cashback).

 

[mike0430]

Hi All,
I have over 6 years credit history, and recently received my ITIN. I applied ITIN so I could apply chase, I wonder if I need to call amex and ask them to link my credit history with my ITIN number beofre applying chase?
I noticed lots of member here applied biz card, could someone please let me know if I need to have EIN before applying biz card?Some of the biz card SUB are really attractive.
Appreciate all your help!

 

[_TheTraveller_]

Hi All,
I have over 6 years credit history, and recently received my ITIN. I applied ITIN so I could apply chase, I wonder if I need to call amex and ask them to link my credit history with my ITIN number beofre applying chase?
I noticed lots of member here applied biz card, could someone please let me know if I need to have EIN before applying biz card?Some of the biz card SUB are really attractive.
Appreciate all your help!

You can apply for a biz card with an ITIN. Chase will not accept your application with <12m history and that needs to be reported history. You don't need Amex to link your ITIN but usually a sure way to link your ITIN to your existing Amex records is to apply for another Amex with your ITIN.

Edit: I would wait 13-14 months before attempting with Chase.

 

[mike0430]

Thanks, I will see if I can find any NLL charge card so I can apply with ITIN. I am currently over the personal card limit already.
For biz card application, I shall put ITIN under both "FEDERAL TAX ID" & "SOCIAL SECURITY NUMBER" ? Thanks.

 

[_TheTraveller_]

Thanks, I will see if I can find any NLL charge card so I can apply with ITIN. I am currently over the personal card limit already.
For biz card application, I shall put ITIN under both "FEDERAL TAX ID" & "SOCIAL SECURITY NUMBER" ? Thanks.

I haven't applied with Amex for a while so I can't comment on that.

 

[levelnine]

For anyone churning Biz Plats, MSR has increased to $20K. Unless you are in desperate need of the card, I'd wait until the new 300K SUB becomes easily replicable before applying.

 

[_TheTraveller_]

For anyone churning Biz Plats, MSR has increased to $20K. Unless you are in desperate need of the card, I'd wait until the new 300K SUB becomes easily replicable before applying.

I saw... I was hoping to get 15K with 250K SUB I managed to get 250K sub with 20k spend which is brutal for 3 months.

 

[levelnine]

I saw... I was hoping to get 15K with 250K SUB I managed to get 250K sub with 20k spend which is brutal for 3 months.

250/20 isn't particularly competitive now unfortunately. I'd take 150/10 Biz Gold over that, unless you're waiting out your 90 day period for that one.

 

[_TheTraveller_]

250/20 isn't particularly competitive now unfortunately. I'd take 150/10 Biz Gold over that, unless you're waiting out your 90 day period for that one.

Already on the Biz gold ... just biding my time with Chase cards. I would like the VX but no luck with the pre-approval tool.