Credit Card Reconsideration: What To Do If Your Credit Card Application Was Declined

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GM Business Card™

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EdwardJones BusinessPlus Mastercard

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M&T Visa® Signature

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CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

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First Command Visa Signature Cashback

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M&T Visa®

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Wyndham Rewards Earner® Plus

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M&T Visa® with Rewards

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Huntington® Cashback

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PayPal Cashback Mastercard®

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Carnival® World Mastercard®

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Key Cashback®

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Bread Cashback™ American Express®

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Wyndham Rewards Earner® Business

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USAA Cashback Rewards Plus American Express®

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FRONTIER Airlines World Mastercard®

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Citi® / AAdvantage® Executive World Elite Mastercard®

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AAdvantage® Aviator® Red World Elite Mastercard®

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M&T Secured

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Upromise® Mastercard®

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RCI® Elite Rewards® Mastercard®

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Citizens Clear Value® Mastercard®

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TD Business Solutions

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KeyBank Latitude®

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Wyndham Rewards Earner®

All

JetBlue Business

All

JetBlue Plus

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JetBlue

All

Disney® Visa®

All

Amazon Business Prime

All

Business Advantage Unlimited Cash Rewards

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Business Advantage Customized Cash Rewards

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Business Advantage Travel Rewards

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Bank of America® Customized Cash Rewards

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Bank of America® Travel Rewards

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Wells Fargo Reflect®

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Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Additional Value with Chase Travel

Get 25% more value when redeemed for travel. For example 60,000 points are worth $750 toward travel when redeemed through Chase Travel℠. Plus, Chase Travel℠ rewards points do not expire as long as the account is open.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

Free Access to your FICO® Score

View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.

Wireless Bill Discount

Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

DoorDash

Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

Citi Entertainment®

Let Citi Entertainment bring the fun to you. Through the Citi Entertainment program you can enjoy access to purchase pre-sale tickets for music, sports, culinary experiences and more — from virtually anywhere.

Travel and Emergency Services

Travel benefits your business needs including $100,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Travel and Emergency Services

Travel benefits your business needs including $1,000,000 in travel accident insurance. Additional services include auto rental insurance, emergency ticket replacement, lost-luggage assistance and legal and medical referrals when you're away from home.

Inflight Discount

Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.

Free priority boarding

Priority Boarding for any cardholder when paying for the flight with an Alaska Airlines Business card.

Free checked bag

Free checked bag for any cardholder and up to 6 guests on the same reservation when you pay for your flight with your card - that's a savings of $60 per person roundtrip!

Annual companion fare

Earn another Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more on purchases within the prior anniversary year.

Inflight Discount

Enjoy 20% back on Alaska Airlines inflight purchases when you pay with your new card.

Free Checked Bag

Free checked bag for any cardholder who purchases airfare with their card, and up to 6 additional guests traveling on the same reservation.

Free Priority Boarding

You'll enjoy priority boarding when you pay for your flight with your card, so you can get to your seat quicker.

Alaska's Famous Companion Fare™

Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more in purchases within the prior anniversary year.

Travel and Emergency Services

Travel services your business needs including $1 million in travel accident insurance, lost luggage reimbursement, trip cancellation coverage, and trip delay reimbursement.

Travel protections

Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation.

Visa Signature® Luxury Hotel Collection

Enjoy a premium set of benefits when you use your Premium Rewards® card to book through the Visa Signature Luxury Hotel Collection.

Visa Signature® Luxury Hotel Collection

Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signatureregistered® Concierge.

Travel and Emergency Services Assistance

Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.

Lost Baggage Reimbursement

Get Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier ticket with your eligible credit card.

Emergency Cash Disbursement and Card Replacement

Available whenever you're in need of a tow - for eligible Wells Fargo cardholders 24/7 with no membership required.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Travel and Emergency Assistance Services

If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

The Luxury Hotel & Resort Collection

Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.

Return Protection

With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Zero Liability Protection

Means you won't be held responsible for unauthorized charges made with your card or account information.

Trip Cancellation/Interruption Insurance

Trip Cancellation Interruption Insurance

Travel and Emergency Assistance

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Instacart+ Benefit

A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. For assistance, call 1-800-847-2869. Refer to your Guide to Benefits for more information. Terms apply.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

DoorDash

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

24/7 Fraud Monitoring

We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.

5% Cash Back on Lyft Rides

Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.

$300 Equinox Credit

Get up to $300 in statement credits each year when you pay for an Equinox+ digital subscription with live and on-demand classes, or an Equinox club membership (subject to auto-renewal) with your Platinum Card®.

$300 Annual Travel Credit

Take advantage of the most flexible travel credit available by receiving up to $300 in statement credit reimbursements each anniversary year for more of your travel purchases than any other card.

$250 Delta Stays Credit

Earn up to $250 per year as a statement credit after using your Delta SkyMiles® Reserve Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$240 Resy Credit & Global Dining Access

With Global Dining Access by Resy, unlock insider access to reservations at sought-after restaurants when you add your Delta SkyMiles® Reserve Business Card to your Resy profile through the Resy app or website. You can also take advantage of your $240 Resy Credit to earn up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants after you enroll through your americanexpress.com account.

$240 Resy Credit

Discover restaurants to love on your upcoming trip. With your enrolled Delta SkyMiles Reserve American Express Card, you can earn up to $20 per month in statement credits on eligible purchases with U.S. Resy restaurants.

$240 Flexible Business Credit

Get more for your business purchases. Earn up to $20 in statement credits each month after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required for select benefits

$200 Hilton Credit

Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass® Card. That's up to $200 in statement credits annually.

$200 Delta Stays Credit

Elevate your travel experience with an annual statement credit of up to $200 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$200 Delta Stays Credit

Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com

$200 Delta Flight Credit

Get a head-start on your next adventure, compliments of your Card. After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel.

$200 Delta Flight Credit

Enjoy a $200 Delta Flight Credit after spending $10,000 in a calendar year with your Delta SkyMiles® Gold Business American Express Card, redeemable for future Delta flight bookings.

$200 Airline Fee Credit

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card Account.American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. See terms & conditions for more details.

$200 Airline Fee Credit

Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.

$199 CLEAR® Plus Credit

CLEAR uses unique attributes, such as eyes or fingerprints, to help its members move faster through security available at 100+ airports, stadiums, and entertainment venues. You can cover the cost of a CLEAR membership with up to $199 in statement credits per year after you pay for CLEAR with your Business Platinum Card.

$199 CLEAR® Plus Credit

CLEAR® uses unique attributes, such as eyes or fingerprints, to digitally verify identity to help its members move faster through security at select airports nationwide. You can cover the cost of a CLEAR Plus membership with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with your Platinum Card®.

$180 Home Chef Credit

Choose the best Home Chef meal kit for you. Get up to $15 in statement credits back per month after you use your enrolled Blue Cash Everyday® Card to purchase a Home Chef subscription.

$155 Walmart+ Credit

A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart, free same-day delivery of groceries from store (where available, subject to order minimum), & more. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive a statement credit for up to $12.95 (plus applicable taxes) that covers the full cost (excluding any Plus Up Benefits) each month.

$155 Walmart+ Credit

Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Business Gold Card.

$150 Delta Stays Credit

Elevate your travel experience with an annual statement credit of up to $150 after using your Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$150 Delta Stays Credit

Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

$125 Annual United Purchase Credit

You'll automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your United Quest Card each account anniversary year.

$120 Rideshare Credit

Get rewarded to and from the airport. Enroll and earn up to $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. That's up to $120 back each year.

$120 Rideshare Credit

$120 Resy Credit

When you use your enrolled Delta SkyMiles(R) Platinum American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $10 back each month in statement credits.

$120 Resy Credit

With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.

$120 Equinox+ Credit

Work out at home with Equinox+ and get up to $120 back annually. Use your Blue Cash Preferred® Card to pay for a subscription1 to Equinox+ at equinoxplus.com and receive $10 in monthly statement credits.

$120 Dining Credit

Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Effective September 26, 2024, Milk Bar and Shake Shack will no longer be participating partners for the $120 Dining Credit and 'Enrollment required' for select benefits

$100 United Travel Credit

Earn a $100 United travel credit after 7 United flight purchases of $100 or more within each card anniversary year.

$100 Delta Stays Credit

Get up to $100 back per year as a statement credit after using your Delta Gold Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com/stays.

$100 Annual Hotel Savings Benefit

Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year.

$84 Disney Bundle Credit

Get a $7 monthly statement credit after using your enrolled Blue Cash Preferred® Card to spend $9.99 or more each month on a subscription1 to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.

Priority Boarding for you and any authorized users

You and any authorized users on your account are eligible for Priority Boarding on Aer Lingus flights departing from and returning to the US from Ireland, subject to availability.

Zone 5 Priority Boarding

Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.

Zone 5 Priority Boarding

Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.

Zone 5 Priority Boarding

Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight with Zone 5 Priority Boarding.

Zero liability protection

You won’t be held responsible for unauthorized charges made with your card for account information. If you see an unauthorized charge, simply call the number on the back of your card.

Zero Liability Protection

You won't be held responsible for unauthorized charges made with your card or account information.

Visa Infinite® Concierge Services

Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.

Visa Concierge

Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Visa Concierge

Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Visa Concierge

Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Visa Concierge

Get complimentary Visa Signature Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Use your Travel Together Ticket

Earn a Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flight.*Opens offer details overlay For more details, visit ba.com/TravelTogetherTicketOpens Overlay.

Upgraded Boardings

4 Upgraded Boardings per year when available.

Upgrade to Hilton Honors™ Diamond Status

Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.

Upgrade Priority

With your Delta SkyMiles Reserve American Express Card receive upgrade priority over other Medallion members within the same Medallion level and fare class grouping.

Up to 10,000 miles in award flight credits each year

Starting with your first anniversary, you'll get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles - up to 2 times every anniversary year.

Up to $600 Reward Flight Statement Credits

Receive statement credits of $100 for Economy and Premium Economy - or $200 for Business and First Class seats - three times per year, up to $600, when you book a reward flight to London travelling on British Airways and pay taxes, fees and carrier charges with the British Airways Visa Signature® Card.

Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.

Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.

Unlimited tier qualifying points (TQPs)

Unlimited tier qualifying points (TQPs): Earn 1,500 TQPs toward A-List status for every $10,000 you spend–there is no limit on the amount of TQPs you can earn.

Unlimited tier qualifying points (TQPs)

Earn 1,500 tier qualifying points toward A-List status for every $5,000 spent – with no limit on the amount of TQPs you can earn.

Unlimited Cashback Match

Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we'll match. So you could turn $50 cash back into $100. Or $100 into $200.

Unlimited Cashback Match

United Club membership

Enjoy a United Club membership – up to a $650 value per year – as long as you remain a Cardmember. United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks before your flight. The primary Cardmember and eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.

United Card Events from Chase and United MileagePlus Events

Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events. Please visit to learn more.

United Card Events from Chase and United MileagePlus Events

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip delay protection

Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather, mechanical breakdown of the common carrier or air traffic control delays

Trip Delay Insurance

Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period.

Trip Delay Insurance

If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply.

Trip Delay Insurance

If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $500 per trip, maximum 2 claims per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.

Trip Delay Insurance

If a round-trip is paid for entirely with your eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $500 per trip, maximum 2 claims per eligible Card per 12 consecutive month period.

Trip Delay Insurance

If a round-trip is paid for entirely with your eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same eligible Card, up to $300 per trip, maximum 2 claims per eligible card per 12 consecutive month period.

Trip Delay Insurance

If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Delay Insurance

Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your eligible Card on or after January 1, 2020, and a covered reason delays your trip more than 6 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased with your same eligible Card, up to $500 per trip, maximum 2 claims per eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.

Trip Delay Insurance

Trip Delayed? If you purchase a round-trip entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, we may be able to help.

Trip Cancellation/Interruption Insurance

Trip Cancellation-Trip Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Cancellation-Interruption Insurance

Trip cancellation and interruption reimbursement

Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your passenger fare is booked with your Bilt Mastercard®.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Traveler credit card.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier Business Credit Card.

Save 20% on reward points purchases

Save 20% when you purchase points with your IHG One Rewards Premier credit card.

Roadside Dispatch®

Roadside Dispatch

If you have a roadside emergency, call 1-800-847-2869 anytime to dispatch the help you need ' anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

Roadside Dispatch

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.

Purchase Protection

When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.

Purchase Protection

Shop with added confidence and Purchase Protection♦, which can help protect Covered Purchases made with your Eligible Card against accidental damage and theft for up to 90 days from the Covered Purchase date. Coverage Limits Apply.

Purchase Protection

When an American Express Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

Hilton Honors Silver Status

Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.

Hilton Honors Gold Status

As a Platinum Card Member, enroll to receive complimentary Hilton Honors Gold Status.

Hertz President's Circle® Status

Transform your car rental experience with Hertz President's Circle Status, compliments of your Delta Reserve Card.

Hertz Five Star® Status

Transform your car rental experience with Hertz Five Star Status, compliments of your Delta Platinum Card.

Help Keep Your Identity Safe

The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more

Gold Elite Status

Earn IHG One Rewards Gold Elite Status after you spend $20,000 on purchases each calendar year.

Global Entry, TSA PreCheck® or NEXUS Statement Credit

Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.

Global Entry, TSA PreCheck® or NEXUS Statement Credit

Credit of up to $100 ($120 starting 10/1/24) every 4 years as reimbursement for the application fee charged to your card.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers.

Global Assist® Hotline

Whenever you travel more than 100 miles from home, Global Assist® Hotline is available for 24/7 medical, legal, financial and other select emergency assistance and coordination services, such as medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.

Get a 10% discount on airfare

Use your Iberia Visa Signature Card to book your flight on iberia.com/Chase10Opens Overlay, and you will receive a 10% discount.

Free Night Reward

Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card account in a calendar year.

Free Night Reward

Earn one Free Night Reward from Hilton Honors after spending $15,000 on purchases on your Card in a calendar year.

Free First Checked Bags

Cardmembers and travel companions (up to eight) traveling on the same reservation will all enjoy free first checked bags (up to 50lb) when travel originates on an Air Canada flight.

Free first checked bag

The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .

Free first checked bag

Free first and second checked bags

The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .

Free first and second checked bags

Free Access to your FICO® Score

View your FICO Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile App and Citi Online. See the key factors affecting your score and more.

First checked bag free

As a benefit of Card Membership, you can check your first bag free on Delta flights booked with your Card. You can save up to $70 on a round-trip Delta flight per person. For a family of four that's a potential savings of up to $280 per round-trip flight

First checked bag free

Enjoy your first checked bag free on Delta flights.

First checked bag free

As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round trip Delta flight.

First checked bag free

You can check your first bag for free and save up to $60 on a round-trip Delta flight.

First Checked Bag Free

Enjoy your First Checked Bag Free on Delta Flights.

Fine Hotels + Resorts® Program

When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts. When you book through American Express Travel, you'll receive an average total value of $600 in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards points, or use Pay with Points, on prepaid stays with a minimum 2-night stay required to be eligible for the benefit.Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, noon check-in when available, and complimentary wi-fi. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

Fine Hotels + Resorts® Program

Your experience is everything — so create new memories with exceptional value. Explore over 1,500 properties worldwide and bask in benefits. When you book Fine Hotels + Resorts®‡ through American Express Travel, you can receive a suite of benefits with an average total value of $6008 in perks.

FICO® Credit Score

Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.

FICO® Credit Score

Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.

Fee Credit for Global Entry or TSA PreCheck®

Keep long airport lines from slowing you down. Basic Card Members can receive a statement credit for a five-year membership every 4 years after applying for Global Entry ($100) or every 4.5 years after applying for TSA PreCheck® (up to $85) through a TSA PreCheck official enrollment provider and pay the application fee with your Delta SkyMiles® Reserve Business American Express Card.

Fee Credit for Global Entry or TSA PreCheck

Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Platinum American Express Card If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.

Fee Credit for Global Entry or TSA PreCheck

Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership through any TSA Precheck official enrollment provider (up to $85) when you pay the application fee with an eligible Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.

Fee Credit for Global Entry or TSA PreCheck

Receive a fee credit for TSA PreCheck® or Global Entry (which includes TSA PreCheck) by using your Card. If approved for Global Entry, you will also receive access to TSA PreCheck at no additional charge.

Extended warranty protection

Extends the time period of U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

When you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

What if the color fades on your new flat-screen TV? Or your food processor starts rattling instead of slicing and dicing? Chances are it will happen right after the Manufacturer's Warranty runs out. Fortunately, when you use your Eligible Card to make a Covered Purchase, you can get up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories.

Extended Warranty

Why is it that as soon as a Manufacturer's Warranty runs out, something always seem to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. Please read important exclusions and restrictions.Coverage limited to the actual amount charged on your Card for the item up to $10,000 per item and $50,000 per calendar year.

Extended Warranty

Why is it that as soon as a Manufacturer's Warranty runs out, something always seems to happen? Use your Eligible Card for Covered Purchases and you can have warranty protection for longer. Extended Warranty matches the Original Manufacturer's Warranty for up to one additional year when you use your Eligible Card. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.

Extended Warranty

With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.

Extended Warranty

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

Emergency Evacuation and Transportation

Elite Status Level up

Earn an Elite Status Level Up of one tier to 35K Status or higher for existing status holders with $50,000 in account spend during a calendar year.

Elite Night Credits

Each calendar year you can receive 15 Elite Night Credits towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.

Earn up to 10,000 Premier qualifying points (PQP) per calendar year

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Club Card (up to 10,000 Premier qualifying points per calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Earn up to 6,000 Premier qualifying points (PQP)

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Quest Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Earn up to 5 Avios per $1 spent

Earn 5 Avios for every $1 spent on gas, grocery stores and dining for the first 12 months of account opening, or until you reach $10,000 in combined purchases. Normally, these category purchases earn 1 Avios.

Earn up to 5 Avios per $1

Earn Premier qualifying points (PQP)

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your United℠ Business Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Earn Premier qualifying points (PQP)

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Explorer Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Earn & Redeem Free Nights

Get one Free Night Award every year, after your Card renewal month. And earn another Free Night Award after you spend $60,000 in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at over 7,000 hotels participating in the Marriott Bonvoy program worldwide. Certain hotels have resort fees.

EarlyBird Check-In®

2 EarlyBird Check-In® each year.

EarlyBird Check-In®

2 EarlyBird Check-In® each year

Double Points

DOUBLE POINTS ON THE 1st OF EACH MONTH - Earn 6X points on dining, 4X points on travel, and 2X points on other purchases (except rent).

DoorDash

Get complimentary access to DashPass – a membership for both DoorDash and Caviar – a value of $120 for 12 months - which unlocks $0 delivery fee and lower service fees on eligible orders for a minimum of one year when you activate by Dec 31, 2027. Plus, DoorDash members get up to $10 off a month on non-restaurant DoorDash orders.

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

DoorDash

Companion Travel Certificate

Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles(R) Platinum Business American Express Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

Companion Certificate

Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card.

Commercial Airline Companion Ticket each year

Every calendar year you make purchases of $30,000 on your Aer Lingus Visa Signature Card, you'll receive an economy companion ticket good for 12 months.

Citi® Quick Lock

Misplaced your card? Use Citi Quick Lock to instantly block new charges, while allowing recurring charges to continue without disruption. It buys you peace of mind and time to find your card.

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance

When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance

Getting into your Rental Vehicle can be the start of a great vacation. When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Auto Rental Collision Damage Waiver

Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt Mastercard.

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.

Annual Companion Certificate

Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American round-trip flights each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

7,500 points every year

7,500 points every year on your Cardmember anniversary.

6,000 anniversary points each year

Receive 6,000 bonus points each year after your Cardmember anniversary.

5% Cash Back

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

5% Cash Back

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Credit Card Reconsideration: What To Do If Your Credit Card Application Was Declined

Financial Planning

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Credit Cards

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February 10, 2025

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Credit Card Reconsideration: What To Do If Your Credit Card Application Was Declined

"Turn A 'No' Into A 'Yes': Mastering The Art Of Credit Card Reconsideration"

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Getting declined for a credit card is disappointing, but it's not always the final word. Many credit card issuers have reconsideration departments that you can contact to review your application. This article provides actionable tips and valuable insights to help you get your application reconsidered and approved.

First Thing First

Before making that crucial reconsideration call, here are some preparatory steps to consider:

1) Prepare an Explanation

Have a valid reason ready to explain why your application deserves another look. For example, point out a strong banking relationship with the issuer or correct any errors on your credit report.

2) Explain Why You Applied

Provide a solid rationale for why you need the card, especially if your credit report shows multiple existing cards. For example, specify the rewards or benefits that attracted you to the card.

3) Use Negotiation Skills

Offer to start with a lower credit line or propose reallocating your existing credit line with the same issuer to the new card.

4) Not Every Decision Can Be Overturned

Some reasons for decline, like too many recently opened accounts, are non-negotiable.

How to Reconsider an Application with Each Bank and Some Great Phone Call Tips

American Express

Contact: 1-800-567-1083
Reconsideration Period: Up to 30 days without a new credit pull; up to 90 days with a new pull.
Phone Call Tips: Offer to close or reallocate an existing Amex card; sending a bank statement may suffice if tax returns are requested.

Avianca Bank

Contact: 1-844-343-1010
Reconsideration Period: Up to 30 days.
Credit Pull: None.

Bank of America

Contact: Business Cards: 1-888-569-4439
Reconsideration Period: Up to 30 days.
Credit Pull: New hard pull required.
Phone Call Tips: Mention a good banking relationship; request a different credit bureau if Experian is frozen.

Barclays

Contact: 1-866-408-4064
Reconsideration Period: Up to 30 days.
Credit Pull: None for the same day; variable thereafter.
Phone Call Tips: Request to match your highest existing credit limit; propose reallocating an existing Barclays limit.

Chase

Contact: 1-888-609-7805
Reconsideration Period: Up to 30 days.
Credit Pull: None.
Phone Call Tips: Explain authorized user accounts; offer to reallocate an existing Chase credit limit.

Citi

Contact: 1-800-695-5171
Reconsideration Period: Up to 30 days.
Credit Pull: Usually new hard pull required.
Phone Call Tips: You'll likely get declined again if nothing has changed on your credit report or income.

Capital One

Contact: 1-800-625-7866
Reconsideration: Only for errors like incorrect SSN.

Citizens Bank

Contact: 1-800-930-8916
Reconsideration: Case-by-case basis.
Credit Pull: None.

Discover, Fidelity Bank, HSBC Bank, Key Bank, Synchrony Bank, TD Bank

Reconsideration: Not available.

US Bank

Contact: 1-800-685-7680
Reconsideration Period: Up to 30 days.
Credit Pull: None.

Wells Fargo Bank

Contact: 1-866-412-5956
Reconsideration Period: Up to 60 days.
Credit Pull: Only if there's a negative change on your report.

Please Note: This article is based on collective experiences and data points, and results may vary.

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Credit Card Reconsideration: What To Do If Your Credit Card Application Was Declined

First Thing First

1) Prepare an Explanation

2) Explain Why You Applied

3) Use Negotiation Skills

4) Not Every Decision Can Be Overturned

How to Reconsider an Application with Each Bank and Some Great Phone Call Tips

American Express

Avianca Bank

Bank of America

Barclays

Chase

Citi

Capital One

Citizens Bank

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