There is some uncertainty, so it’s up to you whether you want to take a risk with this application. I saw it first reported on Doctorofcredit, and wanted to wait till we had some data points before covering it. The biggest issue is that the offer may be targeted (we don’t know this with 100% certainty), so proceed at your own risk.
Let’s get to it:
And here is direct application link (pays me no commission)
Here are key points:
- There is no annual fee.
- Minimum spending requirements are quite manageable at $3,000 in 3 months.
- 50,000 points are worth $500 or potentially up to $1,000 towards airfare.
Conclusion: It’s a fantastic deal! A no-brainer if everything goes according to the plan.
My experience applying for this card
After looking at data points, I knew my application would likely go to pending status. And this is indeed what happened. Dannythedealguru has provided this phone number 1(866) 811-4108 ( Bank of America reconsideration line). I called and was connected to credit analyst. I was then put on hold, and the lady came back and told me I was approved. No questions asked. Easiest reconsideration call ever!
So, to recap, this is a fantastic deal if you are willing to take a chance on it. I recommend you take a screenshot of the offer just in case. Nobody asked me about my financial relationship with Merril Lynch, but this could turn into a problem later on. I just don’t know one way or another. Otherwise, it’s a great deal. Hopefully, I just found a way to pay for my dad’s ticket to US.
The application link may die soon, so I recommend you don’t delay pulling the trigger if you can handle the risk and minimum spending requirements. It doesn’t pay me anything, so there is zero incentive to recommend it.
Readers, who is applying for this card? Please, share your experience.
Leana is the founder of Miles For Family. She enjoys beach vacations and visiting her family in Europe. Originally from Belarus, Leana resides in central Florida with her husband and two children.