Approved for US Airways Mastercard - OMFG

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Yoshiofthewire
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Approved for US Airways Mastercard - OMFG

Postby Yoshiofthewire » Tue Sep 23, 2014 11:25 pm

So, I ran in to a problem that My wife and I live in different US Airway Hub cities.
The only Miles card I have is my AmEx PRG, which doesn't transfer well to US Air.

1000:1000 Amex to aeroplane
1191:1000 aeroplane to US Airways (points.com)

It transfers just terrible to American.

3000:999 Amex to SPG
1000:1000 SPG to American

I'm flying US Airways soon, so I decided to get a US Airways Mastercard that when I use these point for a rewards flight to Europe (and my wife and I live on the same side of the country) I can convert in to an Arrive.

Time to process, Less than 5 seconds.
Credit limit: $20,000 ?!?!?!

When I reported my income I didn't include my wife's income.
My wife already has one of these of her own.
While I am on a bunch of my wife's cards, she is on none of mine.
This card is not an insignificant % of my total yearly income.
I can only say that whoever coded this approval bot is a MORON,

Besides at a BASE interest of 16% I am NEVER carrying a balance on this thing.
Not when I have Discover It at 11%. (0% through March)

Now all I have to do is figure out what I am doing with my AmEx before the AF comes up again. I'm thinking kill it and get either a AmEx BCE or AmEx ED

My spend doesn't make any AF worthwhile.
Maybe I should have kept my Zinc card...
[size=60]
American Express PRG - NPSL ('10) - NONE - Replace with BCE in 2015
US Airways barclaycard - $20,000 ('14) - Catch All - PC to Arrival in 2016
BankAmericard | Cash Rewards - $8,200 ('99) - Gas, Groceries
Discover It - $8,700 ('14) - 5% categories, ShopDiscover
[/size]


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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Sep 24, 2014 12:17 am

20k is a nice limit, and you do have good FICO scores.

Giving a large CL to a low-risk customer on a card with an annual fee probably helps retain customers.

You should know that the card's future is unclear, given the AA merger.

I also find PRG isn't that great for anything once you have a few other good cards (at least for others like us who don't use the MR partners much). I like my BCE.
Love: IHG, Platinum, Sallie Mae, AA Plat, CSP
Like: Discover, ED, BCE, Hyatt, Arrival, Freedom
Might drop: BrooksBros, Prestige (Costco PC?)
Might add: Proper business card, CSR, Ritz, Delta Gold
Letting new accounts cool off since May
Really not sure what I'll add next or when

woogs
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Postby woogs » Wed Sep 24, 2014 9:16 am

The US Air card is a good card - one that I have carried for 10+ years when Bank of America was issuing it.

A few things...

1) Most reward cards have a high interest rate. Reward cards are not designed to be used for carrying balances. I personally think your 11% Discover is high once the promo runs out if you plan on carrying a balance - I have a few cards with a flat rate of 6.24 % thru local banks (not credit unions). You should be able to do much better than 11% - see my next point if you do need to carry a balance.

2) Barclays mails me convenience checks every month for 0% transfers for 14 months with only a 1% transfer fee. If carrying / consolidating a balance is important for you - keep an eye out for those checks. Most other banks charge 3% for a transfer fee (Chase often sends me 2% promos, but Barclays is the only one that I have ever consistently received 1% transfer offers month after month).

3) The future of this card is known for the most part. Barclays has been given permission to continue servicing the product for anyone that signed up for their card. Eventually Barclays will not be able to issue new US Air cards, but people with an existing one will be able to keep it open with Barclays. They are NOT converting everyone over to the Arrival card as some people have stated. Some benefits are going away such as the companion pass. More info here: http://www.themiddlemarket.com/news/integration-issues-airline-merger-affects-relations-with-credit-card-cos-247075-1.html

4) You can always signup for the Citi AA card and collect another signup bonus for US/AA miles as well.
American Express: MB Platinum Card, Business Platinum, Business Gold, SPG, Hilton Surpass
Chase: Ink Plus, Ink Bold, Sapphire Preferred, United Mileage Plus, Marriott Premier
Citi: Executive AA World Elite MasterCard, AA Visa Signature, AA Business MasterCard
Barclays: US Airways World Elite, Arrival Card

Bama87
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Postby Bama87 » Wed Sep 24, 2014 12:09 pm

Great starting limit and nice link woogs.

I did just send Barclays a SM and asked them what would become of my Barclays US Airways card and in the short of it:

"The will be more changes as the two loyalty program continue along the path to a single frequent flyer program. We can expect changes to occur as your US Airways Dividend Miles MasterCard becomes and American Airlines AAdvantage MasterCard. Keep your contact information up to date to ensure you receive the information as it is announced. Updates can be made either through our Service team or online."

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Yoshiofthewire
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Postby Yoshiofthewire » Wed Sep 24, 2014 10:53 pm

Looks like I might have been wrong and the just used $20,000 as a place holder.
We shall see.

...

Update looks like it was right, their website was having trouble doing basic math.
Or at least basic SQL functions.
[size=60]

American Express PRG - NPSL ('10) - NONE - Replace with BCE in 2015

US Airways barclaycard - $20,000 ('14) - Catch All - PC to Arrival in 2016

BankAmericard | Cash Rewards - $8,200 ('99) - Gas, Groceries

Discover It - $8,700 ('14) - 5% categories, ShopDiscover

[/size]



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