Update 2/25/19: Just making sure newer users are aware of these reference pages. If there is a particular page you’d like updated let me know and I’ll do my best to update it sooner rather than later!
We post a lot of content about credit cards, often it’s for increased sign up bonuses or changes to the benefits/terms of a specific credit card. These posts quickly become irrelevant as the sign up bonus changes or the benefits/terms change. That being said, there are some posts that are timeless. It can be difficult to find these posts, so I’ve included all of them below to make it easier to find them.
If you’re new to this site, you might want to bookmark this page for a quick reference guide. I’d also recommend giving this list a read through even if you’re not new, I’d be surprised if you don’t learn something new that’s useful. If there is a page that you think should be including, or needs updating then please let me know in the comments and I’ll add it/revise it.
Other posts in this series:
Contents
After You Apply
- How To Check Your Credit Card Application Status With Each Issuer
- Best Downgrade Options & Rules For Each Card Issuer
- Which Credit Card Issuers Offer Expedited Shipping?
- Which Credit Card Issuers will Match a Higher Signup Bonus?
- Credit Card Annual Fee Waivers & Other Benefits For Those On Active Duty (SCRA Benefits)
- Sparing your Credit Cards from Shut Down
- Retention Bonus Rules & Tips For Each Card Issuer – Get More Than One Bonus Each Year
- Annual Fee Refund Rules For Each Card Issuer
- Upgrading Credit Cards: Rules & Tips For Each Card Issuer
- Which Credit Card Issuers Let You Change Your Statement Closing Date?
- Credit Utilization Reporting Dates For Each Card Issuer
- Which Credit Card Issuers Will Expedite Your Signup Bonus Points Or Miles?
- Which Card Issuers Will Reopen a Closed Credit Card?
- Tips For Reconsideration Phone Calls
- How To Avoid Cash Advance Fees
- Which Banks Adjust Auto-Pay to the Amount Owed?
Before You Apply
- List Of Churnable Credit Cards
- Questions To Ask Yourself Before Applying For That Next Credit Card
- List of Credit Cards that Issue an Instant Card Number Upon Approval
- Are There Any Drawbacks To Applying For As Many Credit Cards As Possible?
- How Many Credit Cards Can You Have With Each Credit Card Issuer?
- Credit Card Issuers That Don’t Do A Hard Pull If You’re Denied
- All You Need to Know about Credit Reporting on Business Cards
- Card Issuers That Combine Multiple Credit Pulls/Inquiries
- How To Find Credit Card Application Data
- Which Banks Are Sensitive To Inquiries?
- How Much Will My Credit Score Drop If I Apply For A New Credit Card?
- Why Are Some Credit Card Offers Not Available To Residents Of Iowa?
- Is There An Age Requirement For Credit Cards?
- Can My Spouse (Husband/Wife) Use Household Income For Their Credit Card Application?
- How Old Do You Have To Be To Get A Credit Card?
- Which Credit Card Issuers Will Approve an Application with a Frozen Credit Report?
- Complete Guide To ITIN’s: Applying For Credit Cards, Credit Reports & Credit Scores
- Shopping Cart Trick – Get Credit Cards Without The Hard Pull
- Bank Cart Trick (BCT) – Get Credit Cards Without The Hard Pull
- End-of-Year Credit Card Application List and Analysis
- Can You Get The Same Business Credit Card Multiple Times With Different Businesses?
- Can you get a Signup Bonus if you Previously had the Card without a Bonus?
- Which Credit Bureau Does Each Card Issuer Pull?
Behind The Scenes
- How Card Issuers Make Money & How You Can Avoid It
- Merchant Credit & Debit Card Fees Explained: Surcharges, Convenience Fees & Cash Discounts
- What Foreign Currency Exchange Rate Do Credit Card Issuers Use?
- Credit Card Affiliate Networks
- Dynamic Currency Conversion – How And Why To Avoid It
- Why Would A Card Issuer Allow You To Churn Credit Card Bonuses?
- I Received A Shorter Than Advertised APR, Why?
- Grace Periods Explained
- Credit Card Purchase Protection Explained
- What Changes Can/Can’t Credit Card Issuers Make In The First Year Of Approving A Card?
- Everything You Ever Wanted To Know About Credit Card Partners (How Much They Make & More)
- Small Balance Credit Card Waiver
- Card Issuers that Issue Unique Card Numbers for Authorized Users
- List of Banks Offering Virtual Account Numbers
Bonuses
Sign Up Bonuses
- Best Current Sign Up Bonuses
- A Spreadsheet of Current & Recent Credit Card Signup Bonuses for Major Issuers
- Best Cash Credit Card Sign Up Bonuses For 2016 (requires an update)
- Best Hotel Credit Cards (requires an update)
- Credit Card Bonuses With No Minimum Spend Requirements (requires an update)
- Master List of Credit Cards with Additional Spending Bonuses
- How To Find The Best Sign Up Bonus On A Credit Card
- How Long Do I Have To Reach My Minimum Spend Requirement?
- I Didn’t Complete My Minimum Spend Requirement, Is There Anything I Can Do?
- All you need to know about Citi AT&T $650 Phone Offer
- Credit Cards With 0% APR & No Balance Transfer Fees (2019 Update)
On Going Spend
- Does A Credit Card Issuer Know What Items You’re Purchasing?
- How To Find Out Which Businesses Are Counted Towards Bonus Categories (Finding MCC Data)
- Minimum Cash Redemption For Each Credit Card Issuer
Category Spending Bonuses
- Best Gas Credit Cards
- Best Credit Cards For Restaurant Spend
- Best Credit Cards For Office Supply Purchases
- Best Credit Card For Charity Donations
- Best Credit Card For Grocery Store Purchases
- Best Credit Cards For Every Day Purchases
- Best Credit Cards For Telecommunication Expenses
- Best Credit Card For Department Store Purchases
- Best Credit Card For Drugstore Purchases
- Best Credit Cards For Amazon Purchases – Up to 5x Points/5% Cash Back
- Best Credit Cards For Home Improvement Stores
Card Issuer Specific
American Express
- 21 Things Everybody Should Know About American Express
- List of American Express Cards by AF & AU/Employee Fee (Useful for Amex Offers)
- Increase The Limit On Your American Express Card By Up To 3 Times It’s Starting Amount
- How To Reallocate Your Credit Limits With American Express
- Different Flavors Of The American Express Platinum Card
- View Your Targeted & Pre-approved American Express Offers
- Can I Get Both The American Express Business Gold & The Platinum Bonus?
- Can I Get The Sign Up Bonus On The American Express Platinum & Mercedes Benz Platinum Cards?
- How To View Your Pre-Approved/Targeted American Express Business Credit Card Offers
- List Of Third Party American Express Credit Cards (requires update)
- Amex Airline Reimbursement: Did You Know You Can Select the Airline AFTER the Purchase?
- What to do with the $100 Mercedes-Benz Gift Certificate from Amex Platinum Card
- How To Get Referral Links For The Best Offers With American Express
- Hidden Benefits Of The American Express Platinum Card
- Are American Express Relaxing Their Four Credit Card Limit?
- Old Blue Cash: Calculating the Annual $6,500 Reset
- How to Calculate your $50k Annual Spend on the Old Blue Cash Card
- How do Statement Credits Affect Points and Minimum Spends?
- Everything You Want To Know About American Express Upgrade Offers
Bank of America
- 20 Things Everybody Should Know About Bank of America Credit Cards
- Bank of America Preferred Rewards Program: 5.25% Cash Back On Gas, 3.75% Travel, 2.625% All Purchases
- View Your Bank of America Pre-Approved Credit Cards
Barclaycard
- 28 Things You Should Know About Barclaycard Credit Cards
- How To Enroll In Targeted Barclaycard Promotions
- Check To See If You’re Pre-Approved/Qualified For Any Barclaycard Offers
- Can I Apply & Be Approved For A Barclays Credit Card If I Am Not A Permanent Resident?
Capital One
- 19 Things Everybody Should Know About Capital One Credit Cards
- You Can Now Consolidate/Reallocate Credit Limits With Capital One Online (And Close Cards)
- Uber: 10th Ride Free with Capital One Quicksilver (up to $15 ride)
- View Your Capital One Pre-Qualified Cards
Chase
- 23 Things Everybody Should Know About Chase
- Chase 5/24 Rule Explained In Detail – What You Need To Know
- Chase Unofficially Gives Almost 4 Months to Meet Signup Bonus Requirements
- How to Calculate your $50k Annual Spend on INK Card
- Find Out If You Have Any Targeted Chase Offers
- View Your Chase Pre-Qualified Credit Cards
- Using in-branch pre-approvals to help get approved for Chase cards
- Using Chase Private Client Status to Get Approved for Credit Cards
Citi
- 16 Things Everybody Should Know About Citi Credit Cards
- Create A Virtual Account Number (VAN) With Citi – Limit It To One Use, Spending Limit And More
- How Does Citi Treat Product Changes When It Comes To Getting Bonuses Multiple Times?
- Citi Relationship Bonuses – Up to 3.25x ThankYou Points On Airfare & Hotels
- View Your Citi Pre-Qualified Credit Card Offers
- Complete List Of Previous & Current Citi ThankYou Point Transfer Bonuses
- Testing Out My Shiny New AT&T Credit Card
Discover
- Tips For Using Your Discover Card Internationally
- 15 Things Everybody Should Know About Discover Credit Cards
- Discover’s “Return Guarantee” Explained
- View Your Personalized/Pre-Approved Discover Card Offers
- How To Check For Targeted Discover Spending Bonuses
- Discover Waiving Fees + Interest Charges For Active Military
U.S Bank
- Two Credit Bureaus You Should Freeze Before You Apply For A U.S Bank Credit Card
- View Your U.S Bank Recommended Card Offers
Wells Fargo
Things You Should Know About Each Card Issuer
- 19 Things Everybody Should Know About American Express
- 20 Things Everybody Should Know About Bank of America Credit Cards
- 19 Things Everybody Should Know About Capital One Credit Cards
- 21 Things Everybody Should Know About Chase
- 16 Things Everybody Should Know About Citi Credit Cards
- 15 Things Everybody Should Know About Discover Credit Cards
- 20 Things Everybody Should Know About US Bank Credit Cards
- 16 Things Everybody Should Know About Wells Fargo Credit Cards
- 25 Things You Should Know About Barclaycard Credit Cards
- Alliant
- Navy Federal Credit Union
- HSBC
Credit Limits
- How Do Credit Card Issuers Determine When To Adjust Your Credit Limit
- Increase The Limit On Your American Express Card By Up To 3 Times It’s Starting Amount
Payment Network Specific
- Visa Savings Edge Review – Why You Should Enroll With All Of Your Business Cards
- A Complete Guide To Visa Benefits: Signature & Basic
- Visa Discounts: Get A Variety Of Discounts At Various Merchants
- American Express OPEN Savings Review – Earn Extra Rewards On Your Business Cards
- MasterCard Easy Savings Program – Save Up To 10% On Your Business Expenses
- A Guide MasterCard Benefits: World Elite, World & Basic
Pre-Qualified Offers
- View Your Pre-Approved & Pre-Qualified Credit Card Offers
- View Your U.S Bank Recommended Card Offers
- Check To See If You’re Pre-Approved/Qualified For Any Barclaycard Offers
- View Your Bank of America Pre-Approved Credit Cards
- Find Out If You Have Any Targeted Chase Offers
- View Your Chase Pre-Qualified Credit Cards
- View Your Targeted & Pre-approved American Express Offers
- View Your Citi Pre-Qualified Credit Card Offers
- View Your Personalized/Pre-Approved Discover Card Offers
- View Your Capital One Pre-Qualified Cards
- What Does It Mean When You’re “Pre-Approved”, “Pre-Qualified” Or “Pre-Screened” For A Credit Card?
- How To Stop Receiving Pre-Approved/Pre-Qualified Credit Card Offers
- Should I Opt Out Of Receiving Promotional Credit Card Offers?
Secured Cards/Bad Credit
- What Is A Secured Credit Card?
- Secured Credit Cards With No Annual Fees
- Secured Credit Cards That Approve Applicants With A Bankruptcy On File
- Does It Matter If A Secured Credit Card Reports As Secured?
- How Do Secured Credit Cards Work?
- Increase Your Chances Of Receiving The Discover it Secured Card
https://www.chase.com/digital/digital-payments/paze-faqs?jp_cmp=rb/PCDM896/ema/LC_PAZE_Q1_24_2/Body_Textlink_1
Should add this page here, didn’t see it
https://www.doctorofcredit.com/credit-bureaus/which-credit-bureau-does-each-card-issuer-pull/
Done
Done, thanks
Knowledge Base – Payments Workshop. Or the direct link: https://www.doctorofcredit.com/payments-workshop
awardwallet has a similar page.
General question: Does opening a lot of new bank accounts affect your ability to get approved for credit cards? For example, when you apply for a new credit card, might the card issuer check your ChexSystems or EWS reports and get scared off if you have too many recent bank account inquiries?
They are separate information systems, but sometimes credit unions will pull your credit report before approving your application. Credit cards use exclusively your credit score as far as I know.
Not sure why this wasn’t answered yet, but here you go.
No dp: https://www.doctorofcredit.com/which-business-credit-cards-report/
Deleted
I applied and was approved for a Chase SWA RR Personal Visa on 9/15/20. It has a $2k spend requirement within 3 months to obtain a 65k points bonus. I called Chase today to confirm the date by which I must spend the $2k and was told 12/15/20. As the first statement was issued on 10/14/20, I then asked if a 12/15/20 purchase would then be billed on the 1/14/21 statement. The Chase rep said yes. I then asked when the 65k bonus would be issued, and the rep gave me a bunch of un-intelligible gobbledygook. Like she didn’t know, and was making up an answer too vague to commit Chase and/or SWA to anything! I’d like the bonus to be effective in 2021 because I also have a business card which can easily be bonus-ed in either 2020 or 2021. 2021 is preferable for both, making the companion pass good for 23/24 months. But if Chase and SWA combine to bonus the personal card in 2020, then I will also complete the business card spend this month and at least get the pass for 12/13 months. Can anyone help based on the tediousness of my dates (above) for the personal card?
It seems like chase no longer shows “United travel bank card” on its webpage.