The Best Cards From Barclays Bank

Update: The Lufthansa 50K card offer is slated to end December 15, 2013.
Several DDF members as well as commenters on this post are reporting that Barclays has agreed to waive their $79 annual fee by just calling and asking them to, so if you have gotten the card already definitely give them a ring!

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Originally posted on 10/17/13:

Barclays bank has several great credit card offers. Best of all they typically pull from your Transunion credit report.  Most banks pull from Experian though this does vary by state.  If you are NJ or NY based you shouldn’t have almost any credit pulls on your Transunion report if you don’t have Barclays bank cards.

If you are denied you can call reconsideration at 866-408-4064.

-The Lufthansa Premier Miles & More World MasterCard offers 20K miles for spending $1 and another 30K miles for spending $5,000 within 3 months.  This means you’ll have 55,000 miles after meeting the spend threshold.

You can enroll in the Miles & More program here.

The card has no foreign exchange fees.

What can you do with the signup miles? Lufthansa miles have a few sweet uses:

3 one-way domestic first class flights on United:
You can fly on Star Alliance partner United in domestic first class for just 17,000 miles each way with no fuel surcharges.  United flies many flights between JFK or Newark and Los Angeles or S. Francisco that have lie-flat seats in business class.  Plus you can still order hot kosher meals on these routes in business class!  United charges 25,000 of their own miles each way for these seats, so you’ll save 8,000 miles each way via Lufthansa.

Remember to book one-way flights as a round-trip business class is 35,000 but they charge half the price and round down for one-way so it’s only 17,000 each way.

You can also always transfer 20,000 Starwood points into 25,000 Lufthansa miles if you need more miles.  Which means that the Starwood Preferred Guest® Credit Card from American Express actually can earn you more points per dollar spent than the Lufthansa card.  Though the Lufthansa card is great for the signup bonus and for the lack of foreign exchange fees.

4 one-way coach tickets:
A one-way coach ticket within the US on United or USAirways will run 12,000 miles.

Business class to Europe:
Business class to Europe is 52,000 miles each way and there are no fuel surcharges on USAirways (which has a very nice lie-flat Envoy Suite in business) and Lot Polish (which flies 787s with an excellent lie-flat business class to Warsaw.)

Coach to Israel:
Coach to Israel is 40K each way and business class is 67K each way, again with no fuel surcharges nonstop on USAirways from Philadelphia.

Business to Hawaii:
Business class to Hawaii (including lie-flat seats on most flights from Houston, Newark, and Washington DC) is just 35,000 miles each way when booked with Lufthansa miles flying on United or USAirways with no fuel surcharges.  That’s a 10,000 mile savings on a round-trip flight.  Coach is 20K miles each way.

Other uses:
The only current way to book Swiss First Class is with Miles & More.  I flew it a few years ago when it was still bookable with partner miles and it was fantastic. However it’s quite pricey now at 85,000 miles plus fuel surcharges each way. You’ll have to act quickly as Swiss First has to be ticketed in 2013, come 2014 it will be blocked to non-elites.

Lufthansa First Class has significantly better availability when booked with Miles & More as opposed to programs like United.

There is also better availability on other airlines like Singapore’s top-notch business class when booked via Miles & More as opposed to programs like United.

Barclays cards can be churned, so you can always start saving up for a big trip.
————————————————————————

-The Barclaycard Arrival World Mastercard offers 40,000 points for spending $1,000 within 90 days. This is advertised as a limited time offer though the end date is unknown.

At 2.2 percent it’s one of the best cashback cards out there and it offers a nice signup bonus unlike the other cashback cards.

The card gives 2 “miles” for every dollar you spend plus a 10% refund when you redeem miles so that you effectively earn 2.2 “miles” per dollar spent.  The 10% refund means that the 40,000 points signup bonus is really 44,000 points as you’ll get 4,000 of those points back after you redeem the points for a cash refund.  Of course when you redeem those 4,000 points you’ll also get a 400 point refund, etc. The 10% refund posts within 1-2 weeks of making a redemption.

Miles is a misnomer, really they just mean cents with each mile being worth 1 cent. The way it works is you book travel via any booking site and then you can just go online to your Barclays account and request that the purchase be refunded using your points. You can refund any purchase that is categorized as “Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways and Car Rental Agencies.”

So if you spend $420 on a plane ticket and have 42,000 points from opening the card and spending $1,000 you’ll be able to get a $420 cash refund.

2.2% cash back on all of your spending is excellent, but still I personally prefer real airline miles over bank miles due to their versatility. However this card is probably the best you’ll get for bank miles and it can make sense for people who don’t travel or who redeem for coach tickets that are purchased in advance.

-The no annual fee version of the BarclayCard Arrival World Mastercard also has no foreign transaction fees which is great for a fee-free card.  It has a 20,000 point signup bonus that will also receive a 10% point refund with every redemption.  But it only earns double points on travel and dining purchases.

You are able to book a refundable travel itinerary to get your points converted to 2.2% cashback without actually needing to travel.  After redeeming to cash out the points you can refund the itinerary and pocket the cash for your points.

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-My affiliate link for the USAirways card offer 30,000 miles for spending $1 however if you go through this link without a landing page (which I have not personally tested but others have) it should give 35,000 miles.

USAirways will soon marge with American and these will be convertible to valuable American miles.  In the meantime there are several sweet spots on the USAirways award chart like off-peak awards and on the Star Alliance award chart like 90,000 miles in business for a round-trip to Asia or 110,000 miles in business for a round-trip to Australia.

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163 Responses to “The Best Cards From Barclays Bank”

  1. Anonymous Says:
    1

    Thanx for the post Dan. I just transfered 35k starpoints to singapore kris flyer to be used for 2 one way business class tickets from lax- jfk it is still in the transfer process and hasn’t post to my account can I call up starwood to change them into lufhtansa as singapore charges 20k for one way?

    ReplyReply
  2. Eli Says:
    2

    Just got off a 3 minute call to reconsideration and was approved.
    Dan you rock.

    ReplyReply
  3. DanFan Says:
    3

    Add the NFL with $400 after $2,500 spend. You can even pick your favorite team. Do I hear Browns?

    ReplyReply
  4. yyk Says:
    4

    Does multi BM work with Barclays bank? Has anyone had success with a 3 or 4BM?

    ReplyReply
  5. cow Says:
    5

    My affiliate link for the USAirways card offer 30,000 miles for spending $1 though this link (which I have not tested but others have) should give 35,000 miles.

    Does it or does it not. It would be a terrible waste of a pull if it gives nothing.

    ReplyReply
  6. Marco Polo Says:
    6

    Just did a 3BM. Instant approval on one, pending on the others. After first call to recon, they said they want to see history with the new card. Going to HUCA later.

    ReplyReply
  7. Dan Says:
    7

    @Anonymous:
    Can’t hurt to call.

    @Eli:
    Congrats!

    @DanFan:
    Link?

    @yyk:
    I have done successful 3bm and 4bm with barclay.

    @cow:
    I can’t personally vouch for the 35k link.

    @Marco Polo:
    Good luck!
    Maybe offer to lower the line on the approved card to get another approved?

    ReplyReply
  8. Marco Polo Says:
    8

    @@Dan

    They gave me a $2,500 CL. Do you think they would split that?

    ReplyReply
  9. Davidd Says:
    9

    will they waived the annual fee for the first year on the Lufthansa card?
    any success?

    ReplyReply
  10. ABC Says:
    10

    Already had a Barclay card. Did a 3bm, got approved on 1, denied the other 2. What arguments do you use with the reconsideration folks?

    ReplyReply
  11. chaim Says:
    11

    Could you get approved for the arrivals card and the lower 20k offer at the same time if they’re gonna be my first cards from Barclay’s?

    ReplyReply
  12. DanFan Says:
    12

    http://www.nflextrapoints.com/nfl_2012/?campaignid=1798&cellNumber=702&adgroup=

    I 2BM’d this together with the USAir card a few months ago. The 40,000 points can be redeemed as a credit to any purchase over $25 if I remember correctly. I used it to knock $400 off a $1,000 Amazon Payments transaction.

    ReplyReply
  13. DanFan Says:
    13

    The blogosphere claims that if you let the card collect dust for a few months, they send an offer for additional ~25k for some minimum spending. Mine has 2 months of dust so far…….

    ReplyReply
  14. meir1 Says:
    14

    @DanFan: well this link says you have to spend 2500.00 in 90 days

    ReplyReply
  15. meir1 Says:
    15

    @Dan: dan the link to the world card for 40000 points doesnt work it takes me to a lotery winner site can u fix it thx

    ReplyReply
  16. mensch Says:
    16

    @DanFan: on which card?

    ReplyReply
  17. HUCAFan Says:
    17

    Approved instantly on the Arrival card,on the other I got “Thank you for your recent application. We’re in the process of reviewing the information you provided for your Premier Miles & More World MasterCard application.” Call RECON or wait it out?

    ReplyReply
  18. Anonymous Says:
    18

    Got 40k sign -up few months ago & never touched .. Got offer for bonus 15k if I spend 1k during may,June,July .. #sweet

    ReplyReply
  19. Anonymous Says:
    19

    Where do they pull from pa?

    ReplyReply
  20. Dan Says:
    20

    @Marco Polo:
    Can’t hurt to ask.

    @Davidd:
    If you close it.

    @ABC:
    Offer to close the older card to get a new one approved.

    @chaim:
    Probably…YMMV.

    @meir1:
    Works fine. Sounds like you have a virus or spyware.

    @HUCAFan:
    I’d call.

    @Anonymous:
    Nice

    @Anonymous:
    Transunion.

    ReplyReply
  21. Anonymous Says:
    21

    On the us airways card , can u get a waive on first yearly fee?

    ReplyReply
  22. Meme Says:
    22

    What about annual fee??

    ReplyReply
  23. DanFan Says:
    23

    @meir1: $400 for a couple of minutes on Amazon Payments is not a bad return. Especially when you’re running out of cards to churn.

    ReplyReply
  24. Avi Says:
    24

    If I have gotten cards about 30 days ago- I am based in ny- can I be certain that they will pull from Transunion and this will not compromise my previous applications and future. I usually try to wait about 3 months in between applications…

    ReplyReply
  25. YG Says:
    25

    Is it possible to have the Lufthansa miles post to FF account in time to close the card for an annual fee refund without losing the miles?

    ReplyReply
  26. PAL Fan Says:
    26

    The US airways isn’t always 40k?

    ReplyReply
  27. Davidd Says:
    27

    @Dan: when you say if you close it you mean close within 30 or 60 days of when annual fee posted

    ReplyReply
  28. not moskim Says:
    28

    Not sure what your taking about – I live in NJ and have most hits on TU – 3 from amex(7 cards) one from discover and two from citi (the third citi was experian)

    ReplyReply
  29. new follower Says:
    29

    can you explain “churn” are you saying close acct and apply again as soon as its closed and they may approve you again and give you the bonus again for the same card every few months?

    ReplyReply
  30. esther12 Says:
    30

    if i just applied for 2 cards with Chase you are saying that i can apply with Barklays and it won’t hurt my score at all since they will pull from another agency? does it matter what state i am in? or is it better to wait 3 months between applications? thanks

    ReplyReply
  31. Monsey Guy Says:
    31

    @newfollower yes

    ReplyReply
  32. Nachmen Says:
    32

    Just wondering thay said they wanted to see how i do with one card is it worth it to huca?

    ReplyReply
  33. cow Says:
    33

    Dan,

    What are the yearly charges for all of these cards? When does the charge appear?

    ReplyReply
  34. robert Says:
    34

    i churned a usair card. usair did a review in march and closed my dividendmiles account. be careful..

    ReplyReply
  35. amex Says:
    35

    Hey Dan Question:

    If I want to cancel the Amex Premier Gold card because i don’t want to be the annual fee of $150, what are my options?

    I cant transfer the credit over to another card (old or new)
    because there is no credit limit on that card.
    So does that mean that it does not effect your credit if you close this card?

    ReplyReply
  36. david g. Says:
    36

    barclay recon. is a WASTE of time IMHO

    ReplyReply
  37. Dan Says:
    37

    @Anonymous:
    If you close it.

    @Avi:
    All reports and my experience is that Barclays pulls Transunion.
    On my 4BM I had 1 TU pull.

    @YG:
    Yes.

    @PAL Fan:
    Not anymore.

    @Davidd:
    Correct, as that qualifies for a refund.

    @not moskim:
    That’s very strange. Those banks are Experian for 99% of NJ people.
    Did you do any credit freezing? If not you’re definitely the exception to the rule.

    @new follower:
    That’s the general idea.

    @esther12:
    Right, this won’t effect banks that pull from Experian/Equifax and won’t mess up a 3 month card cycle.

    @robert:
    I’ve never heard of an airline closing an account for that reason.
    More likely is that you sold miles or booked tickets for other people from your account.
    Otherwise contact them to find out the reason.

    @amex:
    Just close it and don’t sweat it. It will remain on your report for 10 years to help your average age.

    @david g.:
    I’ve had success. They’re just tougher than Chase.

    ReplyReply
  38. ylper a evael Says:
    38

    Does anyone know what Lufthansa points are worth?

    ReplyReply
  39. Mendel Says:
    39

    question. Do I you understand correctly, its 2.2% cashback only if redeemd towards travel? not simple cashback?

    ReplyReply
  40. papa Says:
    40

    Even if there is no hard pull will the card show up at all on my experian report? I was told by chase a few times that the reason i was declined was because to many new accounts. They didn’t say to many inquiries.

    ReplyReply
  41. Tolch Says:
    41

    Are these new cc have they ever surfaced before
    Why did I not hear about them is it just me that’s crazy

    ReplyReply
  42. mosh Says:
    42

    if i want to downgrade the arrival card to the free version can i open the free version and then move the credit line so i get the 20k bonus as well?

    ReplyReply
  43. jeff Says:
    43

    Are these virgin america miles worth the same as virgin Atlantic flying club miles? BOFA is offering 50,000 for signing up with it’s virgin Atlantic amex card.

    ReplyReply
  44. maw Says:
    44

    I don’t know what is the Barclays bank policy but thy pule me via Experian and was denied too many inquiries can I manipulate it to a different agency so amex and chase wont pule me via Experian?

    ReplyReply
  45. jim Says:
    45

    @ DAN, is this best time to apply for Hawain airline and virgin atlantic ( both from BOA) cards because these miles can noe be redeemed for AA flights?

    I received multiple emails saying hawaain miles and flying club miles are now good for any AA flights world wide.

    ReplyReply
  46. zingid mingid Says:
    46

    A number of folk have posed this question already so if anyone knows kindly pipe up.

    Regarding the $79 yearly fee. When does it arrive? Any way to finagle out of that problem?

    ReplyReply
  47. Josh Says:
    47

    Its worth noting that asking for Reconsideration at Barclays can result in an additional credit pull, so is the consensus on FT and from personal experience.

    ReplyReply
  48. Hey Says:
    48

    So is a 4bm the play?

    ReplyReply
  49. Mark Says:
    49

    Dan -Can you use Luftansa miles united NYC – TLV? How many miles would it cost? Any fuel fees? I do not want to fly to Philly. Thanks in advance

    ReplyReply
  50. Kevin Says:
    50

    @Dan:Can you check availability on Lufthansa’s website for reward flights on United? I set up a Lufthansa account,I can see United flights if I want to buy them, but when I try for rewards flights it comes up none available (even though I see them on United’s website). I got 500 points for opening up Lufthansa’s frequent flyer but I don’t want to get the card if I can’t use it on United. For now, I am only interested in flights between LGA and ORD(NYC and Chicago). Thanks.

    ReplyReply
  51. JP Says:
    51

    I have Barclays NFL and arrival w/p annual fee.
    They are denying an upgrade to the annual fee.
    What are the chances of getting the Lufthanza?

    ReplyReply
  52. brocha Says:
    52

    Anyone knows who buys Barclay miles? I tried a few places and they don’t buy them. Anyone have any luck with selling them?

    ReplyReply
  53. hi Says:
    53

    How long does it take from being approved until getting the card?

    ReplyReply
  54. Barclay Credit Reports Says:
    54

    FYI, just got off the phone with Recon, having applied for more than one Barclay Card as a 3BM and they check BOTH Experian and TransUnion credit reports (not just TransUnion). I am in NY.

    Also, Recon rejected request for credit apps in part because there were multiple requests for credit from Barclay on the same day (3BM) AND would not “relocate” credit from an existing Barclay card to the new applications. HUCA was not helpful either.

    DAN, any thoughts on the recon issue?

    ReplyReply
  55. mikel v Says:
    55

    does lufthansa charge a fee for booking less than 21 days on partner or their own flights?

    thanks!

    ReplyReply
  56. robert Says:
    56

    @mikel v:
    you can book on united.com or call lufthansa and tell them you are a pro member, they should waive any fees.

    ReplyReply
  57. Dan Says:
    57

    @Mendel:
    You can book refundable travel to cash out.

    @zingid mingid:
    Generally speaking you have 60 days from when an annual fee posts to cancel a card for free.

    @Mark:
    There are surcharges for United flights that cross the ocean.

    @Kevin:
    If it’s available for saver miles on United’s site then Lufthansa can book it, just give them a call.

    @brocha:
    You don’t need to sell them, you can get the 2.2% back in cash with a refundable travel reservation.

    @hi:
    A few days?

    @Barclay Credit Reports:
    Barclays recon is tough.

    Probably a good idea to freeze your Experian/Equifax reports in that case…

    @mikel v:
    Nope!

    ReplyReply
  58. Barclay Credit Reports Says:
    58

    DAN, thanks, how do you freeze the reports and what does it accomplish? Thanks.

    ReplyReply
  59. Dan Says:
    59

    @Barclay Credit Reports:
    http://forums.dansdeals.com/index.php?topic=8028.0

    ReplyReply
  60. mikel v Says:
    60

    thanks! btw do this miles expire? if so how can i prevent that.

    ReplyReply
  61. Shoudl I call recon or wait? Says:
    61

    Thank you for your recent application. We’re in the process of reviewing the information you provided for your US Airways Premier World MasterCard application.

    Please keep in mind it may take up to 10 business days to process your application. There is no need to reapply. If you provided an email address, we will send you an email upon review of your application. Please feel free to check back as this page will display the most recent status updates.

    Should i call?

    ReplyReply
  62. Sarah.telaviv Says:
    62

    Can I get another Miles and More card if I just cancelled one in March?

    ReplyReply
  63. kim Says:
    63

    There are so many bad things with BARCLAYS many bloggers are hiding.

    there are 3 cons, 1 they won’t approve you if you have too many inquiries, 2 they pull from all three bureaus ,
    3 if you call recon to rethink after denial, they will do do hard pull again .

    ReplyReply
  64. CD Says:
    64

    For that barclays no fees 20,000 free points offer, can you just cancel after you are done using your free points? Is there a fee for non use?

    ReplyReply
  65. Dan Says:
    65

    @mikel v:
    They expire in 36 months but if you maintain and use the card then they won’t expire.

    @Sarah.telaviv:
    Yes.

    @kim:
    1. I have dozens of inquiries and did a successful 4BM.
    2. I got one pull on TU and that was it. If you’re very worried about multiple pulls then freeze your Experian/Equifax reports.
    3. I did a successful recon and there was no hard pull. I didn’t freeze my reports but again if you’re worried about a recon pull then tell them that you do not authorize them to pull it again or freeze all of your reports so that they will only have the originally pulled report to go by.

    @CD:
    Correct, there are no fees.

    ReplyReply
  66. Thanks Dan! Says:
    66

    How does the companion pass work? Anything like Southwest companion pass?

    ReplyReply
  67. Thanks Dan! Says:
    67

    Also, Can you purchase the travel on a different card (for example Saphire)and have them refund you? Or does it have to be on the Barclay card

    ReplyReply
  68. Yoy Says:
    68

    Dan i did 2bm, got 2 pulls on transunion

    ReplyReply
  69. Sara Says:
    69

    Sorry if this is a simple question but how do you freeze credit reports?

    ReplyReply
  70. Jeff Says:
    70

    See reply 59 and click on link. Easy.

    ReplyReply
  71. love this blog Says:
    71

    @DanFan
    Link work’s, but when you try to apply doesn’t.

    ReplyReply
  72. BB Says:
    72

    Dan — I’m Canadian and usually get rejected for US credit cards. In this case, we use Transunion in Canada too — so, I was actually approved for this Barclay card. Any idea if other Canadians have had this same experience? Also, do you know what other banks use Transunion so I can test out my theory?

    ReplyReply
  73. anon Says:
    73

    Hi Dan, Just wanted to let everyone know I did the US airways with the 35,000 link and i got 35,000 miles after one purchase and first year annual fee is not charged! Thanks, as always your the one with the right info!

    ReplyReply
  74. Fred Says:
    74

    @dan

    Did 3bm git first one on the spot and they giving me a hard time with other 2. Saying 3 in one day is a concern etc……didn’t want to reallocate credit. Tried twice got same answer. Wife tried and got sme exact speech. You think something changed in thier policy? Or should I try huca again for the 4 th time? Anybody get approved for a 3bm with Barclay in the past few weeks?

    ReplyReply
  75. JP Says:
    75

    Dan – please respond to #51

    ReplyReply
  76. elih Says:
    76

    Just got my first CC rejection. I was approved for the Miles & More (15K) and rejected for the Arrival – I called, tried to move credit, cancel one & take the 2nd card to no avail.

    Oh well, time to take a break.

    ReplyReply
  77. Chulent Fresser Says:
    77

    still alive

    ReplyReply
  78. sam Says:
    78

    does anyone know how Barclay is posting the transection from amazon payments or chase gift card as a regular purchase or cash advance? Tnx

    ReplyReply
  79. ih Says:
    79

    Quick question on redemptions –
    If I have 42,000 points after $2,000 spend & 40,000 bonus points.

    Now I stay at a hotel for $500 – Iredeem the expense on their website for the 42,000 points =’s $420.

    They give me back 10% which is 4,200 points worth $42.

    Can I use the same $500 hotel stay to cash out the remaining points or it needs to be a new travel expense?

    ReplyReply
  80. Aliza Says:
    80

    Anyone know how many pulls would be for this and usair?

    ReplyReply
  81. Super Speed Says:
    81

    Is this card churnable?

    ReplyReply
  82. Dan Says:
    82

    @Aliza:
    I had 1 pull on a Barclay 4BM.

    @Super Speed:
    All Barclays cards are churnable.

    ReplyReply
  83. @Yehuda Says:
    83

    If this would be my first Barclay card, is it worth trying a 2/3/4BM?

    ReplyReply
  84. Anonymous Says:
    84

    Can a 2bm be done barclays ?

    ReplyReply
  85. Dan Says:
    85

    @@Yehuda:
    Nothing to lose.

    @Anonymous:
    Yes.

    ReplyReply
  86. YM Says:
    86

    Dan,

    Is there a way to transfer AA miles to BA or Starwoods?

    Thanks,

    YM

    ReplyReply
  87. Davidd Says:
    87

    annual fee waivable first year? by sm to Chase ?

    ReplyReply
  88. NewYorker11219 Says:
    88

    Does anybody know if you are able do downgrade (and get refunded) thid card after getting the bonus to a no fee card ?

    What about canceling this card whitin the first 30 days ? 60 days ?

    ReplyReply
  89. ICSL Says:
    89

    If I currently have a US Airways card could I apply for a 2nd and get the bonus?

    ReplyReply
  90. Al Says:
    90

    Dan, I’ve got one open US Airways card at the moment. Had another but closed it when fee came due. What/how many Barclays cards would you recommend applying for besides the LH card? Thanks

    ReplyReply
  91. 4 Months In Says:
    91

    @Dan:

    When you do 4bm can you apply for the same card or it has to be different Barclay cards?
    Can you suggest any other cards to try with this?
    Will using chrome and chrome incognito work as 2 separate BMs?

    ReplyReply
  92. 4 Months In Says:
    92

    I’m thinking of trying these 4:
    http://www.dansdeals.com/go/Lufthansa50/
    http://www.dansdeals.com/go/BarclayArrival/
    http://www.dansdeals.com/go/USAirways1/
    https://www.barclaycardus.com/apply/Landing.action?campaignId=1695&cellNumber=31

    ReplyReply
  93. chuk Says:
    93

    “won’t mess up a 3 month card cycle”
    Is the cycle from the application date or approval date?

    ReplyReply
  94. chuk Says:
    94

    Does “churnable” mean while the old card is open, or after it is closed? How long?

    ReplyReply
  95. Sam Says:
    95

    How many miles do I need with miles and more to go from LAX- YUL in J? Thanks

    ReplyReply
  96. thingywingy Says:
    96

    Any idea how long this offer will last?

    ReplyReply
  97. dov Says:
    97

    i just applied for the Miles and more, and the Arrival. I got instantly approved for the arrival but as for the miles and more, they responded saying i must first create a miles and more account. did anyone get that?? is to late to try to submit again?

    ReplyReply
  98. anonymous Says:
    98

    How long does it take for a pull to show on transunion,equifax and experian? For example, if i do a barclays at 10am, and an hour later i do a different bank who also pulls my transunion, will they see the previous pull? 6 hours later? a day later?

    ReplyReply
  99. Kiva Says:
    99

    Hi Dan, I just closed my Lufthansa card 2 weeks ago (I had applied 4 months ago). Is it safe to apply now or better wait until next month?

    ReplyReply
  100. Dan Says:
    100

    @YM:
    No, it’s a one-way street from Starwood.

    @Davidd:
    What does this have to do with Chase?
    You can definitely ask for a waiver but unless you cancel within 60 days they don’t have to.
    People have had success asking though.

    @NewYorker11219:
    60.

    @ICSL:
    Yes, though they may ask why you want 2.

    @Al:
    The good ones are in this post.

    @4 Months In:
    Why not just use IE, Firefox, Chrome, Opera, Safari, etc.

    @4 Months In:
    Good luck!

    @chuk:
    It’s not something that is required, it’s just something people use to stay organized.

    @Sam:
    55K. Canada isn’t a good use of Miles and more.

    @thingywingy:
    “This offer ends December 15, 2013 and may be canceled at any time without notice.”

    @dov:
    Make an account and apply again.
    Applications made on the same day are typically 1 pull. The reason for a 3BM is to enhance the chances in instant approvals.

    @anonymous:
    Good question, I’m not positive exactly how long it will take.

    @Kiva:
    It’s safe now, good luck!

    ReplyReply
  101. anonymous Says:
    101

    Dan,
    Does the buying-refundable-ticket idea work when they send the refund to the cc?

    ReplyReply
  102. CCChurner Says:
    102

    has anyone closed the card in the first 60 days and got bak his/her money ?
    Did anyone downgrade this card to a card without annual fee ?

    ReplyReply
  103. Sam Says:
    103

    Barclays agreed to waive my annual fee when I asked them to for the Lufthansa card a few months ago.

    ReplyReply
  104. Davidd Says:
    104

    @Sam: you called them or sent an sm

    ReplyReply
  105. Happy Says:
    105

    do i read correctly? “free companion pass after first purchase”- are there any restrictions?

    ReplyReply
  106. Mo Says:
    106

    Just got approved for Barclay master card. I did not get approved online and received a phone call asking me a few minor security questions (nothing about income or work) and was approved on the phone.

    ReplyReply
  107. nomad Says:
    107

    what is 2BM, 3BM, 4BM etc. ?

    ReplyReply
  108. Dan Says:
    108

    @anonymous:
    Yes.

    @Happy:
    It’s worthless-which is why I didn’t mention it.

    @Mo:
    Congrats!

    @nomad:
    http://www.dansdeals.com/archives/23410
    http://forums.dansdeals.com/index.php?topic=8028.0

    ReplyReply
  109. mjd612 Says:
    109

    what do these sell for?

    ReplyReply
  110. T&C Says:
    110

    ACCORDING TO T&C YOU ONLY GET THE 50K MILES ONCE THE ANUAL FEE IS PAID

    ReplyReply
  111. Ron Herman Says:
    111

    What does 4Bms mean? Also do you need to be a member of the Lufthansa Airline frequent flyer program to dump the miles into?

    ReplyReply
  112. lufthansa Says:
    112

    If I have now a miles and more card, will I get the 50k points?

    ReplyReply
  113. Dan Says:
    113

    @T&C:
    If you get it waived you still get the points once you spend $5K.

    @Ron Herman:

    http://www.dansdeals.com/archives/23410
    http://forums.dansdeals.com/index.php?topic=8028.0

    Yes.

    @lufthansa:
    Yes.

    ReplyReply
  114. Happy Says:
    114

    Can you please explain how to book flights on united with these miles?

    ReplyReply
  115. Oscar Asher Says:
    115

    I understand that a pull through TransUnion wont affect the other 2 credit bureaus, but when Barclays Bank check my credit will they see the other past pulls on Experian and Equifax?

    ReplyReply
  116. Dan Says:
    116

    @Happy:
    Check saver award availability on United.com, book by calling Lufthansa, 800-581-6400.

    @Oscar Asher:
    No.

    ReplyReply
  117. Davidd Says:
    117

    Dan you mentioned lie-flats seats from ny/newark to LA or SF on business/first class what about from ny to San Diego?

    ReplyReply
  118. Davidd Says:
    118

    when “closing” credit card because of annual fee is it better to transfer credit line to existing card I have already or to downgrade to a new non-annual fee card?

    ReplyReply
  119. R Says:
    119

    Did 2bm, approved for M&M ,couldnt get approved for us airways after reconing

    ReplyReply
  120. Harry Says:
    120

    Hello Dan

    I signed up for this,.

    yet when I try to look for an award ticket on the miles and more website it doesn’t show anything for domestic flights even though the same dates show available award tickets on United and/or US air.

    Please let me know if I am doing something wrong here. thanks

    ReplyReply
  121. Do Not 2BM, 3BM with Barclays Says:
    121

    Beware, DO NOT 2BM, 3BM. Barclays is the strictest bank when it comes to applying for multiple cards. Although my credit score is 767 (Fico not Fako), I was denied for a second card even though the application was 6 months apart.

    Reconsideration only let me shift credit lines to have it approved.

    Reconsideration also grilled me with questions as to “why I applied for 4 cards with other banks the last year”

    ReplyReply
  122. thingywingy Says:
    122

    @Dan: Why is companion pass worthless? Just curious…

    ReplyReply
  123. Dan Says:
    123

    @Davidd:
    Not lie-flat.

    @Davidd:
    Either.

    @Harry:
    See comment 116.

    @Do Not 2BM, 3BM with Barclays:
    Barclays may be tougher than other banks, but what’s the difference if you do a 3BM over just 1?

    @thingywingy:
    Restrictions, fuel surcharges, etc.

    ReplyReply
  124. Do Not 2BM, 3BM with Barclays Says:
    124

    @Dan: Because if you don’t get instantly approved, they may put you on a block list. In my experience, they were the strictest bank even though my FICO score is 767.

    ReplyReply
  125. menachem Says:
    125

    it says on the website that the lufthansa card is going till december 15

    ReplyReply
  126. Dan Says:
    126

    @Do Not 2BM, 3BM with Barclays:
    Never heard of a “block list.”

    They may be strict but people have done it. I don’t think there’s anything to lose by going for more than 1.

    @menachem:
    So does the top line of this post.

    ReplyReply
  127. IsaacBP Says:
    127

    I just did a 3BM the first one came up approved and the second and third came up you already submitted a application, Y did that happen and is there anything to do

    ReplyReply
  128. K Says:
    128

    Yea, same thing with me. First one came up approved and second and third said already submitted an application…each submit button was pressed within a couple seconds of each other!

    ReplyReply
  129. ezriel mayer Says:
    129

    If sign up just for the points will I be able to transfer it to my united account?

    ReplyReply
  130. harry Says:
    130

    Dan. Can you explain which bookings you can do Online with milesnmore and which ones you have to call them?

    ReplyReply
  131. steve Says:
    131

    When is this offer scheduled to die?

    ReplyReply
  132. Raphi Says:
    132

    Dan,
    Do you know if this card offers the CDW coverage for rental cars in Israel as discussed int this post? http://www.dansdeals.com/archives/18635

    ReplyReply
  133. J Says:
    133

    dead

    ReplyReply
  134. steve Says:
    134

    Dead a month early? WTH?

    ReplyReply
  135. mrrick Says:
    135

    I signed up for Lufthansa Miles & More yesterday but had not applied for the card as of 20 minutes ago. Every link to the 50K offer appears to be dead, but when I went to my M&M account the offer was still there. Approved in kess than 30 seconds. Has anybody else tried that approach? I did save screen shots of every page.

    ReplyReply
  136. Oscar Asher Says:
    136

    Thanks mrricks, did what you said and got approved as well.

    ReplyReply
  137. cruisingflying4life Says:
    137

    I thought I missed out. I just registered and applied and got the card. The Lufthansa website does have the offer. Thank you Dan and mrrick.

    ReplyReply
  138. mrrick Says:
    138

    Offer is still up on http://www.miles-and-more.com/online/portal/mam/us/homepage Click on the image of the credit card on the left side

    ReplyReply
  139. Jeff Says:
    139

    The Barclay card website also has it with 50000 miles . This is definitely NOT dead.

    ReplyReply
  140. Oscar Asher Says:
    140

    When booking a mileage ticket directly with united you have 24 hours to cancel for a full refund. How does it work when booking a mileage ticket with Lufthansa’s Miles on a United flight, do we get the same 24 courtesy period?

    ReplyReply
  141. Jeff Says:
    141

    There should be at least 24 hours to cancel without penalty with any airline. I believe it is more like a federal regulation than and airline courtesy. When an airline offers until midnight of the following day, that is a courtesy.

    ReplyReply
  142. Nechemia Says:
    142

    Hi
    Thanks for all the posts
    I live in Israel and fly a lot to Switzarlend can you please tell me what credit card is best for me to get that gives a lot of miles but dues not require a lot of spending I spend in Israel about 2000$ a month
    If u can tell me if I should get more then one card
    I’m looking for a card that is worth using in Israel and will give me a lot of miles

    Hope you understand my question

    Thanks

    ReplyReply
  143. amex platinum Says:
    143

    Is there a link to upgrade to Amex platinum business from gold? thanks

    ReplyReply
  144. dan Says:
    144

    I just opened my second us air Mastercard looking forward to the combined miles with aa. I told them I won’t pay the annual fee upfront so they waived the fee. I get 30,000 miles after my first purchase is made and paid for

    ReplyReply
  145. Jacksassonbk Says:
    145

    They was waived my fee when I called them. It took around 10 minutes total.

    ReplyReply
  146. mh Says:
    146

    if you book a refundable & then cancel the ticket – they still ley you credit back the charge with the points & take a check from the credit on the card?

    wont they just back out the whole thing?

    ReplyReply
  147. mh Says:
    147

    Also – what is the best way to book a refundable – meaning who does a simple credit back – not 14 days, special email of itenerary like southwest, etc etc?

    ReplyReply
  148. Dan Says:
    148

    @Jacksassonbk:
    Congrats!

    @mh:
    It works, trust me :D

    @mh:
    Just book a refundable fare on Southwest.com

    ReplyReply
  149. Toasted Says:
    149

    They waived the fee in a blink. :D

    Did anybody have any luck with getting the SW fees waived?

    ReplyReply
  150. Dan Says:
    150

    @Toasted:
    Congrats!

    Barclays is very good with waiving fees though it’s always worth asking.
    Usually you have to close a card to get a fee waived.

    ReplyReply
  151. man Says:
    151

    can i get the lufthansa deal if i currently have the arrival card ?

    ReplyReply
  152. leo Says:
    152

    Can I open a Lufthansa or Barclaycard Arrival World Mastercard , and then reduce it to a no annual fee version of the BarclayCard Arrival World Mastercard

    ReplyReply
  153. Meir Says:
    153

    I’ve heard of people getting accepted to credit cards with $0 as their annual income.
    Are there some banks that are more lenient than others?

    Is it better to exaggerate your income and then have a hard time explaining it when you call ReCon or is it better to put a very low amount of $$$

    ReplyReply
  154. new guy Says:
    154

    What means 2BM or 3BM ?

    ReplyReply
  155. e&nThankYouDan Says:
    155

    just got 2 lufthansa cards, my wife and I are flying to Hawaii, one way coach, one way first class, thanks to you Dan!!! Can we ask them to waive the $79 once the cards arrive?

    ReplyReply
  156. Abe Says:
    156

    If I apply for the US Airway card, will the bonus post before the annual fee? and if I cancel the card and reclaim the fee paid will I lose the miles?

    ReplyReply
  157. Abe Says:
    157

    the following is from their terms & conditions:
    Bonus Miles: Applicants who are approved for the Premier World MasterCard with the $89 Annual Fee will receive 30,000 bonus miles after the first use of the account for a Purchase or Balance Transfer (that are not later returned or rescinded) and have paid the Annual Fee on the account (and such fee is not rescinded).

    ReplyReply
  158. David Says:
    158

    The Lufthansa site says:
    Welcome Award Miles: Applicants approved for the Premier World or Platinum MasterCard with $79 Annual Fee will receive twenty thousand (20,000) award miles after the first use of the new account for a Purchase or Balance Transfer (that are not later returned or rescinded) and have paid the Annual Fee on the account (and such fee is not rescinded).

    Will that be a problem if you get the fee waived?

    ReplyReply
  159. Dan Says:
    159

    @man:
    Yes.

    @leo:
    Yes.

    @Meir:
    No bank is going to accept you with $0 income.

    @new guy:
    http://forums.dansdeals.com/index.php?topic=8028.0

    @e&nThankYouDan:
    Enjoy!

    Yes.

    @David:
    Not an issue.

    ReplyReply
  160. Joel Says:
    160

    I applied for the miles and more card, i spent already 5k, but haven’t got yet the 50k points only 20k, my first transaction (annual fee) was on 10/31/13 which gives me the time till 1/31/14 to gain the 50k.

    On the Lufthansa miles and more website i currently see the 20k bonus plus the 1 point per dollar spend which totals my points to 25k, but on Barclay’s phone app i see i have 30,811 points! on Barclay’s website there is no option to see your points, and when i called Barclay they also don’t see any points on my card, they say your points are on miles & more, any word on this? is Barclay having their own points as well?

    Also, i received a 500 points bonus from miles and more for signing up for the e-newsletter.

    ReplyReply
  161. joel Says:
    161

    Dan,

    any word on my comment above?

    ReplyReply
  162. NC Says:
    162

    Hi Joel,

    I had the same issue. I had to call them and talk to a manager. They told me that the 90 days begins from the date that the card was approved, not the first transaction date. I happened to have spent 5k within that time period, so it wasn’t a big deal for me. It just took a while for the miles to appear. In the end it all worked out and I have my 50k :)

    ReplyReply
  163. NC Says:
    163

    Also, I was able to have my fee waived by talking to a manager :)

    ReplyReply

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