• Bonus: Earn 100,000 bonus points after spending $5,000 in the first 3 months. • Value: Points are worth about $1,000–$1,500 when redeemed through Chase Travel, or potentially $2,050+ when transferred to airline and hotel partners. • Annual Fee: Still just $95. What's New? Hyatt Transfer Changes • New cardholders will transfer points to World of Hyatt at a 4:3 ratio instead of the previous 1:1 ratio. • All other transfer partners remain 1:1. More Ways to Earn • Earn 3x points on: - Gas - EV charging - Vacation home rentals • Existing bonus categories like dining and online groceries remain. New Travel Perks • $100 annual hotel credit through Chase Travel. • Up to $120 reimbursement for Global Entry, TSA PreCheck, or NEXUS every 4 years. Easier Bonus Eligibility • You can now qualify for a Sapphire welcome bonus even if you currently have the Sapphire Reserve, as long as you haven't earned a bonus on the specific Sapphire card you're applying for in the last 48 months. Approval Tips • Recommended credit score: 720+ gives you the best odds, though many applicants with scores around 700 are approved with a strong credit profile. • Credit history: You'll generally want at least 12 months of credit history before applying. Link: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred

Strong datapoint for anyone building US business credit. I applied for the Ramp card and got approved for a $22,000 credit limit in around 3 hours. The process was much easier than I expected: No VPN. No document upload. No complicated forms. No long review. No back-and-forth. Just a simple application, and approval came through the same day. One interesting point: Ramp approved me for exactly the amount I requested. I asked for $22,000, and that is what they gave me. Looking back, I probably should have asked for more. Small regret there 🙂 And on top of the approval, they are also giving a $1,000 bonus gift. My takeaway: if your business profile and banking activity are solid, don’t be too conservative with the limit you request.

Chase Sapphire Reserve Business card arrived today. Added it to Apple Pay right away, no issues. Applied as sole proprietor with ITIN only - no EIN, no LLC, no prior Chase relationship. Application went to 7-10 day review. Called reconsideration. The key thing that worked: I asked if they could send the document upload request by email instead of waiting for a letter in the mail. They did. Uploaded my passport, proof of address, and ITIN copy. Approved instantly on the call for $10,000. If you're stuck in review with Chase and they tell you to wait for a letter, it's worth asking for the email upload link instead. That one question probably saved me two weeks.

I tried opening Bank of America before and it didn't work. Couldn't verify me online, they asked me to go to a branch with 2 forms of ID. This time I try again. And it worked. What I did: I opened Advantage Plus Banking and Advantage Savings. During the application, I selected U.S. resident alien even though that's not technically my status. The account opened instantly - well, it went into review first, and after about 1 hour I got the approval email. No identity verification was asked this time. I also applied through the USD 500 cash bonus offer. The only thing I changed this time: I applied from my desktop using the Classroom setup with the USD 1 data proxy.

I applied for the Chase Sapphire Reserve for Business last week as a sole proprietor using only my ITIN. No EIN, no LLC, and no current relationship with Chase. When I applied, it went to 7 to 10 business days review. On Monday I called back, and yesterday I called again and was told to wait for a letter. I asked if there was any way to upload requested documents online instead, and later Chase sent me the request by email. Today I uploaded my passport, proof of address, and copy of ITIN right away. After that I called again, and it was approved instantly on the call for USD 10,000. @Ain - Cloud Resident assisted me throughout the process, which made it easier to keep moving when Chase kept saying to wait for letter. For background, I was also approved for Apple Card last month with a USD 3,000 limit, so this was a really good next step for me. If anyone is in review with Chase and gets told to wait for a letter, it may be worth asking if they can send the document upload request by email instead.