Earn 120,000 Membership Rewards® Points after you spend $15,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
5X Membership Rewards® points on flights and prepaid hotels when you book at AmexTravel.com.
Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening
3X ThankYou® Points for every $1 spent at gas stations.
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
5% cash back on Lyft rides through March 31, 2025
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
5% Cashback Bonus at Target
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
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Want to unlock better loan rates, snag premium credit cards, or simply take control of your financial future? Raising your credit score is the key. In this article, you’ll discover three practical strategies to boost your credit: spacing out applications to avoid dings, leveraging high limits to prove your trustworthiness, and using a business card to optimize your score. Plus, we’ll throw in bonus tips for landing those coveted high-limit offers. Ready to level up your credit game? Let’s dive in.
One of the biggest factors affecting your credit score—and your chances of approval—is the number of hard inquiries and new accounts on your credit report. Applying for multiple credit lines in a short period can signal desperation or financial instability to lenders, often leading to denials. Each hard inquiry can ding your score by a few points, and too many new accounts can lower the average age of your credit history.
Action: Apply for new credit strategically and wait at least 6-12 months between applications. This gives your score time to recover from the inquiry and demonstrates to lenders that you’re not overextending yourself. Patience here pays off in the form of higher approval odds and better offers down the line.
Once your credit score climbs above 740—an excellent range—lenders start paying closer attention to your existing credit limits. They use this as a gauge of how much they can trust you with their money. For example, if your current cards have combined limits of $20,000 and you’ve managed them responsibly, a bank might feel comfortable offering you a new card with a $5,000 or even $10,000 limit. The key? Keep your credit utilization low (ideally under 30%) and avoid maxing out your cards.
Action: If you’re aiming for a high-limit card, consider requesting credit limit increases on your existing accounts first. This boosts your total available credit without adding a new hard inquiry. Just be sure to maintain a solid payment history—banks want to see that you can handle what you already have before extending more.
If you run a side hustle, freelance, or plan to start a business, applying for a business credit card can be a game-changer. Unlike personal cards, business cards typically don’t report balances to consumer credit bureaus unless you default. This keeps your utilization ratio intact on your personal credit report, which can help your score. Plus, business cards often come with higher limits and rewards tailored to expenses like advertising or supplies.
Action: Apply for a business card if you qualify (even a small gig like selling crafts online can count). Use it for business expenses and pay it off monthly to avoid interest. This not only builds your business’s credit profile but also keeps your personal score strong.
Raising your credit score isn’t an overnight fix, but with consistent effort—waiting between applications, managing limits, and exploring business credit—you’ll set yourself up for financial success. Start with one step today, and watch your score climb over time.
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