Credit Card Application Rejected? Here's What To Do
"Turning a 'No' into a 'Yes': Navigating Credit Card Reconsideration Calls"
Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
3X points at restaurants worldwide
6X points on hotels for eligible purchases at hotels participating in Marriott Bonvoy®.
Earn 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
4X points at U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and supermarkets per calendar year, then 2X points)
6X points on hotels for eligible purchases at hotels participating in Marriott Bonvoy®
Earn 60,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership + receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Offer ends 11/6/2024.
4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year
4X at restaurants worldwide, on up to $50K in purchases
3X on flights booked directly with airlines or on amextravel.com
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 1/8/2025.
7X points for eligible purchases at hotels and resorts in the Hilton portfolio
5X points on dining At U.S. restaurants, including takeout and delivery
5X points on gas At U.S. gas stations
5X points on groceries At U.S. supermarkets
Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles at restaurants and U.S. supermarkets
3X miles on Delta purchases
Earn 10,000 Bonus Miles after spending $1,000 in purchases on your new Card in your first 6 months of Card Membership
2X miles on Delta purchases made directly with Delta
2X miles on dining at restaurants, including takeout and delivery in the U.S.
Earn 165,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
6X points on dining at U.S. restaurants, including takeout and delivery
6X points on gas at U.S. gas stations
4X points U.S online retail purchases
12X points for eligible purchases at hotels and resorts in the Hilton portfolio
Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 6 months of Card Membership.
3X miles on Delta purchases made directly with Delta
Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles for every dollar spent on eligible purchases made directly with Delta
2X miles at U.S. supermarkets
2X miles at restaurants
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles on every eligible dollar spent on purchases made directly with Delta
2X miles on every eligible dollar spent on purchases at U.S. shipping providers
Earn 70,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership
3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.
4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap.
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
1.5X miles on U.S. shipping and on every dollar spent on office supply store purchases
3X miles on every dollar spent on eligible purchases made directly with Delta
Earn 3 Free Night Awards after you spend $6,000 on eligible purchases in the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy®. Resort fees apply.
4X points per dollar on eligible purchases on U.S. purchases for shipping
4X points per dollar on eligible purchases on wireless phone services purchased directly from U.S. service providers
6X points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program
4X points per dollar on eligible purchases at U.S. gas stations
4X points per dollar on eligible purchases at restaurants worldwide
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
1.5X miles on every dollar spent on U.S. shipping
3X miles on every dollar spent on eligible purchases made directly with Delta
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 on eligible purchases with your Card in the first 6 months of Card Membership. Offer expires 1/8/25.
6X points per dollar on U.S. purchases for shipping
6X points per dollar on wireless telephone services purchases directly from U.S. service providers
12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
6X points per dollar on purchases at U.S. gas stations
6X points per dollar on purchases at U.S. restaurants
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months. That's enough to fly to another continent.
3X points for each dollar spent on dining at restaurants including takeout and eligible delivery services
3X points for each dollar spent at grocery stores
3X points for each dollar spent with Air Canada directly
Earn 100,000 Bonus Points after spending $2,000 in the first 3 months from account opening.
3X total points on select streaming services
3X total points on utilities
Up to 17X total points at IHG® Hotels and Resorts
That's 5X points with this card.
+ up to 10X points from IHG® for being an IHG One Rewards member.
+ up to 2X points from IHG® with Silver Elite Status, a benefit of this card.
3X total points on dining
3X total points at gas stations
Earn 85,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 85,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
Earn 85,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.
3X Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases
Earn 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.
2X points for each dollar spent on local transit and commuting, including rideshare
2X points on select streaming
Earn up to 120,000 points - earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening and an additional 60,000 points when you spend $15,000 in 9 months.
2X points per $1 spent on local transit and commuting, including rideshare services
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
2X miles per $1 spent on dining, including eligible delivery services
2X miles per $1 spent at office supply stores
2X miles per $1 spent at gas stations
2X miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges
Earn 140,000 bonus points after spending $4,000 in the first 3 months from account opening. That's up to 4 nights at 5,100+ out of all IHG Hotels & Resorts' properties globally.
The Platinum Card® from American Express.
New Offer: Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
5X Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel via AmexTravel.com
Earn $1,000 bonus cash back after you spend $10,000 on purchases in your first 3 months from account opening.
5% total cash back on travel purchased through Chase Travel℠, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance
5% cash back on Lyft rides through March 31, 2025
Earn $350 when you spend $3,000 on purchases in the first 3 months and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening plus earn a 10% Business Relationship Bonus.
5% cash back on Lyft rides through March 31, 2025
5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
80,000 Bonus Miles After You Spend $5,000 On Purchases In The First 3 Months From Account Opening
4X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
2X miles per $1 spent on dining including eligible delivery services
60,000 Bonus Miles After You Spend $4,000 On Purchases In The First 3 Months From Account Opening + 500 Premier Qualifying Points (PQP)
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
10X total points on hotels when you purchase travel through Chase after the first $300 is spent on travel purchases annually
3X points on dining at restaurants, including eligible delivery services, takeout, and dining out
140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
5X total points on travel
5X total points at gas stations
5X total points on dining
Earn up to 120,000 points - earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening and an additional 40,000 points when you spend $15,000 in 9 months.
2X points per $1 spent on internet, cable, and phone services
2X points per $1 spent on local transit and commuting, including rideshare services
2X points per $1 spent on social media and search engine advertising
50,000 Bonus Miles After You Spend $3,000 On Purchases In The First 3 Months From Account Opening
2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
2X miles per $1 spent on dining, including eligible delivery services.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.
5% cash back on Lyft rides through March 31, 2025
Earn 50,000 points after you spend $1,000 on purchases in the first 3 months from account opening.
2X points for each dollar spent on local transit and commuting, including rideshare
2X points for each dollar spent on select streaming
20,000 Bonus Miles After You Spend $1,000 On Purchases In The First 3 Months From Account Opening
2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United purchases
2X miles per $1 spent at gas stations
Our business cards offer services to help you during auto-related emergencies, such as jump-starting, tire changing and towing.
Get our best prices on thousands of trip options'even after you book. Plus, pay flexibly with your rewards, a card or both. Explore Capital One Travel.
We help safeguard your credit card purchases using sophisticated fraud monitoring. We monitor for fraud 24/7 and can text, email or call you if there are unusual purchases on your credit card.
View your FICO® Score anytime, with no impact to your score. It's updated monthly and easy to find on the Citi Mobile® App and Citi® Online. See the key factors affecting your score and more.
Earn up to $240 back toward your qualifying AT&T wireless bills every year - it pays to be an AT&T wireless customer. Every billing cycle, earn $20 back as a statement credit after you spend $1000 on purchases or $10 back as a statement credit after you spend $500-$999.99 on your AT&T Points Plus? Card.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get your $150 annual fee refunded every year you spend at least $150,000.
Means you won't be held responsible for unauthorized charges made with your card or account information.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Get a complimentary 3 months of DashPass, DoorDash's membership that provides unlimited deliveries with $0 delivery fee and reduced service fees on eligible orders on DoorDash and Caviar. After that, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by December 31, 2024.
Earn 5% cash back on Lyft rides through March 31, 2025. That's 3.5% cash back in addition to the 1.5% cash back you already earn.
Transfer your miles to any of our 15+ travel loyalty programs.
Receive an annual $300 credit for bookings through Capital One Travel.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
You'll get additional warranty protection at no charge on eligible items that are purchased with your credit card.
With our Venture X, Venture and VentureOne miles rewards cards, transfer your miles to your choice of 15+ travel loyalty programs for more flexibility.
Rent an eligible vehicle with your credit card and you can be covered for damage due to collision or theft.
Get free additional warranty and protection on eligible items that you purchase with your card.
Get free additional warranty and protection on eligible items that you purchase with your card.
Go through airport security and customs more quickly with Venture X Business. Receive up to a $100 statement credit on Global Entry or TSA PreCheck®
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
Get automatic insurance for a covered loss at no extra charge when you use your credit card to purchase your fare.
"Turning a 'No' into a 'Yes': Navigating Credit Card Reconsideration Calls"
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Getting rejected for a credit card isn't fun, but it's often not the final answer. Most banks have reconsideration lines where you can make your case. Here's what you need to know.
Before you dial, take a few minutes to prepare:
American Express
Chase
Bank of America
Citi
Important: Some banks don't do reconsideration at all, including Discover, TD Bank, and HSBC. Don't waste your time calling these - if they decline you, it's final.
Remember: The person on the other end of the line wants to help if they can. Make it easy for them to say yes by being prepared and professional.
If reconsideration doesn't work out, wait a few months and try applying for a different card. Sometimes timing is everything with credit applications.
Get the latest credit card insights, finance hacks, and exclusive offers. Sign up and shape your financial future now!
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