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Previously: Rookie Alli’s First Cards: Picking the Cards


My first cards couldn’t have been easier! While I did hit a couple of snags, none were very serious, and I am treating them as learning experiences. I applied for all five card in one day and was able to fit in the applications and any needed calls to the credit card companies around the other things I had to do that day: a kickball game and some flip cup.

I started with the Frontier card at 10:11 AM and was instantly approved online.

I even got to pick which Frontier mascot I wanted on my card. I went with Foxy Brown.

Excited after this positive start, I moved on to the United MileagePlus Explorer card. Again, instant approval! I’d been at this for 20 minutes and was two-for-two on these applications.

…Except that I had clicked the Submit button without adding a second cardholder to the account. That click was a 5,000 mile rookie mistake.

Chase lets you add an authorized user to the card and earn 5,000 extra miles upon first purchase.

On the application, I just skipped over the section because it wasn’t very noticeable.

I might be able to salvage those points, though. I’ll send a secure message to Chase and see if they will let me add a user for 5,000 miles. I’ll report back.

Disappointed about the United blunder, I moved on to the Discover it™. This is where I encountered my second snag of the day. I filled out my personal information, checked the Terms and Conditions box, and was redirected back to the original application page. Not letting this computer glitch deter me from my mission, I again filled out my info, checked the box, and… nothing.

A quick phone call to Discover informed me that they were having system wide technical issues, their staff was slammed, and could I please call back later? I called again that evening at 8:00 PM, concerned with the fact that I may have submitted two applications or maybe none at all. The agent told me that I had indeed submitted two, and that the first was instantly approved but the second was pending further review. I asked her to shut down the second application, which she did. Success!

The fourth card I applied for was the Mercedes-Benz Platinum card. Once again, I was instantly approved and received an email telling me I’d have my card in 2-3 days.

I applied on Sunday, and received it on Tuesday. Considering it was a holiday weekend, a 48 hour turnaround was quite impressive! I’m already working on the Global Entry application.

The final application was for the Citi® Hilton HHonors™  Reserve Card card. This was the only card that I was not immediately approved for.

That was fine. I learned from applying for the Citi American Airlines cards in November about reconsideration calls since I was not immediately approved for the Citi American Airlines American Express. In my experience, a reconsideration call is no big deal, but I like to prep what I am going to say before picking up the phone.

I know it’s important to convey enthusiasm for the card’s partner (Hilton) and all the card’s benefits except the sign up bonus, so that the bank will think you are a profitable customer.

At a minimum, I was expecting some questions. But after the rep confirmed my identity, he put me on hold, came back, and said I had been approved for the card. Here is a video of the call. Most of the five minute call was spent goofing off on hold.


I applied, and was approved, for five rewards cards.

My haul? After a combined minimum spend of $5,250, I will have 35,000 Frontier miles, 35,000 United miles, 50,000 Membership Rewards, free Global Entry, $400 in airline-fee credits or gift cards, two free weekend nights at almost any Hilton across the globe, free lounge access at hundreds of airports, access to huge cashback opportunities from Discover, free breakfast and internet at Hiltons, and a credit card with a fox on it. 😉

  • Frontier Airlines World MasterCard for access to its incredible award chart
  • Chase United MileagePlus Explorer Visa for United miles with a low minimum spend
  • Discover it™ for access to its 5% cash back rotating categories and amazing cash back mall
  • Mercedes-Benz American Express Platinum for the points, lounge access, airline gift cards, and Global Entry despite the huge $475 annual fee
  • Citi® Hilton HHonors™  Reserve Card for two free nights at a Hilton I could normally only dream of
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Just getting started in the world of points and miles? The Chase Sapphire Preferred is the best card for you to start with.

With a bonus of 60,000 points after $4,000 spend in the first 3 months, 5x points on travel booked through the Chase Travel Portal and 3x points on restaurants, streaming services, and online groceries (excluding Target, Walmart, and wholesale clubs), this card truly cannot be beat for getting started!

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