I know that is a big dazzling post title but it’s so true!  I just earned 200,000 miles/points today in less than 20 minutes of my time.  I’m not just writing about it tonight to brag but I’m trying to show you the power of your credit as a tool to travel for free.

I used 20 minutes of my time today and I simply applied for four (4) credit cards at one time with a total combine mile/point score of 200,000 miles/points.  I was instantly approved for 3 and had to call in to get approval over the phone for 1 application.  I do this every quarter; basically 4 times a year and earn thousands and millions of miles to travel free for my family.

Some of you are familiar with this strategy of what is called a “App-o-rama” or a “App Party” in the mile and point world!  It’s super fun and exciting.  It really gets my heart rate up every time.  I’m always hoping for the instant approvals like today and knowing well that I could be battling on the phone for an approval with a nasty credit analysis asking why I want this card and telling me I have a lot of inquires on my report.  The outcome is always very rewarding but sometimes it’s more fun than others.

Well, now some of you who have no experience with this are probably concerned I’m wrecking my credit.  On the contrary, from years of experience my credit only soars with my credit card churning.  Today’s applications will take an initial hit of 2-3 points per applications; resulting in a lose of 8 -12 points on my credit for 4 cards.  This is nothing in the scope of my overall credit history.  In the long term, my credit will increase upward in the next 2-3 months jumping back to where it was and even higher because of the new credit lines I have secured.  I also have no debt except for our mortgage.  So I use my credit cards as tools for earning and never leave a balance unpaid.  I generally am so on top of them that I pay them weekly online.  I currently have excellent credit, Experian 797, Transunion 781 and Equifax 775 (I don’t think anyone even uses them anymore it seems since I have hardly have but 1 inquiry).  You can check out my Guru badge here.  I take great pride in having no debt and using credit cards as tools and not crutches to drag you down into a burden of debt.  I regularly monitor my credit with Credit Sesame and Credit Karma.  Both of these sites are excellent completely free services which do not require a credit card and give you the best monitoring services and alerts out there.  If you aren’t monitoring your credit, you should sign up for their free service.  If you want your full credit report, check out some of the “Free Trial” services on my site here.  Just be sure to cancel within the time frame to avoid paying the monthly fee.  Credit Sesame and Credit Karma are excellent for monthly monitoring but do not give you a full detailed credit report.  I suggest reviewing you full credit report at least a few times a year.

Now, some of you may want to know what credit cards I applied for which I understand of course but that is really not the point (See my cards below).  The point is you can earn 200,000 miles/point in 20 minutes  and even more with a variety of credit card bonus offers.  Know one can tell you which card is best for you unless they personally know your travel objective and goals.  You must establish a goal and then go after it.  If you ever need help with this, feel free to write me and I can suggest cards that will best help you achieve your travel objective.  In my case, I wanted to replenish some American Airlines miles I had just burned last summer booking our family’s flight to London this coming April.  I used 80,000 (20,000 one-way per person x 4 people, plus $20 in taxes).  In my 20 minute app party, I earned back 100,000 American Airlines with two credit card bonuses. (or should I say I’m in the process of earning them because they aren’t in my account just yet).  Then I also applied for the Southwest Rapid Rewards Visa for 50,000 points because I just haven’t had that card in awhile and I’m low on Southwest points.  The last card was for the Barclay US Airways Dividend Mastercard for 50,000 miles (really it’s only 40,000 on first purchase and the additional 10,000 requires a balance transfer which is a bad deal).  By the way, I just canceled the US Airways Dividend Mastercard in October of last year and I had opened it the previous year in 2011.  I’ve hear you can apply and get approved for this card in even in a short span of time but I always play it conservative.  With my minimum spends on all the cards, it will bring me just a few thousand miles shy of 200,000 but I’m sure I’ll charge groceries and bills too so that’s a mute point.  For many mile and point collectors 200,000 miles in one app party is light weight but I’m conservative and I take my time waiting for the best offers.  There will always be another offer and another time to apply.  I have millions of miles and not enough vacation time to use them all, so there is really no rush in earning.  I suggest people to be wise and prudent with their applications as well and not go all crazy with 8 cards in one day.  But hey, everyone has their own comfort level.  I’ve read some extreme stories and hear many a tales.

Here is a copy of my first quarter from the excel spreadsheet that I keep.  I would suggest that you keep one as well if you are into using credit cards as earning tools.


AAdvantage American Airlines Citibank – personal                 50,000                   3,000.00 2/7/2013  $               –    OPEN 
AAdvantage American Airlines Citibank – Business                 50,000                   3,000.00 2/7/2013  $               –    OPEN 
Rapid Rewards Southwest Airlines Chase                 50,000                   2,000.00 2/7/2013  $           99.00  OPEN 
Dividend Miles U.S. Airways Barclay                 40,000  First purchase  2/7/2013 $            89.00  OPEN 


Cit Platinum Select AAdvantage Visa Signature Card – 50,000 miles + $150 credit + 2 Admirals Passes

Citi Business AAdvantage Visa Card – 50,000 miles + $150 credit + 2 Admirals Passes

Source:  Flyertalk  Note: There are several different offer options available.  Read this Flyertalk thread over for all your options.  Offer is expired but is still give bonus according to reports on Flyertalk which are very accurate.
Chase Southwest Rapid Rewards Visa
Note: This was a target email offer and I don’t have a working link for this offer currently.  Will post an update if I find one.
I would wait though as this offer will be back again I predict soon and wait your email too!
Barclay The US Airways Premier World MasterCard – 40,000 miles after first purchase. No minimum spend! Yippee!
If you aren’t instantly approved which happens to me so often.  Don’t wait around for a letter to come in the mail to find out if you are approved.  Jump on the phone and call the appropriate reconsideration phone number and get an answer.  You want to speak to a decision maker which is a credit analysis.  You can find all the best contact phone numbers listed on the Miles Momma site under Credit Resources here.
Chase’s typical message:
Thank you for submitting a credit card application to Chase.

Here’s what you can expect next:
We’ll let you know of our decision through U.S. mail within the next 30 days. Please don’t resubmit
this application while waiting for our decision.
If we approve your application, we’ll send your card and other important information to you by U.S
mail. Once you receive your card, call the number on the sticker right away so you can take
advantage of everything your card has to offer.
If we don’t approve your application, we’ll send you a letter explaining why.

Don’t settle for this, get your answer now!  And don’t take “No” for an answer.  Let the credit analysis know why you are a good credit risk and why the bank wants your business.
American Express® Premier Rewards Gold Card25,000 Membership Rewards points
Starwood Preferred Guest® Credit Card from American Express – 25,000 Starwood points
Starwood Preferred Guest® Business Credit Card from American Express OPEN 25,000 Starwood points
Gold Delta SkyMiles® Credit Card from American Express – 30,000 Delta miles
Gold Delta SkyMiles® Business Credit Card from American Express OPEN – 30,000 Delta miles
The Frontier Airlines World MasterCard® – 35,000 miles
Citi® Hilton HHonorsTMReserve Card – 2 Free Weekend Nights
Citi® Hilton HHonorsTMVisa Signature® Card – 40,000 Hilton Honors points
Discover it™ – No initial bonus but an awesome card tool to earn 5% Cashback Bonus in categories that change throughout the year like gas, restaurants, and department stores up to the quarterly maximum.  Use this card to buy reload cards, prepaid cards, visa gift cards or regular gift cards at appropriate stores to earn load of cash back to use on your next travel adventure.
Example:  $1,000 in gift cards, prepaid cards or Vanilla would be $50 cash back.  You could add up some serious traveling cash quickly with these sweet NO FEE card!  I’m adding it to my party tonight!  Never been big into cash back cards but I think this one is a real winner.
Not sure what cards are best for your goals, email me and I’ll help you pick what’s right for you.
The US Airways Premier World MasterCard®

  • Earn up to 50,000 bonus miles on qualifying transactions
  • Exclusive: Redeem for flights for 5,000 fewer miles
  • Enjoy 2 miles per $1 on US Airways purchases
  • Earn 1 mile per $1 spent everywhere else
  • Two roundtrip companion tickets each year
  • Zone 2 priority boarding on every flight
  • First class check-in
  • Please see terms and conditions for complete details


2 thoughts on “HOW TO EARN 200,000 MILES IN 20 MINUTES”

  1. How were you able to get a no annual fee US Airways card. Don’t see the annual fee waived when going to the link…

    1. @Deep – You are very right! Thanks for catching my error! That is an old offer from the spreadsheet. It is $89. I did notice this in the Terms & Conditions when I applied but just missed updating it there. I’ve corrected it now! Thanks for letting me. I appreciate it!

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