The cards that "got away" are credit cards I considered getting, but once I decided I wanted them, the offers were already gone.
There are three categories:
- Cards that are offered for a limited time, and are no longer publicly available
- Cards that are discontinued
- Discontinued offers
Cards that are limited time offers
The FNBO TravElite card is a prime example of a card that was only available for a limited time and is no longer publically available. I couldn't apply for the card at the time it was released because FNBO is known to be inquiry sensitive.
I knew I would have been rejected if I applied right away, so I had to wait at least two months for an inquiry to fall off. By the time two months rolled around, the card was no longer publically available.
The reason why the FNBO TravElite card was on my list is that it doesn't have an annual fee, but it does have a ton of travel perks you would expect from a premium credit card. It was free money for having the card.
The FNBO card is still available, but it's invitation-only. If this card does become publically available again, I'll be sure to let you know!
Cards that are discontinued
The Citi Hilton card was on my list to get because of the free annual night, but I held off on getting it because Citi is another credit issuer that is inquiry sensitive. By the time the inquiries fell off my credit report, Citi had phased the card out of its catalog.
Ironically, I have been successful in applying to cards that were in the process of being phased out. The Chase Fairmont card is a good example of a hotel card that was discontinued this year. Fairmont certificates can be used in conjunction with free upgrade certificates, which can make the hotel stay more memorable.
The Chase Ritz-Carlton is an example of an offer that was discontinued. I applied for the card when Chase announced they were increasing the annual fee from $395 to $450. Some people found leaked links and were locked into the $395 annual fee.
The final two cards that got away are the Chase Marriott and the United card. I'm over Chase 5/24, so I can no longer apply for these cards. I wanted the United card because you can get a free checked bag, even with Basic Economy. There were increased offers up to 80,000 points that I couldn't apply for.
The Chase Marriott card is another card that got away because at first glance, it didn't seem like the signup bonus would be worthwhile. After a bit of research, it looks like the points can go a long way if you use them properly, especially at international properties. The free anniversary night can also be redeemed at any property.
A lot of card recommendations I have are from lessons I learned, and cards that fall under the Chase 5/24 rule.
View the current public card offers by clicking the travel banner above this post.