{"id":217456,"date":"2022-01-21T09:34:00","date_gmt":"2022-01-21T14:34:00","guid":{"rendered":"https:\/\/milesopedia.com\/questions-requests-program-cards\/"},"modified":"2026-04-01T14:32:07","modified_gmt":"2026-04-01T18:32:07","slug":"questions-requests-program-cards","status":"publish","type":"page","link":"https:\/\/milesopedia.com\/en\/questions-requests-program-cards\/","title":{"rendered":"Frequently Asked Questions about Credit Cards and Rewards Programs"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text el_class=”checkmarks”]<\/p>\n

Every day, recurring questions<\/strong> about points, programs, credit cards, and other exciting topics reappear in discussion threads on the Milesopedia Facebook group<\/a>. These are, of course, asked by a new member in the group or by a member who has simply forgotten the answer. <\/p>\n

We’ve gathered the most popular questions<\/strong>: the ones that keep coming up! <\/strong>So that we can offer you this page instead of repeating the answer.<\/p>\n

The beauty of the page is that it will evolve as the popularity of a question grows. This will be crowned by its inclusion in this list.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column el_class=”faq”][vc_custom_heading el_id=”best_practices” text=”Best practices” google_fonts=””][vc_empty_space][vc_row_inner][vc_column_inner][vc_custom_heading el_id=”screenshots” text=”Screenshots” font_container=”tag:h3|text_align:left” google_fonts=””][vc_empty_space][vc_toggle title=”How do I find a screenshot of a completed credit card welcome offer?” open=”true”]<\/p>\n

Just search the Milesopedia Facebook group<\/a> for the post about this offer, or use the Waybackmachine<\/a> site that serves as a web archive with the credit card page (on the bank’s website).<\/p>\n

[\/vc_toggle][vc_empty_space][vc_custom_heading el_id=”credit_rating” text=”Credit Rating” font_container=”tag:h3|text_align:left” google_fonts=””][vc_empty_space][vc_toggle title=”Will an additional credit card affect my spouse's credit rating?” open=”true”]<\/p>\n

No, never.<\/p>\n

[\/vc_toggle][vc_empty_space][vc_custom_heading el_id=”cancellation” text=”Cancellation” font_container=”tag:h3|text_align:left” google_fonts=””][vc_empty_space][vc_toggle title=”Should a credit card be downgraded or cancelled before or after the renewal date?”]<\/p>\n

In fact, neither. You can do so during the 11th month or within 30 days of renewal. <\/p>\n

[\/vc_toggle][vc_toggle title=”Why not cancel a credit card right after earning the bonuses and switch to another?”]<\/p>\n

Because the lending institutions will not appreciate this gesture. They may identify you as a point hunter and not as a future customer. They may then refuse to give you new ones. Think of these transactions as a business relationship.<\/p>\n

[\/vc_toggle][vc_empty_space][vc_custom_heading el_id=”gift_cards” text=”Gift cards” font_container=”tag:h3|text_align:left” google_fonts=””][vc_empty_space][vc_toggle title=”If I purchase a grocery gift card via Rakuten\/PayPal\/or another third-party site, will I receive the multiplier for the grocery category (e.g., Cobalt 5x points)?”]<\/p>\n

No. Payment will be made from the third-party website, so generally at 1X the points.<\/p>\n

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Of course, and more and more, but a little less than Visa<\/a> and Mastercard,<\/a> which are accepted everywhere. That is the reason we wrote this article<\/a>. You should be able to meet the amounts to spend with these instructions.<\/p>\n

[\/vc_toggle][vc_toggle title=”Can one receive a new bonus after having previously applied for the same American Express card?”]<\/p>\n

At American Express, it’s one bonus per card for life. Nothing prevents you from applying for the closed card again one day, but the bonus will not come a second time.<\/p>\n

[\/vc_toggle][vc_toggle title=”If I already have an American Express credit card, am I eligible for the welcome bonuses of other AMEX cards?”]<\/p>\n

Of course! In addition, you can have 4 credit cards and an unlimited number<\/a> of American Express payment cards at the same time.<\/p>\n

[\/vc_toggle][vc_toggle title=”I already have an American Express card: can I self-refer to another card or refer my spouse?”]<\/p>\n

For self-referral, the practice is not permitted by American Express.<\/p>\n

And the financial institution has been monitoring this, especially since 2020. We do not recommend it for spousal sponsorship if you live at the same address. American Express has been cautious in the past with this practice. However, for interested friends, colleagues, or relatives residing at a different address, it’s a definite YES!<\/p>\n

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No, HSBC points cannot be redeemed for Aeroplan points. However, you can convert them into Avios, KrysFlyer or Asia Miles. You can also apply them to your travel expenses to reduce costs.<\/p>\n

[\/vc_toggle][vc_toggle title=”How do I use the $100 annual credit offered by the HSBC World Elite®<\/sup> Mastercard®<\/sup>?”]<\/p>\n

You can use the annual $100 credit on any airline-related purchase: flight ticket purchase, seat selection, baggage fees, airport lounge access, etc. Some have also been able to use this credit on bookings with Expedia. Consult our article on this annual credit here<\/a>. <\/p>\n

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The $100 question. If there were only one, we wouldn’t waste time talking about the others. Finding the right credit card(s) depends on each person’s goals – spending habits – income, etc. Milesopedia recommends reading the beginner’s guide<\/a> or listening to the videos<\/a> to determine THE right card(s) for you.<\/p>\n

A credit card comparison<\/a> tool is here to help you, as well as a selection of the best credit card offers<\/a> of the moment.<\/p>\n

[\/vc_toggle][vc_toggle title=”Are there any student credit cards that offer a welcome bonus?”]<\/p>\n

Of course! Just visit our credit card comparison<\/a> tool. Or you can check out our page on the best student credit card offers<\/a>.<\/p>\n

[\/vc_toggle][vc_toggle title=”Are there any good credit cards with no annual fee?”]<\/p>\n

Of course! You can find out about them in our credit card comparison<\/a>. Or you can check out our page of the best no annual fee credit card offers<\/a>.<\/p>\n

[\/vc_toggle][vc_toggle title=”Are there credit cards with no conversion fees for foreign currency transactions?”]<\/p>\n

There are a few credit card options with no conversion fees<\/a> for foreign currency transactions.<\/p>\n

You can find out about them in our credit card comparison<\/a>. Or you can check out our page on the best credit card offers with no conversion fees<\/a>.<\/p>\n

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At least one activity is required to keep the account active. Holding a credit card makes things easier, as a simple purchase on the card counts as an account activity. Otherwise, you must either accumulate points, purchase points, or use them. <\/p>\n

Accepted periods of inactivity:<\/p>\n