I applied with a 704 score on credit karma and was accepted for the signature card so I get all the advertised perks and a $5000 limit. However the letter I received from the card company stated my Experience score was only 660. Anyway I was approved and hoping to take advantage of the reward miles.
First credit card I got in college, specifically for study abroad. Kept since.
To redeem points: Must use 2,000 points at once ($20 minimum) which is not a big deal. The 20,000 bonus is therefore $200 credit. Points are used on qualified purchases (basically anything travel related). Can use mobile banking app to redeem and redeem partially i.e. $300 purchase, apply 20,000 points.
No FX is nice, especially when a lot of foreign purchases will offer to convert it for you (rate is always worse than BoAs). However, no FX is pretty standard today.
I plan on getting another card to replace it simply because points are not earned for everyday use. Will likely replace with Amex Gold, Barclaycard or Chase Sapphire
Approved for $10k limit with just over 700 TU and EQ scores.
Alaska miles are great for redemptions to Mexico, Costa Rica and many airports in the western states. Europe redemptions can be tough due to high fuel surcharges. There is some value with the companion pass, but it's more like 2 for the price of 1.5, than a 2 for 1 deal. If you need to check bags or regularly purchase tickets on Alaska Airlines, this card is a must.