How Can You Expedite the Process of Receiving Credit Card Points from a Sign-up Bonus?

Sep 29, 2013

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TPG reader Matthew asks:

“Most airline credit cards I see say, “Please allow 6 to 8 weeks for Credits to post to your account” for their sign-up bonuses. If I want to travel within those 6-8 weeks (i.e. go home for Thanksgiving), is there any way to expedite that process, or specific cards that don’t have that mandatory hold period?”

Most credit card bonuses post when your statement closes after you have hit the minimum spending threshold required to earn that bonus. In order to get the sign-up bonus as quickly as possible, hit that minimum spending threshold as quickly as possible to get your points sooner. Banks also tend to be pretty flexible if you call them up to ask them to switch your statement closing date because a lot of people do this to synchronize their statements all coming in at once. You can ask them to bump it up sooner, and that way the points hit your account faster.

In order to get the sign-up bonus as quickly as possible, hit that minimum spending ASAP.
In order to get the sign-up bonus as quickly as possible, hit that minimum spending ASAP.

Some issuers are better about this than others. American Express, for instance, imposes a one-month pending phase between earning the bonus and receiving the points in your account, but you can always call them up and say that you’ve hit your minimum spend, you’ve paid off your statement and you’d like the points immediately because you need them, and they might be willing to work with you.

Above all, be proactive and polite, and remember, it never hurts to ask!

Chase Sapphire Preferred® Card

WELCOME OFFER: 60,000 Points

TPG'S BONUS VALUATION*: $1,200

CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Regular APR
15.99%-22.99% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.