If you’re among the tens of thousands of TPG readers who jumped on one of the incredible credit card welcome offers we’ve seen in the past couple of months, you’re likely working on meeting the spending requirement for the bonus.
Failing to earn the welcome bonus can be a big letdown that leaves a huge chunk of your card’s first-year value on the table, so you may want to go into it with a strategy in mind.
To ensure you get to collect that sweet pile of points, we always recommend directing your spending in ways that will hit the requirement within the required time frame, without spending more than you normally would.
Here are a few of my favorite tricks for doing this:
Move all daily spending to your new card: Groceries, travel, dining, shopping. I don’t use other cards when I’m working toward a welcome bonus, even if they’d earn more in those categories. I stay focused on earning the bonus.
Pay your rent or mortgage. While paying these bills with a credit card may incur a transaction fee, it may be worth doing if it helps ensure you’ll get the bonus.
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
