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If you’re considering a credit card, bonus-friendly season is here
By Melissa Lambarena | NerdWallet
In late 2017, San Francisco couple Riley Adams and his wife stumbled upon the Halley’s comet of airline credit card welcome offers. For a limited time, the card was advertising a companion pass on top of a large sign-up bonus.
“We knew we had a lot of spending in one specific area coming up, and we wanted to try to shop around to get the best value for those needs,” says Adams, a certified public accountant, financial adviser and owner of the blog Young and the Invested. “If you plan for it, you can really offset those costs [with a sign-up bonus].”
If you’re considering a new credit card, the bonus-friendly season from October through December is an ideal time. Your expenses on Black Friday, holiday travel and meals, end-of-the-year charitable donations and more may easily meet a large spending requirement for a juicy sign-up bonus.
Here’s what to know about such offers.
Timing a credit card bonus
A sign-up bonus is a one-time incentive offered by rewards credit cards on top of any ongoing cash back, points or miles on purchases. Snagging a bonus typically requires spending between $500 and several thousand dollars within a certain time — often three months — after you’re approved for the card.
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