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A part of my plan to “work harder to earn more points” is to make sure I am fully maximizing every dollar I spend on my rewards credit cards. Some of that is easy and almost mindless at this point, as many of us who have been at this a little while could recite benefits like 2x on dining with the Chase Sapphire Preferred® Card, 5x on cell phone expenses via the Ink Plus® Business Card, 5x this quarter at gas stations via the Chase Freedom, and 3x on airfare via the American Express(R) Premier Rewards Gold Card, even if we were strung up by our feet and blindfolded.
Unlike those bonuses, some category or spending bonuses are harder to keep at the forefront because they are targeted and are ever changing. However, just because these can be harder to keep track of in your head (or folder, spreadsheet, etc.), doesn’t mean you should ignore them as they can sometimes be very lucrative. You will usually find out that one of your rewards credit cards is eligible for a special category or spending bonus by getting a letter in the mail, an email in your inbox, or both. Look at things that come in the mail as they aren’t always junk! You then usually have to register for your targeted bonus. While this is not an exact science, I find that I am more often targeted for these types of bonuses on cards that I am not using very frequently.
Here are the targeted bonuses I currently have on my cards:
- 9,000 bonus Avios on my British Airways Visa Signature® Card if I spend $4,500 on the card between January 1 – March 31.
- 3x American Airlines miles on my Citi AAdvantage Visa Signature/Citi Platinum Select Card at electronic, clothing, toy, and department stores from January 1 – March 31, up to the first $1,250.
Promotions I am watching out for:
- My husband recently got the US Airways MasterCard, so we are really on the look-out for any bonuses since that card often targets newer card members for spending bonuses such as 15,000 bonus miles for putting a certain amount on the card for three consecutive months, or 5x on certain categories up to a certain amount.
- I have had good luck recently with bonuses via the promos site on my US Bank FlexPerks Travel Rewards Visa Signature, however there aren’t any promotion in there for me currently.
While there is obviously never a guarantee you will get a targeted bonus on your account, I think it helps to know what is out there on different cards, so you can keep an eye out for promotions that might be available to your account. What targeted bonuses are you working on right now?
Disclosure: I receive a commission if you are approved for a credit card using my affiliate links. Some of the cards in this post are affiliate links, some aren’t. All are to the best offers I am aware of.