One of my favorite things to do is to constantly check for credit card offers. By doing a little bit of research you can maximize your earnings and sometimes earn DOUBLE the miles on a welcome offer. (I think I have a slight obsession with credit cards!) Before I apply for a credit card, I always like to make sure I’m getting the BEST offer available. Remember the advice I’ve given in the past: Always search for a better signup offer before applying.
I like to signup for a credit card when the signup bonus has been increased for a limited time. For instance, this past summer I picked up the Amex Delta Gold and Amex Delta Platinum at 50,000 miles each. Typically you can find the signup bonus to be between 25,000 – 30,000 miles. Since Amex only allows 1 bonus per card per lifetime, you really need to be careful that you’re getting the absolute best signup bonus.
Here are my tips on how I search for credit card offers!
After you open this webpage, click the link in the top left hand corner that says “Offers Matched to You”.
Personally, I’ve had little success with CreditCards.com. I’ve never seen any lucrative credit cards offers, but I continue to check. I ran my dad’s info through this website just 1 week after adding him onto my American Express account as an authorized user, and they offered him the Amex Premier Rewards Gold charge card with 50,000 Membership Rewards points after only $1,000 in spending and NO ANNUAL FEE the first year. The normal signup bonus is 25,000 points after $2,000 in spending.
2. FlyerTalk Credit, Debit and Prepaid Card Programs forum
This is an excellent forum that lists all the latest credit cards offers. What I really like about this forum is members share their experience being approved or declined so you can compare results. You’ll often find backdoor numbers to call if you’re not instantly approved and plenty more data points. This is how I discovered to call the Spanish line for my Bank of America Virgin Atlantic card after not being instantly approved!
3. Check for a pre-qualified link on a bank’s website
If you already have a credit card in mind, then visit the bank’s website who issues the credit card and see if they have a pre-qualified offer. Sometimes the pre-qualified page will offer a better signup bonus than what’s offered to the general public. That’s because the bank is targeting you and trying to lure you in to becoming a customer.
You’ll have to input your name, address, and last four of your social security number. This does NOT affect your credit whatsoever and it does not result in a hard pull on your credit.
Here are some pre-qualified links for the top banks:
- American Express – Check for pre-qualified offers
- Bank of America – Check for pre-qualified offers
- Barclaycard – No pre-qualified link found at the time of this posting
- Chase – Pre-qualified credit card offers
- Capital One – Check to see if you’re pre-qualified in under 60 seconds
- Citi – See all pre-qualified offers
- US Bank – Get recommended card offers
After using all the options listed above, I often times will go to Google and start searching for a specific credit card offer. For instance, when I applied for the Amex Delta Platinum card back in September, I found the link through Google. The public offer on American website’s was only 5,000 bonus MQMs and 35,000 SkyMiles. The deal I found was on some random website that had posted a special link for the Business version of the credit card with 15,000 MQMs and 50,000 SkyMiles! What a deal! Because of this link I found, I was able to achieve Delta Silver Medallion status this year.
The trick to using Google is to narrow down your search results and only show recent data:
After you type in the credit card bonus you’re looking for, click on “Search Tools” and then select either a week or a month. This will filter out all old application links that lead to bonuses that are no longer valid.
I hope these tools help you in your search for the best credit card signup bonus! If you have any questions, please feel free to comment below, contact me through social media, or e-mail me!