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08Nov 2018

Now's the perfect time for a new credit card. Why? – SFGate

TravelSkills has partnered with The Points Guy for our coverage of credit card products and may receive a commission from card issuers.

Right now is probably the best time of year to sign up for a new credit card.

Why? Because it’s the easiest time of year to score big sign-up bonuses offered by banks.

One of the biggest hurdles to getting those fat 40,000-75,000 point or mile sign-up bonuses are the sometimes steep “minimum spend requirements” – you know, the base amount you have to spend in the first three months to get the points or miles.

During the holidays, when expenses rise for travel, gifts, entertaining and dining out, it’s easier than ever to hit that minimum spend.

So if you are bored with your current cards, and worried that you are leaving points or miles on the table…or if you’ve been scared off by a big minimum spend requirement, now’s the time to look again.

Take some time this week to explore your options now before the hectic holidays begin and you don’t have time. Go ahead and get the process started now and get the card before the holiday spending spree begins.

Here’s a list of the bonuses and cards we’ve written about recently- see if you can find one that’s right for you:

40,000 United miles: Chase/United Explorer card- best for United frequent flyers who don’t stray to other carriers

50,000 Ultimate Rewards points: Chase Sapphire Preferred card- rewards points can be redeemed on wide variety of airlines

75,000 Starwood SPG points: SPG Luxury card from Amex- high fee, but its paid back easily in benefits that can greatly improve your trips and hotel stays

40,000 Southwest Rapid Rewards: Southwest Airlines Priority Card – those points will help get you to Hawaii when SWA flights take off next year

25,ooo Membership Rewards points + 20% off restaurant charges: American Express Gold Card- recently revamps for foodie-focused travelers

60,000 Membership Rewards Points: American Express Platinum card – perennial favorite among true frequent travelers, especially those who appreciate a nice airport lounge

$100 (10,000 points): Uber Visa Card by Barclays – best no-annual-fee card going when you consider this card’s rich benefits

Two free nights at Marriott hotels (up to 35K points each): Marriott Premier Plus card – free nights and elite status

50,000 Hawaiian Airlines miles: Hawaiian Airlines World Elite Mastercard- a perfect way to save up for a Hawaiian vacation

What credit card do you carry? Why does it work for you? Please leave your advice for others in the comments. 

TravelSkills has partnered with The Points Guy for our coverage of credit card products and may receive a commission from card issuers.

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Chris McGinnis is the founder of TravelSkills.com. The author is solely responsible for the content above, and it is used here by permission.  You can reach Chris at chris@travelskills.com or on Twitter @cjmcginnis.

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