BACK

Rewards Programs

No time to earn a sign-up bonus for spring travel? No problem!

Summary

Planning a spring trip and running out of time to earn a new card sign-up bonus? Here’s how to improve your experience with other card perks and save money before you qualify for the bonus.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

If you’re gearing up for a spring vacation, a credit card sign-up bonus can help you get there for less.

However, if you’re applying for a credit card now, you may not meet the minimum spend requirement in time to get the bonus and book your trip.

The good news is that for many cards a sign-up bonus isn’t the be-all and end-all. You can improve your travel experience with other card benefits and even save money long before you qualify for the bonus. Here are some top options.

Airline and hotel perks

Many airline and hotel credit cards offer specific benefits when you fly with them or stay at their properties.

“There are certain products that, when you fly, you’re going to get your first checked bag free,” says Dan Dougherty, managing director of airline partnerships at Barclays, “or you can get priority boarding with a card.”

Some airline cards even offer free or discounted tickets when you book a flight with a companion. One example is Bank of America’s Alaska Airlines Visa Signature credit card, which offers a discounted fare for a companion starting at $121 with a paid ticket on your account anniversary each year.

With a hotel credit card, on the other hand, you might get elite status that comes with perks like free room upgrades or complimentary breakfast. For instance, the Marriott Bonvoy Boundless Credit Card automatically entitles cardholders to silver elite status in the Marriott Bonvoy program, and offers a free night award every year after your account anniversary.

While some of these benefits are quantifiable – Delta Airlines charges $30 for your first checked bag each way, for instance – others simply improve the quality of your experience.

See related: Sick on vacation? Credit cards can help you survive

Trip protections

Several travel credit cards come with a set of travel protections, such as rental car insurance, trip cancellation and interruption insurance, baggage delay reimbursement and more. While you hope you’ll never need to use them, they can come in handy when things don’t go your way.

Just having the card isn’t enough to get the coverage, however.

“You have to buy a ticket or pay the taxes and fees for an award ticket with your card to get the benefit,” says Richard Kerr, founder of the Award Travel 101 Facebook community.

It’s also important to know that coverage and limitations can vary by issuer, says Dougherty. Check the terms and conditions to make sure you qualify and have the right amount.

“The benefit guides are written in plain English now, which is nice,” says Kerr. “They do a pretty good job of showing here’s exactly what is and isn’t covered and here’s the amount of coverage.”

“Free hotels and flights are awesome, but there’s a whole lot more to travel than just a hotel or a flight.”

Free travel credits

A handful of premium travel credit cards offer cardholders statement credits good for certain purchases, including incidental airline fees, a TSA Precheck or Global Entry application, hotel stays or even general travel.

Brett Holzhauer, a Utah-based digital content manager, applied for the Hilton Honors American Express Aspire Card in preparation for a spring trip to Bora Bora or the Maldives. The card offers a credit for a free weekend night at participating Hilton properties, a $250 airline incidental fee credit and a $250 Hilton Resorts credit.

“The free night is incredibly valuable when used properly,” he says. “Some of these hotels can cost $800 or more per night.”

Some credit cards even offer credits against a flight or hotel stay if you apply for the card during the booking process, says Dougherty. “Customers have the opportunity to get the card, the value of the loyalty currency and a discount on the [booking].”

Keep in mind, though, that the discount may be coupled with a reduced sign-up bonus instead of what’s publicly available through the card issuer.

If you’re considering a credit card that offers travel statement credits, check before you apply to make sure your planned expenses will be covered. The last thing you want is a credit you can’t use.

See related: It’s time to start planning your summer vacations using rewards points

Airport lounge access

Complimentary airport lounge access is another premium travel perk that can make your life easier. While lounge networks can vary, you can usually expect to get a quiet space away from the hubbub of the rest of the airport, as well as free snacks and drinks. Some lounges even provide full meals and complimentary cocktails.

If the lounge is run by the airline you’re flying, you’ll also get access to dedicated customer service representatives.

“I’ve been in LAX before with something going on, and the line to the customer service desk is halfway down the terminal,” says Kerr. “If you just roll into the lounge, you get help immediately and probably 10 times the help you would have gotten from the poor, frustrated customer service agent in the terminal.”

Unfortunately, premium credit cards tend to charge steep annual fees – often $450 or more – which can be hard to justify for some.

“I see major opportunity to extract value” based on the card’s benefits, which technically outpace the costs, Holzhauer said.

If you don’t travel often enough, though, you may not have the chance to maximize those benefits. If someone only travels four times a year or less, for instance, Kerr won’t recommend a premium card at all, instead favoring cards like the Chase Sapphire Preferred Card that offer great rewards and a reasonable annual fee.

Retroactive redemptions

With most travel credit cards, you can only use your points or miles to book future travel. But with some, including the Capital One Venture Rewards Credit Card and the Barclaycard Arrival Plus World Elite Mastercard, you can book travel and use your rewards later to cover the cost.

As an example, let’s say you spend $500 on a flight as soon as you get your new card. Depending on the product, you could have between 90 and 180 days to use your rewards to get your money back on that transaction.

What’s more, these general travel cards typically offer more flexibility with rewards redemption, going beyond the typical airfare or hotel stay options.

“Free hotels and flights are awesome, but there’s a whole lot more to travel than just a hotel or a flight,” says Kerr, who recently used his Arrival Plus to knock $600 off a cruise fare and book Disney World tickets through a travel agency website.

See related: All aboard! These are the best credit cards for cruises

Tips for meeting the minimum spend requirement

Having the right credit card perks can make your next trip easier, but it’s important to avoid letting that sign-up bonus go to waste.

To get the sign-up bonus faster, use the card for all of your everyday purchases. Also, consider switching your recurring monthly bills to the new credit card.

If you can’t reach the minimum spend requirement on your own, Holzhauer says not to let that stop you from earning a sign-up bonus.

“If I’m not able to do that, I usually call a family member or friend and see if they have any large expenses coming up.” He’ll then offer to use his credit card and have them pay him back in cash.

And if you’re desperate, consider using a service like Plastiq to pay your mortgage or Venmo when you need to send money to family or friends. These services charge fees, but if the alternative is losing a bonus worth hundreds of dollars, it may be worth it.

What’s up next?

In Rewards Programs

Are you making this huge mistake with your points and miles?

Some rewards credit card users make the mistake of accumulating massive sums of points and holding onto them for dear life. Here’s how to start using your points wisely.

Published: February 20, 2019

See more stories
Credit Card Rate Report Updated: June 12th, 2019
Business
15.61%
Airline
17.54%
Cash Back
17.68%
Reward
17.57%
Student
17.79%

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.