Posted by William Charles on March 2, 2017
Credit Cards

Published on March 2nd, 2017 | by William Charles


Remember To Regularly Check For Offers Via Pre-Approval (Higher Bonuses & Avoiding Rules)

Most of the major credit card issuers let you check for pre-approval offers online. A lot of people don’t bother checking these, but I do think you should be doing this on a semi regular basis for some card issuers. I’ll go through each issuer and list what you should expect/be looking for.

Let me know if I forget anything.

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Can definitely attest to this went on to American Express’ website last week to look at the “normal” offers for my sister and was met with the 25k everyday offer for $1k spend. Jumped on it. Had never seen it even in incognito mode before that.

This one is very YMMV. But if one has not had any Amex cards on thier own, but was a additional user, they get 100K Platinum with 3K spend and 50K PRG with $1k(usually even incognito has 3K spend). spend via snail mail and pre-approval. My wife got one and applied for the PRG and got approved instantly.

Does Amex “check for offers” not work if you already have an amex card? Whenever I entered my information, it asked me to log in. Asked some of my friends who have amex cards to check and they got the same message.Can anyone provide a DB? Thanks!

Bob, I tried and don’t get an error message. I also have never had an AMEX before.

The only way to get good offers if you already have AmEx card, you gotta use VPN or incognito.

I checked Chase (way over 5/24) and there were no offers as expected. However Cardcash listed the Freedom and Sapphire which I already have and the Slate and Freedom plus which I do not. Are they just wrong?

BoA: Wrong. You should check BoA. I had an offer for $200 on $500 spend for the basic Cash Rewards card. Normal offer is just $100 (and my wife only had the $100 offer)

I’d disagree about US Bank. You won’t see any good offers, but they will follow up with mailers a couple weeks later. For example, last time I checked US Bank (last month), they followed up with a mailer for the Cash+ card @ 0% for a yr and a $250 bonus after $500 in spend. Didn’t bite, but AFAIK, that’s better than any offer out there.

How come you didn’t do that offer? It sounds good to me. Do they exclude you if you already have a Cash+?

Never had a US Bank card, but I’ve had a checking account with them for a number of years. I’m a few months from falling under 5/24, so I figured I’ll wait a bit.

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