Limited time offers credit cards can be a valuable part of your points and miles strategy. But you’ll need to know where to find them and be ready to act quickly. Some of the best offers I’ve ever seen have only been around for a couple weeks so if you’re not paying attention, you could easily miss out.
If you don’t feel like waiting around for limited time offers though, make sure that you’re enrolled for targeted offers too. Targeted offers are like limited time offers in the sense that they offer a higher bonus, but they are only sent out to a select group of people.
We don’t know exactly how these people are chosen for limited time offers credit cards, but there are a few things you can do to increase your chances of making the cut. The first and most important step is to make sure you opt in to receive all offers. You might get a little extra junk mail but it will be worth it when you get a targeted 100,000 point offer for example.
With issuers like Citi and Chase, you’ll be automatically enrolled to receive promotional materials and marketing. Chase doesn’t send out many targeted offers but in my experience, when they do, it’s usually a big one. One of their best current targeted offers is for the Chase Sapphire Preferred and it comes with 100,000 points.
Citi likes to send out offers all the time so it’s up to you to filter through them all and find those top offers. Amex is probably the best when it comes to targeted offers but make sure that you’re enrolled to receive them. You can do this by logging in to your Amex dashboard and going to your ‘Profile’. From there, under Communication and Alert Preferences, select General Marketing Preferences. Make sure that you’ve selected ‘YES’ to receive all new card and credit offers.
Amex is known for some of the best ‘targeted’ offers in the business. Their standard Premier Rewards Gold (PRG) offer is 25,000 points but they often send out offers to targeted customers for 50,000 points. A lot of these special offers also come with reduced spending requirements. So instead of having to spend $2,000 in 3 months you’ll only have to spend $1,000 with a PRG targeted offer.
One thing I’ve noticed though in my own experience is that most companies use these targeted offers as a way to gain new customers. They won’t send out a 50,000 point targeted offer if you already have several cards with them. It’s when you’re just starting out that you’ll receive the best targeted offers and you’ll need to be ready to take advantage of them.
Another tool that I like to use to do credit cards compare and find the best limited time offers credit cards is called a credit card match tool. A lot of the best offers aren’t made public because then there would be a rush of applications. A credit card match tool is a site that you can use to find some of the best targeted or limited time offers.
One of the best credit card match tools out there is the CreditCards.com Card Match Tool. I’ve often been able to find offers that are 1-2x higher than the current public offer. All you have to do is enter some of your basic information and the match tool will do the rest.
I was actually able to successfully match a few months ago with a limited time offer for the Amex Platinum Card that came with a hefty 100,000 point bonus. At the time, the highest public offer was only 50,000 points so the Card Match Tool gave me 50,000 extra points!
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