Why You Should Always Consider And Never Opt Out Of Receiving Special Credit Card Offers That Come To You Via Mail

Welcome back Travel bugsss! Are you someone who gets a TON of solicitations from credit card issuers in the mail and simply tosses them? Well you might be throwing away free or heavily subsidized vacations. Yes, I went there and I will double down. Throwing away special credit card offers that are tied to your credit profile and SSN (more on that later) can cost you a free vacation. 

"Throwing away credit card offers can cost you a free vacation. "

"What is a special offer?"

A special offer is one that comes in the mail addressed to you and can only be used by you as it is the result of the issuer running a soft credit pull and coming to the conclusion that you would be a valued customer. They then attempt to entice you to join by offering you more points as a sign up bonus than anyone can receive publicly. You must apply with a special code given to you in the mailer that is tied to your name and SSN (last 4).

"Why should I care?"

These offers are usually hard to come by. If you are here, you probably know that points and miles are pretty valuable for travelers and whenever you can get more than the standard offer, you should consider applying.

"How big are these offers in comparison to public offers?"

Like many things, it can vary. Here are 3 examples I found in my mailbox recently.

1. American Express Business Gold

Public Offer: 50,000 Bonus Points after you spend $5,000 in 3 months

Special Offer: 75,000 Bonus Points after you spend $5,000 in 3 months

 Public Offer 6/28/2017

Public Offer 6/28/2017

 Special Offer 6/2017

Special Offer 6/2017

"There is a 25,000 point difference between the public and private offers by American Express. That is nearly enough for a round trip ticket to Aruba from the east coast."

2. Capital One Venture

Public Offer: 40,000 Bonus Points after you spend $3,000 in 3 months

Special Offer: 50,000 Bonus Points after you spend $3,000 in 3 months

3. Citi Premier

Public Offer: 30,000 Bonus Points after you spend $3,000 in 3 months

Special Offer: 50,000 Bonus Points after you spend $3,000 in 3 months

So as you can see, you can really be shooting yourself in the foot by NOT looking up offers before you throw them away. Some Offers start as low as 25,000 and thanks to some special offers, you can get 25k just as an added bonus like in the case of the American Express Business Gold card. That is nearly enough for a round trip ticket to Aruba from the east coast when transfered to JetBlue.

 30,000 Jetblue points round trip.

30,000 Jetblue points round trip.

"How do I sign up and get the added bonus?"

Simply open the mailer and use the unique activation method provided. Usually it is a special URL where you enter information that would only be available to you, such as your name and SSN and or a unique code provided in the mailer. Instructions will always be in the mailer and should be followed to a T if you want to ensure you are getting the bonus upon sign up.  

In conclusion, don't throw away potentially free vacations. Take a good look at your offers before throwing them out. Happy Travels!

Ferns FrancoisComment