If the card has an annual fee, note the date you should be considering calling in for a retention offer.An easy way to know for sure is to send a “secure message” through your online login to get the exact date you need to hit the spending requirement. How much time do you have to meet the spend? Most issuers give you three months from the approval date, but some banks may only have a two-month window.Date the card was approved–this is when the countdown starts for the minimum spend to be met.You’ll Want To Know The Following Pieces Of Information About Each Card: The ounce of prevention here is the ability to get a little organized. Or, forgetting to pay off your statement in full, and getting hit with either a late fee, or significant interest expense, or both. There are few things more tragic than jumping through all the hoops to get approved for a card, then not getting the signup bonus because you either confused the amount of the minimum spend or messed up on the deadline. The key to winning the travel rewards game is being organized. ![]() Staying Organized (A Little Goes A Long Way) Download: Download the mobile app of your card issuer.Choose: Select benefits, if any, such as with some of the premium cards from American Express. ![]()
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