My wife and son recently discovered that they were pre-approved for some business cards they had previously. Through these offers, the wife got one new card and the son got two cards. After completing the minimum spending requirements for these offers, I earned a total of 340,000 transferable bonus points (not counting the regular points you get from your spending). Sadly, I wasn't targeted either of these, but it's all good as I manage my family points.
Business Platinum Card for American Express
When my son logged in to his Amex account, he already had a business gold card, so the offer of 175K bonus points pops up and added the business platinum card to the business. He clicked the “Learn More” button and noted that there is no language in the offer except that if he had previously held the card, he would get a bonus. He had previously had a business platinum card many times, so that was good news. He hadn't actually applied at the time, but every time he logged in, the offer reappeared again with the words “Business Platinum Card®…”.
Finally, he succumbed to apply. He was immediately approved.
Ink business card
Shortly after targeting the Amex Business Platinum Card, my son realized he was “already approved!” For Ink BusinessPreferred® Credit Cards. And my wife realized that she was “already approved!” For both that card and Ink BusinessUnlimited® credit cards. My wife and son found these offers by logging in to their tracking work account. As mentioned above, on the desktop, the offer will appear on the right side of the screen. Here is a close-up of my wife's offer:
In both cases, my wife and son were pre-approved for the cards they had previously held I don't have it now. I don't think my son was targeted by the Ink Business Unlimited card as he currently has one open. There is an opportunity for such a pre-approved offer, as this is a good reminder to cancel or change your product to a card that is not currently in use.
My son was Immediately approved For the ink business, you'd like to spend $8,000 over three months and get 90,000 points. My wife was Immediately approved For an Ink Business Unlimited offer of 75,000 points after spending $6,000 in three months. After applying for one card, both offers disappeared from her account. she I did it It also applies to the Ink Business Preferred Card, but she is not necessarily pre-approved. So, for that, it makes more sense to wait for her to improve her offer.
Minimum expenditure
You will need to spend a total of $34,000 and earn three welcome bonuses. Here are some of the ways I usually handle large spending needs:
- Tax: Fees range from 1.75% to 3%
- Pay the bill: ~3% fee
- Melio (business costs)
- Plastiq (for other costs)
- Kiva Microloans: There is no fee to make Kiva Microloans with a credit card, but there is a risk of not retrieving all the money and costs money until the loan is paid back (for example, you won't earn money during that period).
- Donations to Charities: I like to donate to my favorite charities through PayPal's fundraising hub, as Paypal gives up their credit card fees and sends 100% of their donations to the charity.
In this particular case, I know some big tax bills are approaching, so I probably handle most of the minimum costs like that.
summary
At this point, I wasn't going to do a mini application, but these pre-approved offers were way too good to pass on. Additionally, there are several large tax bills that can be used to meet minimum spending on these offers.
To position offers like these for yourself, you must already have business cards at these banks. If you don't have them yet, take a look at our amazing offers.
You need business to sign up for a business credit card. That said, it's common for people to have a business without making it happen. For example, if you sell items on yard sale or eBay, you have business. Similar examples include consulting, writing (blog author, planning your first novel, etc.), handyman services, owning a rental property, renting on airbnb, driving an Uber or Lyft. In these cases, the business is considered sole ownership, and uses business names using business names, social names, and business names.
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