Matching a Higher Credit Card Bonus Offer

Many of us have signed up for credit card offers only to find out weeks or months later that a higher bonus has been offered. Don’t get frustrated, generally the credit card banks will match the offer. I’ve had the best luck with Chase, who has matched every offer within the first 90 days after application. Citibank has been hit or miss, and the most difficult has been American Express. Either way call or use the online messaging function to try to match the newer offer, you have nothing to lose.

Thrifty Tip #1: If you are rejected through online messenger, then call in and ask to be matched. If you are rejected after calling in, ask to speak to supervisor. You will hopefully get matched or at least be given extra points as a goodwill offering.

Thrifty Tip #2: Utilize the online messaging feature to close your account as well. You are not required to call in to cancel. I know Mrs. TT does not like calling into close her account. Avoid the awkwardness and just cancel your credit card online!

 

Bank of America – Call in to match a better offer. Generally will match.

Capital One – I’ve never been successful in matching a better offer.

Chase – Send an instant message from your online account to a Chase representative. Tell them you’ve found a better offer than the one you signed up for. As long it has been less than three months since your application, you should get matched. The extra points or miles are usually deposited within 30 days once you’ve met the offer requirements.

Citibank – Call or instant message to attempt to get the better offer. I’ve generally been successful for offer matches through Citi’s online messenger. If you are rejected via phone, ask to speak to a supervisor.

American Express – You must call and if rejected, ask to speak to a supervisor. This is really the only way to get matched.

 

Bottom Line

Trying to match a better offer is a no brainer and is definitely worth a try. You really have nothing to lose, and it takes only takes a couple minutes of your time. You should utilize the online messaging function available for the respective bank’s online account. If that fails I would recommend calling in. It’s worth the hassel to chase those extra points!

 


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