Trek Guide
Each issuer limits repeat bonuses differently, from 24 months to once in your life. What counts towards the spend, and how to earn it without waste.
By Bishnu Adhikari · Sep 27, 2026
A credit card welcome bonus is paid only when two things are true: the issuer's rules still allow you the bonus, and you reach the minimum spend with purchases that count, inside the deadline. Most people who miss out fail on one of those two, not on their…
Travel Himalaya Nepal · News
The size of a bonus matters less than whether the spend fits your normal budget. These are the offers each issuer's own card page showed on 27 September 2026. Issuers note that offers can differ by page and change at any time. The last column is the useful…
Travel Himalaya Nepal · News
Every issuer limits how often you can earn the same bonus, and each writes the rule differently. This is the wording that decides whether you get paid, summarised from each card's own terms. Two changes stand out in 2026. Chase's Sapphire wording is now per…
Travel Himalaya Nepal · News
Only ordinary purchases count, and each issuer publishes a list of what does not. Chase's definition, the most detailed, excludes balance transfers, cash advances, cash-like transactions including cryptocurrency, betting, person-to-person and account-funding…
Travel Himalaya Nepal · News
The honest way to earn a bonus is to apply just before spending you were going to do anyway. Flights and hotels for a planned trip, a large annual insurance bill, or moving house can cover a $4,000 or $5,000 target without a single extra purchase. Add your…
Travel Himalaya Nepal · News
Bonuses are not instant. Amex says the Platinum 's points post 8 to 12 weeks after you reach the threshold, and Amex shows the exact Platinum offer only after approval, before you accept the card. Keep the account open and in good standing until the bonus…
Travel Himalaya Nepal · News
Choose the card first and the bonus second. A big bonus on a card that does not fit how you spend gives you one good year and then an annual fee you resent. Our complete guide to travel credit cards helps you pick the right card; the best travel cards by…
Travel Himalaya Nepal · News
How to choose the card before the bonus. Is the $795 card worth $700 more? Whether the upgrade pays off. The break-even maths for year two. Sources: the card pages and offer terms of Chase (Sapphire Preferred, Sapphire Reserve, Freedom Unlimited), American…
Travel Himalaya Nepal · News
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