Take the Pain Out of Visiting the Dentist: An Expensive Dental Bill Helped Earn a 100,000-Point AMEX Starwood Bonus!

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Take the Pain Out of Visiting the Dentist:  An Expensive Dental Bill Helped Earn a 100,000-Point AMEX Starwood Bonus!

MeghanTake the Pain Out of Visiting the Dentist:  An Expensive Dental Bill Helped Earn a 100,000-Point AMEX Starwood Bonus!Million Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

One of the most difficult hurdles to earning big welcome bonuses with many of the best credit cards for travel is having to meet a card’s minimum spending requirements.  I’d be willing to bet most of y’all, like me, don’t regularly spend thousands on credit cards each month.  So earning a welcome offer often takes a bit of planning!

One part of my credit card strategy is to plan credit card applications around big purchases or expenses.  And I recently helped my sister employ this tactic to earn a big welcome bonus of her own!

Visiting the Dentist Might Be a Little Less Painful If You Know You’re Earning Travel Rewards to Use Toward Your Next Vacation!

A few weeks ago she called to let me know she’d been targeted for a 100,000-point welcome offer after spending $5,000 within 3 months for upgrading her Starwood Preferred Guest® Credit Card from American Express card to the Starwood Preferred Guest® American Express Luxury Card.  I explained to her that it was a great deal, but pointed out that the minimum spending requirement was pretty hefty.

I asked her, “Hey, can you think of any big bills you have coming up?  Do you plan on making any expensive purchases over the holidays?”

She thought for a second and then said, “Well, Alex (her boyfriend) is having some dental work done next week.  Maybe I could call the dentist to see if they accept credit cards.”

I told her to do it!  If she knew she could take a big chunk out of the minimum spending requirement, then upgrading her card would absolutely make sense!

She called me back to let me know that the dentist would, in fact, accept a credit card payment.  And she confirmed with them that they didn’t charge an extra fee for paying with a card.

It’s always important to ask whether there’s a fee for using a credit card, as sometimes the fee a merchant charges will negate any rewards you earn.

The fact that it was an upgrade offer and that her credit card number wouldn’t change was also convenient because she didn’t have to wait for her new card to arrive in the mail.  Once she accepted the upgrade offer online she could continue to use her current card to work towards meeting the upgrade offer’s minimum spending requirements.

It’s important to note, some banks will expedite delivery of a new card, while it can take over a week to receive a new card from other banks.  So if you have a big purchase coming up and want to apply for a new credit card, I’d always recommend applying at least 3 weeks before you plan on making the purchase.

Have you ever planned a credit card application around a big purchase or expense?  Please share your strategy for meeting minimum spending requirements in the comments below!

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Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Terms Apply | Rates & Fees

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I plan to acquire the amex gold card in the spring before a myrtle beach trip, and return and book the airfare for a summer getaway. That should about knock out the spend and i can pay for it with my tax refund.

Hello. I did when I got the United credit card a few weeks ago. I bought my mom’s airfare which was $715, but then saved a bit due to the $100 statement credit. That helped me because I am not much of a spender.

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That’s excellent! Thanks for sharing!