Time your credit card application this bonus-friendly season

This Aug. 11, 2019, photo shows Visa credit cards and debit cards in New Orleans. If you’re considering a new credit card, the bonus-friendly season from October through December is an ideal time. Your expenses on Black Friday, holiday travel and meals, end-of-the-year charitable donations and more may easily meet a large spending requirement for a juicy sign-up bonus.

In late 2017, San Francisco couple Riley Adams and his wife stumbled upon the Halley's comet of airline credit card welcome offers. For a limited time, the card was advertising a companion pass on top of a large sign-up bonus.

"We knew we had a lot of spending in one specific area coming up, and we wanted to try to shop around to get the best value for those needs," says Adams, a certified public accountant and owner of the blog Young and the Invested. "If you plan for it, you can really offset those costs (with a sign-up bonus)."

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