We Earned $400 in Travel from our Credit Card with this Script

We have something cool for you today.

We want to share with you a proven script for earning signing bonuses with your existing travel rewards credit card.

Keyword here is “existing.”

This script is for those who already have travel rewards credit cards, and who want to take advantage of a current promotion that their card may be offering.

Before we show you the script (which is right here BTW), let’s go over some things.

Let’s say you don’t have a travel rewards credit card – if not, get one! As long as you’re managing your credit responsibly, these cards are a ‘must-have’ for Millenial travelers because the perks are just awesome.

And the signing bonuses that credit cards offer are one of the most effective ways to quickly accumulate Frequent Flyer Miles, says Chris Guillebeau, NYTimes best-selling author and the founder of Travel Hacking Cartel – a community dedicated to “the democratization of free travel.”

And accumulating lots of miles and rewards points is exactly what you’ll be doing after a 5-minute phone call with your credit card company, using this script.

But real quick… what is a signing bonus?

A signing bonus is a large offering of rewards (generally 30k-60k points) that are given to new customers who sign up for rewards-based credit cards.

The most ‘bang-for-your-buck’ credit cards are those with travel rewards programs, such as the Capital One Venture and Chase Sapphire Preferred cards, which can offer anywhere from $400 – $600 in travel rewards points for new signups.

Now onto the script!

So Eva and I developed this script over the past summer, while we drooled over all of the crazy-awesome signing bonuses that credit cards, including ours, were offering to new customers. We tested it with our cards, tweaked it, and finally got something that worked. We based it off of Ramit Sethi’s “Negotiate Down The APR” script, which has worked for us 100% of the time, as well as for thousands of others.

But here’s the kicker:

This will only work if you’re considered a good customer!

That means, you’ve had the card for at least six months and have missed no payments within that time or within the past year.

This worked for Eva and I after having our Venture Rewards card for less than a year, and by paying our balances in full each month.

If this is you, give it a shot – it only takes 5-minutes.


YOU: Hi, I’m going to be making a few large purchases on credit in the next few weeks. And because I’ve never missed a payment and have always paid balances in full each month, I’d like to take advantage of the <X> point signing bonus you’re offering new customers.

Credit Rep: No, I’m sorry that’s only for new customers.

YOU: I understand that, however, card rewards are big for me. I signed with <your credit card> when the bonus was only <X> points. I’m looking at other cards such as the <list 3 competitor cards w/ signing bonuses> which are all offering <X> point signing bonuses or more. What can you do for me?

Credit Rep: Let me see what I can do… No, I’m afraid I can’t offer the signing bonus for you.

YOU: No, that won’t work for me. Like I mentioned, other credit cards are offering me premium services with introductory signing bonuses of 40 & 50,000 points, that’s more than half of my entire rewards balance with <your credit card>. I’ve been a customer with you for <# of years> now, and I’d prefer not transfer my balance over to another card with a more competitive signing bonus. Can you match the other credit card signing bonuses, or can you offer more?

Credit Rep: No, I’m sorry I can’t.

YOU: Is there anything you can offer me to keep me with <your credit card>? I’m afraid this is a deal breaker. I am very attracted to other cards with these signing bonuses. And I’d hate to transfer my balance to another card over a little thing like this. What can you do for me?

Credit Rep: Do you mind holding? Let me speak to my manager… it looks like we can offer you that signing bonus.


It may not work 100% of the time, but when it does, that means $400 in your pocket in just 5-minutes.

Where else can you find a deal like that?

So, here’s what you need to do:

If you don’t have a travel rewards card, get one, wait at least 6 months and give this a shot. Check out NerdWallet.com for a comparison of the best travel rewards cards

When your card is offering a great promotion (30k points or more) pick up the phone, fill in the blanks and read this script word-for-word

The reason this script works is because credit card companies HATE losing cardholders because it costs the company several hundred dollars to attract and sign just one potential customer. So for the credit card company, it’s cheaper to just give you the bonus and in turn keep you as a customer.

Keep this in mind as they keep telling you that they can’t give you the bonus.

If they’re absolutely adamant that you can’t have the bonus (and you’re feeling really confident) ask to be transferred to their cancellation department (even though you don’t plan on actually canceling). They’ll actually be transferring you to their customer retention department, which is their last line of defense in keeping you as a customer. Read through the script once more, word-for-word and scare the hell out of ’em.

Like I said, it may not work 100% of the time, but when it does it’s free money for travel. And remember, you have nothing to lose.