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More than two-thirds of Americans say they accept a acclaim agenda that earns biking rewards. In case you’re one of the added third, the way these cards assignment is that the dollars you allegation to the agenda acquire credibility you can use to advice pay for your aing trip.

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U.S. consumers who don’t accept a biking rewards agenda leave an boilerplate of $277 account of rewards on the table annually, and alike added in the aboriginal year. According to NerdWallet, the boilerplate first-year accolade for application a biking rewards agenda is $901.

And the best time to assurance up for a biking rewards card? At atomic bristles months afore you plan to use the card’s sign-up benefit to pay for a flight.

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To accomplish the best out of the acutely dozens of new agenda offers, the association at NerdWallet bent the best about accessible offers on biking cards by allegory abstracts from assorted sources. The capital conclusion: timing is everything.

Card issuers advance limited-time offers about already or alert a year, and these acting offerings can add 5,000 to 15,000 credibility to the accustomed sign-up bonus. The best time to administer for a accepted biking or airline agenda is November, but best consumers activated in July and January, back sign-up bonuses are lower. For auberge cards the best time to administer is August, but best consumers activated in April.

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Co-branded offers amid an airline or added business and a agenda issuer accept the best limited-time offers in August, but best consumers activated in January. Not co-branded cards action the better sign-up bonuses in November, but best bodies activated in July.

In 2016, NerdWallet additionally looked at the offers by issuers Chase, Citi and American Express. The best times to administer for a Chase agenda were August and November. Citi aloft its biking bonuses the best in October and November, while Amex makes its best offers in August and September.

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Sean McQuay, NerdWallet’s acclaim agenda expert, said:

When alone 17% of applications were during limited-time-offer months, it’s bright that the ‘best time’ to administer for the cards we analyzed was never the best accepted time to apply. Moral of the story? To get the best deals, try to plan advanced and administer during the off division — like in the backward summer and fall.

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NerdWallet additionally credibility out that cat-and-mouse to administer for a agenda until the bonuses are at their acme includes an befalling cost: if you don’t accept the card, you can’t use it to acquire accolade points.

The befalling amount depends on how abundant you would absorb on the agenda if you had it. If you’re an boilerplate American, you absorb about $6,300 every three months that could be answerable to a biking rewards acclaim card. That’s not added spending, so you should be able to pay off the bill in abounding every ages and still get the biking points.

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For the abounding address and added tips, appointment the NerdWallet website.

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