When I picture a road trip, I see images of two carefree people in a convertible traversing Route 66. There are no kids in the picture, and I'm not even sure there is luggage. It feels so easy and inexpensive. A road trip with kids, however, is a different experience, especially when those kids are teenagers.
Do refunds count against spending toward a welcome bonus?
30.09.2024 - 19:03 / thepointsguy.com
Here's something you might have been wondering: What happens when a payment that gets refunded was one you used to help you earn a credit card welcome bonus? That's an excellent question that one of our readers, Stephanie, asked us about:
"I recently got the [Hilton Honors American Express Aspire Card] and had to spend $4k in order to receive the 150,000 bonus Hilton Honors points.* I spent well over $4k on the card in the first month alone on flights, rental cars and hotels for a trip I had coming up in November. The entire trip ended up getting canceled … and almost all of the spend I had generated was refunded back to me. However, I had already been awarded the Hilton bonus points and they were in my Hilton account. My question is: Was this just a fluke? I have to imagine credit card companies usually take your points away and make you spend more…. If I already transferred the bonus from the card to a partner airline, would the card company then get the airline to send back the miles?"
The information for the Hilton Honors American Express Aspire Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
*This welcome offer is no longer available.
Related: How this reader visited 8 countries in 3 years using points and miles
The good news is that, by and large, credit card issuers don't typically rescind a welcome bonus after they've awarded it, no matter if the purchases being refunded were used to help meet a spending requirement. Unfortunately, American Express does have a different policy compared to most of the other major issuers.
I contacted the major U.S. issuers for their policies on the subject, and here's what each said:
This particular reader question specifically asks about an American Express-issued Hilton credit card. Amex's policy in their terms and conditions state that in the case of a refund, rewards will be rescinded.
Unfortunately, this extends to welcome bonuses as well. An Amex representative confirmed that if a refund is issued for purchases that helped you reach a welcome bonus spending threshold, that welcome bonus will be rescinded unless you meet the spending requirement through other purchases before the deadline.
Like most of the other issuers, Bank of America confirmed that you would not have your welcome bonus taken away if you received a refund for purchases that helped you attain the bonus.
Chase confirmed that it doesn't rescind credit card welcome bonuses after they are awarded. So, if you complete the spending requirements, receive the bonus and then get a refund for purchases that may have helped you meet the requirements, you would still keep your bonus.
We reached out to
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