Many credit card companies offer sign-up bonuses. These card offers can change over time, so you may be tempted to try to wait for a larger sign-up bonus. Unfortunately, it can be hard to predict when a bonus will increase. Plus, if the credit card company changes their policies, it may become harder to get any bonus at all. Because there's a big opportunity cost to waiting, it's often best to sign up for a bonus offer right away if you can qualify.

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