Splitting an Airline Ticket Payment Using PayPal to Qualify for Two Welcome Bonuses

Splitting an Airline Ticket Payment Using PayPal to Qualify for Two Welcome Bonuses

Maximising Rewards: Splitting Flight Payments with Capital One Venture Rewards Credit Cards and PayPal

In today's world, every penny counts, especially when it comes to big expenses like flights. Here's a clever way to make the most of your credit card rewards while managing such costs effectively.

The writer, based in Doha, Qatar, is currently scrutinising the best credit card welcome bonus offers for their oldest son's upcoming braces expense. With a forthcoming trip to the U.S. over the 2022 winter holidays, they've also decided to consider applying for a new credit card to earn miles and meet minimum spending requirements.

Enter the Capital One Venture Rewards Credit Card. This card offers 2x miles on all purchases, access to Capital One transfer partners, and a Global Entry or TSA PreCheck credit. By applying for 2 Capital One Venture Rewards Credit Cards, the writer and their partner can earn 150,000 total welcome offer miles.

But how to pay for a flight that could cost over $8,000 without exceeding the minimum spend requirement for each card's bonus? The writer found a solution by linking both new Capital One Venture cards to their PayPal account.

PayPal allows linking multiple cards, which can indirectly enable splitting payments by selecting which card to use per transaction or combining PayPal balance and cards. However, PayPal does not have a built-in "split payment" feature for a single transaction.

To split an expensive flight purchase across two Capital One Venture Rewards Credit Cards, the writer preloaded both new Capital One Venture cards as payment options in their PayPal account. At checkout, they initiated payment via PayPal on the airline or travel site, and manually distributed the payment amounts.

By splitting the payment, the writer and their partner met the $4,000 minimum spend requirement for each card's bonus. It's important to note that some travel sites or PayPal do not support direct split payments, so the writer had to coordinate the payment manually due to PayPal restrictions on split payments.

This workaround is needed because airlines and travel booking platforms usually don't directly support using more than one credit card per transaction unless via PayPal or an alternative payment gateway. The Capital One Venture Rewards mile benefits apply normally on each card’s purchase portion; redeeming miles or earning rewards proceeds as usual on each card separately.

In the end, the charge was processed as Qatar Airways on the credit card statement, not PayPal, when using a card that rewards travel purchases. The writer used PayPal's split payment feature to make a single purchase with Qatar Airways, splitting the cost between two credit cards.

This strategy not only helped the writer meet the minimum spend requirement for the Capital One Venture Rewards Credit Card welcome bonus but also maximised their rewards earnings for the upcoming flight. The writer considers every big upcoming expense as an opportunity to knock out a new minimum spend on a new welcome bonus, making their money work harder for them.

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