🎁 Bonuses
Sign-Up Bonus
Calculator
Calculate the true value of any sign-up bonus and whether the spending requirement makes sense for your budget.
Net Sign-Up Bonus Value
$0
Bonus points value minus annual fee
Bonus Value
$0
At your point valuation
Required Monthly Spend
$0
To hit the requirement
Extra Spending Needed
Above your normal spend
Feasibility
—
Can you meet it organically?
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Compare current welcome offers and find the highest-value bonus for your spending profile.
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Frequently Asked Questions
Should I ever overspend to hit a sign-up bonus? ▾
Never manufacture spending just for a bonus — you'll spend more than the bonus is worth, potentially rack up debt, and pay interest that wipes out the value. Instead: time the application before a known large purchase (annual insurance payment, new appliance, vacation booking, tax payments via PayPal), add authorized users to combine spending, pay quarterly taxes with the card if you're self-employed, or buy gift cards for stores you'd use anyway.
What's the minimum bonus worth pursuing? ▾
A general rule: a sign-up bonus should be worth at least $200-300 in value after the annual fee to justify the application (and the hard inquiry to your credit). Bonuses below $100 net value rarely make sense unless the card has ongoing benefits you genuinely want. High-value cards (60,000+ points) are worth pursuing when the points have good redemption options.
How does a sign-up bonus affect my credit score? ▾
Applying triggers a hard inquiry, which typically drops your score 5-10 points temporarily. The new account also reduces your average account age, which can affect score. These effects are minor and temporary for most people. More importantly, the new credit limit increases your total available credit, which can actually improve your utilization ratio if you don't increase spending. Most people see their score recover within 3-6 months.