Plan your card sign-up bonuses around your real spending
Track every minimum-spend deadline, see your 5/24 count and issuer velocity limits, and get an application schedule that your monthly spending can actually cover. Your cards stay in this browser. No account, no numbers from your cards, nothing uploaded.
Settings
Cards I opened
| Card | Opened | Spent so far ($) | Spend by | Still to spend | Per month needed | Net bonus value |
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Where you stand
| Issuer rule (community-reported) | Cards counted | Status today | Next clear date |
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These velocity rules are reported by cardholder communities, not published by the issuers, and they change without notice. Treat them as a planning aid and check before you apply.
Cards I am considering
| Card | Net bonus value | Min spend | Value per $1,000 of spend |
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Your schedule
| Apply on or after | Card | Spend by | Net bonus value |
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Questions
What is the Chase 5/24 rule?
Community-reported: Chase tends to decline many of its personal cards if you have opened five or more personal credit cards, from any bank, in the last 24 months. The planner counts your cards and shows the date you drop back under five. It is not a published Chase rule, so check before you apply.
How do I plan several sign-up bonuses without missing a minimum spend?
Each bonus needs its minimum spend inside a window that starts when the account opens. If two windows overlap, they draw on the same monthly spending. The planner schedules each application on the earliest day that both clears the issuer velocity rules and leaves your monthly spend able to cover every active deadline.
Is a sign-up bonus worth the annual fee?
Net value here is the bonus (points times your cents-per-point estimate, plus any cash) minus the first-year annual fee unless it is waived. Points value is your own estimate, so change it to match how you redeem.
Are my cards uploaded anywhere?
No. Card names, open dates and spend stay in this browser's local storage and the page makes no network requests. Enter no account numbers; the planner never needs them.
Can I put the deadlines in my calendar?
Yes. Build a plan and download the .ics file: one event for each application date and each minimum-spend deadline.