Sign-Up Bonus Tracker
Never miss a welcome bonus again. Track your minimum spend progress across multiple cards, see your daily spending pace, and get alerts when you're falling behind.
Why tracking matters
Sign-up bonuses are often the single most valuable part of a new credit card — worth $500 to $1,250+ in the first year alone. Missing a minimum spend deadline means forfeiting that entire bonus. This tracker keeps you on pace so you don't leave hundreds of dollars on the table.
Frequently Asked Questions
What is a credit card sign-up bonus?
A sign-up bonus (also called a welcome offer) is a one-time reward that card issuers offer to new cardholders. You typically need to spend a minimum amount within a set timeframe — for example, $4,000 in 3 months — to earn the bonus, which can be worth $500-$1,000+ in points, miles, or cash back.
How do I track my minimum spend progress?
Enter your card's minimum spend requirement, deadline, and how much you've spent so far. The tracker calculates your daily spending pace, shows whether you're ahead or behind schedule, and tells you exactly how much more you need to spend per day or week to hit the target.
What counts toward minimum spend?
Most regular purchases count: groceries, gas, dining, online shopping, bills, and subscriptions. Typically excluded are balance transfers, cash advances, annual fees, interest charges, and returned purchases. Some issuers also exclude money orders and peer-to-peer payments.
What happens if I miss the minimum spend deadline?
If you don't meet the minimum spend within the required timeframe, you forfeit the sign-up bonus entirely. Some issuers allow you to request a deadline extension by calling the reconsideration line, but this is rare and not guaranteed.
Can I have multiple sign-up bonuses at once?
Yes, many people work on 2-3 sign-up bonuses simultaneously. However, be realistic about your natural spending. Our tracker lets you manage multiple cards at once so you can pace your spending across all active bonuses.