First-year planning
Value the offer without letting the headline make the decision
Enter only spending you already expect, use a redemption value you can realistically obtain, and keep approval and bonus eligibility separate from the calculation.
Free calculator
Welcome Bonus Tracker
Turn a welcome-offer deadline into a realistic monthly spending target.
Year 1
Welcome bonus + ongoing rewards + benefits − annual fee.
Year 2 onward
Ongoing rewards + benefits − annual fee, without a new-card bonus.
Historical context
Compare the current estimated offer value with the highest source-backed value stored for the card.
About these estimates
Results depend on the numbers you enter and may not reflect caps, exclusions, merchant coding, taxes, or changing issuer terms. Check the card agreement before making a financial decision. Information entered here stays in this browser.
Five welcome-offer valuation mistakes
Counting points at an aspirational value
Use a redemption you can reasonably complete. Transfer-partner potential is not cash and availability can change.
Ignoring required spending
Do not count spending that would be manufactured, accelerated, returned, or financed. Interest can overwhelm the reward.
Forgetting the annual fee
Subtract the first-year fee unless the current issuer terms explicitly waive it.
Valuing every credit at face value
Count only credits that replace purchases you would otherwise make, after restrictions and breakage.
Assuming eligibility
The calculator does not establish approval or bonus eligibility. Read the current application terms before acting.
Using Year 1 to justify every renewal
Evaluate ongoing rewards and benefits separately from the one-time offer.
Safer calculation order
- Enter the spending requirement and actual deadline.
- Subtract completed eligible spending without counting pending or returned purchases.
- Use a conservative value for the bonus currency.
- Subtract fees and add only naturally used credits.
- Review the card again without the welcome offer before renewal.
Common questions
Should I spend extra to earn a welcome offer?
No. Use planned spending and never carry interest merely to earn rewards.
Does offer history guarantee a future offer?
No. Source-dated history is context, not a prediction or eligibility decision.