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Bonus planner

Which bonuses should you go for next?

Card and bank bonuses are worth hundreds to thousands a year, if you take them in the right order. Tell us what you spend and can park, and what you’ve had; we plan the bonuses worth most to you, at a pace you can meet, checked against each issuer’s own rules.

  • Every figure from the bank’s or issuer’s own terms
  • Ranked on value alone, never on what pays us
  • Nothing you enter is stored
What you spend on cards each month
Cards
Bank accounts

Nothing you enter is stored.

For a plain case: $2,500 a month on cards · Good credit · a new card every 3 months · $5,000 to park · no direct deposit · any stateEnter your own numbers
Worth over the next two years$2,290bonuses after fees and interest given up
Cards8at $2,500 a month of spending
Bank bonuses4with $5,000 to park

  1. Now

    • Bank of America® Premium Rewards® Credit Card · Bank of America

      Spend $4,000 in 3 months ($1,333 a month) · $95 first-year fee

      points valued at 1¢, the program's cash rewards value.

      Track itIssuer’s site

      $505$600 bonus less the fee

    • Chase Savings · JPMorgan Chase Bank

      90 days

      The bank says the offer ends 01/27/2027.

      The bank’s wording
      “Open a new Chase Savings account with the offer code, deposit qualifying new money within 30 days of offer enrollment, and maintain the new money for 90 days from offer enrollment.”

      Track itBank’s site

      $100$100 less interest given up

  2. Nov 2026

    • MONEY BUILDER SAVINGS · Old Second National Bank

      keep $5,000 · 90 days

      The bank says the offer ends December 31, 2026. If the offer is still there then: offers change.

      The bank’s wording
      “Meet the requirements for the first $50 checking bonus, open a Money Builder Savings account with a minimum opening deposit of $1,000, and deposit $5,000 into the savings account so the balance is at least $5,000 on the 90th calendar day from the date the new personal checking account was opened.”

      Track itBank’s site

      $88$150 less interest given up

  3. Jan 2027

  4. Feb 2027

    • U.S. BANK SMARTLY SAVINGS · U.S. Bank

      keep $1,000 · 90 days

      The bank says the offer ends October 29, 2026. If the offer is still there then: offers change.

      The bank’s wording
      “Open a new U.S. Bank Smartly® Savings account through the U.S. Bank campus page or at a participating U.S. Bank campus location, qualify for the checking offer, make new money deposits totaling $1,000 or more by October 29, 2026, and maintain a minimum account balance of $1,000 through January 31, 2”

      Track itBank’s site

      $88$100 less interest given up

  5. Apr 2027

  6. May 2027

    • Freestyle Savings · Hancock Whitney Bank

      keep $5,000 · 60 days

      The bank says the offer ends 2/28/2027. If the offer is still there then: offers change.

      The bank’s wording
      “Open a Freestyle Savings account, use the required promo code, deposit $5,000 within 30 days of opening, and maintain a $5,000 minimum daily balance for 60 days; the email given at account opening must match the email submitted to get the promo code.”

      Track itBank’s site

      $59$100 less interest given up

  7. Jul 2027

  8. Oct 2027

  9. Jan 2028

  10. Apr 2028

    • Savor Rewards · Capital One

      Spend $500 in 3 months ($167 a month) · No first-year fee · Once per 48 months on this card

      If the offer is still there then: offers change.

      Track itIssuer’s site

      $200bonus

  11. Jul 2028

Not in the plan

How the plan is made
  • Cards: each card’s welcome bonus for your spending, at our published values (cash, or points at their program’s stated cash value), less the first year’s annual fee. The best go first, one new card as often as you chose and one from the same issuer every six months at most (issuers limit how often they approve), and a card joins only when its spending requirement fits beside the others in progress. Bonuses worth under $50 are left out.
  • Issuer rules: each issuer’s own bonus rule (“once per 48 months”, “once per lifetime”), checked against what you’ve had. Chase’s widely reported limit of five new cards in 24 months isn’t in its terms; we apply it and say so.
  • Bank bonuses: the bonuses you can meet where you live with your direct deposit and cash, worth the bonus less the interest that money would have earned at the best savings rate. One new account a month, one bonus per bank, within the money you can park at once.
  • Later steps assume today’s offers: offers change, and the plan is made again from the current ones each time you open it. Spending you move to a new card earns its rewards instead of your usual card’s. Bonuses can be taxable.
  • Ranked on what each bonus is worth to you. Whether a link pays us never changes the plan.