Signup Bonus Calculator
Calculate the value of credit card and bank signup bonuses. Determine minimum spending requirements, bonus timelines, and maximize your rewards strategy.
Step 1: Bonus Details
Bonus Terms
Most signup bonuses require you to spend a minimum amount within a specific timeframe. Some cards also have additional requirements like direct deposits for bank bonuses.
Step 2: Your Spending
Maximizing Bonuses
Consider your regular spending patterns. Some cards offer bonus multipliers for specific categories like travel, dining, or groceries which can increase your rewards.
Signup Bonus Calculation Results
Total Bonus Value
Spending Timeline & Strategy
Timing Strategy
Plan your bonus-earning spending around regular bills, planned purchases, and bonus categories. Always complete the requirement 4-6 weeks before the deadline to account for posting delays.
Bonus Value Breakdown
Value Calculation Formula
Effective Return = (Bonus Value – Annual Fees) / Minimum Spend × 100
This formula helps you compare different offers. A higher percentage means better value for your spending. Consider both first-year value (with waived fees) and ongoing value.
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