Already in your tracker
These reserve capacity and count toward issuer rulesCapacity used per month
Direct deposit Card spend Cash held Already committedMonth-by-month action plan
Selected bonuses
What would move the needle
Each line reruns the plan with one input changedStrategy notes for your profile
Not selected, and why
Never miss a bonus deadline
Create a free account to track the bonuses you're working on. Each one gets dated steps (open, direct deposit, spend, hold, payout, safe-to-close) worked out from its terms, a calendar feed for Google, Apple or Outlook, and a CSV of what you've received for taxes. Your tracker also feeds the planner, so the plan knows what you've already committed to. Pro adds email reminders and alerts when an offer you're tracking changes.
Next 30 days
Tracked bonuses
Reminders
Calendar & export
Subscribe in Google Calendar ("Other calendars → From URL"), Apple Calendar or Outlook. The calendar updates as you tick off steps. Keep the link private. Anyone with it can see your deadlines.
Your data points help everyone
When you mark a bonus received, or say what you used for direct deposit and whether it counted, that becomes an anonymous data point: "Chase posts a median 12 days after DD", "brokerage ACH counted 8 of 10 times". Nothing about you is shown, only counts and medians.
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Run a scan
The scanner pulls the aggregator pages that track every national, regional and credit-union bonus in the US. It parses each offer (amount, states, DD/deposit/spend requirements, expiration) and compares the results with the curated database to flag changed amounts and new offers. It can also check each issuer's own page for the advertised amount.
Sources
Latest scan findings
Amount changes vs curated data
Issuer-page verification
Scan history
How to get the most profit from bonuses
1. Order of operations
- Chase cards first while you're under 5/24. Chase counts every personal card from any bank opened in the last 24 months. Once you hit 5, its cards (Sapphire, Ink, Southwest, Hyatt, United) are out of reach for up to two years.
- Business cards next. Chase Ink, Amex and Citi business cards, and most Capital One Spark cards, don't add to 5/24, so they're "free" slots.
- After that, issuers that don't care about 5/24: Amex (once per lifetime per card), Citi (48-month family rule), BofA (2/3/4), Capital One (about 1 per 6 months), Wells Fargo and U.S. Bank.
- Bank bonuses run in parallel. They use ChexSystems/EWS, not your credit (with a few hard-pull exceptions), so they don't compete with cards for approval.
2. Direct-deposit engineering
- Most employers let you split a paycheck across 2-5 accounts. Point fixed slices at the banks whose bonuses you're working on, and rotate every 2-3 months.
- Many banks count an ACH push from a brokerage or other bank as "direct deposit". Check the data points on each offer first (other users report what counted); when it works, the DD limit disappears.
- Once the DD posts, sweep the money back to your high-yield account. A DD requirement needs the money to arrive, not to stay.
3. Cash-hold bonuses: subtract the opportunity cost
A $1,500 bonus for parking $100k for 90 days sounds great. But at a 4% alternative yield the parked money gives up about $1,000, and after a 30% tax the bonus nets about $1,050, so the real gain is about $50. The planner does this calculation for every tier and picks the best one for your cash.
4. Card minimum spend, without risk
- Use only spending you'd do anyway. Time new cards around large known expenses (insurance premiums, tuition, travel, taxes via a processor when the bonus outweighs the 1.75-1.98% fee).
- Some banks let you fund the opening deposit with a credit card, and most cards treat it as a purchase. The planner uses that to cover part of a card's minimum spend when a funding-friendly bank opens in the same month. Confirm it is not coded as a cash advance.
- Pay the statement balance in full every month. Interest destroys the math.
- Downgrade or cancel before the second annual fee unless the retention offer or perks clearly cover it.
5. Keep it clean
- Keep bank accounts open past the early-closure/clawback window (usually 3-6 months) and meet the monthly-fee waivers.
- Space out applications. Bunching hard pulls and ChexSystems inquiries leads to denials and shutdowns. Mortgage in the next year? Set "stop hard pulls after month" in the profile.
- Track every account, requirement and deadline. The tracker feeds the planner, so each month's rebuilt plan starts from what you've already done.
- Bank bonuses are reported as taxable income (1099-INT/MISC). Card sign-up bonuses earned through spending are treated as rebates and are generally not taxable.
This tool provides estimates for educational purposes. It is not financial, tax or legal advice. Offers change constantly and are often targeted. Confirm the terms on the issuer's site before you apply.