Build a multi-card welcome bonus acquisition strategy. See all available cards ranked by bonus value and net first-year value.
The Welcome Bonus Advisor helps you decide which card to apply for next. It ranks current welcome bonuses by their value and by net first-year value — the bonus value minus the annual fee — so you chase the offers that actually put the most in your pocket, in a sensible order.
| Offer | Bonus value | Annual fee | Net year one |
|---|---|---|---|
| A: 60,000 points | about $900 | $95 | about $805 |
| B: 100,000 points | about $1,000 | $395 | about $605 |
Illustrative only — the bigger point total is not always the better first-year value once the fee is subtracted.
The estimated cash value of the welcome bonus minus the card's annual fee. It is a truer measure of an offer than the headline point total.
Not necessarily. A smaller bonus on a no-fee card can beat a larger bonus on a high-fee card once you subtract the fee and weigh the minimum spend.
Meet one minimum-spend requirement at a time. Sequencing keeps the spend realistic and protects your approval odds.