Updated July 2026. Free, no signup, nothing leaves your browser.
A welcome bonus only pays if you hit the minimum spend in time. This planner turns your requirement and deadline into a clear monthly and weekly pace, then compares it against your normal spending so you can see a shortfall while there is still time to fix it.
If your everyday spending already covers the requirement, you are done. If it falls short, the planner shows by how much and points to safe ways to close the gap without paying fees that eat the bonus.
FAQ
How do I figure out my minimum-spend pace?
Divide the required spend by the time left. This planner does it for you, showing the monthly and weekly pace you need and comparing it against your normal spending so you can see any shortfall early.
What are safe ways to meet minimum spend?
Use spend you would make anyway first: prepay recurring bills, buy gift cards for stores you already use, or pay a tax or insurance bill that accepts cards. Front a planned large purchase if you have one. Avoid schemes that cost more than the bonus is worth.
What happens if I miss the minimum spend?
You forfeit the welcome bonus, which is usually the whole reason you opened the card. That is why catching a shortfall early matters: a small monthly gap is easy to close, a large last-week gap often is not.