Which credit card bonuses can you actually get?
Tell us about your recent cards. We apply Chase 5/24, Amex once-per-lifetime, credit and spend rules to every current sign-up bonus and rank what you qualify for — by real value. Free, private, and instant.
Enter your recent cards to see your 5/24 status.
155 Likely eligible0 Worth checking0 Not eligible
- 185,000 points~$1,751 valueLikely eligibleSpend $6,000 in 6 mo· AF $99
- American Express175,000 points~$1,730 valueLikely eligibleSpend $12,000 in 6 mo· AF $895
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- American Express175,000 points~$1,500 valueLikely eligibleSpend $5,000 in 6 mo· AF $250
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Chase150,000 points~$1,455 valueLikely eligibleSpend $6,000 in 3 mo· AF $795
- American Express200,000 points~$1,350 valueLikely eligibleSpend $6,000 in 6 mo· AF $650
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- 85,000 points~$1,275 valueLikely eligibleSpend $3,000 in 3 mo
- 125,000 points~$1,250 valueLikely eligibleSpend $4,000 in 6 mo· AF None
- Bank of America100,000 miles~$1,230 valueLikely eligibleSpend $6,000 in 3 mo· AF $395
- Barclays50,000 miles~$1,211 valueLikely eligibleSpend $3,000 in 3 mo· AF $89
- Capital One100,000 miles~$1,205 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- American Express175,000 points~$1,200 valueLikely eligibleSpend $6,000 in 6 mo· AF $550
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- American Express60,000 miles~$1,181 valueLikely eligible· AF $99
- American Express100,000 points~$1,175 valueLikely eligibleSpend $6,000 in 3 mo· AF $325
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- American Express130,000 points~$1,150 valueLikely eligibleSpend $3,000 in 6 mo· AF $150
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Bank of America85,000 miles~$1,109 valueLikely eligibleSpend $4,500 in 4 mo· AF $95
- 90,000 miles~$1,075 valueLikely eligibleSpend $5,000 in 3 mo· AF $95
- 90,000 miles~$1,075 valueLikely eligibleSpend $5,000 in 3 mo· AF $95
- 90,000 miles~$1,075 valueLikely eligibleSpend $5,000 in 3 mo· AF $95
- American Express90,000 miles~$1,020 valueLikely eligibleSpend $5,000 in 6 mo· AF $150
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Bank of America85,000 miles~$1,010 valueLikely eligibleSpend $4,500 in 4 mo· AF $95
- Northwest Federal Credit Union50,000 points~$1,000 valueLikely eligibleSpend $5,000 in 4 mo
- American Express125,000 miles~$975 valueLikely eligibleSpend $9,000 in 6 mo· AF $650
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Chase85,000 miles~$955 valueLikely eligibleSpend $3,000 in 3 mo· AF $150
- American Express100,000 miles~$950 valueLikely eligibleSpend $6,000 in 6 mo· AF $350
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- 80,000 miles~$941 valueLikely eligibleSpend $1,000 in 3 mo· AF $99
- 80,000 miles~$941 valueLikely eligibleSpend $2,500 in 3 mo· AF $99
- 80,000 miles~$941 valueLikely eligibleSpend $3,500 in 4 mo· AF $99
- 100,000 points~$905 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- Wells Fargo100,000 points~$905 valueLikely eligibleSpend $4,000· AF $95
- 50,000 points~$905 valueLikely eligibleSpend $3,000 in 3 mo· AF $95
- Chase100,000 points~$905 valueLikely eligibleSpend $5,000 in 3 mo· AF $95
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- 100,000 points~$905 valueLikely eligibleSpend $4,000 in 3 mo· AF $595
- Bank of America70,000 miles~$822 valueLikely eligibleSpend $2,000 in 3 mo· AF $89
- Bank of America70,000 miles~$821 valueLikely eligibleSpend $3,000 in 3 mo· AF $89
- 90,000 miles~$820 valueLikely eligibleSpend $5,000 in 4 mo· AF $350
- 120,000 points~$805 valueLikely eligibleSpend $6,750 in 6 mo· AF $395
- American Express80,000 points~$800 valueLikely eligibleSpend $2,000 in 6 mo· AF None
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Chase85,000 points~$755 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- 60,000 points~$750 valueLikely eligibleSpend $2,000 in 3 mo· AF None
- 60,000 points~$745 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- Barclays80,000 points~$711 valueLikely eligibleSpend $3,000 in 3 mo· AF $89
- 100,000 miles~$705 valueLikely eligibleSpend $10,000 in 3 mo· AF $595
- Barclays60,000 miles~$681 valueLikely eligibleSpend $1 in 3 mo· AF $99
- Chase90,000 points~$671 valueLikely eligibleSpend $3,000 in 3 mo· AF $229
- Bank of America65,000 points~$671 valueLikely eligibleSpend $1,000 in 3 mo· AF $79
- Bank of America75,000 points~$655 valueLikely eligibleSpend $3,000 in 3 mo· AF $95
- Barclays75,000 points~$651 valueLikely eligibleSpend $1,000 in 3 mo· AF $99
- $400 cash back~$601 valueLikely eligibleSpend $1,000 in 3 mo· AF $49
- 70,000 points~$601 valueLikely eligible· AF $99
- Synchrony60,000 points~$601 valueLikely eligibleSpend $4,000 in 3 mo· AF $99
- Wells Fargo60,000 points~$600 valueLikely eligibleSpend $1,000 in 3 mo
- Wells Fargo60,000 points~$600 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- 85,000 points~$600 valueLikely eligibleSpend $4,000 in 3 mo· AF $250
- Capital One75,000 miles~$580 valueLikely eligibleSpend $4,000 in 3 mo· AF $395
- Chase70,000 miles~$565 valueLikely eligibleSpend $4,000 in 3 mo· AF $350
- Chase40,000 miles~$520 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- 60,000 points~$505 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- Bank of America60,000 points~$505 valueLikely eligibleSpend $4,000 in 3 mo· AF $95
- 60,000 points~$505 valueLikely eligibleSpend $3,000 in 3 mo· AF $95
- Wells Fargo$600 cash back~$501 valueLikely eligibleSpend $3,000 in 3 mo· AF $99
- Northwest Federal Credit Union50,000 points~$500 valueLikely eligibleSpend $5,000 in 4 mo
- Wescom Credit Union$500 cash back~$500 valueLikely eligibleSpend $2,500 in 3 mo· AF None
- Lafayette Federal Credit Union50,000 points~$500 valueLikely eligibleSpend $5,000 in 3 mo· AF None
- Navy Federal Credit Union40,000 points~$490 valueLikely eligibleSpend $3,500 in 3 mo· AF $49
- Chase90,000 miles~$475 valueLikely eligibleSpend $5,000 in 3 mo· AF $695
- Citi75,000 points~$455 valueLikely eligibleSpend $6,000 in 3 mo· AF $595
- Bank of America45,000 points~$450 valueLikely eligibleSpend $2,000 in 3 mo· AF None
- Fremont Bank$500 cash back~$405 valueLikely eligibleSpend $5,000 in 3 mo· AF $95
- 50,000 points~$405 valueLikely eligibleSpend $3,000 in 3 mo· AF $95
- Citi20,000 points~$400 valueLikely eligibleSpend $1,500 in 6 mo· AF None
- Bank of America$375 cash back~$375 valueLikely eligible· AF None
- 45,000 points~$355 valueLikely eligibleSpend $3,000 in 3 mo· AF $95
- American Express30,000 points~$355 valueLikely eligibleSpend $2,000 in 3 mo· AF $95
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- 50,000 points~$351 valueLikely eligibleSpend $3,000 in 3 mo· AF $149
- Citi25,000 points~$350 valueLikely eligibleSpend $1,500· AF None
- American Express$200 cash back~$350 valueLikely eligibleSpend $2,000 in 6 mo· AF None
- Goldman Sachs$250 cash back~$325 valueLikely eligible· AF None
- Cardless50,000 points~$305 valueLikely eligibleSpend $4,000 in 3 mo· AF $495
- American Express$300 cash back~$300 valueLikely eligibleSpend $1,000 in 3 mo· AF None
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- U.S. Bank30,000 points~$300 valueLikely eligibleSpend $1,000· AF None
- 20,000 points~$280 valueLikely eligibleSpend $1,500 in 3 mo· AF None
- Citi20,000 points~$280 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- Capital One20,000 miles~$260 valueLikely eligibleSpend $500 in 3 mo· AF None
- American Express$350 cash back~$255 valueLikely eligibleSpend $3,000 in 6 mo· AF $95
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Navy Federal Credit Union25,000 points~$250 valueLikely eligible
- Capital One$250 cash back~$250 valueLikely eligibleSpend $500 in 3 mo· AF None
- $250 cash back~$250 valueLikely eligibleSpend $500 in 3 mo· AF None
- U.S. Bank$250 cash back~$250 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- Barclays5,000 points~$250 valueLikely eligibleSpend $500 in 3 mo· AF None
- Capital One$250 cash back~$250 valueLikely eligibleSpend $500 in 3 mo· AF None
- Bank of America25,000 points~$250 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- U.S. Bank$250 cash back~$250 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- $250 cash back~$250 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- $250 cash back~$250 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- $225 cash back~$225 valueLikely eligibleSpend $1,500· AF None
- $225 cash back~$225 valueLikely eligibleSpend $1,500· AF None
- 30,000 points~$215 valueLikely eligibleSpend $2,000 in 4 mo· AF $85
- U.S. Bank30,000 points~$215 valueLikely eligibleSpend $2,000 in 4 mo· AF $85
- Barclays70,000 points~$201 valueLikely eligibleSpend $5,000 in 3 mo· AF $499
- Capital One$200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- U.S. Bank20,000 points~$200 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- Bank of America$200 cash back~$200 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- SoFi$200 cash back~$200 valueLikely eligibleSpend $1,500· AF None
- American Express$200 cash back~$200 valueLikely eligibleSpend $1,000 in 3 mo· AF None
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Chase$200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- Capital One$200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- Chase$200 cash back~$200 valueLikely eligibleSpend $500· AF None
- Bank of America75,000 points~$200 valueLikely eligibleSpend $5,000· AF $550
- Wells Fargo$200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- $200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- $200 cash back~$200 valueLikely eligibleSpend $1,500· AF None
- Regions Bank$200 cash back~$200 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- $200 cash back~$200 valueLikely eligible· AF None
- Discover$200 cash back~$200 valueLikely eligibleSpend $500 in 3 mo· AF None
- $250 cash back~$155 valueLikely eligibleSpend $2,000 in 4 mo· AF $95
- 15,000 points~$150 valueLikely eligibleSpend $1,500 in 3 mo· AF None
- Discover$150 cash back~$150 valueLikely eligible· AF None
- U.S. Bank$150 cash back~$150 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- $150 cash back~$150 valueLikely eligibleSpend $1,000 in 3 mo· AF None
- American Express10,000 miles~$130 valueLikely eligibleSpend $1,000 in 6 mo· AF None
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- Cardless$200 cash back~$105 valueLikely eligible· AF $95
- Shopback$100 cash back~$100 valueLikely eligibleSpend $100
- $100 cash back~$100 valueLikely eligibleSpend $1,500 in 3 mo· AF None
- Synchrony$100 cash back~$100 valueLikely eligibleSpend $1 in 3 mo· AF None
- American Express10,000 points~$100 valueLikely eligibleSpend $1,000 in 3 mo· AF None
1 thing to know
- · Welcome bonus is once per lifetime — make sure you've never had this exact card before.
- U.S. Bank50,000 points~$100 valueLikely eligibleSpend $4,500 in 3 mo· AF $400
- Bilt$100 cash back~$100 valueLikely eligible· AF None
- Cardless$100 cash back~$100 valueLikely eligible· AF None
- Discover$100 cash back~$100 valueLikely eligible· AF None
- Apple$75 cash back~$75 valueLikely eligibleSpend $75 in 1 mo· AF None
- Discover$75 cash back~$75 valueLikely eligible· AF None
- $50 cash back~$50 valueLikely eligible· AF None
- Alliant Credit Union5,000 points~$50 valueLikely eligibleSpend $500 in 3 mo· AF None
- Synchrony$45 cash back~$45 valueLikely eligibleSpend $45· AF None
- Comenity Bank25 ikea reward certificate~$25 valueLikely eligibleSpend $500 in 3 mo· AF None
- Wells Fargo200 points~$2 valueLikely eligibleSpend $500· AF None
- City National Bank (CNB)See detailsLikely eligible· AF $400
- See detailsLikely eligible· AF $39
- See detailsLikely eligible· AF $699
- American ExpressSee detailsLikely eligible· AF None
- See detailsLikely eligible· AF None
- Bank of AmericaSee detailsLikely eligible· AF None
- CoinbaseSee detailsLikely eligible· AF None
- See detailsLikely eligible· AF $299
- BarclaysSee detailsLikely eligible· AF $1199
- Upgrade (FinTech)See detailsLikely eligible· AF None
- SynchronySee detailsLikely eligible· AF None
- U.S. BankSee detailsLikely eligible· AF None
- See detailsLikely eligible· AF None
- Wells FargoSee detailsLikely eligible· AF None
- SynchronySee detailsLikely eligible· AF None
- RobinhoodSee detailsLikely eligible· AF $695
- See detailsLikely eligible· AF None
- 5 free night certificates~$-95 valueLikely eligibleSpend $4,000· AF $95
- 25,000 points~$-245 valueLikely eligibleSpend $3,000 in 3 mo· AF $495
How the eligibility checker works
Most “best credit card” lists ignore the single biggest reason applications get denied: issuer eligibility rules. This tool starts from the rules and works backward to the cards you can realistically be approved for.
- Chase 5/24 — Chase declines most applicants who have opened 5+ personal cards (any bank) in the last 24 months. Enter your count and we flag every Chase card accordingly (or use the dedicated 5/24 status checker to find your exact number and fall-off dates).
- Amex once-per-lifetime — you generally get each Amex card's welcome bonus only once, ever. List the Amex cards you've held and we mark them ineligible.
- New-cardmember & cooldown rules — some bonuses exclude existing cardholders or require waiting 24–48 months between bonuses.
- Credit & spend fit — we flag cards above your credit band and bonuses whose minimum spend you can't comfortably hit.
Want the full breakdown for any card? Browse every current offer or the best cards by category. New to this? Start with the best cards if you're under 5/24.
Frequently asked questions
What is the Chase 5/24 rule?
Chase will not approve you for most of its credit cards if you've opened 5 or more personal credit cards from any bank in the last 24 months. This tool counts your recent cards and tells you whether you're under 5/24 before you apply.
What does "once per lifetime" mean on Amex cards?
American Express generally pays each card's welcome bonus only once per lifetime. If you list a card you already have or have had, the checker flags that you won't earn its bonus again.
Is this tool free, and is my data stored?
Yes, it's free. Everything you type runs in your browser — nothing is saved or sent to a server. Refreshing the page clears it.
How accurate are the eligibility results?
We apply the publicly known issuer rules (5/24, 6/24, once-per-lifetime, new-cardmember-only, cooldown windows, credit floors). Banks also use unpublished internal criteria, so treat results as strong guidance, not a guarantee of approval.
Eligibility rules are based on publicly reported issuer behavior and can change. Banks use additional, unpublished criteria, so results are guidance — not a guarantee of approval. Verify terms on the issuer's site before applying.