Posted by Chuck on March 21, 2019
Credit Cards

Published on March 21st, 2019 | by Chuck

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How to Track your Spend Progress toward a Credit Card Signup Bonus

Many banks give tools to track your signup bonus by showing how much progress was made toward the bonus. This tracker is also helpful in confirming that the bonus is properly attached to the account and how much time remains. We’ve seen such tools from various banks, and I thought it was worth writing up a dedicated post. Please add anything we’re missing to the comments below and we’ll add it in.

American Express

(Our Original Post) American Express has sent out an email with a tracker which even updates in real time as you continue your progress toward the signup bonus. Some people have also gotten the tracker within their Amex login. It’s not clear if they are still offering either of these tracking system, as of now (March 2019).

Capital One

Capital One sends out an email at some point along the way with information of how much progress you’ve made for the spend, as well as the number of days remaining, according to reader Jon.

Chase

(Our Original Post) Chase now has a signup bonus tracker in their online login and in app. Go to the points portal > Rewards Activity to see the tracker online; in the app, you should see it when clicking on the card. Not everyone is seeing it as of now, it may still be rolling out.

Citi

Back in 2015, Frequentmiler wrote about Citi’s online signup bonus tracker on cards like American Airlines and Hilton. It’s not clear if they are still offering this tracking system on any card, as of now (March 2019). Citi does send out an email at some point confirming your bonus offer, but without any progress tracking.

Wells Fargo

(Our Original Post) Wells Fargo has a signup bonus tracker which shows all details of your bonus progress and time remaining.



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Andrew
Andrew

I have a Citi AA Plat Select card that I got through a 60K mailer offer that I’m currently working on spending for. It looks like I don’t see the spend tracker either, so it seems possible that they removed it. I can confirm if/when I get the bonus.

Mateo
Mateo

Same here. No tracker on Citi AA personal or business.

NK2
NK2

Regarding the Amex progress tracker–last year I signed up for the Hilton Aspire and definitely saw it at login. However, a couple months ago I signed up for the Gold card and did not see the tracker. I did know when I reached the threshold, however, because the bonus posted almost immediately (did not need to wait for statement to close).

Admans
Admans

Barclays also has Spend Analyser which you can check the progress on your spend for Arrival+ card

Daniel
Daniel

It took me a while to come up with something simple, but here is what works for me:

1. At the moment of applying for the credit card, I calculate 85 days forward and mark my wall calendar with this date and the spend amount needed (I am presuming a 90 day spending period here – the 5 days is to give myself a cushion for purchase processing lag).

2. I always pay my bill in on time, but I round up to the closest hundred dollar above the statement balance. So if I owe $737, I pay $800 (this ends up covering some more recent purchases).

3. When the due date is approaching, I can calculate my spending quickly by looking at the amounts paid (because they are rounded to the $100) in relation to the sum of the outstanding and pending balances.

Anyway, works for me . . .

NK2
NK2

Great tip! One thing to remind people (which you probably already account for)–remember to subtract the annual fee, as that would be in your sum, but would not count towards the minimum spend.

USam
USam

Does Chase show it on co-branded cards as well?
I don’t see it on my Hyatt card.

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