Feature 2 - Welcome bonus strategy
Do not chase a bonus that makes you overspend.
Model the minimum spend window, annual fee, and point value before applying. The best bonus is the one you can earn with purchases you already planned to make.
Recommendation
Short by $3,200 per month.
The offer requires about $5,000 per month for 6 months. Net first-year bonus value is about $199,205 after the annual fee.
Bonus value
$200,000
200,000 points
Minimum spend
$30,000
6 month window
ROI on spend
664%
Net bonus divided by required spend
History signal
At tracked best
2 observations
What the richer card database needs to remember
Welcome bonus advice depends on history: public vs targeted offers, minimum spend changes, fee changes, source confidence, and whether the current offer is meaningfully above baseline. A single current card row cannot answer whether an offer is good now.
See rewards data methodology