Sample — not personalized
Generated from a hypothetical 740–799 score range and 2 existing cards with explicit sample opening dates. Offer list reviewed 2026-10-06. Explore fit and timing, then check your own profile.
Check my timing →Your plan: Travel points · 740–799
No affiliate programs are active today. Rankings never depend on payouts. How we’re paid · Offer list reviewed 2026-10-06 · Terms apply.
Based on the cards you entered. Missing cards or applications can change your timing.
Reminders include a saved-plan link containing your exact score (if entered), card history and other answers. Your calendar provider can read those answers.
YOUR NEXT MOVE
Freedom Flex
Chase
Nothing in the history you gave us blocks this card today. The issuer still decides whether to approve you.
$250 estimated first-year value after fees (travel redemption). Terms apply.
Why this card · What’s included?
Why this card
- Nothing in the history you gave us blocks this card today. The issuer still decides whether to approve you.
- Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
First-year value (travel redemption): $250 after fees, assuming the base offer is earned.
Welcome offer: $250 bonus cash back (25,000 points redeemable for $250) · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $500 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$250 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $0 fees; $250 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: January 6, 2027. Bonus posting is estimated unless confirmed.
Fit and timing use your answers, not a credit pull. Every approval is the issuer’s decision.
Chase 5/24: 1 accounts opened in 24 months
Chase usually declines applications at five or more recent personal accounts. Staying below five does not establish approval.
Account ages out September 30, 2028 · count drops to 0/24, before new accounts
Counts use the dates and precision you gave us. Rules reviewed 2026-10-06; rules can change. Approval is always the issuer’s decision.
Shared links include all your answers, including any exact score and history. Anyone with the link can read them.
Next 90 days
December 6, 2026
Freedom Unlimited
$200 first-year value after fees, estimated
Wait until December 2026Wait until December 6, 2026 under the supplied history and spending plan.
Details
Why this card
- Wait until December 6, 2026 under the supplied history and spending plan.
- Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
- Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
First-year value (travel redemption): $200 after fees, assuming the base offer is earned.
Welcome offer: $200 bonus cash back · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $500 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$200 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $0 fees; $200 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: March 6, 2027. Bonus posting is estimated unless confirmed.
Later (conditional) · 7 cards
These depend on approvals, completed spending and updated eligibility. Dates are reminders to review. Re-check your entered history before acting.
April 6, 2027
Venture X
$843 first-year value after fees, estimated
Wait until April 2027Wait until April 6, 2027 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until April 6, 2027 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Capital One often checks all three credit bureaus. You may receive a hard inquiry on each report; the exact checks can vary.
- Capital One does not publish a dependable general two-card maximum. Account limits can depend on the specific offer.
First-year value (travel redemption): $843 after fees, assuming the base offer is earned.
Welcome offer: 75,000 Capital One miles · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $4,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$938 bonus estimate using the selected redemption basis.
Within this 24-month plan: $450 expected credit use − $790 fees; $598 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
- Travel credit: $300 available × 100% assumed use.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: July 6, 2027. Bonus posting is estimated unless confirmed.
June 6, 2027
AAdvantage Platinum Select
$901 first-year value after fees, estimated
Wait until June 2027Wait until June 6, 2027 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until June 6, 2027 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Citi is reported to be sensitive to recent hard inquiries. A high count may reduce approval odds; no dependable cutoff is published.
First-year value (travel redemption): $901 after fees, assuming the base offer is earned.
Welcome offer: 80,000 AAdvantage miles · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $3,500 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$1,000 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $198 fees; $802 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: October 6, 2027. Bonus posting is estimated unless confirmed.
December 6, 2027
Strata Premier
$740 first-year value after fees, estimated
Wait until December 2027Wait until December 6, 2027 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until December 6, 2027 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Citi is reported to be sensitive to recent hard inquiries. A high count may reduce approval odds; no dependable cutoff is published.
First-year value (travel redemption): $740 after fees, assuming the base offer is earned.
Welcome offer: 60,000 ThankYou points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $4,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$750 bonus estimate using the selected redemption basis.
Within this 24-month plan: $71 expected credit use − $95 fees; $726 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
- Hotel savings benefit: $100 available × 85% assumed use.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: March 6, 2028. Bonus posting is estimated unless confirmed.
February 6, 2028
Premium Rewards
$655 first-year value after fees, estimated
Wait until February 2028Wait until February 6, 2028 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until February 6, 2028 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Reported approval limits may depend on your Bank of America deposit relationship and recent cards from all issuers.
First-year value (travel redemption): $655 after fees, assuming the base offer is earned.
Welcome offer: 60,000 points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $4,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$750 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $95 fees; $655 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: May 6, 2028. Bonus posting is estimated unless confirmed.
April 6, 2028
Autograph Journey Visa
$655 first-year value after fees, estimated
Wait until April 2028Wait until April 6, 2028 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until April 6, 2028 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Wells Fargo may consider recently opened accounts across banks. Reports conflict on a fixed 24-month cutoff.
First-year value (travel redemption): $655 after fees, assuming the base offer is earned.
Welcome offer: 60,000 points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $4,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$750 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $95 fees; $655 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: July 6, 2028. Bonus posting is estimated unless confirmed.
June 6, 2028
Hawaiian Airlines World Elite
$651 first-year value after fees, estimated
Wait until June 2028Wait until June 6, 2028 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until June 6, 2028 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Barclays may be sensitive to six or more recent cards in 24 months; applicant reports include exceptions.
- Recent inquiries on the credit report this issuer checks may affect approval. The exact limit is not published.
- Earn 60,000 points after $1,000 in 90 days, plus 10,000 after total spending reaches $2,000 within 180 days.
First-year value (travel redemption): $651 after fees, assuming the base offer is earned.
Welcome offer: 60,000 points + 10,000 points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $1,000 in 90 days; $2,000 in 180 days. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$875 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $99 fees; $776 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: September 4, 2028. Bonus posting is estimated unless confirmed.
Qualifying spend deadline: December 3, 2028. Bonus posting is estimated unless confirmed.
August 6, 2028
Atmos Rewards Ascent Visa Signature Alaska Airlines
$530 first-year value after fees, estimated
Wait until August 2028Wait until August 6, 2028 under the supplied history and spending plan. This later step is conditional. Recheck offers, history and spending before this date.
Details
Why this card
- Wait until August 6, 2028 under the supplied history and spending plan.
- This later step is conditional. Recheck offers, history and spending before this date.
- Reported approval limits may depend on your Bank of America deposit relationship and recent cards from all issuers.
First-year value (travel redemption): $530 after fees, assuming the base offer is earned.
Welcome offer: 50,000 Atmos Rewards points + $99 Companion Fare (taxes/fees from $23) · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $1,500 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
$625 bonus estimate using the selected redemption basis.
Within this 24-month plan: $0 expected credit use − $95 fees; -$95 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: November 6, 2028. Bonus posting is estimated unless confirmed.
Other decisions and missing information
Hilton Honors Aspire
Missing information: your welcome-offer eligibility and bonus history; your bonus history for this cardConfirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value. Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
Details
Why this card
- Confirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value.
- Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
- Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
- Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
- Avoid closing or downgrading in the first 12 months; Amex may reclaim a bonus. Review the terms of the offer you accepted.
- Existing Amex cardholders often receive a soft inquiry, but a hard inquiry is possible when accepting another card.
First-year value (travel redemption): $905 after fees, assuming the base offer is earned.
Welcome offer: 200,000 Hilton Honors points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $6,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
Welcome-offer value needs confirmation; it is excluded from counted value.
Within this 24-month plan: $425 expected credit use − $1,100 fees; -$675 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
- Flight credit; up to $50 per quarter: $200 available × 85% assumed use.
- Hilton resort credit: $100 available × 85% assumed use.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: August 6, 2027. Bonus posting is estimated unless confirmed.
Hilton Honors Surpass
Missing information: your welcome-offer eligibility and bonus history; your bonus history for this cardConfirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value. Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
Details
Why this card
- Confirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value.
- Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
- Amex determines your welcome-offer eligibility and exact amount. If it says no welcome offer, this bonus estimate does not apply.
- Amex may restrict a welcome offer if you have held the card before. Some targeted offers have different terms; the issuer determines eligibility.
- Avoid closing or downgrading in the first 12 months; Amex may reclaim a bonus. Review the terms of the offer you accepted.
- Existing Amex cardholders often receive a soft inquiry, but a hard inquiry is possible when accepting another card.
First-year value (travel redemption): $780 after fees, assuming the base offer is earned.
Welcome offer: 130,000 Hilton Honors points + 1 award-night certificate · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $3,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
Welcome-offer value needs confirmation; it is excluded from counted value.
Within this 24-month plan: $0 expected credit use − $150 fees; -$150 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
Qualifying spend deadline: February 6, 2028. Bonus posting is estimated unless confirmed.
JetBlue Plus
Missing information: your welcome-offer eligibility and bonus history; your bonus history for this cardConfirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value. Meet qualifying spending and pay the annual fee in full within 90 days. Wyndham minimum payments may not satisfy its fee condition.
Details
Why this card
- Confirm this specific welcome offer and your bonus history before applying. Unconfirmed bonuses are excluded from counted value.
- Meet qualifying spending and pay the annual fee in full within 90 days. Wyndham minimum payments may not satisfy its fee condition.
- Barclays may be sensitive to six or more recent cards in 24 months; applicant reports include exceptions.
- Recent inquiries on the credit report this issuer checks may affect approval. The exact limit is not published.
- Meet qualifying spending and pay the annual fee in full within 90 days. Wyndham minimum payments may not satisfy its fee condition.
- Complete eligible purchases by the exact offer deadline. Returns, fees and other excluded transactions may not count.
- Meet qualifying spending and pay the annual fee in full within 90 days. Wyndham minimum payments may not satisfy its fee condition.
First-year value (travel redemption): $776 after fees, assuming the base offer is earned.
Welcome offer: 70,000 TrueBlue points · Terms apply · Offer list reviewed 2026-10-06; check the card’s individual review date.
Minimum spend: $1,000 in eligible purchases; check the exact offer deadline. Pay balances in full; interest and extra spending can outweigh rewards.
What’s included in the value?
Welcome-offer value needs confirmation; it is excluded from counted value.
Within this 24-month plan: $0 expected credit use − $99 fees; -$99 estimated value after fees, including counted bonuses. Renewal fees within these 24 months are included.
Credits may require enrollment or purchases. Everyday spending rewards, interest, taxes and redemption charges are excluded. Terms apply.
January 4, 2028: Meet qualifying spending and pay the annual fee in full within 90 days. Wyndham minimum payments may not satisfy its fee condition.
Qualifying spend deadline: January 4, 2028. Bonus posting is estimated unless confirmed.
Other card decisions
Sapphire Preferred · Not recommended: You already hold this card, so this new-account offer is unavailable to you.
Value and assumptions
First 12 months from October 6, 2026: $1,388 counted bonuses + $320 expected credit use − $1,044 fees = $664 value after fees, estimated.
Over 24 months: $5,513 counted bonuses + $946 expected credit use − $2,816 fees = $3,642 value after fees, estimated. Renewal fees within both time periods are included.
$2,855 in unconfirmed bonus estimates is excluded from these totals.
Assumes each application is approved and each minimum spend is met. Estimates use the selected redemption rates; they are not cash earnings. Everyday spending rewards, interest, taxes and redemption charges are excluded. Negative values remain costs. Every approval is the issuer’s decision.
Values are estimates, not guaranteed rewards.
Statement credits use estimated usage and accrue monthly; actual benefit timing may differ.
Bonus posting dates are estimates unless confirmed.
Rewards on ordinary spending are excluded.
Interest and taxes are not included. Terms apply.
Qualifying-purchase capacity uses 60% of your comfortable monthly amount; overlapping deadlines share that budget. Extra spending is never required.
How to use your points
Third-party tools can help explore redemptions after you’ve earned points. Tool charges and redemption fees may apply. These links never affect rankings.
- seats.aero (opens in a new tab)
Search award availability · third-party tool
- point.me (opens in a new tab)
Find points-booking options · third-party tool
- Thrifty Traveler Premium (opens in a new tab)
Explore flight-deal alerts · third-party tool
Rules reviewed 2026-10-06 · How the plan is calculated · Offers and issuer rules can change.