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Restoring any saved plan…

Card planner

Should you apply now, or wait?

Find your next card, confirm the missing checks, then save a plan with dates. No account required.

A short preview; confirming full history takes longer · No account · No email · No credit pull

What do you want?

Other goals:

Repayment comes first

Purchases paid in full by the due date do not count. If you carry a balance, we pause card suggestions until it is paid off. We also pause suggestions if new purchases cannot be paid in full. You can view your plan before answering.

Are you paying interest on a credit-card balance carried past its payment due date? (optional for viewing your plan)
Can you pay new purchases in full by their payment due dates? (optional for viewing your plan)
Monthly spend

Range choices use planning assumptions. Enter normal purchases you can pay in full before relying on the spending check.

Assuming $1,500–3,000/mo · change

Credit score range (optional)
Personal or business card?

Personal is the default. Business offers require a qualifying business and authority to apply.

Cards you have or had

Select cards you have held, then mark closed accounts in Plan tools → Your cards. Until a closing date is entered, selected cards are treated as open.

Browse cards by issuer
Chase
More Chase cards (13)
Amex
More Amex cards (10)
Citi
More Citi cards (2)
Capital One
More Capital One cards (1)
Bank of America
More Bank of America cards (2)
Wells Fargo
Barclays
US Bank
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When did you last open a card?

This does not assign dates to individual cards or establish when a bonus arrived.

Recent card count: Not entered · Edit
Cards opened in the last 24 months
Your own cards

Count accounts you opened separately from cards on someone else’s account. Chase may include authorized-user accounts in 5/24; you may request reconsideration. They do not count as your own issuer approvals.

Add details · Preferences (optional)
How into this are you?

Pace limits are maximums, not targets. Moderate allows at most 3 in 12 months; Frequent at most 6 in 12 months. Timing and bonus checks depend on complete history.

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Choose a goal first

How does this planner decide whether to apply now or wait?

The planner compares your recorded account and bonus history with dated issuer rules and the spending budget you enter. Focus on the next 30–90 days; later dates in the 24-month plan depend on earlier outcomes and current terms. Missing history can change the next step, and only the issuer decides approval and welcome-bonus eligibility.

Rules reviewed . Rule sources · Method and assumptions

Cite this page: https://applyorwait.com/roadmap#answer.