Already carrying card debt? Compare payoff and consolidation costs →
How this estimate works
Remaining target = purchase requirement − (eligible posted purchases − returns), with a minimum remaining target of zero. Enter purchases before the returns you list; do not subtract a refund twice.
Planned spending = monthly budget × days remaining ÷ 30. Required monthly pace = remaining target × 30 ÷ days remaining. The 30-day month is a budgeting approximation. It does not determine your issuer’s deadline.
A small example
For a $500 target, $350 in purchases and $75 in refunds leave $225. A $100 monthly budget over 60 days supplies an estimated $200, leaving a $25 gap. A gap is a reason to reconsider the offer, not a suggestion to buy more.
Keep the deadline separate
Confirm your account’s actual deadline and choose an earlier target. Exclude pending or nonqualifying transactions. These inputs stay on this page and are not sent to an issuer or saved. This tool estimates spending, not reward value, interest costs, approval, or affordability.
Follow the complete welcome bonus checklist ↗Offer-specific date planners
Savor Rewards: plan the opening-date window ↗
Venture Rewards: plan the opening-date window ↗
Chase Freedom Unlimited®: plan the opening-date window ↗
Chase Sapphire Preferred®: plan the opening-date window ↗