Welcome-bonus feasibility calculator
Enter typical monthly spend you would put on a new card and pick a published welcome offer from the Madeen catalog. We compare your natural spend pace to the issuer minimum-spend requirement and window — showing shortfall per month and whether the bonus fits without manufactured spend, balance-transfer tricks, or unplanned purchases. Madeen uses catalog terms only; no bank login or approval odds.
Use everyday purchases you already budget — not manufactured spend.
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Feasibility check
No welcome offers
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Highest published welcome bonuses
Build-time snapshot from the Madeen catalog — verify issuer terms before applying.
| Card | Bonus | Min spend | Window | Req./mo |
|---|---|---|---|---|
| Spark Cash Plus Capital One | $2,000 | $30,000 | 3 mo | $10,000 |
| Sapphire Reserve for Business℠ Credit Card Chase | $2,000 | $30,000 | 3 mo | $10,000 |
| The American Express® Graphite™ Business Cash Unlimited American Express | $1,500 | $50,000 | 6 mo | $8,333 |
| Hawaiian Airlines® World Elite Mastercard® Barclays | $1,440 | $2,500 | 3 mo | $833 |
| Atmos™ Rewards Summit Visa Infinite® Bank of America | $1,440 | $4,000 | 3 mo | $1,333 |
| Citi® AAdvantage® Globe™ Card Citi | $1,350 | $5,000 | 4 mo | $1,250 |
| United Club℠ Business Card Chase | $1,320 | $5,000 | 3 mo | $1,667 |
| United℠ Business Card Chase | $1,320 | $5,000 | 3 mo | $1,667 |
| JetBlue Premier Barclays | $1,300 | $5,000 | 3 mo | $1,667 |
| Atmos Rewards™ Ascent Visa Signature Bank of America | $1,260 | $2,500 | 3 mo | $833 |
Madeen Card Rules · Effective-rate methodology · How to evaluate a welcome bonus
Common questions
What monthly spend should I enter?
Use the realistic monthly total you would put on the new card from everyday bills and planned purchases — not a one-off splurge to chase the bonus. If your spend varies, use a conservative average.
What if I am close but not quite there?
A borderline result means you might miss the window if any month runs below average. Wait for a better offer fit, shift existing planned spend you can pay in full, or skip the bonus rather than manufacturing spend.
Welcome-bonus feasibility calculator FAQ
How does the welcome-bonus feasibility calculator work?
Enter typical monthly spend you would put on a new card and pick a published welcome offer. Madeen divides the issuer minimum spend by the stated window and compares it to your budget — showing shortfall per month and whether the bonus fits natural spending.
Does this tool recommend manufactured spend?
No. Madeen only models purchases you already planned. Gift-card loops, prepaid loads, and other spend you would not make without the bonus are out of scope — skip offers that require forcing extra purchases.
Are approval odds or bank login included?
No. This calculator uses published catalog minimum-spend and window fields only. It does not predict approvals, track bonus progress, or connect to your accounts — verify eligibility and terms on the issuer site before applying.