CardReplyBonus pace
Source: From your statement- Target
- $4,000
- Counted
- $3,500
- To go
- $500
Pace: Ahead of pace
A $300 return on Sep 17 set you back. At your normal spending you finish around Oct 14. Deadline Oct 30.
Your cards.
A clearer answer.
CardReply turns your credit-card questions into a clear next step. Know which card to use, keep your bonus on track, and see whether an annual fee earns its place.
Found this week
Checked Nov 2
- $400SoFi: $400 for $5,000 of direct deposits
- 5%Chase Freedom: groceries and dining
- $500Bank of America: up to $500, open by Jan 31
- $200Amex Platinum: $200 airline fee credit by Dec 31
- $175Amex Platinum: $100 Resy and $75 lululemon
This week's list is being refreshed.
See all 30 finds, with sources- Free card tools
- No bank login
- Math you can see
The connector
Ask inside the assistant you already use.
Preview in
Preview in MuseChecked your bonus
Replay
You asked: Am I on pace for my Travel card bonus?
Used CardReplyChecked your bonus
Assistant: You're on pace. The $300 headphone return set you back, so you need $500 more by Oct 30. Your normal dining, gas and bills get you there around Oct 14. No need to change anything.
- AI explains the answer
- Calculators check the numbers
- Sample wallet. Website preview, not a connected account.
- Styled like each app. Not made by or connected to Meta or SpaceXAI.
Found money
Get paid back on money you already spend.
Credits you already pay for, card offers, bank bonuses that change every week. Here is what we found this week, free for everyone, from public sources. Members see the ones for the cards they hold, with a reminder before each one ends.
Checked by hand · Nov 2, 2026
Card credits to use before they reset
$175Use by Dec 31
Amex Platinum: $100 Resy and $75 lululemon
Enroll, then pay at a U.S. Resy restaurant ($100) and at lululemon ($75) with the card by Dec 31. A store purchase posts faster than an online order.
Amex Platinum cardholderslululemon outlets excluded
Source: American Express$40Use by Nov 30
Amex Platinum: $40 a month, Uber and streaming
Use November's $15 Uber Cash and $25 streaming credit (Disney+, Hulu, YouTube TV and others) by Nov 30. Neither rolls over.
Amex Platinum cardholdersStreaming needs enrollment
Source: American Express$27Use by Nov 30
Amex Gold: $27 a month, Uber, dining, Dunkin'
Use November's $10 Uber Cash, $10 dining credit (Grubhub, Five Guys and others) and $7 at Dunkin' by Nov 30. None roll over.
Amex Gold cardholdersDining and Dunkin' need enrollment
Source: American Express$50Use by Dec 31
Amex Gold: $50 Resy credit for July to December
Enroll, then dine at a U.S. Resy restaurant with the card. The $50 covers July to December and does not carry into January.
Amex Gold cardholdersNeeds enrollment
Source: American Express$50Use by Dec 31
Hilton Aspire and Surpass: $50 each quarter
Aspire: buy a flight directly from an airline or on Amex Travel. Surpass: pay a Hilton hotel directly. The October to December $50 ends Dec 31.
Hilton Aspire and Surpass cardholdersDirect purchases only
Source: American Express$300Book by Dec 31
Amex Platinum: $300 hotel credit by Dec 31
Book a prepaid Fine Hotels + Resorts or Hotel Collection stay on Amex Travel with the card by Dec 31. The stay itself can be later.
Amex Platinum and Business Platinum cardholdersHotel Collection needs 2 nights
Source: American Express$200Use by Dec 31
Amex Platinum: $200 airline fee credit by Dec 31
Pick one airline on your Amex account, then pay that airline for checked bags, seat fees or in-flight food with the card. The credit resets each calendar year.
Amex Platinum cardholdersFees only, not tickets
Source: American Express$300Use by Dec 31
Sapphire Reserve: $150 dining, $150 StubHub
Dine at a Sapphire Exclusive Tables restaurant on OpenTable and buy StubHub or viagogo tickets with the card. Each $150 covers July to December.
Chase Sapphire Reserve cardholdersStubHub needs activation
Source: Chase$50Spend by Dec 31
Marriott Boundless: $50 back on $250 of airfare
Activate the offer on chase.com, then spend $250 directly with an airline by Dec 31 for a $50 statement credit. New cardholders are enrolled automatically.
Marriott Bonvoy Boundless cardholdersExisting cardholders must activate
Source: Chase
5% categories for October to December
5%Activate by Dec 14
Chase Freedom: groceries and dining
Activate, then earn 5% on up to $1,500 at grocery stores and restaurants from Oct 1 to Dec 31. Walmart and Target do not count as groceries.
Freedom Flex and Freedom cardholdersUp to $75 back
Source: Chase5%Through Dec 31
Discover it: restaurants and utilities
Activate before you spend: 5% on up to $1,500 at restaurants, entertainment and utilities through Dec 31 only counts from the day you activate.
Discover it cardholdersUp to $75 back
Source: Discover5%Choose for Oct to Dec
U.S. Bank Cash+: pick two 5% categories
Choose two 5% categories for Oct to Dec, such as utilities, cell phone or fast food, on up to $2,000. Skip it and you earn 1%.
U.S. Bank Cash+ cardholdersUp to $100 back
Source: U.S. Bank5%Enroll for Oct to Dec
Citi Dividend: restaurants and Citi Travel
Enroll for 5% at restaurants and on hotels, car rentals and attractions booked on Citi Travel through Dec 31. It starts two business days after you enroll.
Citi Dividend cardholdersNothing counts before you enroll
Source: Citi
Bank bonuses for your paycheck
$400First deposit by Dec 31, 2027
SoFi: $400 for $5,000 of direct deposits
Open SoFi Checking and Savings and have $5,000 of paychecks arrive within 25 days of the first one. $1,000 to $4,999 earns $50.
Anyone who never had SoFi direct depositTaxable. No monthly fees
Source: SoFi$500Open by Jan 31, 2027
Bank of America: up to $500, open by Jan 31
Open Advantage Plus checking on the offer page and get $10,000 of direct deposits within 90 days for $500. $2,000 earns $100 and $5,000 earns $300.
No Bank of America checking in the last 12 monthsTaxable. $12 monthly fee unless waived
Source: Bank of America$500Open by Feb 2, 2027
Truist: $500 for $2,000 of direct deposits
Open Truist One Checking online with the offer by Feb 2, 2027, then get two or more direct deposits totaling $2,000 and make 20 debit card purchases within 120 days.
New Truist customers in 17 states and DCTaxable. $12 monthly fee unless waived
Source: Truist$400Open by Jan 7, 2027
PNC: $400 for $5,000 of direct deposits
Open Virtual Wallet with Performance Select on the offer page by Jan 7, 2027 and get $5,000 of direct deposits within 60 days. Plain Virtual Wallet with $500 earns $100.
New PNC checking customersTaxable. $25 monthly fee unless waived. Varies by market
Source: PNC$300Open by Jan 27, 2027
Chase: $300 for any direct deposit
Open Total Checking with the offer and set up a direct deposit within 90 days. Add Chase Savings with $15,000 held 90 days and it is $900.
No Chase checking now; one bonus every 2 yearsTaxable. $15 monthly fee unless waived
Source: Chase$450Open by Nov 10
U.S. Bank: up to $450 for direct deposits
Open Smartly Checking with the offer and get two or more direct deposits totaling $8,000 within 90 days for $450. $2,000 earns $250.
No U.S. Bank checking in the last 12 monthsTaxable. Mostly in its branch states
Source: U.S. Bank$300No end date posted
Capital One 360: $300, no monthly fee
Open 360 Checking with code OFFER300 and receive two direct deposits of $500 or more within 75 days.
No Capital One checking since 2024Taxable
Source: Capital One$300Open by Nov 30
TD Bank: $300 for $2,500 of direct deposits
Open TD Beyond Checking by Nov 30 and get $2,500 of direct deposits, each $250 or more, within 60 days. Complete Checking with $500 earns $200.
New TD checking customersTaxable. $25 monthly fee unless waived
Source: TD Bank
Card offers going around
$150Ends Nov 30
Amex Offer: $150 back at Marriott
Add the offer, then spend $300 on the room at a participating Marriott in the U.S., Canada, Mexico or the Caribbean by Nov 30. Some cards get $200 on $450.
Targeted Amex cardsSome brands excluded
Source: Doctor of Credit$200Ends Dec 15
Amex Offer: 20% back at Adobe, up to $200
Add the offer, then pay for Creative Cloud, Acrobat or another Adobe subscription at adobe.com with the card by Dec 15. A yearly plan paid up front gets more back.
Amex cards that show the offerAdobe.com and the Adobe app only
Source: Frequent Miler$125Book by Jan 15, 2027
Amex Offer: 10% back at Hotels.com, up to $125
Add the offer, then book a prepaid stay through the hotels.com/amex link with the card by Jan 15, 2027. Pay-at-property bookings do not count.
Amex cards that show the offerPrepaid bookings through the Amex link only
Source: Doctor of Credit$75Spend by Nov 20
Prime Visa: $75 back on $500 of everyday spend
Activate the emailed offer, then spend $500 on groceries, dining, gas, travel and other purchases from Oct 20 to Nov 20. Some cards get $100 on $750.
Targeted Prime Visa cardholdersAmazon and Whole Foods do not count
Source: Doctor of Credit$25Ends Dec 31
Amex Offer: $25 back on $250 at Best Buy
Add the offer, then spend $250 at Best Buy in store or at bestbuy.com with the card by Dec 31, in one or more purchases.
Amex cards that show the offerGift cards and outlets excluded
Source: Doctor of Credit$60Pay by Dec 31
Amex Offer: $60 back on $300 at Enterprise
Add the offer, then pay $300 or more for car rentals booked directly with Enterprise online, in the app or at the counter by Dec 31.
Amex cards that show the offerDirect bookings only. U.S. and five European countries
Source: Doctor of Credit
Gift card deals this week
$45Join by Dec 20
Costco: $45 shop card with a new membership
Join Costco as a Gold Star or Executive member with auto renewal by Dec 20 and a $45 Digital Costco Shop Card arrives by email.
New members, or no Costco membership in 18 monthsAuto renewal required
Source: Costco$10Buy by Jan 3, 2027
Applebee's: free $10 bonus card with $50
Buy $50 of Applebee's gift cards at gift-cards.applebees.com by Jan 3, 2027 and a $10 bonus card comes with them, good at restaurants or online through Feb 28, 2027.
Anyone, onlineBonus card expires Feb 28, 2027
Source: GCanywhere10%Through Nov 30
eGifter: $100 Lowe's eGift card for $90
Use code LOWES1126 at eGifter.com for $10 off a $100 Lowe's eGift card through Nov 30, while supplies last.
Anyone, onlineLimit 5 per customer
Source: GCanywhere
Public offers and terms, checked by hand. They change often, so read the terms before you act. Card offers are targeted and show on some cards only.
With your own cards
For membersThis week's finds for your cards
Your account page shows the finds on this list for the cards you hold: credits, 5% categories and card offers that may be on them, soonest deadline first. Offers are targeted, so you check your card's offers and add them yourself.
A reminder before it ends
With reminder emails on, you get at most one email a day: 3 days before a find for your cards ends, before a welcome bonus deadline and before an annual fee posts. One press stops them.
Bank bonuses and gift cards for anyone
The bank bonuses and gift card deals on this list work whatever cards you hold, so they stay here, free for everyone, with their terms and deadlines.
$9a month for CardReply, or $79 a year.
Membership is open now: answers from your own cards, this week's finds for them and reminders before they end. One $10 credit or offer you use covers a month.
Start membershipCompare
Find the tools that fit your cards.
Compare features, bank access and price. Here is how CardReply compares, with sources for every other tool.
| Tool | Needs your bank login? | Works from the cards you hold? | Shows the math behind an answer? | Price |
|---|---|---|---|---|
| CardReplyCard app | No | Yes, for members | Yes | Free tools, $9 a month |
| Credit Card MaxCard bot | No | Yes | Not shown | Free bot |
| Credit KarmaCard app | Credit reports | Yes, linked | Not shown | Free |
| NerdWalletCard site | Optional | None found | Partly | Free |
| The Points GuyCard site | No | No | Published values | Free |
Sound familiar
Three questions every cardholder keeps asking.
01Bonus pace
“Am I going to hit the spend?”
$500to go by Oct 30
Ahead of pace
Your pace, not just your total. Returns and pending charges are counted the way your card counts them.
Ask it: Am I going to hit the spend?02Cheat sheet
“Which card do I use here?”
- Dining and travel
- Travel card 3x
- Groceries
- Grocery card 4%
- Everything else
- Travel card for the bonus
After Oct 30, everything else moves to Everyday, 2%.
A cheat sheet that keeps itself current. Categories, caps and any bonus you're working on.
Ask it: Which card do I use here?03Renewal
“My annual fee is coming. Keep it? What do I say?”
Nov 14$95 annual fee posts
- Added over your Everyday card
- +$120
- Annual fee
- -$95
- Worth keeping
- +$25
What to say
“My annual fee just posted and I'm deciding whether to keep this card. Are there any retention offers on my account?”
What the card really earned you, when to call, and the exact words.
Ask it: My annual fee is coming. Keep it? What do I say?
And when you ask whether to get another card, sometimes the answer is no.
How it works
A conversation with the numbers behind it.
The AI understands your question and explains the answer. Tested calculators do the math. Every figure in a reply is checked against that math before you see it.
01
Ask a real question
Which card for this purchase? Am I on pace for my bonus? Start with what you need to know.
02
See the working
The card tools calculate the answer. The AI explains what matters and asks when something is missing.
03
Choose your next step
Use this card. Keep that one. Wait on the next. A useful answer can be to change nothing.
Figure check
Passed
You're on pace. The $300 headphone return set you back, so you need $500 more by Oct 30. Your normal dining, gas and bills get you there around Oct 14. No need to change anything.
- $300The posted returnMatches the calculation
- $500Still needed for the bonusMatches the calculation
No bank login
It never asks for a full card number, a password or a statement.
Chats are not stored
We answer and keep nothing. The free calculators run in your browser.
No selling your data
No third-party tracking on our pages. Cookies support sign-in and checkout. Outbound clicks are counted in daily totals.
Your decision
See the inputs and the math. Keeping your current cards can be the answer.
Whole-cent arithmetic · Automated tests on every calculator · Strict security headers · Runs on Cloudflare
It connects the dots
You returned a $300 pair of headphones. Three things just changed.
One posted return changes the plan. CardReply sees the return, redoes the math and tells you what changed.
Return postedTravel card · Sep 17 · $300
Your bonus
Before the return: $200 to go. Done by early October.
After the return: $500 to go. Done by mid October.
Which card
Before the return: Everyday spending moves back to your 2% card on Oct 3.
After the return: It stays on the Travel card two more weeks.
Next card
Before the return: Revisit a new card after the current bonus.
After the return: Hold off until November.
Free tools
A clear next step. For every card question.
Free tools you can use today. No account or bank connection needed.
- Credit card rewards calculator
Cash, flights or a few nights away.
See what the same points buy as cash, flights or hotels, with fees and leftover points counted.Explore your points - Welcome bonus tracker
Keep the bonus in sight.
See what counts, what is left and the pace needed before your deadline.Check your bonus - Annual fee calculator
Make the fee earn its place.
Compare rewards and useful credits with your best no-fee alternative.Check an annual fee - Credit card payoff calculator
Find a way to pay it down.
Compare debt avalanche, debt snowball and minimum payments across your cards.Build a payoff plan
Designed for conversation
Muse. Grok Bot.
The same useful tools, wherever you like to ask. The free connector works today in assistants that let you add one by its address, and the member connector answers from your own cards after you sign in. Coming next: both, in the Muse and Grok Bot directories.
See the connector experience- MuseMetaNot listed yet
- Grok BotSpaceXAINot listed yet
Straight answers
Ask us anything. Here's what people ask first.
Is it live yet?
Yes. Membership is open: sign in, add the cards you hold and get answers worked out from them, such as which card to use, your bonus pace, renewal checks and whether another card would help. The website chat, the free calculators and the free connector work for everyone. Members also see this week's finds for their cards and can get reminder emails, and the member connector lets an assistant answer from their own cards.
How does it find money back?
Every week we check public card credits, bonus categories, card offers, bank bonuses and gift card deals by hand, each with its source, and list them for free on this page. Members see the ones for the cards they hold on their account page, soonest deadline first, and can get a reminder email before one ends. We never see your card accounts or your offers: card offers are targeted, so you check your card's offers and add them yourself, as Amex's rules require. Your passwords never reach us.
How much will it find?
It depends on your cards and on what you use. For someone with a few cards, credits and offers are often worth tens of dollars a month when they get used. One $10 credit or offer covers the $9 membership, but it will not replace a paycheck. We would rather say so now.
Does a bank deposit or a gift card count toward my welcome bonus?
Usually not. Amex welcome offers exclude gift cards and other cash equivalents, and Chase does not count funding a bank account as a purchase. Some banks' card deposits post as cash advances, which cost fees and interest. We check your card's terms and recent reports before we suggest a deal, and leave it out when we are not sure.
What does membership cost?
Membership is $9 a month or $79 a year. The website tools, the sample chat and the free connector are free.
Can I cancel?
Yes, anytime, from your account. Your plan keeps working to the end of the month or year you paid for, then stops. Deleting your account ends the plan at once, without a refund.
Are the numbers right?
The result cards come from tested calculators, and the AI explains those results. The chat uses a sample wallet. Members' answers come from the same calculators, run on the cards and figures they enter. The free calculators work with the amounts you enter and show their assumptions.
What can it see?
The chat sees the conversation you type and a sample wallet. The free calculators run in your browser. Members' answers use only what they add themselves: the cards they pick from our list, and figures such as their bonus progress and yearly spending. There is no bank connection, inbox access or statement upload, and we never need a full card number or a password. An assistant you connect reads only your saved cards and figures and the answers worked out from them, can't change anything, and can be disconnected from your account.
Which assistants will it work in?
Muse and Grok Bot are the ones we build for, and neither lists CardReply yet. The free connector works today in assistants that let you add a connector by its address. The member connector asks you to sign in, then answers from your own cards. It passes the official MCP sign-in test, and we have not yet tried it inside Muse or Grok Bot. Coming next: both, in their directories.
Can it remind me before a deadline?
Yes, for members with a plan. With reminder emails on, you get at most one email a day: 14 and 3 days before a welcome bonus deadline you saved, 30 days before an annual fee posts on a card where you added the fee date, and 3 days before a find for your cards ends. Each email has a link that stops them, and you can switch them off in your account. The free bonus calculator works for anyone.
Will it push me to open more cards?
No. It only says yes when the math works with the spending you already do. A lot of the time the answer is keep what you have.
Who is it for?
People with two to six cards who pay in full every month. If you carry a balance, interest can outweigh rewards, so start with the free payoff planner. We'll tell you that instead of taking your $9.
Membership
Membership is open.
$9 a month or $79 a year, for answers worked out from the cards you hold.
- Which card to use, bonus pace, renewal checks and next card, from your own cards
- Add your cards free, then choose monthly or yearly
- Cancel anytime from your account