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 Sep 28
- $500Wells Fargo: $500 for $1,000 of deposits
- $400SoFi: $400 for $5,000 of direct deposits
- 5%Chase Freedom: groceries and dining
- $325Citi: $325 for $3,000 of direct deposits
- 5%Discover it: restaurants and utilities
This week's list is being refreshed.
See all 28 finds, with sources- No card commissions
- 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, offers hiding in your card apps, bank bonuses that change every week. Here is what we found this week. With your own cards, CardReply finds yours and checks each one against your card's rules first.
Checked by hand · Sep 28, 2026
Card credits to use before they reset
$175Use by Sep 30
Amex Platinum: Q3 Resy and lululemon credits
Enroll, then pay at a U.S. Resy restaurant ($100) and at lululemon ($75) with the card. Online lululemon orders can post too late, so a store is safer.
Amex Platinum cardholderslululemon outlets excluded
Source: American Express$175Oct 1 to Dec 31
Amex Platinum: new Resy and lululemon credits
From Oct 1, enrolled cards get another $100 at U.S. Resy restaurants and $75 at lululemon for October to December.
Amex Platinum cardholderslululemon outlets excluded
Source: American Express$40Use by month end
Amex Platinum: $40 a month, Uber and streaming
Use each month's $15 Uber Cash and $25 streaming credit (Disney+, Hulu, YouTube TV and others) before the month ends. Neither rolls over.
Amex Platinum cardholdersStreaming needs enrollment
Source: American Express$27Use by month end
Amex Gold: $27 a month, Uber, dining, Dunkin'
Use each month's $10 Uber Cash, $10 dining credit (Grubhub, Five Guys and others) and $7 at Dunkin' before the month ends. None roll over.
Amex Gold cardholdersDining and Dunkin' need enrollment
Source: American Express$50Use by quarter end
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. Q3's $50 ends Sep 30; Q4's runs Oct 1 to 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$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
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%Oct 1 to Dec 31
Discover it: restaurants and utilities
Activate before you spend: 5% on up to $1,500 at restaurants, entertainment and utilities from Oct 1 to 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 from Oct 1 to Dec 31.
Citi Dividend cardholdersNothing counts before you enroll
Source: Citi
Bank bonuses for your paycheck
$500Open by Oct 6
Wells Fargo: $500 for $1,000 of deposits
Open Everyday Checking with the offer and get $1,000 of direct deposits within 90 days.
No Wells Fargo checking bonus in the last 12 monthsTaxable. $15 monthly fee unless $500 comes in
Source: Wells Fargo$400First deposit by Dec 31
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.
Anyone who never had SoFi direct depositTaxable. No monthly fees
Source: SoFi$325Open by Oct 26
Citi: $325 for $3,000 of direct deposits
Open Regular Checking on the offer page and get two or more direct deposits totaling $3,000 within 90 days.
New Citi checking customersTaxable. $15 monthly fee unless $250 comes in
Source: Citi$300Open by Oct 14
Chase: $300 for any direct deposit
Open Total Checking with the offer and receive one direct deposit within 90 days.
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$500Open by Sep 30
Bank of America: up to $500
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
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. Some cards get $100 on $200 or $200 on $450.
Targeted Amex cardsSome brands excluded
Source: Doctor of Credit$20Ends Nov 30
Amex Offer: $20 back at Lowe's
Add the offer, then spend $100 at Lowe's in store or on lowes.com with the card.
Targeted Amex cardsOutlets excluded
Source: Doctor of Credit$96Ends Oct 30
Amex Gold: up to $96 back on Uber One
Add the offer, then buy an annual Uber One membership with the Gold Card. The credit covers up to $96, once.
Amex Gold cards that show the offerAnnual plan only
Source: Frequent Miler$40Ends Oct 19
Amex Offer: $40 back on Airbnb Experiences
Add the offer, then spend $80 on an Airbnb Experience or Service, like a private chef or a photo shoot. Some cards get $20.
Targeted Amex cardsStays excluded
Source: Frequent Miler10%Ends Oct 11
Chase Offer: up to 10% back at Kroger
Add the offer, then pay at Kroger or a Kroger-owned store with the card. On a Chase Freedom it adds to the 5% on groceries.
Targeted Chase, Wells Fargo and U.S. Bank cardsUp to $9 back. Some cards get 5%
Source: Doctor of Credit5%Ends Oct 18
Chase and U.S. Bank: 5% back on Emirates
Add the offer, then pay Emirates directly. Up to $100 back.
Targeted Chase and U.S. Bank cardsOne use
Source: Doctor of Credit$10Ends Oct 31
Citi Offer: $10 back on $30 of Uber
Add it in Citi Offers, then spend $30 on Uber or Uber Eats with the card.
Citi cardholders
Source: Doctor of Credit
Gift card deals this week
$20Buy by Oct 3
ShopRite: $20 off with $150 of Visa gift cards
Buy $150 of Visa or Mastercard gift cards in one trip with your Price Plus card, then take $20 off an order from Oct 4 to 10.
ShopRite Price Plus members, in storeGift card fees apply. One per customer
Source: ShopRite10%Through Oct 3
Dollar General: 10% off select gift cards
Take 10% off Lowe's, Domino's, Wendy's, Cracker Barrel, Dick's, Wayfair, Bath & Body Works, Ace and Burger King gift cards.
Dollar General shoppersSome stores refuse credit cards for these
Source: GCanywhere10%Through Oct 8
Safeway and Albertsons: 10% off your next shop
Clip the coupon and buy $50 of gift cards like Home Depot, Lowe's, Uber or DoorDash in one trip. You get 10% off your next order, up to $10.
Albertsons family loyalty membersDates and cards vary by store
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. No company on this list pays us, and none of these links earn us anything.
With your own cards
Every offer, on the right card
It finds the offers waiting on your Amex and Chase cards and picks the card that earns the most with each. Chase offers go on in one click. Amex asks you to add its own, so we line them up for a tap each. You hear before one expires.
Bank bonuses worth the effort
Banks often pay a few hundred dollars for moving money you already have, like your paycheck. We check the current terms, the fees and the deadline, so you only open the ones that pay.
Gift cards at your top rate
When a card pays extra at one kind of store, gift cards bought there for places you already shop can earn it too. We only suggest it when your card's terms allow it and you will use the gift card within weeks.
$9a month for CardReply. One $10 offer covers it.
Being built now. Pilot members get it first.
Join the pilotCompare
Nobody pays us to pick your card.
Most card sites and apps earn a fee from the bank when you are approved for a card they suggest. Here is how CardReply compares, quoting their own disclosures.
| Tool | Paid by the bank when you get a card? | Can that money change what you see? | Needs your bank login? | Price |
|---|---|---|---|---|
| CardReplyCard app | Never | No | No | Free tools, $9 a month |
| Credit Card MaxCard bot | Not stated | Not stated | No | Free bot |
| Credit KarmaCard app | Yes | Not ruled out | Credit reports | Free |
| NerdWalletCard site | Yes | Placement, yes | Optional | Free |
| The Points GuyCard site | Yes | Yes, order too | No | 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 card number, a password or a statement.
Chats are not stored
We answer and keep nothing. The free calculators run in your browser.
No ads or trackers
No analytics, no cookies and no selling data.
Independent
No card issuer or AI company pays us. No commissions.
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. Explore the website preview while we build the native connections.
See the connector experience- MuseMetaIn development
- Grok BotSpaceXAIIn development
Straight answers
Ask us anything. Here's what people ask first.
Is it live yet?
The website chat and free calculators work now. The chat uses AI and our card tools with a sample wallet. Found money, the offer and deal finder, is being built, and we are opening a 20-person pilot as we develop it and the connections to your assistants.
How does it find money back?
It finds the offers on your Amex and Chase cards and picks the card that earns the most with each. Chase offers go on in one click, in your own browser. Amex's rules say you add its offers yourself, so we line them up for a quick tap. It also looks for bank bonuses and gift card routes, and checks each one against your card's terms. Your passwords never reach us.
How much will it find?
For someone with a few cards, offers are usually worth tens of dollars a month. That 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.
How do you make money?
The planned membership is $9 a month or $79 a year. The website tools and sample chat are free. No card commissions, no ads, no selling data. When we say a card is worth getting, we earn nothing from it.
Are the numbers right?
The result cards come from tested calculators. The AI explains those results. The chat uses a sample wallet; 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. This site has no bank connection, inbox access or statement upload, and never needs a card number or password.
Which assistants will it work in?
Muse and Grok Bot. We are developing these connections together. The website is a working preview; the connectors are not listed in their directories yet.
Can it remind me before a deadline?
Deadline reminders are planned for the connector. They are not running on this website yet. The bonus calculator shows the time and spending needed right now.
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.
The pilot
20 spots. $9. One month.
Help shape a card companion around the decisions you actually make.
- Found money first: offers and deals that can cover the membership
- Bonus pace, cheat sheet and renewal plan
- Details agreed by email before any charge