Low spend, big bonus
These offers are easier to reach and still give a lot of points.
Visual offer comparison
Points vs spend.
With the fee in plain sight.
This page makes the welcome-offer tradeoff visual: required spend stays on the X-axis, while the Y-axis shows the raw welcome bonus in points or miles. Bigger bubbles mean higher annual fees.
How to read it: the sweet spot is generally toward the top-left — bigger offers with lower required spend. The best raw bonus-to-spend offers rise toward the top-left, while bubble size keeps the annual fee visible.
Bubble chart
Points vs spend graph
Amex
Chase
Capital One
Citi
Bank of America
Other
Bubble size = annual fee
Best offer angles
One graph, three ways to spot a winner.
Fee-adjusted value
Switch to net Year 1 value to let the annual fee and advertised credits influence the picture.
Value per $1 of required spend
The table below surfaces which cards turn each required spend dollar into the most bonus value.
Offer efficiency table
Best bonus economics at a glance.
| Card | Bonus | Spend | Annual fee | Bonus value | Net offer | Value / $1 spend |
|---|
Net offer = welcome bonus value + advertised annual credits − first-year annual fee. It is still a best-case view because credits are shown at their full advertised amount.