Credit card sign-up bonuses are some of the most valuable rewards available, but only if you hit the spending requirement in time. Missing the threshold by even a small amount means losing out on potentially hundreds or thousands of dollars in rewards. Kudos automatically tracks your progress across all your cards, including custom offers, so you never miss a bonus again.
Note: Sign-up bonus tracking is a Kudos Premium feature. You'll need an active Premium or Lifetime membership to use the tracker.
Step 1: Add your cards to your Kudos Wallet
Navigate to your Kudos Wallet
Add any of your credit cards with active sign-up bonuses
Connect your card inside Kudos to enable automatic spend tracking
Tip: Set up tracking as soon as you're approved and receive your card. Don't wait until you've already started spending.
Step 2: Confirm your card's open date
Kudos uses your card's open date to know when your spend requirement window starts. If your progress isn't showing up after connecting your card, double check this is set:
Open the card in your Kudos Wallet
Under Account overview, find Card opened
Tap Set date and enter the date you were approved/received the card
Tip: Set this as soon as you add the card. Don't wait until you're checking your progress later.
Step 3: Access your tracking dashboard
Click on the card with the active bonus in your Kudos Wallet
View your real-time progress toward the spending requirement
See how much you've spent, how much is left, and how many days you have remaining
Have a custom offer? You can track that too
The offer you were approved for isn't always the public one. Targeted, referral, and in-branch offers often come with more points, a different spend requirement, or a different timeframe. You can edit your tracker so it matches your exact offer:
Open the card in your Kudos Wallet
In the Welcome offer section, click the edit (pencil) icon in the top right corner of the tracker
Enter your offer's bonus amount, spend requirement, and timeframe, then save
For the full walkthrough, including what to do if your offer combines points with a statement credit, see How do I track a custom signup bonus in Kudos?
What your dashboard shows you
Your Kudos dashboard gives you a full picture of where you stand:
Current spending progress: exact amount spent toward your requirement
Remaining spend needed: how much more you need to hit the threshold
Time remaining: days left to meet the requirement
Historical rewards: all bonuses you've earned over time
You'll also get automated alerts when you're approaching a deadline or close to hitting a threshold, so you're never caught off guard.
How the rest of Kudos helps you hit your bonus
Sign-up bonus tracking works best when paired with the full Kudos toolkit:
Smart Checkout: At checkout, Kudos recommends your new card when it's the optimal one to use, helping you naturally accumulate spend toward your requirement without overspending or changing your habits.
Explore Tool: Not sure which card to get next? The Explore Tool factors in your spending profile and existing wallet to surface cards with bonuses you're most likely to hit.
Test Drive: Before applying, Test Drive lets you see how much you'd realistically earn with a new card based on your actual spending, including whether the bonus spend requirement is achievable for you.
Card-Linked Offers: Stack your bonus progress with automatic offer activation from Amex, Chase, Citi, Bank of America, and Wells Fargo (Capital One coming soon), and earn on top of your base rewards while you work toward the threshold.
Recurring Payments: Route recurring bills and subscriptions through your new card to accelerate progress toward the spending requirement without any extra effort.
Tips for staying on track
Check your progress at least once a week. It takes 30 seconds and keeps the deadline top of mind.
Use your new card for everyday purchases (groceries, gas, subscriptions) rather than making purchases you wouldn't otherwise make.
If you're close to the deadline and short on spend, routing a recurring payment or a planned purchase through the card is the easiest way to close the gap.
Questions? Reach out anytime at support@joinkudos.com. We're happy to help.