LIS
Sign-up bonuses, explained
Earn the trip before you book it.
Clear, honest steps for beginners. See what every offer is really worth after fees, then pick your next move with confidence.
Fees shown firstReal results publishedFree to start
Example offer · net value
$505
After a $95 fee, with $4,000 of normal spending
Ends October 14, 2026This week's find
SoFi pays $300 to move $1,000 of crypto
The bonus is paid in a dollar-pegged stablecoin, and you have to hold the crypto for a full year. It suits people who already own it. I break it down in video one.
- $300bonus in SOFID
- $1,000+eligible crypto moved in
- 1 yearhold, Oct 15 to Oct 14
Is it right for you?
- Good fit if you already hold the crypto and would keep it a year.
- Pass if you would have to buy crypto just to qualify.
- The assets are not insured, so keep your amount comfortable.
Source: Doctor of Credit. Check SoFi's own terms before you act.
The framework
Seven levels. Each one unlocks the next.
Work through them in order. By level seven you have a repeatable system for choosing, earning and redeeming offers instead of guessing.
- 1
Map your money
Check your credit, bills and normal spending so you know what you can handle.
Unlocks: What you can safely spend - 2
Pick the right offer
Choose bonuses that are worth more than their fee for how you really spend.
Unlocks: Bonuses worth the fee - 3
Apply with a plan
Add one offer at a time. Write down the date, the deadline and the requirement.
Unlocks: A calm, trackable start - 4
Hit the spend
Put regular bills on the new card. Never buy things just to reach the number.
Unlocks: The bonus, from bills you already pay - 5
Collect and log
Confirm the points posted, then record the result in your tracker.
Unlocks: Proof of every win - 6
Redeem for max value
Turn points into flights and hotel nights at a good rate, not the first one shown.
Unlocks: Trips at a fraction of the price - 7
Repeat and compound
Use what you learned on the next offer and keep the system going.
Unlocks: A repeatable framework Track every level
Get the free Day Seven Travel tracker. It holds every offer, deadline and result in one place.
Get the tracker
Ground rules. Only chase offers you can meet with spending you already do. Pay every balance in full and on time. Interest and late fees erase a bonus fast.
Bonus optimizer
Is this offer actually worth it?
Enter an offer and see what it is worth after the fee. The starting numbers are an example. Replace them with your own.
Net value after fee
$505
Positive net value
- Bonus value
- $600
- Annual fee
- −$95
- Break-even point value
- 0.16 cents
- Net per $ of required spend
- 12.6%
Estimate only. It leaves out taxes, interest and any effect on your credit.
Destinations
Pick the place, then work backward.
A real destination makes the math feel real. Each one is a trip you could plan with Elim, my trip planning service.
HND
MLE
DPS
NAP
YYC
Tools
Free with the club
Coming soon
By request
Everything you need to get moving.
Bonus tracker
A spreadsheet that logs every offer, deadline and requirement, then shows what you actually earned.
Award search guide
A walk-through of the tools that find flight and hotel award space, and how to set alerts.
Elim trip planning
A written plan for one specific trip: what to earn, where to search and how to book it. I do not promise award seats or give personal financial advice.
Ask about a trip →
The Ledger
Proof, published as I go.
Each quarter I post what I earned, what I paid in fees and what went wrong. The table shows the format with made-up numbers until my first real quarter.
| Offer | Type | Bonus value | Fees | Net |
|---|---|---|---|---|
| Example travel card | Credit card | $600 | $95 | $505 |
| Example checking account | Bank | $300 | $0 | $300 |
| Example brokerage transfer | Brokerage | $250 | $0 | $250 |
| Sample total | $1,150 | $95 | $1,055 |
Day Seven Club
Get the framework in your inbox.
- One short email a week with the best offer, its fee and its deadline
- The offer to skip, and why
- The free bonus tracker spreadsheet
Disclosure
How I make money.
Some links on this site and in my videos are affiliate links. If you apply through one, I may earn a commission at no extra cost to you.
I tell you when an offer is not worth it, even if I could earn from it. My results and my mistakes go in the open.
This site is for education. It is not legal, tax or financial advice. Card terms, bonuses and rules change, so check the issuer's current terms before you apply.