Stack planner: maximize your bonus stack.
Tell us how much you can deploy and how long you can lock it up. We'll return the combination of sign-up bonuses that earns you the most total dollars — sorted by which to claim first, and showing the capital each one ties up.
Last updated:Your stack
Why stack at all?
Most "best bonus" lists just rank by headline dollar amount. That works fine if you only plan to chase one offer. But the real money in bonus chasing comes from running several at once with separate slices of capital, because:
- Banks won't pay you the bonus twice, but they don't care if you simultaneously qualify for a different bank's bonus.
- Brokerages similarly let you stack a Robinhood signup with a Webull signup with a Moomoo signup with a Public signup.
- Cashback and survey signups stack on top because they don't tie up meaningful capital.
The constraint is your time and your willingness to manage multiple new accounts. Once you can handle 4–6 simultaneous bonuses, the math compounds quickly.
Example: $5,000 capital, 90-day hold
Click "Build my stack" with the defaults above to see a working example. A typical $5k / 90-day plan might layer a Chase $300 bonus, a Huntington Perks $400 bonus, plus a Webull brokerage bonus on a small slice, plus instant Robinhood and Public stock — netting $700–$1,100 total against a maximum 90-day window. That's a 30–45% annualized return on capital, far beating any HYSA.
Frequently asked
How is the recommended stack ordered?
By effective APR descending. The first bonus in the list is the highest-return-per-dollar-of-capital offer you can qualify for given your hold-time limit. Instant bonuses appear separately at the bottom because they don't compete for capital.
What if the planner recommends two bonuses from the same bank?
Most banks won't pay their bonus twice within 12–24 months. The v1 planner doesn't account for this; you may need to manually skip a duplicate-institution row. We will flag same-institution conflicts in v2.
Does the planner consider taxes?
Not yet — recommended dollars are pre-tax. Sign-up bonuses are typically miscellaneous income; at a 22% federal bracket, your real take-home is about 78% of the displayed total. We'll add an optional after-tax mode in v2.
Why is the "Capital" slider's $X gone after one bonus?
Because each bonus's minimum deposit is treated as committed capital for the duration of its hold period. If you deploy $5,000 into a Huntington Platinum bonus that requires $25,000, that bonus is greyed out. The planner assumes you can't simultaneously meet conflicting deposit requirements from the same dollar.
Is greedy allocation optimal?
For nearly every realistic capital tier, yes. The cases where greedy underperforms are constructed problems — three bonuses where slightly suboptimal allocation lets you fit a fourth. In practice these are rare and the dollar differences are tiny. We may add a dynamic-programming solver in v2 for the perfectionists.