Premium travel credit card, angled on dark
150k points — all-time high
91Sapphire Preferred · ends in 6 days
▲ 288 · 12 approved · 5h
All-time high · 150,000 pts · ends in 6 daysThe spreadsheet,
The spreadsheet,
but it knows your dates.
Sapphire Preferred is at 150,000 points — the first time it has cleared 100k in 24 months. You are at 4/24, your 48-month clock cleared on Jun 12, and your oldest card falls off Nov 2. Because all three were already in the app, the alert reached you 90 seconds after the number on the application page changed.
0 in the Credit cards room0 people told to wait last month
Premium travel credit card, angled on dark
All-time high
Sapphire Preferred
Travel bank · public application page, no referral required
150,000$1,950 at 1.3¢
$6,000in 3 months
$95annual fee
5/24rule applies
Offer closesDay 18 of 24 · never announced
06days
00hrs
00min
Your 5/24 count4 of 5 · one slot open
48-month family clockCleared Jun 12, 2026 · 53 days ago
2/30 velocityLast approval Jun 14 · clear
Next slot returnsNov 2, 2026 · 90 days
“Take it. Don’t wait for the Ink to finish.” You’re at four, so applying today costs the Nov 2 roll-off nothing. The real constraint is spend — the Ink still wants $4,900 in 41 days, and the Sapphire puts $6,000 on top of that.
The card desk
ATH
Sapphire Preferred 150,000 — public link, no referral needed
All-time high · day 18 of 24 · closes Aug 10
What you have now
A forum thread and a spreadsheet you update on Sundays.
The sheet is right on Sunday night and stale by Wednesday. The thread is 4,100 posts long and the answer to your question is on page 87. Meanwhile the 150k opened at 06:12 on a Saturday in July and closes 24 days later, and nobody emailed you about either end of it.
41rows in the median churner's sheet9 of them are dead cards
3 daysmedian staleness of a hand-updated sheetit is always Wednesday
24 daysthe whole life of the 150k offerday 18 of 24 as you read this
$1,251median minimum-spend shortfalldiscovered on day 84
The killer feature
Your 5/24, to the day
Four slots used, one open, and the exact date the fourth comes back. The dial is twenty-four months wide — which means the tick where a card enters is the same tick where it leaves. Enter your dates once and every eligibility question you have ever asked a forum answers itself.
4/5under 5/241 slot open
Slot 4 returns Nov 2, 202690 days · the Venture X leaves the window
1
Venture X
Opened Nov 2, 2024 · 75,000 mi
Nov 2, 202690 days
2
Boundless hotel card
Opened Feb 18, 2025 · 3 free nights
Feb 18, 2027198 days
3
Airline co-brand, plus
Opened Jun 9, 2025 · 70,000 mi
Jun 9, 2027309 days
4
Gold charge card
Opened Jan 22, 2026 · 90,000 pts
Jan 22, 2028536 days
5
Open today
And a second one on Nov 2, when the Venture X leaves the window.
In your wallet, not in the count
Ink Business Preferred · Jun 14, 2026
Business card from the travel bank — never reports to your personal file
Store card, home improvement · Sep 14, 2025
Retail card from a different bureau puller — reports, but not to the 5/24 issuer
“Don’t take the Venture X refresh. It’s your Nov 2 roll-off.”
Product-changing it keeps the account age and the roll-off date. Closing and reapplying resets the tick to today and costs you a slot until Aug 2028. That distinction is worth about $1,950 to you this quarter.
Put your dates in once. Never do this math again.
Paste your sheet and Goatavo maps the columns. No credential linking, no login scraping, and a delete button on every field it holds.
The rules engine
Six clocks, all running at once
Every issuer rule that can deny you, written out with where you actually stand against it today. Green means it is not blocking you. Amber means it constrains the plan — a rule, a velocity window, an inquiry you cannot spare.
5/24Five new personal cards in 24 months
The travel bank auto-declines at five, no exceptions, no reconsideration line worth calling. Business cards from most issuers don't add to the count — but you still have to be under it to get approved for one.
You are at 4. Slot five is open today; slot four returns Nov 2, 2026.
2/30Two approvals in 30 days, same issuer
Apply twice inside 30 days at the travel bank and the second one sits in a 7-to-10-day review, then gets denied. It is a rolling window, not a calendar month.
Last approval Jun 14, 2026 — the Ink. Nothing pending. Clear.
1/5One card every five days
Soft velocity rule at the same issuer. It rarely denies outright — it puts you in review and burns a hard pull for nothing.
Clear. 51 days since your last application there.
48moOnce per product family, 48 months
You cannot take the Sapphire bonus again until 48 months after the last one posted — and you must not be holding a card in the family when you apply.
Your last Sapphire bonus posted Jun 12, 2022. Eligible since Jun 12, 2026 — 53 days ago.
2/90Two credit cards in 90 days at the charge issuer
Five credit cards total, ten charge cards total. Separate from the once-per-lifetime language on the welcome offer, which is enforced by a pop-up before you submit.
The Gold you opened Jan 22, 2026 is a charge card, so it never touched the 2/90. Both credit-card slots are free.
Chex 5/12Five deposit-account inquiries in 12 months
Banks pull ChexSystems, not your credit file. Regionals and credit unions stop opening accounts around five inquiries; the national banks mostly don't care.
You are at 3 of 5. The regional $400 and the credit union $300 each cost a hard pull — take both and you are at 5.
The planner reads all six at once. When two rules disagree — the 150k is live now, but your fourth slot returns in 90 days — it shows you the arithmetic rather than a recommendation: applying today costs the Nov 2 slot nothing, because you are at four, not five. Read what to do with the points on the points and award travel page.
Live public offers
Every offer, with the rule note attached
Bonus, cash value at the transfer rate that is actually live, minimum spend, the window, the annual fee, and the one rule that decides whether you can have it. Two of these six are at all-time highs today. One is targeted at 175,000 while the public link sits at 80,000 — apply through the public link and you burn your once-per-lifetime for 95,000 fewer points.
2 at all-time high1 targeted only
Premium travel credit card, angled on dark
All-time high
Sapphire Preferred
Travel bank
150,000 pts$1,950
Minimum spend$6,000 / 3mo
Annual fee$95
Earn rate3x dining · 2x travel · 1x everything else
Offer window6 days
5/24 applies
Last peak: 100,000 on Mar 2, 2026, and it held for 62 days.
goat says Take it. Your 48-month clock cleared Jun 12 and this uses your open slot without touching the Nov 2 roll-off.
Metal charge card, edge-lit on dark
Targeted only
Platinum charge card
Charge issuer
175,000 pts + $200$2,310
Minimum spend$8,000 / 6mo
Annual fee$695
Earn rate5x airfare booked direct · 5x prepaid hotels
Offer windowcheck daily
Once per lifetime
Targeted only. 3 of 41 people who checked today are seeing it.
goat says Check the offer tool daily and check it logged out. The public link is 80k and applying through it burns your once-per-lifetime.
Business credit card on desk surface
Ink Business Preferred
Travel bank
120,000 pts$1,560
Minimum spend$8,000 / 3mo
Annual fee$95
Earn rate3x on the first $150k in travel, shipping, internet and ads
Offer window22 days
Doesn't report to personal
Back to 120k on Jul 29 after nine days at 90k. It has not gone above 120k.
goat says You are already holding this one — $3,100 of the $8,000 posted, 41 days left. Your problem here is spend, not eligibility.
Metal travel card with credits, on slate
Venture X
Miles issuer
90,000 mi$1,620
Minimum spend$4,000 / 3mo
Annual fee$395
Earn rate2x everything · 10x hotels booked in the portal
Offer windowongoing
Effective $95 after credits
90k is the standing offer. 100k appeared for 11 days in Feb 2026 and has not returned.
goat says Wait. This is your oldest card and it rolls off Nov 2 — burning a slot on the same issuer now costs you the roll-off.
Hotel co-brand credit card
All-time high
Boundless hotel card
Hotel chain
5 free nights$2,000
Minimum spend$5,000 / 3mo
Annual fee$95
Earn rate6x at the chain · free night each year at 35k
Offer window14 days
All-time high. The 4-night version ran 340 of the last 365 days.
goat says The issuer values 5 nights at $2,000. Nights cap at 50,000 points and the four properties you book in Austin run 32,000–38,000 a night, so goat scores it at $1,450.
Airline co-brand credit card, angled
Airline co-brand, plus
Legacy carrier
80,000 mi + companion$1,240
Minimum spend$4,000 / 3mo
Annual fee$150
Earn rate2x on the airline · free checked bag for you and five others
Offer window31 days
80k plus companion, third appearance in 2026. Previous two ran 29 and 36 days.
goat says The companion certificate is the real money — $412 median realized value across 1,180 community redemptions.
In the feed
A card bonus is ranked against an air fryer.
Cards, bank bonuses, clearance, drops and award seats share one card shape and one value score, so the 150k and the $17.98 Ninja land in the same feed and get compared honestly. The score is a number, not a color claim — only a discount percentage earns a colored badge.
Metal charge card, edge-lit on dark
175k + $200 statement credit
94Platinum · check your CardMatch
▲ 512 · 31 approved · 1d
Business credit card on desk surface
120k after $8k spend, no 5/24 hit
88Ink Preferred · doesn't report personally
▲ 197 · 9 approved · 3d
Bank welcome-bonus letter and debit card
$900 for a checking + savings pair
86Direct deposit $6k in 90 days
▲ 341 · 44 approved · 2d
Why the alert is the product
Above 100k for 24 days in two years
Here is the public Sapphire offer, month by month, for twenty-four months. It sits at 60,000 for fifteen of them. Four times it climbed — 75k, 80k, 90k, 100k — and each of those came back down. Once, right now, it went to 150,000, and that run is 24 days long start to finish. Open the forum on the wrong Saturday and the whole window is behind you.
Sapphire Preferred · public offer24 months · Sep 2024 – Aug 2026
offer levelall-time highMedian over the 24 months: 60,000
5peaks above 60,000 in 24 monthsthey ran 28, 34, 45, 62 and 24 days
90 secmedian alert latencychange to push notification
4 minpoll interval on the offer pagethe integer is diffed, not the copy
Every peak, and how long it lasted
since Nov 2024150,000ATH
Jul 18, 2026day 18 of 24 · $6,000 / 3mo
Public link, no referral required. No other peak in this table came within 50,000 of it.
100,000
Mar 2, 202662 days · $5,000 / 3mo
Ended two days early without notice. 41 people posted a same-day denial after the pull.
90,000
Aug 12, 202545 days · $4,000 / 3mo
Branch-only for the first 11 days. The public page still showed 60,000.
80,000
Mar 6, 202534 days · $4,000 / 3mo
Stacked with a 30% transfer bonus to the hotel program for its last 9 days.
75,000
Nov 5, 202428 days · $4,000 / 3mo
The standing 60,000 returned Dec 3 and stayed for 63 days.
Who tells you, and when
Measured from the moment the number on the application page changed.
Goatavo alert90 seconds
The push fires off the diff itself, not off a person noticing.
The forum thread3h 41m
Someone has to notice, post, and survive the first four replies asking if it's targeted.
Points blogs11h 20m
Publication waits for the affiliate link to go live. Sometimes it never does.
Issuer email6 days
If it arrives at all. Two of the last five all-time highs were never emailed.
The last five peaks ran 24 to 62 days.
You will hear about the next one on day one of it, with your own eligibility already computed — not on the day a blog gets its affiliate link approved.
Minimum spend
It tells you which purchase to put where
$8,000 in 90 days is easy until day 51, when the card says $3,100, your 30-day average says $89, and the arithmetic says you land $1,251 short. Goatavo warns you the day your projected pace first falls behind — not on day 84 — and then it routes the purchases you were already going to make.
Minimum spend
Ink Business Preferred
Opened Jun 14, 2026 · deadline Sep 14, 2026 · 120,000 pts worth $1,560
41days left
$3,100posted so far
$4,900still to go
$119.51needed per day
$89your 30-day pace
If nothing changes, at your 30-day pace$6,749 on day 41 · $1,251 short
With the Home Depot flooring routed here instead$9,149 on day 41 · clears by $1,149
postedrouted by goatyour paceshortfallthe $8,000 line
Where goat puts the next five purchases
Flooring, Home Depot · order #H4109-8822$2,400Ink Business Preferred
Puts you over the $8,000 on day 29 of 41, with 12 days to spare. The 5% store card would pay $120 — the bonus is worth $1,560. Put it here, not there.
Business insurance renewal$1,180Ink Business Preferred · pay Aug 19
It autopays Sep 1, one day before the flooring would have taken you over anyway. Pay it Aug 19 instead and the cushion lands first, in case the grocery pace slips.
Quarterly estimated tax$4,000Hold. Do not route here.
The processor fee is 1.82% — $72.80 — and you no longer need the spend once the flooring posts. Save it for the Sapphire window that opens the day you're approved.
Groceries, H-E-B · ~$340/wk$1,360 / moGold charge card, 4x
Leave it. 4x on groceries is 4,080 points a month you don't get by chasing Ink spend the flooring already covers.
Costco run · ~$210/wk$840 / moVenture X, 2x
The warehouse only takes one network. It's the highest earn you have that works there, and it keeps the account showing activity before the roll-off.
9:41
‹
GoatAbout your Ink minimum spend
✕Reply
⌾Which card should I put this $2,400 flooring on?
Your Ink Preferred is at $3,100 of an $8,000 spend with 41 days left — put it there and you finish the bonus. That's 120k points, worth about $1,560 at the Hyatt transfer rate that's live through Sunday. Second best is 5% at Home Depot on the store card, worth $120.
Business credit card on desk surface
120k after $8k spend
Ink Preferred · 41 days left
And when the math doesn’t work
If the gap is genuinely unclosable, goat shows the honest options with the fee attached — a 1.82% processor fee on a $4,000 tax payment is $72.80, which is worth it against a $1,560 bonus and absurd against a $120 one. It will also say plainly: eat it, close it, take the annual fee refund inside 30 days.
Bank bonuses
The ladder, with the hold period in it
A $900 checking bonus and a $1,000 brokerage bonus are not the same trade. One takes two direct deposits and no capital; the other locks $100,000 for twelve months and pays 1.0% on top of whatever the cash was already earning. Every row carries the inquiry type, what actually codes as a direct deposit there, the hold before you can close, and the capital it ties up.
| Institution | Bonus | What it takes | Window | Hold before close | Capital locked | ChexSystems |
|---|---|---|---|---|---|---|
| National checking + savings Bonus posts 15 days after the second deposit. 214 confirmations, 3 misses. | $900 | $6,000 direct deposit Payroll ACH or a $500 brokerage push both code as DD | 90 days | 6 months | $0 locked no capital at risk | Soft pull Soft pull |
| Regional checking Counts against 5/12. Skip it if you want the brokerage bonus this year. | $400 | 2 direct deposits of $500 True payroll only — pushes were denied for 11 of 14 reports | 60 days | 4 months | $0 locked no capital at risk | Hard Chex 5/12 sensitive |
| Online brokerage cash Transfer-out fee at the losing broker is $75–100 and is usually reimbursed. | $1,000 | $100k transfer in ACATS in kind counts — you do not have to sell anything | 45 days | 12 months | $100,000 for 12 months 1.0% on top of yield | No Chex |
| Credit union checking Membership requires a $5 share deposit you get back on close. | $300 | Debit card, 20 swipes 20 debit swipes, $1 minimum each — one grocery run split works | 60 days | 3 months | $0 locked no capital at risk | Hard Chex |
| Business checking Sole proprietor with an SSN accepted at 3 of 5 branches. EIN is faster. | $750 | $10,000 balance held $10,000 average balance, measured daily, not month-end | 60 days | 6 months | $10,000 for 6 months 15.0% annualized on the hold | Soft pull |
Chex is its own budget
You get roughly five deposit-account inquiries a year before the regionals stop opening. Goatavo tracks that count next to your 5/24, because they compete for the same twelve months.
Direct deposit is not one thing
At the national bank a $500 brokerage push codes. At the regional, 11 of 14 reported pushes were denied and only true payroll ACH worked. That distinction is in the row, sourced from confirmations.
The hold is the hidden cost
Close a month early and the bonus claws back. Every row has the earliest safe close date, and it goes on your calendar the day the account opens.
Lock founding-member pricingStack it with cashback$3,250 is the median first-year bank bonus total in the beta cohort.
The differentiator
Nobody pays us when you open a card
A points blog earns $250 to $900 every time you are approved through its link. That is a fine business, and it is also why the list is ordered the way it is. Goatavo has no affiliate links anywhere in the product and never will. Pro is $8 a month. That is the entire business model, and it is the only reason we can tell you to wait.
Who pays for the recommendationA points blog: $250–$900 per approval, paid by the issuerGoatavo: Nobody. Pro is $8/month and that is the entire business model.
How the list is orderedA points blog: By payout, then by whatever convertsGoatavo: By value to you, after your 5/24 count, your 48-month dates and your spend capacity.
Which offers appearA points blog: Only cards with an affiliate programGoatavo: Every public offer, including the seven issuers that have no affiliate program at all.
When it publishesA points blog: When the affiliate link goes liveGoatavo: 90 seconds after the number on the page changes.
Will it tell you not to applyA points blog: Structurally, noGoatavo: It told 1,412 people to wait last month. 906 of them were 9 weeks from a roll-off.
Referral linksA points blog: The author's own, usually undisclosedGoatavo: Yours. If a friend's referral beats the public offer, goat says so and hands us nothing.
It will hand you to a friend
Two people in your circle still hold a Venture X referral link at 100k — the level the public offer ran at for eleven days in February and hasn’t returned to since. The public page says 90k. goat points you at the referral and shows you whose. We get nothing from that.
It will tell you the offer is bad
The issuer prices five free nights at $2,000, and the tile shows you that number. It also shows you goat’s: the nights cap at 50,000 points each and the four hotels you actually book in Austin run 32,000–38,000 a night, so the honest figure is $1,450. An affiliate page has no reason to ever do that arithmetic.
0in the Credit cards room
6issuer clocks tracked to the day
$0paid to us per approval, forever
$4,120median first-year card bonus value in beta
The people already doing this
Everyone here used to own a spreadsheet
Six years of application dates, a Chex column nobody trusted, and a 48-month clock they were guessing at from memory. These are the people who move first when the number changes.
“It knew my 5/24 dates and told me to hold. The 150k landed nine days later. That's the whole product.”
st
statement
Points obsessive · Chicago, IL
412k points earned96% accurate
“My sheet had 41 rows and three conditional-format rules I didn't trust. The minimum-spend column was always three days stale because I updated it by hand on Sunday nights.”
tw
twoslash24
Churning since 2019 · Denver, CO
$4,880 in bonuses94% accurate
“It told me the regional was 5/12 sensitive and that I was at 3. I skipped the $400, took the $900 soft-pull instead, and kept the inquiry for the credit union in November.”
ch
chexmix
Bank bonus hunter · Raleigh, NC
$2,900 in bank bonuses97% accurate
“The part I didn't expect: it plans my wife's applications against mine, so we never burn a slot on the same product family in the same quarter.”
so
sockdrawer
Two-player mode · Portland, OR
9 approvals, 0 denials92% accurate
“$8,000 in 90 days used to mean prepaying the electric bill in a panic on day 84. Now it routes the flooring, the insurance and the tax payment and I stop thinking about it.”
mi
minspend
Small business, big spend · Tampa, FL
6 bonuses cleared95% accurate
“The hold-period column alone was worth it. I have never once remembered a hold period correctly, and I have closed two accounts early because of it.”
on
onelastpull
Recovering spreadsheet owner · Boise, ID
$1,900 this year90% accurate
Sapphire Preferred · 150,000 · ATHInk Business Preferred · 120,000 · no 5/24 hitPlatinum · 175,000 + $200 · targetedBoundless · 5 free nights · ATHVenture X · 90,000 · standingAirline plus · 80,000 + companionNational checking · $900 · soft pullBrokerage cash · $1,000 · $100k / 12moBusiness checking · $750 · 15.0% annualizedCredit union · $300 · 20 swipes
After the approval
The bonus is the easy half
150,000 points is a number until you turn it into a seat. These three pages are the rest of the loop.
Next
Points & award travel
Transfer partners, the 30% bonus that is live through Sunday, and the ANA business seats at 60k round trip that make the 150k worth $1,950 instead of $1,500.
Tokyo in business for 60,000Stack
Cashback & coupons
Gift cards at 9.4% off, the portal that pays 12% instead of 6%, the tested code, then the card. In that order, the $200 cart costs $70.20.
65% off a $200 cartMechanics
How the alert works
One rule shape for a product, a store, a drop, an award seat or a bonus integer — plus a dry run that shows what you would have caught last week.
3h 39m ahead of the forumBefore you join
The questions this room actually asks
Where do the application dates come from?+
You enter them once, or you paste your existing spreadsheet and Goatavo maps the columns. There is no credential linking and no screen scraping of your issuer login. If you'd rather connect a read-only feed you can, and the Me tab shows every field it holds with a delete button beside it.
Does it count business cards toward 5/24?+
No, with the exceptions marked per issuer. Business cards from the travel bank, the charge issuer and one of the two miles issuers do not report to your personal file, so they don't add to the count — but you still need to be under 5/24 to be approved for them. Two issuers do report, and those cards show a 'counts' flag on the card tile.
How fast is the all-time-high alert, really?+
The application page is polled every four minutes and the bonus integer is diffed against the last value. Median from change to push notification in the beta was 90 seconds. The forum thread's median was 3 hours 41 minutes, and the blogs' was 11 hours 20 minutes because they wait for the affiliate link.
Do you get paid when I open a card?+
No. There are no affiliate links anywhere in the product and there never will be — that is the entire reason this page exists. Pro is $8 a month. When your friend's referral beats the public offer, goat tells you to use the referral, which pays us nothing.
What about ChexSystems and bank bonuses?+
Every bank bonus in the ladder carries its inquiry type, whether it counts against a 5/12-style rule, what actually codes as a direct deposit at that institution, the hold period before you can close, and how much capital it locks. Your inquiry count is tracked alongside your 5/24 count because they compete for the same year.
Can it handle two players?+
Yes. Player two gets their own dates, their own counts and their own eligibility clocks, and the planner won't put you both on the same product family in the same quarter. Referral-then-apply ordering is worked out for you — it's usually worth 15,000 to 20,000 points a year.
What happens when I miss a minimum spend?+
You get warned on the day your projected pace first falls short, not on day 84. If the gap is unavoidable Goatavo shows you the honest options — a manufactured-spend route with the fee math attached, or eating it — and it will say plainly when the fee costs more than the bonus is worth.
Is this really just a spreadsheet?+
It's the spreadsheet you already keep, except it reads the offer pages itself. Your columns don't change — the application dates, the roll-off dates, the minimum-spend cell. What changes is who fills them in, and whether the six issuer rules are checked against them the day one of the numbers moves.
Still specific? Ask goat “which card should I put this on?” — it answers with your dates, not a listicle.
Launching this fallThe 150k is at day 18 of 24.
The 150k is at day 18 of 24.
Be early on the next one.
Join the launch list and your 5/24 dates, 48-month clocks, Chex count and minimum-spend deadlines get imported on day one — with an all-time-high alert that lands about three and a half hours ahead of the forum thread.
- ✓Every clock tracked to the day
- ✓No affiliate links, ever
- ✓Founding-member pricing, locked
0 already in line