Every new card has a minimum spend and a clock. ArcList tracks how much you have left — and how many days you have to spend it — across all your cards, and your partner's too.
Free. No bank login, no card numbers.
A minimum spend requirement (MSR) is the amount you have to charge to a new card — usually within 3 months — to earn its signup bonus. Spend $4,000 in 3 months, get 60,000 points. Miss it by a dollar or a day, and the bonus is gone.
It gets hard fast when you're working two or three bonuses at once, each with its own target and its own deadline. One slipped date can cost you a bonus worth hundreds of dollars.
Set the target and date once. $4,000 by March 15 — logged.
Log spend as you go. See the bar fill and the "left to spend" number drop.
Get warned before the clock runs out. A nudge when a deadline is close and you're behind pace.
No linked bank account. You tell us what you've spent — we do the math and the countdown.
Couples and two-player households run bonuses in parallel — which means twice the targets, twice the deadlines, and twice as easy to lose track. Link your partner's account and ArcList pools both sides into a single view.
Link once. Send a partner invite; both accounts share a pooled bonus view.
See every bonus side by side. Your MSRs and your partner's together — each with its own progress, spend left, and deadline.
Catch the one falling behind. Spot which player needs to shift spend before a deadline slips — across the whole household.
Pool what matters — bonus progress, perks, miles — without sharing card numbers or statements. You each stay private where it counts.
Signup bonuses are the entire reason to churn. The spend is the easy part — remembering all the targets and deadlines at once, across two people, is what trips households up. ArcList keeps every bonus on pace so the work you already did actually pays out.
We remember so you don't have to.