We track every sign-up offer vs. its all-time high — so you know exactly when to apply.
Peak Points was born out of a simple frustration: there was no easy way to know whether the credit card bonus being advertised right now was actually a good deal — or whether it had been 40% higher just three months ago.
Most people apply for credit cards at random. They see an ad, they apply, and they collect whatever bonus happens to be on offer that day. But sign-up bonuses fluctuate constantly — sometimes dramatically. The same card that offers 60,000 points today might have offered 100,000 points last quarter.
That timing gap is worth hundreds — sometimes thousands — of dollars in free travel. Peak Points exists to close it.