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Chasing a $200 card bonus while carrying debt can cost more than the bonus is worth

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A scenario analysis examines opening a no-annual-fee cash-back card for a $200 welcome bonus while still carrying $4,100 on an 18.9% APR card. Spending $500 to trigger the bonus, with the new card paid only at its minimum, is shown to leave the author paying $385.51 more overall than the baseline of keeping the $230 monthly payment on the old card. Larger spending on the new card makes the cost worse, as interest on the leftover balance outweighs the bonus, and the 0% intro period does not prevent this. The bonus only comes out ahead if the spending was already planned and the new card is paid in full each month from funds that spending would otherwise have used.

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