The bank-bonus site that shows the math.
Every headline bonus you see advertised - "$400!", "$1,000!" - is dishonest without context. A $1,000 bonus that requires $250,000 held for 90 days is a 1.6% APY. A $200 bonus for rerouting a paycheck is infinite. Churnables exists to translate all of them into one number you can compare fairly.
Dated checks, not a promise
Every row carries the date its terms were last read on the provider's own page, and rows older than 30 days are flagged as needing a re-check. That date is the claim, so you can judge freshness yourself instead of trusting a schedule.
Effective APY, not vibes
The single number that puts every locked-balance offer on the same shelf.
Personally used
Every bonus link is one currently in use, sourced from a personal inbox - not scraped from search results.
Built to share
Every bonus has a shareable deep link and copy-as-markdown output tuned for r/churning and r/personalfinance.
How this site pays for itself
Most of the sign-up buttons here are personal bonus links. If you open an account through one, the bank usually pays Churnables a bonus, and in most programs you get the same or a larger bonus than you would going direct. Nothing on this site is a paid placement: no bank, network, or agency has ever paid to appear, to rank higher, or to have a negative note removed. Offers that pay Churnables nothing at all still sit at the top of the board when the math says they belong there.
How an offer gets verified
- The offer is read off the bank's own terms page, not a press release or an aggregator summary.
- Required balance, hold period, direct-deposit definition, and posting window are recorded as written, including the fine print that kills most bonuses.
- Effective APY is computed from those numbers: bonus divided by the money you must park, annualized over the days it has to sit.
- The row gets a check date. When a re-check finds changed terms, the row is updated or pulled and the date moves with it.
Corrections
Terms change constantly and mistakes happen. If a number here is wrong, write to churnables@gmail.com with a link to the bank page and it gets fixed. Always confirm the terms on the bank's site before you move money. This is information, not financial advice.
Have an offer we missed?
Churnables is opinionated but not exhaustive. If a bonus should be on the board, tell us. If a rate has changed, tell us. Read the methodology first so we speak the same language.