Churnables
58 of 58 bonuses

All bonuses, sorted by effective apy

1
Business

Bank of America

Business Advantage Banking
Up to $750
30.4% APY

Hold $5k ($400) or $15k ($750) ~60 days.

Ease 4/10 · ~60 daysNo expiration
Hold balance
DetailsClaim →
2
Business

U.S. Bank

Platinum Business Checking
$1,200
29.2% APY

Hold $25,000 new money 60 days + 6 qualifying transactions.

Ease 3/10 · ~30 days afterAug 30, 2026
Hold balance
DetailsClaim →
3
Business

Axos

Basic Business Checking
Up to $200
16.2% APY

Hold $3,000 avg · $50 per cycle · code START200.

Ease 6/10 · per cycleAug 30, 2026
Hold balance
DetailsClaim →
4
Savings

TD Bank

Signature Savings
$200
6.6% APY

Hold $10,000 for 90 days (fund within 20).

Ease 5/10 · ~90 daysJul 30, 2026
Hold balance
DetailsClaim →
5
Savings

Bask Bank

Mileage Savings
20,000 AA miles (~$280)
2.3% APY

Hold $50,000 average balance for 90 days.

Ease 3/10 · after 120 daysAug 31, 2026
Hold balance
DetailsClaim →
6
Savings

Barclays

Tiered Savings
$200
2.0% APY

Hold $30,000 for 120 days.

Ease 4/10 · ~60 days afterJul 31, 2026
Hold balance
DetailsClaim →
7
Brokerage

J.P. Morgan

Self-Directed Investing
Up to $1,000
1.6% APY

Fund new money, tiered. Top tier needs ~$250K held 90 days.

Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balance
DetailsClaim →
Checking• Referral live

SoFi

Checking & Savings
$50 – $400
No lock

Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.

Ease 8/10 · 2–4 weeks after DD postsDec 31, 2026
Direct deposit
DetailsClaim →
Checking

Chase

Total Checking
$400
No lock

Direct deposit $1,000 within 90 days of opening.

Ease 7/10 · ~15 days after DDEnds in 8d
Direct deposit
DetailsClaim →
Checking

Capital One

360 Checking
$250
No lock

Two direct deposits of $500+ in 75 days. Code CHECKING250.

Ease 7/10 · ~60 daysNo expiration
Direct deposit
DetailsClaim →
Checking

Bank of America

Advantage Banking
Up to $500
No lock

Direct deposit $2k / $5k / $10k for $100 / $300 / $500.

Ease 6/10 · ~60 daysSep 30, 2026
Direct deposit
DetailsClaim →
Checking

PNC

Virtual Wallet
Up to $400
No lock

Direct deposit $500 / $2k / $5k for $100 / $200 / $400.

Ease 6/10 · 60–90 daysAug 31, 2026
Direct deposit
DetailsClaim →
Checking

Fifth Third

Momentum Checking
$350
No lock

Direct deposits totaling $500+ within 90 days.

Ease 7/10 · ~10 business daysNo expiration
Direct deposit
DetailsClaim →
Business

Grasshopper

Business Checking
$300
No lock

Qualified first deposit of $100+.

Ease 8/10 · after qualifyingNo expiration
Direct deposit
DetailsClaim →
Checking

Upgrade

Rewards Checking
$200
No lock

3 debit card purchases. No direct deposit required.

Ease 9/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Suncoast Credit Union

Member Checking
$100
No lock

New member checking + qualifying activity. FL eligibility required.

Ease 5/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Securityplus FCU

Checking
$50 Amazon GC
No lock

Open checking + qualifying activity.

Ease 8/10 · after activityNo expiration
Direct deposit
DetailsClaim →
Checking• Referral live

Oregon State CU

High-Rate Checking
Up to $600 / yr
No lock

Qualifying debit activity + eStatements for elevated APY tier.

Ease 6/10 · monthly interestNo expiration
Direct deposit
DetailsClaim →
Brokerage• Referral live

Moomoo

Brokerage + Cash Sweep
Up to $1,000 in NVDA
Match

Tiered NVDA shares by deposit + 8.1% APY sweep on cash.

Ease 6/10 · variesNo expiration
Referral / match
DetailsClaim →
Brokerage

Public

Investing
$20 + 1% match
Match

$20 per referral · 1% uncapped transfer match.

Ease 8/10 · after depositNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

Chase Sapphire Preferred

Credit Card
Up to 100,000 pts (~$1,250)
Match

Spend $5,000 in first 3 months. Points valued at 1.25 cpp.

Ease 6/10 · after spendNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

United MileagePlus

Credit Card
60,000 miles (~$750)
Match

Spend $3,000 in first 3 months.

Ease 7/10 · after spendNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

BILL Divvy Card

Business Card
Rewards bonus
Match

Approved business card + first spend.

Ease 5/10 · after spendNo expiration
Referral / match
DetailsClaim →
Business• Referral live

Associated Bank

Business Checking
Referral bonus
Match

Open Associated business checking via referral.

Ease 5/10 · after activityNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

Discover it

Credit Card
Unlimited Cashback Match
Match

Discover matches all cash back at the end of year one.

Ease 8/10 · end of year 1No expiration
Referral / match
DetailsClaim →
Business• Referral live

Mercury

Business Banking
Referral bonus
Match

Open a Mercury business account through a referral.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

American Express

Personal Card
Welcome bonus
Match

Varies by card product.

Ease 7/10 · after spendNo expiration
Referral / match
DetailsClaim →
Brokerage• Referral live

Robinhood

Brokerage / IRA
Free stock + 3% match
Match

Free gift stock + 3% IRA transfer match with Gold.

Ease 9/10 · variesNo expiration
Referral / match
DetailsClaim →
Brokerage• Referral live

Webull

Brokerage / IRA
Up to $160 + 12 shares
Match

First deposit $1,000+ (paid in installments), or 3% IRA match.

Ease 7/10 · installmentsAug 15, 2026
Referral / match
DetailsClaim →
Savings• Referral live

Marcus by Goldman Sachs

Online Savings
APY boost + cash
Match

Referral link boosts your APY plus a cash kicker.

Ease 9/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Savings• Referral live

Ally Bank

Savings + Checking
Referral bonus
Match

Open a qualifying Ally account with a referral code.

Ease 9/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Associated Bank

Personal Checking
Referral bonus
Match

Open Associated personal checking via referral.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Brokerage• Referral live

Tradier

Brokerage
$99
Match

Open and fund a brokerage account.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Wise

Money Transfer
Fee-free transfer
Match

Send £500+ in first transfer.

Ease 9/10 · on transferNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Wings Financial

Credit Union Checking
$50
Match

Open Wings checking via referral + qualifying activity.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Digital FCU (DCU)

Membership
Referral bonus
Match

Join DCU + qualifying activity.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

OnPath FCU

Credit Union Checking
Referral bonus
Match

Open OnPath checking via referral.

Ease 6/10 · after activityNo expiration
Referral / match
DetailsClaim →
Credit Card• Referral live

Amazon Store Card

Credit Card
$50 Amazon GC
Match

Approved and use once.

Ease 9/10 · after first purchaseNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Origin

Financial Planning
Up to lifetime access
Match

Refer 1–3 friends for $50 Visa GCs; 3 unlocks lifetime access.

Ease 5/10 · on friend conversionNo expiration
Referral / match
DetailsClaim →
Savings• Referral live

Raisin

Savings Marketplace
High-yield accounts
Match

Sign up with the Churnables invite code + fund an account.

Ease 8/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Airbnb

Travel Credit
Travel credit
Match

New Airbnb account books a qualifying stay.

Ease 8/10 · after stayNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Affinity FCU

Credit Union
Referral bonus
Match

Join Affinity FCU via referral.

Ease 7/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Crypto• Referral live

Crypto.com

Crypto App
Highest signup bonus
Match

Stake CRO tier via referral.

Ease 6/10 · after stakingNo expiration
Referral / match
DetailsClaim →
Crypto• Referral live

Nexo

Crypto Account
Signup bonus
Match

Sign up + first qualifying deposit.

Ease 7/10 · after depositNo expiration
Referral / match
DetailsClaim →
Checking• Referral live

Albert

Banking App
Referral bonus
Match

Sign up + fund account.

Ease 9/10 · after fundingNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

inKind

Restaurant Credit
$25 dining credit
Match

Join inKind + first order.

Ease 10/10 · on joinNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Upside

Gas & Grocery Cashback
Bonus + 15¢/gal
Match

First purchase with promo code JS699.

Ease 10/10 · after purchaseNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

PFS Buyers Club

Deals Membership
Membership credit
Match

Register with referral code Q6EPKOTJ.

Ease 10/10 · on joinNo expiration
Referral / match
DetailsClaim →
Crypto• Referral live

Gemini

Crypto Exchange
Signup bonus
Match

Sign up + qualifying trade.

Ease 8/10 · after tradeNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Capital One Shopping

Browser Extension
Coupons + price compare
Match

Install and complete first activity.

Ease 10/10 · after activityNo expiration
Referral / match
DetailsClaim →
Crypto• Referral live

Coinbase

Crypto Exchange
$10 in BTC
Match

Buy or sell $100 in any crypto.

Ease 9/10 · after tradeNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

PayPal

Payments
$10 when friend spends $5
Match

Referred user spends $5 within 30 days.

Ease 10/10 · after spendNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Swagbucks

Surveys & Shopping
Signup bonus
Match

Sign up + first activity.

Ease 9/10 · after activityNo expiration
Referral / match
DetailsClaim →
Brokerage• Referral live

Acorns

Investing
$5 to start
Match

Sign up and fund your first round-up.

Ease 10/10 · immediateNo expiration
Referral / match
DetailsClaim →
Cashback & Apps• Referral live

Privacy.com

Virtual Cards
$5 card credit
Match

Sign up and add a funding source.

Ease 10/10 · after signupNo expiration
Referral / match
DetailsClaim →