Up to $160 + 12 shares
97.3% APY
640/hr for your time
First deposit $1,000+ (paid in installments), or 3% IRA match.
Ease 7/10 · installmentsAug 15, 2026
Bonus / matchDetails
97.3% effective APY
$1,000 committed, about 60 days
12 of 79 bonuses
Brokerage, sorted by effective apy
Filter by bank, effective APY, what the bank actually asks you to do, and how long your money is tied up. Every filter is in the URL, so you can share the exact view you built.
12 of 79 match
Type
Min APY
Min cash
Max spend
Annual fee
Requirements
Timeline
Sort by
Live offers
79
Stacked cash on the board
$22,474
Top effective APY
284%
No-lock direct-deposit offers
15
Bonus links ready to use
59
Return on the money you park
Effective APY leaderboard
Bonus divided by the cash you have to hold, annualized over the days it has to sit there.
Claim the top APY offers
WebullUp to $160 + 12 sharesMoomooUp to $1,000 in NVDAPublic$20 + 1% matchCharles Schwab$100 - $1,000J.P. MorganUp to $1,000
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars
Biggest cash bonuses
Straight payout size, before any consideration of how much money you have to move.
Claim the biggest payouts
MoomooUp to $1,000 in NVDACharles Schwab$100 - $1,000J.P. MorganUp to $1,000Public$20 + 1% matchRobinhoodFree stock + 3% matchAlbertUp to $200 in free stock
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Offers on screen
12
of 79 tracked
Cash on the table
$4,314
if you did every one of them
Average effective APY
25.9%
across offers that lock money
No money locked up
10
nothing to park, just the activity
Ranked by value to you, not by what we earn
The 8 bonuses worth doing first
Sorted on what the offer pays you, with how dependably readers get paid as the only tiebreaker. What each bonus pays Churnables is disclosed on the row and is left out of the sort entirely.
- 1Claim →Chase Sapphire 100K (Preferred or Reserve)100,000 Chase Ultimate Rewards points (good for travel partners)
The largest estimated visitor value currently ranked here, with flexible points that can transfer to travel partners.
Full Chase Sapphire 100K (Preferred or Reserve) write-upValue to you $2,000 · disclosure: pays Churnables $400 (not used in ranking) - 2Claim →Chase United Explorer60,000 United MileagePlus miles
Miles post on approval for both sides, and the annual fee is waived the first year so the reader risks nothing.
Full Chase United Explorer write-upValue to you $780 · disclosure: pays Churnables $130 (not used in ranking) - 3Claim →Lake Michigan Credit Union$110 cashPays out reliably
Official terms clearly document the $110 reward and the $500 recurring-deposit requirement.
Full Lake Michigan Credit Union write-upValue to you $110 · disclosure: pays Churnables $110 (not used in ranking) - 4Claim →Ally Bank$100 cashPays out reliably
A clearly documented $100 bonus with no monthly fee, confirmed in Ally's official terms.
Full Ally Bank write-upValue to you $100 · disclosure: pays Churnables $50 (not used in ranking) - 5Claim →Wings Credit Union (Visa GC)$50 virtual Visa card each
Referlive issues the card on verification, so there is nothing to chase and no spend requirement.
Full Wings Credit Union (Visa GC) write-upValue to you $50 · disclosure: pays Churnables $50 (not used in ranking) - 6Claim →inKind$50 dining credit
Food is a universal win - the credit is applied at checkout and works at thousands of independent restaurants.
Full inKind write-upValue to you $50 · disclosure: pays Churnables $25 (not used in ranking) - 7Claim →MoneyLionSignup bonus on a qualifying direct deposit
Open it through the link and finish signup in one session, otherwise the bonus will not attach to the account.
Full MoneyLion write-upValue to you $25 · disclosure: pays Churnables $25 (not used in ranking) - 8Claim →WiseZero fees on a transfer up to $500
Instant value on a transfer people were going to make anyway, and Wise credits the invite the moment it settles.
Full Wise write-upValue to you $45 · disclosure: pays Churnables $17 (not used in ranking)
Some links pay Churnables a bonus too. What we earn is disclosed above and has no effect on the order. Rankings are never for sale.
Up to $1,000 in NVDA
20.3% APY
2,000/hr for your time
Tiered NVDA shares by deposit + 8.1% APY sweep on cash.
Ease 6/10 · variesNo expiration
Bonus / matchDetails
20.3% effective APY
$30,000 committed, about 60 days
$100 - $1,000
4.0% APY
2,264/hr for your time
Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.
Ease 8/10 · roughly 45 days after the deposit clearsNo expiration
Hold balanceDetails
4.0% effective APY
$25,000 committed, about 365 days
Free stock + 3% match
$800/hr
No money tied up
Free gift stock + 3% IRA transfer match with Gold.
Ease 9/10 · variesNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h of work
Up to $200 in free stock
$800/hr
No money tied up
Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account.
Ease 9/10 · shares granted after you open and fund the accountNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h of work
$100 referral reward
$400/hr
No money tied up
Open a Lofty account through an invite link and complete a first qualifying property purchase.
Ease 5/10 · after the qualifying purchaseNo expiration
Bonus / matchDetails
$400/hr for your time
No cash tied up · about 0.3h of work
$25 bonus investment
$100/hr
No money tied up
Open a Fundrise account through an invite link and make a first investment of at least $10.
Ease 8/10 · after the first investment settlesNo expiration
Bonus / matchDetails
$100/hr for your time
No cash tied up · about 0.3h of work
$5 to start
$20/hr
No money tied up
Sign up and fund your first round-up.
Ease 10/10 · immediateNo expiration
Bonus / matchDetails
$20/hr for your time
No cash tied up · about 0.3h of work
$20 + 1% match
6.1% APY
2,000/hr for your time
$20 per referral · 1% uncapped transfer match.
Ease 8/10 · after depositNo expiration
Bonus / matchDetails
6.1% effective APY
$50,000 committed, about 60 days
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
$99
$396/hr
No money tied up
Open and fund a brokerage account.
Ease 7/10 · after fundingNo expiration
Bonus / matchDetails
$396/hr for your time
No cash tied up · about 0.3h of work
Up to $1,000 in stock
$100/hr
No money tied up
Open a SoFi Active Invest account through an invite link and fund it. SoFi drops a slice of stock whose value is drawn from a published range, with a minimum award for a small deposit and larger awards for larger deposits.
Ease 9/10 · shares appear within a few days of fundingNo expiration
Bonus / matchDetails
$100/hr for your time
No cash tied up · about 0.3h of work
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Master bonus wall
Every account, one place
59+ bonus links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect, so no personal token ever lands in your browser bar.