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1 of 79 bonuses

Loans & Credit Apps, 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.

1 of 79 match
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Min APY
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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.

Headline dollars

Biggest cash bonuses

Straight payout size, before any consideration of how much money you have to move.

Claim the biggest payouts
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
1
of 79 tracked
Cash on the table
$20
if you did every one of them
Average effective APY
0.0%
across offers that lock money
No money locked up
1
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.

  1. 1
    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-up
    Value to you $2,000 · disclosure: pays Churnables $400 (not used in ranking)
    Claim →
  2. 2
    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-up
    Value to you $780 · disclosure: pays Churnables $130 (not used in ranking)
    Claim →
  3. 3
    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-up
    Value to you $110 · disclosure: pays Churnables $110 (not used in ranking)
    Claim →
  4. 4
    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-up
    Value to you $100 · disclosure: pays Churnables $50 (not used in ranking)
    Claim →
  5. 5
    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-up
    Value to you $50 · disclosure: pays Churnables $50 (not used in ranking)
    Claim →
  6. 6
    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-up
    Value to you $50 · disclosure: pays Churnables $25 (not used in ranking)
    Claim →
  7. 7
    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-up
    Value to you $25 · disclosure: pays Churnables $25 (not used in ranking)
    Claim →
  8. 8
    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-up
    Value to you $45 · disclosure: pays Churnables $17 (not used in ranking)
    Claim →
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.
Loans & Credit Apps

MoneyLion

Mobile Banking App
Signup reward
$80/hr
No money tied up

Join MoneyLion and enter the RoarTag during signup, then complete the qualifying account setup MoneyLion asks for.

Ease 9/10 · after the qualifying activityNo expiration
Bonus / match
Details
$80/hr for your time
No cash tied up · about 0.3h of work
Public offerGet Signup reward at MoneyLion→
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Banks & Credit Unions

11 offers

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8 offers

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23 offers

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