Filter by bank, annualized bonus return, 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.
Bonus divided by the cash you have to hold, annualized over the days it has to sit there.
Straight payout size, before any consideration of how much money you have to move.
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.
Spend $6,000 in the first 3 months and Chase drops 100,000 Ultimate Rewards points on you. They transfer 1:1 to Hyatt, United, Aeroplan, Flying Blue and more. Big annual fee, big travel credit, lounge access, and Chase 5/24 still applies. Confirm the offer on Chase's page before you apply.
Full Chase Sapphire Reserve write-upThe gateway drug to Ultimate Rewards. Spend $5,000 in 3 months for 75,000 points, transfer 1:1 to Hyatt, United, Southwest, Aeroplan and Flying Blue. $95 annual fee. Chase 5/24 applies. Confirm the offer on Chase's page first.
Full Chase Sapphire Preferred write-upMiles 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-upAmex MR transfers 1:1 to Delta SkyMiles, Air Canada Aeroplan, ANA Mileage Club, British Airways Avios, Virgin Atlantic, Air France/KLM Flying Blue, and 15+ more. Worth 1.5 to 2.0 cents each in travel. Gold: $325 fee, $120 dining + $120 Uber credits. Platinum: $895 fee, $200 airline + $200 hotel + $200 Uber + $240 digital ent + $200 Saks credits.
Full Amex Gold / Platinum (Personal) write-upMarriott business co-brand. Earn 3 Free Night Awards (each up to 50K Bonvoy points, stackable at properties like Ritz-Carlton, St. Regis, W Hotels) after $6K spend in 6 months. Automatic Gold Elite status, 15 elite night credits per year. $125 annual fee.
Full Marriott Bonvoy Business Amex write-up2% cashback on every purchase up to $50,000 per year (1% after), no annual fee, no foreign transaction fee. $500 posts after $5,000 spend in 6 months. LLCs, sole props, and freelancers all eligible.
Full Amex Blue Business Cash write-upDelta co-brand. Free first checked bag on Delta (up to 9 people on your booking, saves $70 round trip), 20% back on inflight purchases, 2x miles at restaurants, US supermarkets, and on Delta. $0 first year, then $150. Miles redeem for Delta flights and SkyTeam partners (Air France, KLM, Korean Air, Virgin Atlantic).
Full Delta SkyMiles Gold Amex write-upHigh-yield checking that pays a bonus rate on balances up to $15,000 when you run 12 debit transactions, one direct deposit, and eStatements each month.
Full Oregon State Credit Union write-upOfficial terms clearly document the $110 reward and the $500 recurring-deposit requirement.
Full Lake Michigan Credit Union write-up5% on quarterly bonus categories (up to $1,500 spend per quarter), 5% travel through Chase, 3% dining and drugstores. Points combine with a Sapphire for full 1:1 partner transfers. No annual fee, 5/24 rule applies.
Full Chase Freedom Flex write-upEarns Chase Ultimate Rewards points (worth 1 cent as cashback, up to 2 cents when paired with a Sapphire or Ink card and transferred to a travel partner). 1.5% flat everywhere, 3% dining and drugstores, 5% travel through Chase. No annual fee, 5/24 rule applies.
Full Chase Freedom Unlimited write-upNo annual fee cashback card. 3% at US supermarkets (up to $6K/yr), 3% on US online retail, 3% at US gas stations, 1% everywhere else. $200 posts after $2,000 spend in 6 months. Solid keeper card for groceries and gas.
Full Amex Blue Cash Everyday write-upFlat 1.5% cashback everywhere, no annual fee, no foreign transaction fee. $200 posts after $500 spend in 3 months. Pairs well with Venture X (Capital One Miles transfer to 15+ airline partners) if you upgrade later.
Full Capital One Quicksilver write-upRequires Prime membership. 5% at Amazon and Whole Foods, 2% at gas / restaurants / transit, 1% everywhere else. No annual fee (Prime cost aside), no foreign transaction fee. Gift card credits instantly.
Full Prime Visa write-upFree checking with debit-card rewards that earn real transferable Amex MR points. Bonus posts after a direct deposit and card activity. No monthly fee, unlimited ATM refunds.
Full Amex Rewards Checking write-upA clearly documented $100 bonus with no monthly fee, confirmed in Ally's official terms.
Full Ally Bank write-upBusiness checking variant. Pays for direct deposits plus a qualifying $25,000+ balance held 60 days. LLCs and sole proprietors both eligible.
Full Associated Bank (Business) write-upThe reader gets a rate boost, but Churnables currently has no Marcus savings balance, so its matching boost has no practical value here.
Full Marcus by Goldman Sachs write-upNationally-open CU with 6.17% APY on the first $1,000 in Primary Savings. $100 checking bonus for referred members after one direct deposit.
Full Digital Federal Credit Union write-upOptions-first broker with a flat $10 per month unlimited-trade tier. Flat $99 posts after opening and funding a new account. Great fit for active options traders.
Full Tradier write-upNationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.
Full Affinity Federal Credit Union write-upFood is a universal win - the credit is applied at checkout and works at thousands of independent restaurants.
Full inKind write-upNew Mexico credit union with a member-get-member referral. Open a qualifying checking account through the link and finish the activity the welcome email lists, and both sides get paid.
Full U.S. Eagle Federal Credit Union write-upMidwest bank (WI, IL, MN). Tiered checking bonus that scales with direct deposit size. The Churnables tier tends to pay $100 more than the public offer.
Full Associated Bank (Personal) write-upDouble-dips with card rewards, and the signup bonus posts once the first purchase tracks.
Full Shopback write-upCrypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.
Full Nexo write-upMetal Visa debit card with up to 5% cashback (paid in CRO) on eligible spend based on your stake tier. Bonus posts after a $200+ stake and card purchase.
Full Crypto.com write-upTiered brokerage bonus: $25 for $1K funded, $75 for $5K, scaling to $1,000 for $500K+ in new money held 30 days. Works for IRAs and taxable.
Instant delivery of groceries, snacks, and essentials in most US metros. $10 credit on each of your first two orders when you use the code.
Full Gopuff write-upTrade $100 of crypto within 30 days, receive $15 of BTC. NYDFS-regulated, SOC 2 audited, insured custody. ActiveTrader fees are among the lowest in the industry.
Full Gemini write-upBuy or sell $100 of crypto within 180 days of signup, receive $10 in BTC. Fully regulated US exchange (Nasdaq-listed COIN) with insured USD balances.
Full Coinbase write-upEarn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.
Full Swagbucks write-upFree gift stock at account open (typically worth $5 to $200). With Robinhood Gold ($5/mo), get a 3% match on IRA transfers and 4% APY on idle cash.
Full Robinhood write-upCashback on gas, groceries, and restaurants. Typically 10 to 30 cents per gallon on top of the pump price. Use promo code JS699 at signup. Cash out to bank, PayPal, or Amazon.
Full Upside write-upRound-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.
Full Acorns write-upLouisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.
Full OnPath Federal Credit Union write-upJoin MoneyLion and enter the RoarTag during signup, then complete the qualifying account setup MoneyLion asks for.
Read the community's rules before posting anywhere. Many forums ban personal referral links or self-promotion, and some require moderator permission first. This draft links only to public research pages and is never posted for you.
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.
Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.
