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American Express bonuses

Updated November 2026 · 7 offers · last review 2026-07-07

American Express issues consumer and business charge and credit cards and runs a high yield online savings bank. Membership Rewards points from Gold and Platinum cards transfer to airline and hotel partners.

Eligibility rules that apply across American Express

  • American Express applies a once per lifetime rule per card product, so a welcome offer you already took on that exact card will not pay again.
  • Business card welcome offers are generally separate from personal card offers on the same account.
Checking• Bonus live

American Express National Bank

Rewards Checking
20,000 Amex Membership Rewards points
Not fixed cash
No retained balance documented

Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days.

Ease 7/10 · Points post about 8 weeks after the requirement is metNo expiration
Direct deposit
Details
Not fixed cash
No retained balance documented
Bonus linkGet 20,000 Amex Membership Rewards points at American Express National Bank→
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Business• Bonus live

Amex Blue Business Cash

Credit Card
$500 statement credit
Not fixed cash
No retained balance documented

Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify.

Ease 6/10 · Statement credit posts 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet $500 statement credit at Amex Blue Business Cash→
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Credit Card• Bonus live

American Express (Gold / Platinum)

Personal Charge Card
80,000 to 175,000 Amex Membership Rewards points
Not fixed cash
No retained balance documented

Spend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies.

Ease 7/10 · Points post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet 80,000 to 175,000 Amex Membership Rewards points at American Express (Gold / Platinum)→
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Credit Card• Bonus live

Delta SkyMiles Gold American Express

Airline Credit Card
40,000 to 75,000 Delta SkyMiles
Not fixed cash
No retained balance documented

Spend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.

Ease 7/10 · Miles post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet 40,000 to 75,000 Delta SkyMiles at Delta SkyMiles Gold American Express→
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Credit Card• Bonus live

Delta SkyMiles Gold Business American Express

Business Airline Credit Card
50,000 to 75,000 Delta SkyMiles
Not fixed cash
No retained balance documented

Spend $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.

Ease 6/10 · Miles post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet 50,000 to 75,000 Delta SkyMiles at Delta SkyMiles Gold Business American Express→
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Credit Card• Bonus live

Marriott Bonvoy Business American Express

Hotel Credit Card
3 Free Night Awards (up to 50,000 points each)
Not fixed cash
No retained balance documented

Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points.

Ease 6/10 · Free Night Awards post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet 3 Free Night Awards (up to 50,000 points each) at Marriott Bonvoy Business American Express→
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Credit Card• Bonus live

American Express Blue Cash Everyday

Cashback Credit Card
$200 statement credit
Not fixed cash
No retained balance documented

Spend $2,000 on purchases in the first 6 months. Earns 3% cash back at US supermarkets, US online retail and US gas stations on up to $6,000 per category per year.

Ease 8/10 · Statement credit posts 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Not fixed cash
No retained balance documented
Bonus linkGet $200 statement credit at American Express Blue Cash Everyday→
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Return on parked cash

Annualized bonus return across American Express offers

Bonus divided by the money you must hold, annualized.

How fast the money lands

Timeline: American Express National Bank Rewards Checking

From opening the account to the bonus posting.

  1. 1Day 0
    Open the account
    $0 to start · DD account
  2. 2~Day 15
    Route a direct deposit
    Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days.
  3. 3~Day 29
    Bonus posts - 20,000 Amex Membership Rewards points
    Points post about 8 weeks after the requirement is met. Cash lands in the account you just opened.
Start this one
American Express National Bank20,000 Amex Membership Rewards points
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.

Offer table

OfferBonusRequirementAnnualized bonus returnChecked
Rewards Checking20,000 Amex Membership Rewards pointsOpen Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days.n/a2026-08-14
Credit Card$500 statement creditSpend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify.n/a2026-07-05
Personal Charge Card80,000 to 175,000 Amex Membership Rewards pointsSpend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies.n/a2026-07-05
Airline Credit Card40,000 to 75,000 Delta SkyMilesSpend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.n/a2026-08-14
Business Airline Credit Card50,000 to 75,000 Delta SkyMilesSpend $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.n/a2026-08-16
Hotel Credit Card3 Free Night Awards (up to 50,000 points each)Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points.n/a2026-08-14
Cashback Credit Card$200 statement creditSpend $2,000 on purchases in the first 6 months. Earns 3% cash back at US supermarkets, US online retail and US gas stations on up to $6,000 per category per year.n/a2026-08-14
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Keep going

Other banks

By account type

Learn the system

Master bonus wall

Every account, one place

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.

Banks & Credit Unions

11 offers
Oregon State Credit Union
Up to $600 per year in rewards
→
Oregon State wants 12 debit swipes, a direct deposit, and eStatements every single month for the privilege.
High-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.
$600 cash
No retained balance documented
Read the Oregon State Credit Union write-up: steps, timing, annualized bonus return
Lake Michigan Credit Union
$110 cash
→
Lake Michigan Credit Union pays both sides $110 for 60 days of recurring deposits, no asterisks volunteered.
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. LMCU's official terms say both sides receive $110.
$110 cash
No retained balance documented
Read the Lake Michigan Credit Union write-up: steps, timing, annualized bonus return
Amex Rewards Checking
20,000 Membership Rewards points
→
Amex Rewards Checking pays in points, not cash, so read that twice before celebrating.
Free 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.
Not fixed cash
No retained balance documented
Read the Amex Rewards Checking write-up: steps, timing, annualized bonus return
Ally Bank
$100 cash
→
Ally wants three consecutive months of good direct-deposit behavior before it pays the $100.
Enroll by December 31, 2026, open eligible Ally Savings or Spending within 30 days, then complete qualifying transfers or direct deposits for three consecutive months.
$100 cash
No retained balance documented
Read the Ally Bank write-up: steps, timing, annualized bonus return
Digital Federal Credit Union
$100 cash
→
DCU pays $100 for one direct deposit, plus a decent rate on your first thousand dollars saved.
Nationally-open CU with 6.17% APY on the first $1,000 in Primary Savings. $100 checking bonus for referred members after one direct deposit.
$50 cash
No retained balance documented
Read the Digital Federal Credit Union write-up: steps, timing, annualized bonus return
Affinity Federal Credit Union
$25 to $100 cash
→
Affinity lets you join for $5 through an affiliated org, the cheapest cover charge in banking.
Nationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.
$25 cash
No retained balance documented
Read the Affinity Federal Credit Union write-up: steps, timing, annualized bonus return
U.S. Eagle Federal Credit Union
$50 cash each
→
U.S. Eagle pays both referrer and referred, assuming you're actually eligible to join a New Mexico credit union.
New 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.
$50 cash
No retained balance documented
Read the U.S. Eagle Federal Credit Union write-up: steps, timing, annualized bonus return
Associated Bank (Personal)
$300 to $500 cash
→
Associated Bank scales its bonus with your direct deposit size, like a loyalty program for your paycheck.
Midwest 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.
$100 cash
No retained balance documented
Read the Associated Bank (Personal) write-up: steps, timing, annualized bonus return
Chase Total Checking / Savings
Chase referral bonus (amount on Chase's page)
→
The bank with a branch on every corner that isn't a Starbucks. Open through the invite and Chase shows the current checking/savings bonus and its direct-deposit rules right on the page.
SharonView Federal Credit Union
$300 (per Shaun's referral info)
→
Nationwide credit union. Enter member referral code AP-0138093 on the application. Confirm the current $300 terms with SharonView before you fund.
OnPath Federal Credit Union
$100 cash
→
OnPath pays $100 for a direct deposit or some vaguely defined qualifying activity.
Louisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.
$50 cash
No retained balance documented
Read the OnPath Federal Credit Union write-up: steps, timing, annualized bonus return

Brokerage & Investing

7 offers
Tradier
$99 cash
→
Tradier pays a flat $99 for funding an account, refreshingly free of tiers and trapdoors.
Options-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.
Not fixed cash
No retained balance documented
Read the Tradier write-up: steps, timing, annualized bonus return
SoFi Invest
Up to $1,000 cash
→
SoFi scales its brokerage bonus all the way to $500,000 funded, for the rare reader with that kind of spare cash.
Tiered 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.
Robinhood
1 free stock + 3% IRA transfer match
→
Robinhood's free stock is a gamble on which ticker you land, but at least the entry fee is zero.
Free 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.
Not fixed cash
No retained balance documented
Read the Robinhood write-up: steps, timing, annualized bonus return
Acorns
$5 signup credit
→
Acorns pays $5 for linking a funding source, basically a tip for showing up.
Round-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.
Not fixed cash
No retained balance documented
Read the Acorns write-up: steps, timing, annualized bonus return
APEX Fintech
Waitlist priority
→
APEX only offers waitlist priority, the bonus equivalent of getting to cut the line for nothing.
The clearing firm behind many popular neobrokers. This link grants earlier access to the direct-to-consumer waitlist.
Not fixed cash
No retained balance documented
Read the APEX Fintech write-up: steps, timing, annualized bonus return
Betterment
Friend referral offer (shown on signup page)
→
Robo-advisor for people who want their money to grow without them touching it, which is honestly a strength. The invite page lists the current referral offer.
Polymarket (US)
$25 to trade, each side
→
Bet on elections, the Fed and whether your cousin's crypto coin survives Q1. Sign up through the invite and both sides get $25 in trading credit. Trading credit is not cash and losses are real.

Credit Cards

24 offers
Chase Sapphire Reserve
100,000 Ultimate Rewards points
→
Chase charges a cover fee bigger than most bar tabs, then hands you enough points to fly somewhere and forget about it.
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.
Not fixed cash
No retained balance documented
Read the Chase Sapphire Reserve write-up: steps, timing, annualized bonus return
Chase Sapphire Reserve (alt link)
100,000 Ultimate Rewards points
→
Chase Sapphire Reserve charges a $795 annual fee for travel credits you have to remember to use.
Same Sapphire Reserve offer as above: 100,000 points after $6,000 spend in 3 months. Big annual fee, big credits, lounge access, 5/24 applies.
Not fixed cash
No retained balance documented
Read the Chase Sapphire Reserve (alt link) write-up: steps, timing, annualized bonus return
Chase Sapphire Preferred
75,000 Ultimate Rewards points
→
Chase wants $5,000 spent in three months before the Ultimate Rewards points show up.
The 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.
Not fixed cash
No retained balance documented
Read the Chase Sapphire Preferred write-up: steps, timing, annualized bonus return
Chase United Explorer
60,000 United MileagePlus miles
→
Chase waives the annual fee year one, then quietly reintroduces it at $150 once you've settled in.
United co-brand. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. Miles book on United, Air Canada, ANA, Lufthansa, and 20+ Star Alliance carriers. $0 first year, then $150. Each approval also pays Churnables 10,000 miles, up to 100,000 a year.
Not fixed cash
No retained balance documented
Read the Chase United Explorer write-up: steps, timing, annualized bonus return
Amex Gold / Platinum (Personal)
80,000 to 175,000 Membership Rewards points
→
Amex wants $6,000 to $8,000 of spend in six months, and only lets you do this once per card per lifetime.
Amex 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.
Not fixed cash
No retained balance documented
Read the Amex Gold / Platinum (Personal) write-up: steps, timing, annualized bonus return
Chase United MileagePlus (alt link 1)
60,000+ United MileagePlus miles
→
Backup United link number one, same miles, same annual fee waiting in year two.
Alternate United MileagePlus link. Choose any United card that fits your wallet; offer may include the Explorer with 60,000 miles and the same free-bag and United Club pass benefits. $0 first year, then $150 on the Explorer.
Not fixed cash
No retained balance documented
Read the Chase United MileagePlus (alt link 1) write-up: steps, timing, annualized bonus return
Chase United MileagePlus (alt link 2)
60,000+ United MileagePlus miles
→
Backup United link number two, for when the first backup also isn't cooperating.
Another alternate United MileagePlus link. Compare this against the main Explorer link; these offer pages sometimes show different card variants or elevated mile bonuses. $0 first year, then $150 on the Explorer.
Not fixed cash
No retained balance documented
Read the Chase United MileagePlus (alt link 2) write-up: steps, timing, annualized bonus return
Chase United MileagePlus (alt link 3)
60,000+ United MileagePlus miles
→
A third United backup link, same free bag perk and the same $150 fee lurking after year one.
Third alternate United link. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. $0 first year, then $150 on the Explorer.
Not fixed cash
No retained balance documented
Read the Chase United MileagePlus (alt link 3) write-up: steps, timing, annualized bonus return
Marriott Bonvoy Business Amex
3 Free Night Awards (up to 150K points value)
→
Marriott's business card wants $6,000 of spend for three nights capped well under luxury-suite value.
Marriott 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.
Not fixed cash
No retained balance documented
Read the Marriott Bonvoy Business Amex write-up: steps, timing, annualized bonus return
Delta SkyMiles Gold (alt link)
40,000 to 75,000 Delta SkyMiles
→
The alternate Delta Gold link, same free bag perk, same fee showing up right on schedule.
Alternate link for the Delta Gold Amex. Same 2x categories, free first checked bag, and $200 Delta flight credit after $10K annual spend. Use whichever link Amex shows the higher offer on today.
Not fixed cash
No retained balance documented
Read the Delta SkyMiles Gold (alt link) write-up: steps, timing, annualized bonus return
Delta SkyMiles Gold Amex
40,000 to 75,000 Delta SkyMiles
→
Delta waives the bag fee for up to nine people on your reservation, generous until you remember the $150 annual fee.
Delta 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).
Not fixed cash
No retained balance documented
Read the Delta SkyMiles Gold Amex write-up: steps, timing, annualized bonus return
Chase Freedom Flex
$200 cashback + rotating 5% categories
→
Freedom Flex rotates its 5% categories quarterly, so you'll need a calendar reminder to actually use it.
5% 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.
Not fixed cash
No retained balance documented
Read the Chase Freedom Flex write-up: steps, timing, annualized bonus return
Chase Freedom Unlimited
$200 cashback + 5% on groceries first year
→
Chase Freedom Unlimited only needs $500 spent in three months, basically a grocery run.
Earns 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.
Not fixed cash
No retained balance documented
Read the Chase Freedom Unlimited write-up: steps, timing, annualized bonus return
Amex Blue Cash Everyday
$200 statement credit
→
Amex wants $2,000 of spend in six months before the $200 statement credit lands.
No 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.
Not fixed cash
No retained balance documented
Read the Amex Blue Cash Everyday write-up: steps, timing, annualized bonus return
Capital One Quicksilver
$200 cashback
→
Capital One only asks for $500 spent in three months, a bar so low it's basically limbo.
Flat 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.
Not fixed cash
No retained balance documented
Read the Capital One Quicksilver write-up: steps, timing, annualized bonus return
Prime Visa
$150 Amazon gift card on approval
→
Amazon credits the gift card the moment you're approved, assuming you already pay for Prime.
Requires 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.
Not fixed cash
No retained balance documented
Read the Prime Visa write-up: steps, timing, annualized bonus return
Browse All Amex Cards
Elevated welcome offer on any Amex
→
A full menu of Amex cards in one place, because sometimes you just want to comparison shop annual fees.
Full Amex card lineup on one page: Gold, Platinum, Delta, Marriott, Hilton, Business Gold, Blue Business Cash, and more. Use this when comparing multiple Amex products or when Amex is running a limited-time elevated offer.
Not fixed cash
No retained balance documented
Read the Browse All Amex Cards write-up: steps, timing, annualized bonus return
Chase Freedom Unlimited / Flex (alt link 1)
$200 cashback + 5% bonus categories
→
This is the backup Freedom link for when the main one isn't showing the offer you want.
Alternate Chase link for the Freedom family. Choose the Unlimited for 1.5% flat everywhere and 5% on groceries in year one, or the Flex for quarterly 5% rotating categories. No annual fee, 5/24 rule applies.
Not fixed cash
No retained balance documented
Read the Chase Freedom Unlimited / Flex (alt link 1) write-up: steps, timing, annualized bonus return
Chase Freedom Unlimited / Flex (alt link 2)
$200 cashback + 5% bonus categories
→
A second backup Freedom link, because apparently one spare wasn't enough for Chase.
Another alternate Chase link for the Freedom family. Same offer: choose Unlimited or Flex, earn $200 after $500 spend in 3 months, plus the card's ongoing 5% categories. No annual fee, 5/24 rule applies.
Not fixed cash
No retained balance documented
Read the Chase Freedom Unlimited / Flex (alt link 2) write-up: steps, timing, annualized bonus return
Chase Freedom Unlimited / Flex (alt link 3)
$200 cashback + 5% bonus categories
→
A third backup Freedom link, filed here purely for redundancy's own sweet sake.
Third alternate Chase link for the Freedom family. Apply through whichever link shows the best bonus today. No annual fee, 5/24 rule applies.
Not fixed cash
No retained balance documented
Read the Chase Freedom Unlimited / Flex (alt link 3) write-up: steps, timing, annualized bonus return
Chase Freedom Unlimited / Flex (alt link 4)
$200 cashback + 5% bonus categories
→
A fourth backup Freedom link, at this point just insurance against Chase's own website.
Fourth alternate Chase link for the Freedom family. Keep this as a backup in case another link targets a higher-tier offer or different card. No annual fee, 5/24 rule applies.
Not fixed cash
No retained balance documented
Read the Chase Freedom Unlimited / Flex (alt link 4) write-up: steps, timing, annualized bonus return
Chase United Explorer (new link)
United miles welcome offer (see Chase page)
→
Free checked bag, two United Club passes a year, and the smug feeling of boarding before Group 5. Current miles offer and spend requirement are on Chase's page.
Discover it (alt link)
Discover it offer (now via Capital One)
→
The alternate Discover link, same cashback match, in case the main page is being stingy today.
Alternate Discover it link. Same first-year Cashback Match, same 5% rotating categories. Use whichever link Discover shows the higher offer on today.
Not fixed cash
No retained balance documented
Read the Discover it (alt link) write-up: steps, timing, annualized bonus return
Discover it Cash Back
Discover it offer (now via Capital One)
→
Discover matches every dollar of cashback in year one, a rare instance of a bank being generous on purpose.
5% on rotating quarterly categories (up to $1,500 spend), 1% everywhere else. Discover doubles every dollar of cashback you earn in year one with no cap. A typical churner walks away with $300 to $600 in year-one cashback.
Not fixed cash
No retained balance documented
Read the Discover it Cash Back write-up: steps, timing, annualized bonus return

Crypto

4 offers
Nexo
$25 in Bitcoin
→
Nexo wants a $100 deposit held 30 days before it releases $25 in Bitcoin.
Crypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.
Not fixed cash
No retained balance documented
Read the Nexo write-up: steps, timing, annualized bonus return
Crypto.com
$25 in CRO after card activation
→
Crypto.com wants a $200 stake and a card purchase before CRO rewards start flowing.
Metal 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.
Not fixed cash
No retained balance documented
Read the Crypto.com write-up: steps, timing, annualized bonus return
Gemini
$15 in Bitcoin
→
Gemini pays $15 in Bitcoin for a $100 trade within 30 days, crypto's version of a loyalty punch card.
Trade $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.
Not fixed cash
No retained balance documented
Read the Gemini write-up: steps, timing, annualized bonus return
Coinbase
$10 in Bitcoin
→
Coinbase wants $100 traded within 180 days for a modest $10 in Bitcoin, read: not cash.
Buy 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.
Not fixed cash
No retained balance documented
Read the Coinbase write-up: steps, timing, annualized bonus return

Cashback & Money Apps

8 offers
Shopback
$30 signup bonus
→
Shopback pays a signup bonus after your first purchase, then keeps tracking every purchase after that.
Cashback portal and app covering thousands of US retailers. New users get a signup bonus after a first qualifying purchase, and the app auto-stacks cashback on top of credit card rewards and store coupons.
$30 cash
No retained balance documented
Read the Shopback write-up: steps, timing, annualized bonus return
Gopuff
$10 off first two orders
→
Gopuff knocks $10 off your first two orders, a modest bribe toward snacks you were buying anyway.
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.
Not fixed cash
No retained balance documented
Read the Gopuff write-up: steps, timing, annualized bonus return
Swagbucks
$10 bonus after $25 earned
→
Swagbucks pays in SB points worth a cent each, so read the math before you get excited about the bonus.
Earn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.
$10 cash
No retained balance documented
Read the Swagbucks write-up: steps, timing, annualized bonus return
Upside
Extra $0.15 per gallon on first fill-up + ongoing cashback
→
Upside wants a promo code typed in at the pump, a tiny ritual for a few extra cents per gallon.
Cashback 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.
Not fixed cash
No retained balance documented
Read the Upside write-up: steps, timing, annualized bonus return
Aisle
Invite reward (shown in app)
→
Get paid back for trying new grocery products, aka the only time the snack aisle owes you money. The invite page shows the current offer.
Capital One Shopping
Targeted Shopping Rewards
→
Capital One Shopping pays in Shopping Rewards, which spend like points, not like a paycheck.
Free browser extension with no Capital One account required. The reward varies by visitor and is paid as Shopping Rewards after the signup page's required activity, not as cash.
Not fixed cash
No retained balance documented
Read the Capital One Shopping write-up: steps, timing, annualized bonus return
PayPal
Reward shown at signup
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PayPal's reward is a mystery until you click through, corporate suspense at its finest.
PayPal personalizes invite rewards. Open the invite, link an eligible payment method, and rely on the reward, activity requirement, and deadline shown by PayPal before continuing.
Not fixed cash
No retained balance documented
Read the PayPal write-up: steps, timing, annualized bonus return
PFS Buyers Club
Discount travel and tech perks
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PFS Buyers Club just wants a referral code typed correctly before the discount marketplace opens up.
Membership marketplace with below-retail deals on cruises, resort stays, phones, and appliances through bulk buying power.
Not fixed cash
No retained balance documented
Read the PFS Buyers Club write-up: steps, timing, annualized bonus return

Travel & Lifestyle

2 offers
inKind
$50 dining credit
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inKind fronts you $50 of dining credit for joining and ordering once, pre-paying your future dinner.
Restaurant app where you pre-fund dining credit at a discount. This link gives you $50 to spend at 3,000+ US restaurants when you join and place your first order.
Not fixed cash
No retained balance documented
Read the inKind write-up: steps, timing, annualized bonus return
Airbnb
Offer shown at signup
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Airbnb's referral terms change based on who's looking, so trust only what the page shows you right now.
Airbnb varies referral programs by visitor and region. Open the link to see whether a current host or regional offer applies, and rely on the amount and expiration Airbnb shows there.
Not fixed cash
No retained balance documented
Read the Airbnb write-up: steps, timing, annualized bonus return

Business

2 offers
Amex Blue Business Cash
$500 cashback statement credit
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Amex caps 2% cashback at $50,000 a year, after which it quietly demotes you to 1%.
2% 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.
Not fixed cash
No retained balance documented
Read the Amex Blue Business Cash write-up: steps, timing, annualized bonus return
Associated Bank (Business)
$500 to $1,000 cash
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Associated's business tier wants $25,000 parked for 60 days on top of the direct deposits.
Business checking variant. Pays for direct deposits plus a qualifying $25,000+ balance held 60 days. LLCs and sole proprietors both eligible.
$300 cash
No retained balance documented
Read the Associated Bank (Business) write-up: steps, timing, annualized bonus return
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