ChurnablesBONUS RESEARCH, LEARN, & EARN

Axos bonuses

Updated November 2026 · 1 offer · last review 2026-07-07

Axos currently has 1 tracked sign up bonus on Churnables. Every requirement, hold period, and annualized bonus return below is read off the provider's own terms page and dated.

Business

Axos

Basic Business Checking

Up to $200

16.2% annualized bonus return

Not bank APY

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

Ease 6/10 · per cycleAug 30, 2026

Hold balance

16.2% annualized bonus return (not bank APY)

$3,000 kept in the account, 150 days

Public offerGet Up to $200 at Axos→

Reddit X WhatsApp Email

Return on parked cash

Annualized bonus return across Axos offers

Bonus divided by the money you must hold, annualized.

Start a Axos offer

Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.

How fast the money lands

Timeline: Axos Basic Business Checking

From opening the account to the bonus posting.

1Day 0
Open the account
$0 to start · no DD needed
2~Day 5
Fund with required balance
Hold $3,000 avg · $50 per cycle · code START200.
3~Day 155
Bonus posts - Up to $200
per cycle. Cash lands in the account you just opened.

Start this one

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

Offer	Bonus	Requirement	Annualized bonus return	Checked
Basic Business Checking	Up to $200	Hold $3,000 avg · $50 per cycle · code START200.	16.2%	2026-07-05

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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.

No retained balance documented

Read the Oregon State Credit Union write-up: steps, timing, annualized bonus return

Lake Michigan Credit Union

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.

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.

No retained balance documented

Read the Amex Rewards Checking write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the Ally Bank write-up: steps, timing, annualized bonus return

Digital Federal Credit Union

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.

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.

No retained balance documented

Read the Affinity Federal Credit Union write-up: steps, timing, annualized bonus return

U.S. Eagle Federal Credit Union

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.

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.

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

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.

No retained balance documented

Read the OnPath Federal Credit Union write-up: steps, timing, annualized bonus return

High-Yield Savings

1 offers

Marcus by Goldman Sachs

+1.00% APY boost for 3 months

Marcus boosts your rate for three months, generous until you realize it only applies to money you already have there.

Referred savers get an extra 1.00% APY on top of the standard Marcus Online Savings rate for the first three months, applied to any balance up to $1M.

No retained balance documented

Read the Marcus by Goldman Sachs write-up: steps, timing, annualized bonus return

Brokerage & Investing

7 offers

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.

No retained balance documented

Read the Tradier write-up: steps, timing, annualized bonus return

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.

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.

No retained balance documented

Read the Robinhood write-up: steps, timing, annualized bonus return

$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.

No retained balance documented

Read the Acorns write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the APEX Fintech write-up: steps, timing, annualized bonus return

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

No retained balance documented

Read the Amex Blue Cash Everyday write-up: steps, timing, annualized bonus return

Capital One Quicksilver

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.

No retained balance documented

Read the Capital One Quicksilver write-up: steps, timing, annualized bonus return

$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.

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.

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.

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.

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.

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.

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.

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.

No retained balance documented

Read the Discover it Cash Back write-up: steps, timing, annualized bonus return

Crypto

4 offers

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.

No retained balance documented

Read the Nexo write-up: steps, timing, annualized bonus return

$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.

No retained balance documented

Read the Crypto.com write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the Gemini write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the Coinbase write-up: steps, timing, annualized bonus return

Cashback & Money Apps

8 offers

$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.

No retained balance documented

Read the Shopback write-up: steps, timing, annualized bonus return

$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.

No retained balance documented

Read the Gopuff write-up: steps, timing, annualized bonus return

$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.

No retained balance documented

Read the Swagbucks write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the Upside write-up: steps, timing, annualized bonus return

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.

No retained balance documented

Read the Capital One Shopping write-up: steps, timing, annualized bonus return

Reward shown at signup

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.

No retained balance documented

Read the PayPal write-up: steps, timing, annualized bonus return

PFS Buyers Club

Discount travel and tech perks

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.

No retained balance documented

Read the PFS Buyers Club write-up: steps, timing, annualized bonus return

Travel & Lifestyle

2 offers

$50 dining credit

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.

No retained balance documented

Read the inKind write-up: steps, timing, annualized bonus return

Offer shown at signup

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.

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

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.

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

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.

No retained balance documented

Read the Associated Bank (Business) write-up: steps, timing, annualized bonus return

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