Upgrade bonuses

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.

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.

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.

Top-rated CU (Bauer 5-star, NCUA-insured). $100 posts after opening a High-Yield Checking account and running the qualifying activity.

A virtual $50 Visa gift card once your referred membership is verified. Stackable with the $100 Wings checking bonus above, so the two together are worth $150.

Louisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.

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.

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.

Nationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.

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.

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.

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.

Tiered deposit bonus: fund $100 for 5 shares, another $2,000 for 10 more, $20,000 for 1 additional bonus share. Idle cash earns ~8% APY in the sweep. Both IRAs and taxable accounts eligible.

Alternate Moomoo link. Same tiered deposit bonus, same 8% APY sweep on idle cash. Use whichever page shows the higher current promotion.

Open a new brokerage and fund at least $500. Shares are drawn from a pool that includes AAPL, TSLA, and other US large caps. Random per-share value, cumulative haul often $50 to $300.

Alternate Webull link. Deposit $100+ for 6 shares, $2,000+ for 6 additional. Each share can be worth up to $250.

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.

The clearing firm behind many popular neobrokers. This link grants earlier access to the direct-to-consumer waitlist.

Round-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.

Albert hands new members up to $200 of free fractional shares in well known American companies such as Nvidia, Alphabet (Google), Amazon and Apple after you open the account and fund it. The stock is yours to hold or sell, and the app also does auto-savings and fee-free cash advances.

New offer page giving 100,000 Chase Ultimate Rewards points (good for travel partners) on either the Sapphire Preferred or Sapphire Reserve. Transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. Preferred has a $95 annual fee; Reserve has a $795 annual fee, $300 travel credit, and Priority Pass lounge access. 5/24 rule applies.

Ultimate Rewards transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. $795 annual fee, $300 annual travel credit, Priority Pass lounge access. 5/24 rule applies.

The best entry point into Ultimate Rewards. 60K posts after $5,000 spend in 3 months. Transfer 1:1 to Hyatt (a category-4 Hyatt runs 15K points a night), United, Southwest, Aeroplan, and Flying Blue. Worth roughly $1,200 in travel. $95 annual fee. 5/24 rule applies.

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.

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.

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.

Third alternate Chase link for the Freedom family. Apply through whichever link shows the best bonus today. No annual fee, 5/24 rule applies.

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.

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.

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.

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.

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.

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.

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.

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).

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 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.

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.

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.

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.

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.

Alternate Discover it link. Same first-year Cashback Match, same 5% rotating categories. Use whichever link Discover shows the higher offer on today.

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.

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.

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.

Crypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.

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.

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.

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.

Earn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.

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.

Membership marketplace with below-retail deals on cruises, resort stays, phones, and appliances through bulk buying power.

Mid-market FX rates, typically 5 to 10x cheaper than a bank wire, plus zero fees on your first transfer up to $500. Refer three friends and Wise pays out $50. Multi-currency account with local bank details in 10+ countries.

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.

All-in-one money app: fee-free RoarMoney checking, up to two-day early direct deposit, 0% APR Instacash advances, and automated investing. Start from the link so the bonus code is applied for you, then complete signup in the same session.

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.

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.

Business checking variant. Pays for direct deposits plus a qualifying $25,000+ balance held 60 days. LLCs and sole proprietors both eligible.

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.