Best bonus lists, by your situation
The right bonus depends on one constraint: whether you can set up a direct deposit, how much cash you can park, and how much time you want to spend. Pick the list that matches yours.
Best bank bonuses right now
Every tracked checking and savings cash bonus in one list. Offers whose issuer terms Churnables has read are listed first, then the rest by cash amount, with the exact requirement, retained balance and payout timing on each row.
22 offers
Bank bonuses without a direct deposit requirement
Every tracked bank, brokerage, and cash-app bonus that pays without a payroll direct deposit, ranked by annualized bonus return with the exact requirement on each row.
63 offers
Bonuses that lock up none of your money
Sign-up bonuses that require no held balance at all. No retained balance is documented, so no annualized return is calculated.
72 offers
Highest annualized bonus return bank bonuses
The tracked offers with the best return on the capital they tie up, annualized. Annualized bonus return (not bank APY) is the cash bonus divided by the documented retained balance, scaled to a full year. Direct deposits are not a retained balance.
5 offers
Easiest bank bonuses for beginners
Low-friction sign-up bonuses with simple requirements, small funding amounts, and short hold periods. The right place to start if you have never done this before.
52 offers
Brokerage and investing transfer bonuses
Cash offers for moving or depositing assets at a brokerage, with the required transfer amount, the hold period, and the effective return on each.
12 offers
Business bank account bonuses
Sign-up bonuses for business checking and business banking accounts, including what counts as a qualifying deposit and how long the balance must stay.
8 offers
Credit card sign-up bonuses
Current card welcome offers with the spending requirement, the time window, and a plain-English read on what the points are actually good for.
14 offers
Bonuses expiring soon
Tracked offers with a published end date coming up. If one of these fits your situation, it is the one to do first.
12 offers