Bank bonuses without a direct deposit requirement

Hold $5k ($400) or $15k ($750) ~60 days.

Hold $25,000 new money 60 days + 6 qualifying transactions.

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

Hold $10,000 for 90 days (fund within 20).

Open through a Schwab client referral link and net deposit new money: $25,000 for $100, $50,000 for $300, $100,000 for $500, or $500,000 for $1,000. The deposit must be new money to Schwab and must stay for the qualifying period.

Hold $50,000 average balance for 90 days.

Hold $30,000 for 120 days.

Fund new money, tiered. Top tier needs ~$250K held 90 days.

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.

Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months).

Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation.

Tiered NVDA shares by deposit + 8.1% APY sweep on cash.

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.

Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.

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.

Qualifying debit activity + eStatements for elevated APY tier.

$20 per referral · 1% uncapped transfer match.

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

Simply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap.

Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days.

Qualified first deposit of $100+.

Open Associated business checking via referral.

Open a Mercury business account through a referral.

Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250.

3 debit card purchases. No direct deposit required.

Free gift stock + 3% IRA transfer match with Gold.

Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies.

Spend $500 on purchases within the first 3 months.

Apply through a Bank of America refer-a-friend link, get approved, then spend the qualifying amount on purchases in the first 90 days. Preferred Rewards members earn 25 to 75 percent more on every category.

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.

First deposit $1,000+ (paid in installments), or 3% IRA match.

Get approved for the Prime Visa (requires an active Amazon Prime membership).

Bonus link boosts your APY plus a cash kicker.

Open a qualifying Ally account with a referral code.

Open a Lofty account through an invite link and complete a first qualifying property purchase.

Open and fund a brokerage account.

Send £500+ in first transfer.

Join DCU + qualifying activity.

Refer 1-3 friends for $50 Visa GCs; 3 unlocks lifetime access.

Sign up with the Churnables invite code + fund an account.

New Airbnb account books a qualifying stay.

Join Affinity FCU via referral.

Stake CRO tier via referral.

Sign up + first qualifying deposit.

Sign up + fund account.

Join inKind + first order.

Open a SoFi Active Invest account through an invite link and fund it. SoFi drops a slice of stock whose value is drawn from a published range, with a minimum award for a small deposit and larger awards for larger deposits.

Open a Fundrise account through an invite link and make a first investment of at least $10.

First purchase with promo code JS699.

Register with referral code Q6EPKOTJ.

Join MoneyLion and enter the RoarTag during signup, then complete the qualifying account setup MoneyLion asks for.

Create an account through a referral link and place two qualifying orders that meet the stated minimum.

Sign up + qualifying trade.

Install and complete first activity.

Buy or sell $100 in any crypto.

Referred user spends $5 within 30 days.

Sign up + first activity.

Open a SoFi crypto account through an invite link and place a first qualifying trade.

Create a free SoFi Relay account through an invite link and connect one account.

Sign up and fund your first round-up.

Sign up and add a funding source.