Easiest bank bonuses for beginners

Join inKind through the referral link and make your first restaurant order.

First purchase with promo code JS699.

Register with referral code Q6EPKOTJ.

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

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.

Open the invite, link an eligible payment method, and complete the qualifying activity PayPal shows. The amount and deadline vary, so confirm both before continuing.

Install through the invite and complete the activity shown at signup. Reward amounts vary by visitor and are paid as Shopping Rewards, not cash.

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.

Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account.

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

Bonus link boosts your APY plus a cash kicker.

Send £500+ in first transfer.

Sign up through the link and complete a first qualifying cashback purchase.

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.

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

Buy or sell $100 in any crypto.

Sign up + first activity.

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

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.

$20 per referral · 1% uncapped transfer match.

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

Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.

Qualified first deposit of $100+.

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.

Open checking + qualifying activity.

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

Sign up + qualifying trade.

Open the invite and confirm the program, reward, qualifying action, and expiration Airbnb shows. The former general guest travel-credit program is no longer a safe assumption.

Enter invite code shauna068155 if Raisin presents a referral-code field, then confirm the live deposit and holding requirements before funding.

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 $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.

Direct deposit $1,000 within 90 days of opening.

Direct deposits totaling $500+ within 90 days.

Two direct deposits of $500+ in 75 days. Code CHECKING250.

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.

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.

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

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

Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules.

Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months.

Open and fund a brokerage account.

Join DCU + qualifying activity.

Join Affinity FCU via referral.

Sign up + first qualifying deposit.