Up to $750
30.4% APY
Hold $5k ($400) or $15k ($750) ~60 days.
Ease 4/10 · ~60 daysNo expiration
Hold balanceDetails
Public offerGet Up to $750 at Bank of America→Highest effective APY bank bonuses
Effective APY is the honest way to compare bonuses: divide the bonus by the balance you must hold, then annualize it over the hold period. A $300 bonus on $5,000 held for 90 days is roughly 24% effective APY, which is far better than any savings account.
A big headline number is not the same as a good deal. What matters is how much money you tie up and for how long. Sorted by effective APY, the ranking often looks nothing like the ranking by headline cash.
8 offers. Data last reviewed 2026-07-07.
$1,200
29.2% APY
Hold $25,000 new money 60 days + 6 qualifying transactions.
Ease 3/10 · ~30 days afterAug 30, 2026
Hold balanceDetails
Public offerGet $1,200 at U.S. Bank→Up to $200
16.2% APY
Hold $3,000 avg · $50 per cycle · code START200.
Ease 6/10 · per cycleAug 30, 2026
Hold balanceDetails
Public offerGet Up to $200 at Axos→$200
6.6% APY
Hold $10,000 for 90 days (fund within 20).
Ease 5/10 · ~90 daysJul 30, 2026
Hold balanceDetails
Public offerGet $200 at TD Bank→$100 - $1,000
4.0% APY
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.
Ease 8/10 · roughly 45 days after the deposit clearsNo expiration
Hold balanceDetails
Bonus linkGet $100 - $1,000 at Charles Schwab→20,000 AA miles (~$280)
2.3% APY
Hold $50,000 average balance for 90 days.
Ease 3/10 · after 120 daysAug 31, 2026
Hold balanceDetails
Public offerGet 20,000 AA miles (~$280) at Bask Bank→$200
2.0% APY
Hold $30,000 for 120 days.
Ease 4/10 · ~60 days afterJul 31, 2026
Hold balanceDetails
Public offerGet $200 at Barclays→Up to $1,000
1.6% APY
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
Public offerGet Up to $1,000 at J.P. Morgan→At a glance
| Offer | Bonus | Requirement | Effective APY |
|---|---|---|---|
| Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 30.4% |
| U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 29.2% |
| Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 16.2% |
| TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 6.6% |
| Charles Schwab Brokerage Account | $100 - $1,000 | 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. | 4.0% |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2.3% |
| Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2.0% |
| J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 1.6% |
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