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Bank bonuses across the West

13 states · 4 regional offers · last full review 2026-07-07

Pacific and Mountain states. Credit unions dominate the local offers here, and several of the strongest ones are open to anyone who lives or works in the state.

Regional offers in the West

Checking• Bonus live

U.S. Eagle Federal Credit Union

Personal Checking
$50 cash each
$143/hr
No money tied up

Open a new personal checking account through a member referral link, then complete the qualifying account activity U.S. Eagle lists in the welcome terms (typically a direct deposit or debit-card usage inside the first 60 days). Membership eligibility is New Mexico based, so confirm you qualify before applying.

Ease 5/10 · after qualifying activity postsNo expiration
Direct deposit
Details
$143/hr for your time
No cash tied up · about 0.3h of work
Bonus linkGet $50 cash each at U.S. Eagle Federal Credit Union→
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Checking

Sunward Credit Union

Member Checking
Offer currently unavailable
$286/hr
No money tied up

Join Sunward and enter the friend code on the application, then complete the membership and account activity Sunward requires for the reward.

Ease 6/10 · after the qualifying activity postsNo expiration
Direct deposit
Details
$286/hr for your time
No cash tied up · about 0.3h of work
Public offerGet Offer currently unavailable at Sunward Credit Union→
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Pick your state

Alaska
66 offers available
Arizona
67 offers available · 1 Arizona only
California
66 offers available
Colorado
67 offers available · 1 Colorado only
Hawaii
66 offers available
Idaho
66 offers available
Montana
66 offers available
Nevada
66 offers available
New Mexico
68 offers available · 2 New Mexico only
Oregon
67 offers available · 1 Oregon only
Utah
66 offers available
Washington
66 offers available
Wyoming
66 offers available

Other regions

Browse the rest of the country

Master bonus wall

Every account, one place

59+ bonus links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect, so no personal token ever lands in your browser bar.

Banks & Credit Unions

11 offers
Ally Bank
$100 cash
→
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.
$286/hr for your time
No cash tied up · about 0.3h of work
Read the Ally Bank write-up: steps, timing, effective APY
U.S. Eagle Federal Credit Union
$50 cash each
→
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.
$143/hr for your time
No cash tied up · about 0.3h of work
Read the U.S. Eagle Federal Credit Union write-up: steps, timing, effective APY
Oregon State Credit Union
Up to $600 per year in rewards
→
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.
$2,400/hr for your time
No cash tied up · about 0.3h of work
Read the Oregon State Credit Union write-up: steps, timing, effective APY
Wings Credit Union
$100 cash
→
Top-rated CU (Bauer 5-star, NCUA-insured). $100 posts after opening a High-Yield Checking account and running the qualifying activity.
$143/hr for your time
No cash tied up · about 0.3h of work
Read the Wings Credit Union write-up: steps, timing, effective APY
Wings Credit Union (Visa GC)
$50 virtual Visa card each
→
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.
$143/hr for your time
No cash tied up · about 0.3h of work
Read the Wings Credit Union (Visa GC) write-up: steps, timing, effective APY
OnPath Federal Credit Union
$100 cash
→
Louisiana CU, nationally referable. $100 posts after a qualifying direct deposit or account activity on new checking.
$143/hr for your time
No cash tied up · about 0.3h of work
Read the OnPath Federal Credit Union write-up: steps, timing, effective APY
Associated Bank (Personal)
$300 to $500 cash
→
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.
$286/hr for your time
No cash tied up · about 0.3h of work
Read the Associated Bank (Personal) write-up: steps, timing, effective APY
Digital Federal Credit Union
$100 cash
→
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.
$200/hr for your time
No cash tied up · about 0.3h of work
Read the Digital Federal Credit Union write-up: steps, timing, effective APY
Affinity Federal Credit Union
$25 to $100 cash
→
Nationally-open (join via an affiliated org for $5). Soft-pull membership, no ChexSystems friction. Bonus tiers by deposit size.
$100/hr for your time
No cash tied up · about 0.3h of work
Read the Affinity Federal Credit Union write-up: steps, timing, effective APY
Lake Michigan Credit Union
$110 cash
→
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.
134% effective APY
$500 committed, about 60 days
Read the Lake Michigan Credit Union write-up: steps, timing, effective APY
Amex Rewards Checking
20,000 Membership Rewards points
→
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.
$571/hr for your time
No cash tied up · about 0.3h of work
Read the Amex Rewards Checking write-up: steps, timing, effective APY

Brokerage & Investing

8 offers
Moomoo
Up to 16 free stocks (typical value $200+)
→
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.
20.3% effective APY
$30,000 committed, about 60 days
Read the Moomoo write-up: steps, timing, effective APY
Moomoo (alt link)
Up to 16 free stocks
→
Alternate Moomoo link. Same tiered deposit bonus, same 8% APY sweep on idle cash. Use whichever page shows the higher current promotion.
20.3% effective APY
$30,000 committed, about 60 days
Read the Moomoo (alt link) write-up: steps, timing, effective APY
Webull
Up to 75 free fractional shares
→
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.
97.3% effective APY
$1,000 committed, about 60 days
Read the Webull write-up: steps, timing, effective APY
Webull (12-share offer)
12 free shares (up to $3,000 total value)
→
Alternate Webull link. Deposit $100+ for 6 shares, $2,000+ for 6 additional. Each share can be worth up to $250.
97.3% effective APY
$1,000 committed, about 60 days
Read the Webull (12-share offer) write-up: steps, timing, effective APY
Robinhood
1 free stock + 3% IRA transfer match
→
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.
$800/hr for your time
No cash tied up · about 0.3h of work
Read the Robinhood write-up: steps, timing, effective APY
APEX Fintech
Waitlist priority
→
The clearing firm behind many popular neobrokers. This link grants earlier access to the direct-to-consumer waitlist.
97.3% effective APY
$1,000 committed, about 60 days
Read the APEX Fintech write-up: steps, timing, effective APY
Acorns
$5 signup credit
→
Round-up investing app ($3 to $12 per month). $5 posts to your first Invest account after linking a funding source.
$20/hr for your time
No cash tied up · about 0.3h of work
Read the Acorns write-up: steps, timing, effective APY
Albert
Up to $200 in free stock
→
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.
$800/hr for your time
No cash tied up · about 0.3h of work
Read the Albert write-up: steps, timing, effective APY

Credit Cards

23 offers
Chase Sapphire 100K (Preferred or Reserve)
100,000 Chase Ultimate Rewards points (good for travel partners)
→
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.
$3,261/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Sapphire 100K (Preferred or Reserve) write-up: steps, timing, effective APY
Chase Sapphire Reserve
100,000 Chase Ultimate Rewards points
→
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.
$2,027/hr for your time
No cash tied up · about 0.6h of work
Read the Chase Sapphire Reserve write-up: steps, timing, effective APY
Chase Sapphire Preferred
60,000 Chase Ultimate Rewards points
→
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.
$3,261/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Sapphire Preferred write-up: steps, timing, effective APY
Chase Freedom Unlimited
$200 cashback + 5% on groceries first year
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Unlimited write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 1)
$200 cashback + 5% bonus categories
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Unlimited / Flex (alt link 1) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 2)
$200 cashback + 5% bonus categories
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Unlimited / Flex (alt link 2) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 3)
$200 cashback + 5% bonus categories
→
Third alternate Chase link for the Freedom family. Apply through whichever link shows the best bonus today. No annual fee, 5/24 rule applies.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Unlimited / Flex (alt link 3) write-up: steps, timing, effective APY
Chase Freedom Unlimited / Flex (alt link 4)
$200 cashback + 5% bonus categories
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Unlimited / Flex (alt link 4) write-up: steps, timing, effective APY
Chase Freedom Flex
$200 cashback + rotating 5% categories
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Chase Freedom Flex write-up: steps, timing, effective APY
Chase United Explorer
60,000 United MileagePlus miles
→
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.
$1,957/hr for your time
No cash tied up · about 0.4h of work
Read the Chase United Explorer write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 1)
60,000+ United MileagePlus miles
→
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.
$1,957/hr for your time
No cash tied up · about 0.4h of work
Read the Chase United MileagePlus (alt link 1) write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 2)
60,000+ United MileagePlus miles
→
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.
$1,957/hr for your time
No cash tied up · about 0.4h of work
Read the Chase United MileagePlus (alt link 2) write-up: steps, timing, effective APY
Chase United MileagePlus (alt link 3)
60,000+ United MileagePlus miles
→
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.
$1,957/hr for your time
No cash tied up · about 0.4h of work
Read the Chase United MileagePlus (alt link 3) write-up: steps, timing, effective APY
Amex Gold / Platinum (Personal)
80,000 to 175,000 Membership Rewards points
→
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.
$4,174/hr for your time
No cash tied up · about 0.4h of work
Read the Amex Gold / Platinum (Personal) write-up: steps, timing, effective APY
Delta SkyMiles Gold Amex
40,000 to 75,000 Delta SkyMiles
→
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).
$1,826/hr for your time
No cash tied up · about 0.4h of work
Read the Delta SkyMiles Gold Amex write-up: steps, timing, effective APY
Delta SkyMiles Gold (alt link)
40,000 to 75,000 Delta SkyMiles
→
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.
$1,826/hr for your time
No cash tied up · about 0.4h of work
Read the Delta SkyMiles Gold (alt link) write-up: steps, timing, effective APY
Amex Blue Cash Everyday
$200 statement credit
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Amex Blue Cash Everyday write-up: steps, timing, effective APY
Marriott Bonvoy Business Amex
3 Free Night Awards (up to 150K points value)
→
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.
$2,348/hr for your time
No cash tied up · about 0.4h of work
Read the Marriott Bonvoy Business Amex write-up: steps, timing, effective APY
Browse All Amex Cards
Elevated welcome offer on any Amex
→
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.
$4,174/hr for your time
No cash tied up · about 0.4h of work
Read the Browse All Amex Cards write-up: steps, timing, effective APY
Capital One Quicksilver
$200 cashback
→
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.
$522/hr for your time
No cash tied up · about 0.4h of work
Read the Capital One Quicksilver write-up: steps, timing, effective APY
Discover it Cash Back
Cashback Match (unlimited, first year)
→
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.
$1,304/hr for your time
No cash tied up · about 0.4h of work
Read the Discover it Cash Back write-up: steps, timing, effective APY
Discover it (alt link)
Cashback Match (unlimited, first year)
→
Alternate Discover it link. Same first-year Cashback Match, same 5% rotating categories. Use whichever link Discover shows the higher offer on today.
$1,304/hr for your time
No cash tied up · about 0.4h of work
Read the Discover it (alt link) write-up: steps, timing, effective APY
Prime Visa
$150 Amazon gift card on approval
→
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.
$391/hr for your time
No cash tied up · about 0.4h of work
Read the Prime Visa write-up: steps, timing, effective APY

Crypto

4 offers
Coinbase
$10 in Bitcoin
→
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.
$40/hr for your time
No cash tied up · about 0.3h of work
Read the Coinbase write-up: steps, timing, effective APY
Gemini
$15 in Bitcoin
→
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.
$60/hr for your time
No cash tied up · about 0.3h of work
Read the Gemini write-up: steps, timing, effective APY
Nexo
$25 in Bitcoin
→
Crypto interest and lending platform. $25 BTC after depositing $100 and holding 30 days. Interest paid daily, withdrawn any time.
$100/hr for your time
No cash tied up · about 0.3h of work
Read the Nexo write-up: steps, timing, effective APY
Crypto.com
$25 in CRO after card activation
→
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.
$100/hr for your time
No cash tied up · about 0.3h of work
Read the Crypto.com write-up: steps, timing, effective APY

Cashback & Money Apps

9 offers
Capital One Shopping
Targeted Shopping Rewards
→
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.
$0/hr for your time
No cash tied up · about 0.3h of work
Read the Capital One Shopping write-up: steps, timing, effective APY
Upside
Extra $0.15 per gallon on first fill-up + ongoing cashback
→
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.
$80/hr for your time
No cash tied up · about 0.3h of work
Read the Upside write-up: steps, timing, effective APY
Swagbucks
$10 bonus after $25 earned
→
Earn SB points for surveys, shopping portals, and offers. 100 SB equals $1. Cash out to PayPal or one of 500+ gift cards.
$40/hr for your time
No cash tied up · about 0.3h of work
Read the Swagbucks write-up: steps, timing, effective APY
Gopuff
$10 off first two orders
→
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.
$80/hr for your time
No cash tied up · about 0.3h of work
Read the Gopuff write-up: steps, timing, effective APY
PFS Buyers Club
Discount travel and tech perks
→
Membership marketplace with below-retail deals on cruises, resort stays, phones, and appliances through bulk buying power.
$80/hr for your time
No cash tied up · about 0.3h of work
Read the PFS Buyers Club write-up: steps, timing, effective APY
Wise
Zero fees on a transfer up to $500
→
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.
$300/hr for your time
No cash tied up · about 0.3h of work
Read the Wise write-up: steps, timing, effective APY
PayPal
Reward shown at signup
→
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.
$0/hr for your time
No cash tied up · about 0.3h of work
Read the PayPal write-up: steps, timing, effective APY
MoneyLion
Signup bonus on a qualifying direct deposit
→
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.
$80/hr for your time
No cash tied up · about 0.3h of work
Code$GladShaun228
Read the MoneyLion write-up: steps, timing, effective APY
Shopback
$30 signup bonus
→
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.
$120/hr for your time
No cash tied up · about 0.3h of work
Read the Shopback write-up: steps, timing, effective APY
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