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Credit card sign up bonuses, valued in real dollars

Updated August 2026 · 13 live offers · last full review 2026-07-07

A credit card sign up bonus pays cash back, points, or miles after you spend a set amount within the first few months. Current offers run from about $200 to over $1,000 in value. What matters is the value net of the annual fee and the spend you would not have made anyway.

Cards pay the biggest bonuses on the site, and they also carry the only real risk: a hard credit pull, an annual fee, and interest if you carry a balance. Every card below shows the spend requirement first, so you can rule out anything you cannot hit without buying things you do not need.

Offers tracked
13
Biggest payout
$1,600
Top effective APY
n/a
No direct deposit
13 offers
Credit Card• Bonus live

Chase Sapphire Preferred

Credit Card
60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)
Match

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).

Ease 6/10 · Points post 6 to 8 weeks after you hit the spend requirementNo expiration
Bonus / match
Details
Bonus linkGet 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) at Chase Sapphire Preferred→
Credit Card• Bonus live

Chase Sapphire Reserve

Credit Card
100,000 Ultimate Rewards points
Match

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.

Ease 5/10 · 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / match
Details
Bonus linkGet 100,000 Ultimate Rewards points at Chase Sapphire Reserve→
Return on parked cash

Effective APY on these offers

Bonus divided by the money you must hold, annualized over the hold period.

Headline dollars

Biggest payouts here

Raw bonus size, before accounting for the cash you have to move.

Every offer at a glance

OfferBonusRequirementEffective APYChecked
Chase Sapphire Preferred Credit Card60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)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).n/a2026-07-05
Chase United Explorer Credit Card60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.n/a2026-07-05
American Express (Gold / Platinum) Personal Charge Card80,000 to 175,000 Amex Membership Rewards pointsSpend $6,000 in 6 months on Gold, or $8,000 in 6 months on Platinum. Amex 'once per lifetime' rule per card product applies.n/a2026-07-05
Discover it Cash Back Credit CardUnlimited Cashback MatchSimply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap.n/a2026-07-05
Chase Sapphire Reserve Credit Card100,000 Ultimate Rewards pointsApply 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.n/a2026-08-14
Delta SkyMiles Gold American Express Airline Credit Card40,000 to 75,000 Delta SkyMilesSpend $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.n/a2026-08-14
Marriott Bonvoy Business American Express Hotel Credit Card3 Free Night Awards (up to 50,000 points each)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.n/a2026-08-14
Bank of America Travel Rewards Credit Card25,000 online bonus pointsApply 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.n/a2026-08-14
Chase Freedom Unlimited / Freedom Flex Credit Card$200 cashback + 5% grocery bonus for year oneSpend $500 on purchases within the first 3 months. Chase 5/24 rule applies.n/a2026-07-05
Capital One Quicksilver Credit Card$200 cashback bonusSpend $500 on purchases within the first 3 months.n/a2026-07-05
Bank of America Customized Cash Rewards Credit Card$200 online cash rewardsApply 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.n/a2026-08-14
American Express Blue Cash Everyday Cashback Credit Card$200 statement creditSpend $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.n/a2026-08-14
Prime Visa (Amazon) Credit Card$150 Amazon gift card, credited instantly on approvalGet approved for the Prime Visa (requires an active Amazon Prime membership).n/a2026-07-05

Questions people ask

Do credit card bonuses hurt my credit score?

Each application is a hard pull, which usually costs a few points for a year. Average age of accounts also drops. If you pay in full every month and space applications out, most people see their score recover within months.

What is the 5/24 rule?

Chase generally denies applications from anyone who has opened five or more personal credit cards from any issuer in the last 24 months. It is unofficial but consistently enforced, so most people start with Chase cards before anything else.

Are credit card bonuses taxable?

Sign up bonuses earned through spending are treated as a rebate, not income, so they are generally not taxable. Bonuses paid just for opening an account with no spend, and some referral bonuses, can be reported on a 1099.

How much are points actually worth?

Depends on the program. Transferable points like Chase Ultimate Rewards or Amex Membership Rewards are commonly worth 1 to 2 cents each when transferred to airline and hotel partners, and about 1 cent as statement credit. We value conservatively.

See every answer in the FAQ

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Every offer a brand is running right now.

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Master bonus wall

Every account, one place

60+ 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

10 offers
Ally Bank
$100 cash
→
Open Ally Spending or Savings with a qualifying deposit. Bonus posts once the balance is verified. No monthly fee, no minimum balance, and 24/7 US-based support.
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.
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.
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.
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.
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.
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.
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.
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.
Read the Affinity Federal 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.
Read the Amex Rewards Checking write-up: steps, timing, effective APY

Brokerage & Investing

9 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.
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.
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.
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.
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.
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.
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.
Read the Acorns write-up: steps, timing, effective APY
Spruce by H&R Block
$50 cash bonus
→
Mobile-first spending + savings account from H&R Block. $50 posts after a $200+ qualifying direct deposit within 45 days. No monthly fee, no overdraft fees, early paycheck access.
Read the Spruce by H&R Block write-up: steps, timing, effective APY
Spruce (alt link)
$50 cash bonus
→
Alternate Spruce link. Same $50 bonus after a qualifying direct deposit. Use if the primary link expires.
Read the Spruce (alt link) write-up: steps, timing, effective APY

Credit Cards

23 offers
Chase Sapphire 100K (Preferred or Reserve)
100,000 Chase Ultimate Rewards points
→
New offer page giving 100,000 Chase Ultimate Rewards points 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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.
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.
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.
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.
Read the Prime Visa write-up: steps, timing, effective APY

Crypto

5 offers
OKX
$150 free crypto
→
Sign up through the link, complete identity verification, and OKX deposits up to $150 in free crypto into your account. No deposit required to start - the biggest no-capital crypto bonus on the board.
Read the OKX write-up: steps, timing, effective APY
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.
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.
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.
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.
Read the Crypto.com write-up: steps, timing, effective APY

Cashback & Money Apps

9 offers
Capital One Shopping
$10 gift-card credit
→
Free browser extension (no Capital One account required). Auto-applies coupon codes at checkout and price-compares Amazon third-party sellers. Signup credit posts after your first qualifying purchase.
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.
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.
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.
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.
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.
Read the Wise write-up: steps, timing, effective APY
PayPal
$10 for you after sending $5
→
Send $5 or more to a friend or business within 30 days of signup and receive $10 in your PayPal balance. Cash out to any linked bank. We earn $100 once a referred friend spends $5.
Read the PayPal write-up: steps, timing, effective APY
MoneyLion
Signup bonus on a qualifying direct deposit
→
All-in-one money app: fee-free RoarMoney checking, up to two-day early direct deposit, 0% APR Instacash advances, and automated investing. Start from the link so the bonus code is applied for you, then complete signup in the same session.
Code$GladShaun228Read 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.
Read the Shopback write-up: steps, timing, effective APY