$400
162% APY
533/hr for your time
Direct deposit $1,000 within 90 days of opening.
Ease 7/10 · ~15 days after DDEnds in 8d
Direct depositDetails
162% effective APY
$1,000 committed, about 90 days
The largest sign-up bonuses we track
21 offers · $16,400 on the table · best effective APY 162%
The biggest headline numbers in America right now. Large bonuses usually mean larger deposits or heavier requirements, so each row shows the capital and the hold time next to the payout.
$50 - $400
32.4% APY
686/hr for your time
Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days.
Ease 8/10 · 2-4 weeks after DD postsDec 31, 2026
Direct depositDetails
32.4% effective APY
$5,000 committed, about 90 days
Up to $400
32.4% APY
1,143/hr for your time
Direct deposit $500 / $2k / $5k for $100 / $200 / $400.
Ease 6/10 · 60-90 daysAug 31, 2026
Direct depositDetails
32.4% effective APY
$5,000 committed, about 90 days
Up to $750
30.4% APY
1,429/hr for your time
Hold $5k ($400) or $15k ($750) ~60 days.
Ease 4/10 · ~60 daysNo expiration
Hold balanceDetails
30.4% effective APY
$15,000 committed, about 60 days
$1,200
29.2% APY
2,286/hr for your time
Hold $25,000 new money 60 days + 6 qualifying transactions.
Ease 3/10 · ~30 days afterAug 30, 2026
Hold balanceDetails
29.2% effective APY
$25,000 committed, about 60 days
Up to $500
20.3% APY
750/hr for your time
Direct deposit $2k / $5k / $10k for $100 / $300 / $500.
Ease 6/10 · ~60 daysSep 30, 2026
Direct depositDetails
20.3% effective APY
$10,000 committed, about 90 days
Up to $1,000 in NVDA
20.3% APY
2,000/hr for your time
Tiered NVDA shares by deposit + 8.1% APY sweep on cash.
Ease 6/10 · variesNo expiration
Bonus / matchDetails
20.3% effective APY
$30,000 committed, about 60 days
$20 + 1% match
6.1% APY
2,000/hr for your time
$20 per referral · 1% uncapped transfer match.
Ease 8/10 · after depositNo expiration
Bonus / matchDetails
6.1% effective APY
$50,000 committed, about 60 days
$100 - $1,000
4.0% APY
2,264/hr for your time
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
4.0% effective APY
$25,000 committed, about 365 days
Up to $1,000
1.6% APY
1,500/hr for your time
Fund new money, tiered. Top tier needs ~$250K held 90 days.
Ease 5/10 · ~15 days after qualifyingEnds in 14d
Hold balanceDetails
1.6% effective APY
$250,000 committed, about 90 days
Up to $600 / yr
$2,400/hr
No money tied up
Qualifying debit activity + eStatements for elevated APY tier.
Ease 6/10 · monthly interestNo expiration
Direct depositDetails
$2,400/hr for your time
No cash tied up · about 0.3h of work
60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)
$3,261/hr
No money tied up
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 / matchDetails
$3,261/hr for your time
No cash tied up · about 0.4h of work
60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)
$1,957/hr
No money tied up
Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.
Ease 7/10 · Miles post 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,957/hr for your time
No cash tied up · about 0.4h of work
$500 statement credit
$833/hr
No money tied up
Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify.
Ease 6/10 · Statement credit posts 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$833/hr for your time
No cash tied up · about 0.6h of work
80,000 to 175,000 Amex Membership Rewards points
$4,174/hr
No money tied up
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.
Ease 7/10 · Points post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$4,174/hr for your time
No cash tied up · about 0.4h of work
Unlimited Cashback Match
$1,304/hr
No money tied up
Simply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap.
Ease 8/10 · Full match posts about 1 to 2 months after your first cardmember anniversaryNo expiration
Bonus / matchDetails
$1,304/hr for your time
No cash tied up · about 0.4h of work
$500 statement credit
$833/hr
No money tied up
Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days.
Ease 5/10 · Credit posts to the account 4 to 6 weeks after qualifying spend clearsNo expiration
Bonus / matchDetails
$833/hr for your time
No cash tied up · about 0.6h of work
100,000 Ultimate Rewards points
$2,027/hr
No money tied up
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 / matchDetails
$2,027/hr for your time
No cash tied up · about 0.6h of work
40,000 to 75,000 Delta SkyMiles
$1,826/hr
No money tied up
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.
Ease 7/10 · Miles post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,826/hr for your time
No cash tied up · about 0.4h of work
50,000 to 75,000 Delta SkyMiles
$1,826/hr
No money tied up
Spend $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.
Ease 6/10 · Miles post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,826/hr for your time
No cash tied up · about 0.4h of work
3 Free Night Awards (up to 50,000 points each)
$2,348/hr
No money tied up
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.
Ease 6/10 · Free Night Awards post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$2,348/hr for your time
No cash tied up · about 0.4h of work
Every offer in this list
| # | Offer | Pays | Requirement | Checked |
|---|---|---|---|---|
| 1 | Chase Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | 2026-07-05 |
| 2 | SoFi Checking & Savings | $50 - $400 | Direct deposit $1,000 for $50, or $5,000 for the full $400 within 25 days. | 2026-07-05 |
| 3 | PNC Virtual Wallet | Up to $400 | Direct deposit $500 / $2k / $5k for $100 / $200 / $400. | 2026-07-05 |
| 4 | Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 2026-07-05 |
| 5 | U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 2026-07-05 |
| 6 | Bank of America Advantage Banking | Up to $500 | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. | 2026-07-05 |
| 7 | Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | Tiered NVDA shares by deposit + 8.1% APY sweep on cash. | 2026-07-05 |
| 8 | Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 2026-07-05 |
| 9 | 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. | 2026-08-14 |
| 10 | J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 2026-07-05 |
| 11 | Oregon State CU High-Rate Checking | Up to $600 / yr | Qualifying debit activity + eStatements for elevated APY tier. | 2026-07-05 |
| 12 | Chase Sapphire Preferred Credit Card | 60,000 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). | 2026-07-05 |
| 13 | Chase United Explorer Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies. | 2026-07-05 |
| 14 | Amex Blue Business Cash Credit Card | $500 statement credit | Spend $5,000 on purchases within the first 6 months. LLC, sole prop, freelancer, or side hustle all qualify. | 2026-07-05 |
| 15 | American Express (Gold / Platinum) Personal Charge Card | 80,000 to 175,000 Amex Membership Rewards points | 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. | 2026-07-05 |
| 16 | Discover it Cash Back Credit Card | Unlimited Cashback Match | Simply use the card during your first 12 months. Discover automatically matches every dollar of cashback you earned, with no cap. | 2026-07-05 |
| 17 | BILL Spend & Expense (formerly Divvy) Business Charge Card | $500 statement credit | Approved for a BILL business card and post $10,000 in qualifying spend within the first 90 days. | 2026-07-05 |
| 18 | Chase Sapphire Reserve Credit Card | 100,000 Ultimate Rewards points | 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. | 2026-08-14 |
| 19 | Delta SkyMiles Gold American Express Airline Credit Card | 40,000 to 75,000 Delta SkyMiles | 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. | 2026-08-14 |
| 20 | Delta SkyMiles Gold Business American Express Business Airline Credit Card | 50,000 to 75,000 Delta SkyMiles | Spend $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. | 2026-08-16 |
| 21 | Marriott Bonvoy Business American Express Hotel Credit Card | 3 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. | 2026-08-14 |
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