Up to $160 + 12 shares
97.3% APY
640/hr for your time
First deposit $1,000+ (paid in installments), or 3% IRA match.
Ease 7/10 · installmentsAug 15, 2026
Bonus / matchDetails
97.3% effective APY
$1,000 committed, about 60 days
Bonuses that pay out fastest
59 offers · $15,674 on the table · best effective APY 97.3%
If you need the money soon, hold time matters more than headline size. These offers release the bonus quickest, measured from the day you finish the requirement.
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 $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
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
Referral bonus
$706/hr
No money tied up
Open Associated business checking via referral.
Ease 5/10 · after activityNo expiration
Bonus / matchDetails
$706/hr for your time
No cash tied up · about 0.4h of work
Referral bonus
$588/hr
No money tied up
Open a Mercury business account through a referral.
Ease 7/10 · after fundingNo expiration
Bonus / matchDetails
$588/hr for your time
No cash tied up · about 0.4h of work
25,000 online bonus points
$652/hr
No money tied up
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.
Ease 7/10 · 8 to 12 weeks after the spend postsNo expiration
Bonus / matchDetails
$652/hr for your time
No cash tied up · about 0.4h of work
Free stock + 3% match
$800/hr
No money tied up
Free gift stock + 3% IRA transfer match with Gold.
Ease 9/10 · variesNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h of work
$200 cashback + 5% grocery bonus for year one
$522/hr
No money tied up
Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies.
Ease 9/10 · Bonus posts 1 to 2 statements after you hit the spend requirementNo expiration
Bonus / matchDetails
$522/hr for your time
No cash tied up · about 0.4h of work
$200 cashback bonus
$522/hr
No money tied up
Spend $500 on purchases within the first 3 months.
Ease 9/10 · Cashback posts 1 to 2 statements after you hit the spend requirementNo expiration
Bonus / matchDetails
$522/hr for your time
No cash tied up · about 0.4h of work
$200 online cash rewards
$522/hr
No money tied up
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.
Ease 7/10 · 8 to 12 weeks after the spend postsNo expiration
Bonus / matchDetails
$522/hr for your time
No cash tied up · about 0.4h of work
$200 statement credit
$522/hr
No money tied up
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.
Ease 8/10 · Statement credit posts 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$522/hr for your time
No cash tied up · about 0.4h of work
$150 Amazon gift card, credited instantly on approval
$391/hr
No money tied up
Get approved for the Prime Visa (requires an active Amazon Prime membership).
Ease 9/10 · Gift card credits to your Amazon account within minutes of approvalNo expiration
Bonus / matchDetails
$391/hr for your time
No cash tied up · about 0.4h of work
Every offer in this list
| # | Offer | Pays | Requirement | Checked |
|---|---|---|---|---|
| 1 | Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 2026-07-05 |
| 2 | Bank of America Business Advantage Banking | Up to $750 | Hold $5k ($400) or $15k ($750) ~60 days. | 2026-07-05 |
| 3 | U.S. Bank Platinum Business Checking | $1,200 | Hold $25,000 new money 60 days + 6 qualifying transactions. | 2026-07-05 |
| 4 | Moomoo Brokerage + Cash Sweep | Up to $1,000 in NVDA | Tiered NVDA shares by deposit + 8.1% APY sweep on cash. | 2026-07-05 |
| 5 | Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 2026-07-05 |
| 6 | 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 |
| 7 | 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 |
| 8 | 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 |
| 9 | 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 |
| 10 | 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 |
| 11 | 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 |
| 12 | 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 |
| 13 | 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 |
| 14 | 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 |
| 15 | 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 |
| 16 | Associated Bank Business Checking | Referral bonus | Open Associated business checking via referral. | 2026-07-05 |
| 17 | Mercury Business Banking | Referral bonus | Open a Mercury business account through a referral. | 2026-07-05 |
| 18 | Bank of America Travel Rewards Credit Card | 25,000 online bonus points | 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. | 2026-08-14 |
| 19 | Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | 2026-07-05 |
| 20 | Chase Freedom Unlimited / Freedom Flex Credit Card | $200 cashback + 5% grocery bonus for year one | Spend $500 on purchases within the first 3 months. Chase 5/24 rule applies. | 2026-07-05 |
| 21 | Capital One Quicksilver Credit Card | $200 cashback bonus | Spend $500 on purchases within the first 3 months. | 2026-07-05 |
| 22 | Bank of America Customized Cash Rewards Credit Card | $200 online cash rewards | 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. | 2026-08-14 |
| 23 | American Express Blue Cash Everyday Cashback Credit Card | $200 statement credit | 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. | 2026-08-14 |
| 24 | Prime Visa (Amazon) Credit Card | $150 Amazon gift card, credited instantly on approval | Get approved for the Prime Visa (requires an active Amazon Prime membership). | 2026-07-05 |
| 25 | OKX Crypto Exchange Signup | $150 free crypto | Create an OKX account through the referral link and complete identity verification. No deposit required for the base reward. | 2026-08-16 |
| 26 | Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | 2026-07-05 |
| 27 | Ally Bank Savings + Checking | Referral bonus | Open a qualifying Ally account with a referral code. | 2026-07-05 |
| 28 | Associated Bank Personal Checking | Referral bonus | Open Associated personal checking via referral. | 2026-07-05 |
| 29 | Lofty Tokenized Real Estate | $100 referral reward | Open a Lofty account through an invite link and complete a first qualifying property purchase. | 2026-08-14 |
| 30 | Tradier Brokerage | $99 | Open and fund a brokerage account. | 2026-07-05 |
| 31 | Wise Money Transfer | Fee-free transfer | Send £500+ in first transfer. | 2026-07-05 |
| 32 | Wings Financial Credit Union Checking | $50 | Open Wings checking via referral + qualifying activity. | 2026-07-05 |
| 33 | Digital FCU (DCU) Membership | Referral bonus | Join DCU + qualifying activity. | 2026-07-05 |
| 34 | OnPath FCU Credit Union Checking | Referral bonus | Open OnPath checking via referral. | 2026-07-05 |
| 35 | Origin Financial Planning | Up to lifetime access | Refer 1-3 friends for $50 Visa GCs; 3 unlocks lifetime access. | 2026-07-05 |
| 36 | inKind Restaurant Credit | $50 dining credit | Join inKind through the referral link and make your first restaurant order. | 2026-08-16 |
| 37 | Raisin Savings Marketplace | High-yield accounts | Sign up with the Churnables invite code + fund an account. | 2026-07-05 |
| 38 | Wings Financial Virtual Visa Reward | $50 virtual Visa | Referred friend opens a qualifying Wings account and completes the required activity. Wings pays the reward as a virtual Visa gift card. | 2026-08-14 |
| 39 | Airbnb Travel Credit | Travel credit | New Airbnb account books a qualifying stay. | 2026-07-05 |
| 40 | Shopback Cashback App | $30 signup bonus | Sign up through the link and complete a first qualifying cashback purchase. | 2026-08-15 |
| 41 | Affinity FCU Credit Union | Referral bonus | Join Affinity FCU via referral. | 2026-07-05 |
| 42 | Crypto.com Crypto App | Highest signup bonus | Stake CRO tier via referral. | 2026-07-05 |
| 43 | Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | 2026-07-05 |
| 44 | Albert Banking App | Referral bonus | Sign up + fund account. | 2026-07-05 |
| 45 | SoFi Active Invest Brokerage | Up to $1,000 in stock | 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. | 2026-08-14 |
| 46 | Fundrise Real Estate Investing | $25 bonus investment | Open a Fundrise account through an invite link and make a first investment of at least $10. | 2026-08-14 |
| 47 | Upside Gas & Grocery Cashback | Bonus + 15¢/gal | First purchase with promo code JS699. | 2026-07-05 |
| 48 | PFS Buyers Club Deals Membership | Membership credit | Register with referral code Q6EPKOTJ. | 2026-07-05 |
| 49 | MoneyLion Mobile Banking App | Signup reward | Join MoneyLion and enter the RoarTag during signup, then complete the qualifying account setup MoneyLion asks for. | 2026-08-14 |
| 50 | Gopuff Delivery App Credit | $10 off each of your first two orders | Create an account through a referral link and place two qualifying orders that meet the stated minimum. | 2026-08-14 |
| 51 | Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | 2026-07-05 |
| 52 | Capital One Shopping Browser Extension | Coupons + price compare | Install and complete first activity. | 2026-07-05 |
| 53 | Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | 2026-07-05 |
| 54 | PayPal Payments | $10 when friend spends $5 | Referred user spends $5 within 30 days. | 2026-07-05 |
| 55 | Swagbucks Surveys & Shopping | Signup bonus | Sign up + first activity. | 2026-07-05 |
| 56 | SoFi Crypto Account | Bonus crypto on first trade | Open a SoFi crypto account through an invite link and place a first qualifying trade. | 2026-08-14 |
| 57 | SoFi Credit Score Monitoring | Free credit monitoring | Create a free SoFi Relay account through an invite link and connect one account. | 2026-08-14 |
| 58 | Acorns Investing | $5 to start | Sign up and fund your first round-up. | 2026-07-05 |
| 59 | Privacy.com Virtual Cards | $5 card credit | Sign up and add a funding source. | 2026-07-05 |
Other ways to slice this
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