$350
284% APY
1,000/hr for your time
Direct deposits totaling $500+ within 90 days.
Ease 7/10 · ~10 business daysNo expiration
Direct depositDetails
284% effective APY
$500 committed, about 90 days
Bonuses you can start today in under an hour
48 offers · $8,169 on the table · best effective APY 284%
Low friction, low capital, quick to finish. If you have an hour and a phone, start here.
$250
203% APY
500/hr for your time
Two direct deposits of $500+ in 75 days. Code CHECKING250.
Ease 7/10 · ~60 daysNo expiration
Direct depositDetails
203% effective APY
$500 committed, about 90 days
$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
$110 cash bonus
134% APY
314/hr for your time
Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules.
Ease 7/10 · after the 60-day qualification periodNo expiration
Direct depositDetails
134% effective APY
$500 committed, about 60 days
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
$300
$706/hr
No money tied up
Qualified first deposit of $100+.
Ease 8/10 · after qualifyingNo expiration
Direct depositDetails
$706/hr for your time
No cash tied up · about 0.4h of work
$200
$800/hr
No money tied up
3 debit card purchases. No direct deposit required.
Ease 9/10 · after activityNo expiration
Direct depositDetails
$800/hr for your time
No cash tied up · about 0.3h of work
$50 Amazon GC
$143/hr
No money tied up
Open checking + qualifying activity.
Ease 8/10 · after activityNo expiration
Direct depositDetails
$143/hr for your time
No cash tied up · about 0.3h of work
20,000 Amex Membership Rewards points
$571/hr
No money tied up
Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days.
Ease 7/10 · Points post about 8 weeks after the requirement is metNo expiration
Direct depositDetails
$571/hr for your time
No cash tied up · about 0.3h 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
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
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
Invite 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
Up to $200 in free stock
$800/hr
No money tied up
Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account.
Ease 9/10 · shares granted after you open and fund the accountNo expiration
Bonus / matchDetails
$800/hr for your time
No cash tied up · about 0.3h 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
APY boost + cash
$400/hr
No money tied up
Bonus link boosts your APY plus a cash kicker.
Ease 9/10 · after fundingNo expiration
Bonus / matchDetails
$400/hr for your time
No cash tied up · about 0.3h of work
$100 cash bonus
$286/hr
No money tied up
Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months.
Ease 7/10 · after completing three qualifying monthsDec 31, 2026
Bonus / matchDetails
$286/hr for your time
No cash tied up · about 0.3h of work
Every offer in this list
| # | Offer | Pays | Requirement | Checked |
|---|---|---|---|---|
| 1 | Fifth Third Momentum Checking | $350 | Direct deposits totaling $500+ within 90 days. | 2026-07-05 |
| 2 | Capital One 360 Checking | $250 | Two direct deposits of $500+ in 75 days. Code CHECKING250. | 2026-07-05 |
| 3 | Chase Total Checking | $400 | Direct deposit $1,000 within 90 days of opening. | 2026-07-05 |
| 4 | Lake Michigan Credit Union Max Checking | $110 cash bonus | Open checking through the referral and maintain recurring direct deposits totaling at least $500 for 60 days. New members must meet LMCU eligibility rules. | 2026-09-18 |
| 5 | Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 2026-07-05 |
| 6 | Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | 2026-07-05 |
| 7 | Upgrade Rewards Checking | $200 | 3 debit card purchases. No direct deposit required. | 2026-07-05 |
| 8 | Securityplus FCU Checking | $50 Amazon GC | Open checking + qualifying activity. | 2026-07-05 |
| 9 | American Express National Bank Rewards Checking | 20,000 Amex Membership Rewards points | Open Rewards Checking and receive qualifying direct deposits totaling the amount stated in the offer terms within the first 60 days. | 2026-08-14 |
| 10 | 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 |
| 11 | 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 |
| 12 | 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 |
| 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 | Mercury Business Banking | Invite bonus | Open a Mercury business account through a referral. | 2026-07-05 |
| 15 | 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 |
| 16 | Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | 2026-07-05 |
| 17 | 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 |
| 18 | Capital One Quicksilver Credit Card | $200 cashback bonus | Spend $500 on purchases within the first 3 months. | 2026-07-05 |
| 19 | Albert Cash Account and Investing | Up to $200 in free stock | Open an Albert account through the invite link and fund it. Free fractional shares in large American companies such as Nvidia, Alphabet (Google), Amazon and Apple are granted to the investing account. | 2026-08-28 |
| 20 | 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 |
| 21 | 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 |
| 22 | 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 |
| 23 | Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | 2026-07-05 |
| 24 | Ally Bank Savings + Checking | $100 cash bonus | Enroll through the invite by December 31, 2026, open eligible Ally Savings or Spending within 30 days, and complete qualifying transfers or direct deposits for three consecutive months. | 2026-09-18 |
| 25 | Tradier Brokerage | $99 | Open and fund a brokerage account. | 2026-07-05 |
| 26 | Wise Money Transfer | Fee-free transfer | Send £500+ in first transfer. | 2026-07-05 |
| 27 | Digital FCU (DCU) Membership | Invite bonus | Join DCU + qualifying activity. | 2026-07-05 |
| 28 | inKind Restaurant Credit | $50 dining credit | Join inKind through the referral link and make your first restaurant order. | 2026-08-16 |
| 29 | Shopback Cashback App | $30 signup bonus | Sign up through the link and complete a first qualifying cashback purchase. | 2026-08-15 |
| 30 | Affinity FCU Credit Union | Invite bonus | Join Affinity FCU via referral. | 2026-07-05 |
| 31 | Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | 2026-07-05 |
| 32 | 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 |
| 33 | 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 |
| 34 | Upside Gas & Grocery Cashback | Bonus + 15¢/gal | First purchase with promo code JS699. | 2026-07-05 |
| 35 | PFS Buyers Club Deals Membership | Membership credit | Register with referral code Q6EPKOTJ. | 2026-07-05 |
| 36 | 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 |
| 37 | 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 |
| 38 | Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | 2026-07-05 |
| 39 | Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | 2026-07-05 |
| 40 | Swagbucks Surveys & Shopping | Signup bonus | Sign up + first activity. | 2026-07-05 |
| 41 | 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 |
| 42 | SoFi Credit Score Monitoring | Free credit monitoring | Create a free SoFi Relay account through an invite link and connect one account. | 2026-08-14 |
| 43 | Acorns Investing | $5 to start | Sign up and fund your first round-up. | 2026-07-05 |
| 44 | Privacy.com Virtual Cards | $5 card credit | Sign up and add a funding source. | 2026-07-05 |
| 45 | PayPal Payments | Reward shown at signup | Open the invite, link an eligible payment method, and complete the qualifying activity PayPal shows. The amount and deadline vary, so confirm both before continuing. | 2026-09-18 |
| 46 | Capital One Shopping Browser Extension | Targeted Shopping Rewards | Install through the invite and complete the activity shown at signup. Reward amounts vary by visitor and are paid as Shopping Rewards, not cash. | 2026-09-18 |
| 47 | Airbnb Travel Credit | Offer shown by Airbnb | Open the invite and confirm the program, reward, qualifying action, and expiration Airbnb shows. The former general guest travel-credit program is no longer a safe assumption. | 2026-09-18 |
| 48 | Raisin Savings Marketplace | Code-based offer | Enter invite code shauna068155 if Raisin presents a referral-code field, then confirm the live deposit and holding requirements before funding. | 2026-09-18 |
Other ways to slice this
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