$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 · $8,149 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
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
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
$150 free crypto
$545/hr
No money tied up
Create an OKX account through the referral link and complete identity verification. No deposit required for the base reward.
Ease 9/10 · after verificationNo expiration
Bonus / matchDetails
$545/hr for your time
No cash tied up · about 0.3h 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
Referral bonus
$400/hr
No money tied up
Open a qualifying Ally account with a referral code.
Ease 9/10 · after fundingNo expiration
Bonus / matchDetails
$400/hr for your time
No cash tied up · about 0.3h of work
$99
$396/hr
No money tied up
Open and fund a brokerage account.
Ease 7/10 · after fundingNo expiration
Bonus / matchDetails
$396/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 | Webull Brokerage / IRA | Up to $160 + 12 shares | First deposit $1,000+ (paid in installments), or 3% IRA match. | 2026-07-05 |
| 5 | Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | 2026-07-05 |
| 6 | Upgrade Rewards Checking | $200 | 3 debit card purchases. No direct deposit required. | 2026-07-05 |
| 7 | Securityplus FCU Checking | $50 Amazon GC | Open checking + qualifying activity. | 2026-07-05 |
| 8 | 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 |
| 9 | 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 |
| 10 | 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 |
| 11 | 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 |
| 12 | 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 |
| 13 | Mercury Business Banking | Referral bonus | Open a Mercury business account through a referral. | 2026-07-05 |
| 14 | 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 |
| 15 | Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | 2026-07-05 |
| 16 | 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 |
| 17 | Capital One Quicksilver Credit Card | $200 cashback bonus | Spend $500 on purchases within the first 3 months. | 2026-07-05 |
| 18 | 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 |
| 19 | 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 |
| 20 | 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 |
| 21 | 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 |
| 22 | Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | 2026-07-05 |
| 23 | Ally Bank Savings + Checking | Referral bonus | Open a qualifying Ally account with a referral code. | 2026-07-05 |
| 24 | Tradier Brokerage | $99 | Open and fund a brokerage account. | 2026-07-05 |
| 25 | Wise Money Transfer | Fee-free transfer | Send £500+ in first transfer. | 2026-07-05 |
| 26 | Digital FCU (DCU) Membership | Referral bonus | Join DCU + qualifying activity. | 2026-07-05 |
| 27 | inKind Restaurant Credit | $50 dining credit | Join inKind through the referral link and make your first restaurant order. | 2026-08-16 |
| 28 | Raisin Savings Marketplace | High-yield accounts | Sign up with the Churnables invite code + fund an account. | 2026-07-05 |
| 29 | Airbnb Travel Credit | Travel credit | New Airbnb account books a qualifying stay. | 2026-07-05 |
| 30 | Shopback Cashback App | $30 signup bonus | Sign up through the link and complete a first qualifying cashback purchase. | 2026-08-15 |
| 31 | Affinity FCU Credit Union | Referral bonus | Join Affinity FCU via referral. | 2026-07-05 |
| 32 | Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | 2026-07-05 |
| 33 | Albert Banking App | Referral bonus | Sign up + fund account. | 2026-07-05 |
| 34 | 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 |
| 35 | 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 |
| 36 | Upside Gas & Grocery Cashback | Bonus + 15¢/gal | First purchase with promo code JS699. | 2026-07-05 |
| 37 | PFS Buyers Club Deals Membership | Membership credit | Register with referral code Q6EPKOTJ. | 2026-07-05 |
| 38 | 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 |
| 39 | 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 |
| 40 | Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | 2026-07-05 |
| 41 | Capital One Shopping Browser Extension | Coupons + price compare | Install and complete first activity. | 2026-07-05 |
| 42 | Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | 2026-07-05 |
| 43 | PayPal Payments | $10 when friend spends $5 | Referred user spends $5 within 30 days. | 2026-07-05 |
| 44 | Swagbucks Surveys & Shopping | Signup bonus | Sign up + first activity. | 2026-07-05 |
| 45 | 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 |
| 46 | SoFi Credit Score Monitoring | Free credit monitoring | Create a free SoFi Relay account through an invite link and connect one account. | 2026-08-14 |
| 47 | Acorns Investing | $5 to start | Sign up and fund your first round-up. | 2026-07-05 |
| 48 | 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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