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 you can earn without a direct deposit
62 offers · $19,214 on the table · best effective APY 97.3%
Most bank bonuses assume an employer payroll feed. These do not. Every offer below pays out on a deposit, a transfer, a trade, or a spend requirement you control yourself, which makes them the right starting point for freelancers, gig workers, retirees, and anyone paid outside a normal payroll system.
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
Up to $200
16.2% APY
381/hr for your time
Hold $3,000 avg · $50 per cycle · code START200.
Ease 6/10 · per cycleAug 30, 2026
Hold balanceDetails
16.2% effective APY
$3,000 committed, about 150 days
$200
6.6% APY
632/hr for your time
Hold $10,000 for 90 days (fund within 20).
Ease 5/10 · ~90 daysJul 30, 2026
Hold balanceDetails
6.6% effective APY
$10,000 committed, about 110 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
20,000 AA miles (~$280)
2.3% APY
884/hr for your time
Hold $50,000 average balance for 90 days.
Ease 3/10 · after 120 daysAug 31, 2026
Hold balanceDetails
2.3% effective APY
$50,000 committed, about 90 days
$200
2.0% APY
632/hr for your time
Hold $30,000 for 120 days.
Ease 4/10 · ~60 days afterJul 31, 2026
Hold balanceDetails
2.0% effective APY
$30,000 committed, about 120 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
$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
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 | 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 | Axos Basic Business Checking | Up to $200 | Hold $3,000 avg · $50 per cycle · code START200. | 2026-07-05 |
| 6 | TD Bank Signature Savings | $200 | Hold $10,000 for 90 days (fund within 20). | 2026-07-05 |
| 7 | Public Investing | $20 + 1% match | $20 per referral · 1% uncapped transfer match. | 2026-07-05 |
| 8 | 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 |
| 9 | Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2026-07-05 |
| 10 | Barclays Tiered Savings | $200 | Hold $30,000 for 120 days. | 2026-07-05 |
| 11 | J.P. Morgan Self-Directed Investing | Up to $1,000 | Fund new money, tiered. Top tier needs ~$250K held 90 days. | 2026-07-05 |
| 12 | Grasshopper Business Checking | $300 | Qualified first deposit of $100+. | 2026-07-05 |
| 13 | Upgrade Rewards Checking | $200 | 3 debit card purchases. No direct deposit required. | 2026-07-05 |
| 14 | Oregon State CU High-Rate Checking | Up to $600 / yr | Qualifying debit activity + eStatements for elevated APY tier. | 2026-07-05 |
| 15 | 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 |
| 16 | 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 |
| 17 | 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 |
| 18 | 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 |
| 19 | 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 |
| 20 | 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 |
| 21 | 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 |
| 22 | 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 |
| 23 | 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 |
| 24 | 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 |
| 25 | Associated Bank Business Checking | Invite bonus | Open Associated business checking via referral. | 2026-07-05 |
| 26 | Mercury Business Banking | Invite bonus | Open a Mercury business account through a referral. | 2026-07-05 |
| 27 | 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 |
| 28 | Robinhood Brokerage / IRA | Free stock + 3% match | Free gift stock + 3% IRA transfer match with Gold. | 2026-07-05 |
| 29 | 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 |
| 30 | Capital One Quicksilver Credit Card | $200 cashback bonus | Spend $500 on purchases within the first 3 months. | 2026-07-05 |
| 31 | 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 |
| 32 | 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 |
| 33 | 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 |
| 34 | 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 |
| 35 | Marcus by Goldman Sachs Online Savings | APY boost + cash | Bonus link boosts your APY plus a cash kicker. | 2026-07-05 |
| 36 | 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 |
| 37 | Tradier Brokerage | $99 | Open and fund a brokerage account. | 2026-07-05 |
| 38 | Wise Money Transfer | Fee-free transfer | Send £500+ in first transfer. | 2026-07-05 |
| 39 | Digital FCU (DCU) Membership | Invite bonus | Join DCU + qualifying activity. | 2026-07-05 |
| 40 | Origin Financial Planning | Up to lifetime access | Refer 1-3 friends for $50 Visa GCs; 3 unlocks lifetime access. | 2026-07-05 |
| 41 | inKind Restaurant Credit | $50 dining credit | Join inKind through the referral link and make your first restaurant order. | 2026-08-16 |
| 42 | Shopback Cashback App | $30 signup bonus | Sign up through the link and complete a first qualifying cashback purchase. | 2026-08-15 |
| 43 | Affinity FCU Credit Union | Invite bonus | Join Affinity FCU via referral. | 2026-07-05 |
| 44 | Crypto.com Crypto App | Highest signup bonus | Stake CRO tier via referral. | 2026-07-05 |
| 45 | Nexo Crypto Account | Signup bonus | Sign up + first qualifying deposit. | 2026-07-05 |
| 46 | 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 |
| 47 | 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 |
| 48 | Upside Gas & Grocery Cashback | Bonus + 15¢/gal | First purchase with promo code JS699. | 2026-07-05 |
| 49 | PFS Buyers Club Deals Membership | Membership credit | Register with referral code Q6EPKOTJ. | 2026-07-05 |
| 50 | 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 |
| 51 | 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 |
| 52 | Gemini Crypto Exchange | Signup bonus | Sign up + qualifying trade. | 2026-07-05 |
| 53 | Coinbase Crypto Exchange | $10 in BTC | Buy or sell $100 in any crypto. | 2026-07-05 |
| 54 | Swagbucks Surveys & Shopping | Signup bonus | Sign up + first activity. | 2026-07-05 |
| 55 | 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 |
| 56 | SoFi Credit Score Monitoring | Free credit monitoring | Create a free SoFi Relay account through an invite link and connect one account. | 2026-08-14 |
| 57 | Acorns Investing | $5 to start | Sign up and fund your first round-up. | 2026-07-05 |
| 58 | Privacy.com Virtual Cards | $5 card credit | Sign up and add a funding source. | 2026-07-05 |
| 59 | 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 |
| 60 | 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 |
| 61 | 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 |
| 62 | 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 |
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