What it pays, what they make you do, how long your money sits in a hostage situation, and whether the hour is worth it. Updated the moment a bank changes its mind.
Follow the RSS feedAlbert is handing new American members up to $200 of free fractional shares in big-name companies such as Nvidia, Alphabet (Google), Amazon and Apple after you open and fund the account. Here is what it takes, what the shares are really worth, and the fine print.
SoFi pays $50 - $400 on the Checking & Savings. Here is the requirement, the hold time, the effective return and what it works out to per hour ($686/hr).
Moomoo pays Up to $1,000 in NVDA on the Brokerage + Cash Sweep. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,000/hr).
Webull pays Up to $160 + 12 shares on the Brokerage / IRA. Here is the requirement, the hold time, the effective return and what it works out to per hour ($640/hr).
Robinhood pays Free stock + 3% match on the Brokerage / IRA. Here is the requirement, the hold time, the effective return and what it works out to per hour ($800/hr).
Tradier pays $99 on the Brokerage. Here is the requirement, the hold time, the effective return and what it works out to per hour ($396/hr).
Suncoast Credit Union pays $100 on the Member Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($286/hr).
U.S. Eagle Federal Credit Union pays $50 cash each on the Personal Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($143/hr).
Oregon State CU pays Up to $600 / yr on the High-Rate Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,400/hr).
Marcus by Goldman Sachs pays APY boost + cash on the Online Savings. Here is the requirement, the hold time, the effective return and what it works out to per hour ($400/hr).
Ally Bank pays Referral bonus on the Savings + Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($400/hr).
Mercury pays Referral bonus on the Business Banking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($588/hr).
Wings Financial pays $50 on the Credit Union Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($143/hr).
Digital FCU (DCU) pays Referral bonus on the Membership. Here is the requirement, the hold time, the effective return and what it works out to per hour ($200/hr).
Affinity FCU pays Referral bonus on the Credit Union. Here is the requirement, the hold time, the effective return and what it works out to per hour ($100/hr).
OnPath FCU pays Referral bonus on the Credit Union Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($143/hr).
Associated Bank pays Referral bonus on the Personal Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($286/hr).
Associated Bank pays Referral bonus on the Business Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($706/hr).
Acorns pays $5 to start on the Investing. Here is the requirement, the hold time, the effective return and what it works out to per hour ($20/hr).
Chase Sapphire Preferred pays 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($3,261/hr).
Chase Freedom Unlimited / Freedom Flex pays $200 cashback + 5% grocery bonus for year one on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($522/hr).
Chase United Explorer pays 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($1,957/hr).
Amex Blue Business Cash pays $500 statement credit on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($833/hr).
American Express (Gold / Platinum) pays 80,000 to 175,000 Amex Membership Rewards points on the Personal Charge Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($4,174/hr).
Capital One Quicksilver pays $200 cashback bonus on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($522/hr).
Discover it Cash Back pays Unlimited Cashback Match on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($1,304/hr).
Prime Visa (Amazon) pays $150 Amazon gift card, credited instantly on approval on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($391/hr).
Coinbase pays $10 in BTC on the Crypto Exchange. Here is the requirement, the hold time, the effective return and what it works out to per hour ($40/hr).
Gemini pays Signup bonus on the Crypto Exchange. Here is the requirement, the hold time, the effective return and what it works out to per hour ($60/hr).
Crypto.com pays Highest signup bonus on the Crypto App. Here is the requirement, the hold time, the effective return and what it works out to per hour ($100/hr).
Nexo pays Signup bonus on the Crypto Account. Here is the requirement, the hold time, the effective return and what it works out to per hour ($100/hr).
Wise pays Fee-free transfer on the Money Transfer. Here is the requirement, the hold time, the effective return and what it works out to per hour ($300/hr).
PayPal pays $10 when friend spends $5 on the Payments. Here is the requirement, the hold time, the effective return and what it works out to per hour ($40/hr).
Privacy.com pays $5 card credit on the Virtual Cards. Here is the requirement, the hold time, the effective return and what it works out to per hour ($20/hr).
Shopback pays $30 signup bonus on the Cashback App. Here is the requirement, the hold time, the effective return and what it works out to per hour ($120/hr).
Upside pays Bonus + 15¢/gal on the Gas & Grocery Cashback. Here is the requirement, the hold time, the effective return and what it works out to per hour ($80/hr).
Capital One Shopping pays Coupons + price compare on the Browser Extension. Here is the requirement, the hold time, the effective return and what it works out to per hour ($60/hr).
Swagbucks pays Signup bonus on the Surveys & Shopping. Here is the requirement, the hold time, the effective return and what it works out to per hour ($40/hr).
PFS Buyers Club pays Membership credit on the Deals Membership. Here is the requirement, the hold time, the effective return and what it works out to per hour ($80/hr).
Airbnb pays Travel credit on the Travel Credit. Here is the requirement, the hold time, the effective return and what it works out to per hour ($160/hr).
inKind pays $50 dining credit on the Restaurant Credit. Here is the requirement, the hold time, the effective return and what it works out to per hour ($200/hr).
Raisin pays High-yield accounts on the Savings Marketplace. Here is the requirement, the hold time, the effective return and what it works out to per hour ($200/hr).
Charles Schwab pays $100 - $1,000 on the Brokerage Account. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,264/hr).
SoFi pays Up to $1,000 in stock on the Active Invest Brokerage. Here is the requirement, the hold time, the effective return and what it works out to per hour ($100/hr).
SoFi pays Bonus crypto on first trade on the Crypto Account. Here is the requirement, the hold time, the effective return and what it works out to per hour ($40/hr).
SoFi pays Free credit monitoring on the Credit Score Monitoring. Here is the requirement, the hold time, the effective return and what it works out to per hour ($40/hr).
Bank of America Customized Cash Rewards pays $200 online cash rewards on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($522/hr).
Bank of America Travel Rewards pays 25,000 online bonus points on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($652/hr).
Chase Sapphire Reserve pays 100,000 Ultimate Rewards points on the Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,027/hr).
Sunward Credit Union pays Member referral bonus on the Member Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($286/hr).
MoneyLion pays Signup reward on the Mobile Banking App. Here is the requirement, the hold time, the effective return and what it works out to per hour ($80/hr).
Fundrise pays $25 bonus investment on the Real Estate Investing. Here is the requirement, the hold time, the effective return and what it works out to per hour ($100/hr).
Lofty pays $100 referral reward on the Tokenized Real Estate. Here is the requirement, the hold time, the effective return and what it works out to per hour ($400/hr).
Delta SkyMiles Gold American Express pays 40,000 to 75,000 Delta SkyMiles on the Airline Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($1,826/hr).
Delta SkyMiles Gold Business American Express pays 50,000 to 75,000 Delta SkyMiles on the Business Airline Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($1,826/hr).
American Express Blue Cash Everyday pays $200 statement credit on the Cashback Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($522/hr).
Marriott Bonvoy Business American Express pays 3 Free Night Awards (up to 50,000 points each) on the Hotel Credit Card. Here is the requirement, the hold time, the effective return and what it works out to per hour ($2,348/hr).
American Express National Bank pays 20,000 Amex Membership Rewards points on the Rewards Checking. Here is the requirement, the hold time, the effective return and what it works out to per hour ($571/hr).
Gopuff pays $10 off each of your first two orders on the Delivery App Credit. Here is the requirement, the hold time, the effective return and what it works out to per hour ($80/hr).
Wings Financial pays $50 virtual Visa on the Virtual Visa Reward. Here is the requirement, the hold time, the effective return and what it works out to per hour ($143/hr).
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Real data points from real people: which bonuses actually paid, how long the cash took, what tripped an account review, and which offers just died. Free to join, no karma requirements, and every post helps the next person get paid faster.
