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VerifiedEvery offer checked against the bank's own terms page

DatedEvery row shows the date its terms were last checked

IndependentPlacement is never sold to a bank or network

DisclosedRanking uses value to you only, never what we earn

The board, in one glance

Every bonus,
graphed.

79 live sign-up bonuses. $22,454 of stacked cash on the board. 55.9% average effective APY. Everything is calculated from the same math the leaderboard uses.

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Live offers
79
Stacked cash on the board
$22,454
Top effective APY
284%
No-lock direct-deposit offers
14
Bonus links ready to use
58
Effective APY leaderboard

Top 8 bonuses by effective APY

Bonus dollars divided by locked balance times days-to-payout, annualized.

Cash leaderboard

Fattest cash checks

Bigger isn't always better, but sometimes you just want the biggest number.

Cash vs effort

Where the easy money is

X = ease of the offer (10 = effortless). Y = cash. Bubble size = effective APY. The upper-right corner is the sweet spot.

Every bank and credit union above
American Express (Gold / Platinum)Chase Sapphire PreferredChase Sapphire ReserveU.S. BankJ.P. MorganMoomooCharles SchwabMarriott Bonvoy Business American ExpressBank of AmericaChase United ExplorerDelta SkyMiles Gold American ExpressDelta SkyMiles Gold Business American ExpressOregon State CUBank of AmericaPublicAmex Blue Business CashDiscover it Cash BackBILL Spend & Expense (formerly Divvy)SoFiChasePNCFifth ThirdGrasshopperAssociated BankBask BankCapital OneMercuryBank of America Travel RewardsTD BankBarclaysUpgradeAxosRobinhoodChase Freedom Unlimited / Freedom FlexCapital One QuicksilverBank of America Customized Cash RewardsAmerican Express Blue Cash EverydayAmerican Express National BankWebullPrime Visa (Amazon)OKXSuncoast Credit UnionMarcus by Goldman SachsAlly BankAssociated BankSunward Credit UnionLoftyTradierWiseU.S. Eagle Federal Credit UnionSecurityplus FCUWings FinancialDigital FCU (DCU)OnPath FCUOrigininKindRaisinWings FinancialAirbnbShopbackAffinity FCUCrypto.comNexoAlbertSoFiFundriseUpsidePFS Buyers ClubMoneyLionGopuffGeminiCapital One ShoppingCoinbasePayPalSwagbucksSoFiSoFiAcornsPrivacy.com
Category mix

What's on the board

Checking, savings, brokerage, credit-card, and business bonuses.

Payout timing

Days from qualifying activity to bonus posting

Issuer-stated payout windows, taken from each provider's own terms. These are the windows banks publish, not reader-reported posting times. Anything past 60 days is a slow-pay bank.

Direct deposit share

How many bonuses require a DD

If you have a payroll switch handy, DD bonuses are where the money is. If not, the other bucket is your list.

Ready to move

Pick your bonus and go

Open the leaderboard →Read the insider tips
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