Live offers
58
Stacked cash on the board
$16,439
Top effective APY
30%
No-lock direct-deposit offers
11
Personal referral links
65
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.
Category mix
What's on the board
Checking, savings, brokerage, credit-card, and business bonuses.
Payout timing
Days from qualifying activity to bonus posting
Actual observed payout windows, not the marketing copy. 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