Best sign-up bonus lists

Current checking account sign-up bonuses, ranked by payout. Most ask for a direct deposit, so check that requirement and the deadline before you open one.

Current savings account sign-up bonuses, ranked by payout. These usually want a large deposit held for a set number of days, so weigh the cash you must park against the bonus.

Cash for moving investments to a new brokerage. Most are tiered by how much you transfer and ask you to hold the balance for months, so the effective yield matters more than the headline.

Credit cards paying a welcome bonus in points or miles. Points programs are not interchangeable, so the value depends on how you redeem. We never convert them to a dollar figure.

Credit cards paying a flat cash welcome bonus, ranked by amount. Most want a small spend in the first three months and carry no annual fee.

Welcome bonuses on business credit cards. Most business cards do not count toward Chase's 5/24 limit, so they are a common way to keep earning bonuses.

The largest cash sign-up bonuses live today, across banks, brokerages, and cards. The requirement sits next to each one, since the biggest bonus is not always the best use of your time.

Ranked by the smallest amount you must deposit or spend to qualify. A lower bar often beats a bigger bonus you would struggle to unlock.

Bank bonuses you can earn without setting up a direct deposit. The requirement is a minimum deposit, a debit-card spend, or a promo code instead.

Bonuses you can earn without a hard credit inquiry. Most are deposit accounts, so opening one does not affect your credit score.

Deposit-account bonuses that report no ChexSystems pull, useful if you have a sensitive banking history.

Credit card welcome bonuses that Chase's 5/24 rule does not block, so you can apply even after opening five or more cards in the last 24 months.

Sign-up bonuses available in every state, with no footprint restriction on where you can apply.

Sign-up bonuses with a published end date in the next three weeks. Verify before you apply, since end dates can move.