Easiest bonuses to earn
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.
New BECU members can earn a $150 bonus by opening a checking account along with a savings account using promo code TRIDENTSUP by October 31, 2026. You need to complete 10 or more qualifying transactions within the first 30 days and keep the accounts open for at least 90 days to get the bonus.
Open an Upgrade Cash Rewards Card along with a Rewards Checking Preferred account and make 3 debit card transactions to earn a $200 bonus. The card also earns 1.5% cash back on purchases once paid off, but that is separate from this welcome bonus.
Open a Community Choice Checking account with new money and you can earn up to $200. Get $100 for setting up a direct deposit within 90 days and another $100 for making 15 debit card purchases within 90 days.
New OnePay Wallet customers can earn $10 cash back by spending $5 or more in-store at Walmart or on walmart.com. The bonus is only available to those who sign up directly for OnePay Wallet and is valid for 90 days after signup.
Open a new youth savings account with promo code YOUTH50 and deposit at least $50 at account opening to earn a $50 bonus.
New US Coinbase users who make a first single crypto purchase of at least $50 get a bitcoin reward. The amount is random, with most users receiving $10 to $100 and a rare 1% getting $1,000 or $2,000.
Charles Schwab pays a $50 reward in fractional shares (split across the top 5 S&P 500 stocks) when you open a Starter Kit brokerage account and deposit at least $50 within 30 days.
inKind's standing deal pays $25 each side after the new member's first $50+ dining purchase, and it's currently doubled on the referrer side: $50 per qualifying referral and $25 to the new member, reported through August 31, 2026. The end date has already moved once this year (a May 10 deadline was extended), so the verification stamp on this entry is doing real work. No reported cap on referral count. The bigger win is combining perks: 5% to 25% back for paying through the app, plus discounted gift cards and occasional Amex/Citi card offers.
One of the lowest-hurdle brokerage bonuses: register with code FIDELITY100, open an eligible Fidelity account, and deposit at least $50 from outside Fidelity to get $100. Open to new and existing customers across brokerage, Cash Management, and IRA accounts.
Open a new Blaze Free Checking account and get $250. You need direct deposit or an automatic payment, 6 debit card transactions within 60 days, and the account kept open for six months.
New Betterment customers who sign up through a friend's referral link and deposit at least $100 into a new individual investing account within 30 days get a $150 bonus deposited about 30 days later. Depositing at least $10 into a new individual Cash Reserve account instead earns a 0.75% APY boost for 92 days.
Alliant will pay you $100 if you deposit at least $100 into a new Ultimate Opportunity Savings account every month for 12 consecutive months. The bonus is paid after you complete the full 12 month streak.
Gemini gives new users $20 in bitcoin for signing up with promo code Newsletter20 and trading at least $100 in crypto within 30 days of account approval. You must complete identity verification to Verified Full Tier to qualify. This is a public promo-code offer through a Gemini partner landing page, not a friend's referral link.
Sign up for Gemini through a referral link and both you and your friend earn $50 in crypto. To get your $50, you need to trade $100 within your first 30 days.
Current offers a $30 sign-up bonus for opening a personal checking account and receiving an eligible payroll deposit of $200 or more within 45 days. A separate referral bonus is also available.
1st Advantage Federal Credit Union pays $200 cash when you open a qualifying checking account with promo code CHECKING200. To earn it you need eStatements, a recurring direct deposit, and at least $200 in debit card spending within 60 days of opening.
Service 1st Federal Credit Union pays up to $300 for opening a new checking account. You get $150 for making a debit card transaction within 30 days and enrolling in digital banking, plus another $150 for setting up a qualifying direct deposit of at least $250 within 30 days.
Open a new Horizon Credit Union checking account with promo code GET200 and get $200. To earn it you need to deposit at least $250 within 5 business days, make 15 debit card transactions and sign up for e-statements, all within 60 days of opening the account.
SouthState Bank pays new customers $200 for opening a personal checking account with promo code EARN200. To get it you need at least 15 debit card purchases and either $250 in cumulative direct deposits or a $25 preauthorized draft, all within 60 days of opening the account.
Fulton Bank pays a $200 bonus to workplace banking program members who open a new Team Advantage Banking checking account. To qualify you must make 15 debit card purchases or set up $250 or more in recurring direct deposits within 60 days of opening.
New Percapita Cash account customers among the first 7,000 to sign up can earn $25 for each month they spend at least $300 on their Percapita debit card, for up to a year. Opening a Goals account within 30 days of the Cash account adds a one-time $10 bonus.
PSECU pays new members $300 for opening a savings and checking account with promo code 2026promo and setting up two payroll direct deposits of $500 or more within 100 days. The bonus is deposited into your savings account within 145 days of joining once requirements are verified.
Capital One is offering a one-time $250 cash bonus on the Savor Rewards card. You get it after spending $500 on purchases within the first 3 months of opening the account.
M&T Bank's refer-a-friend program pays the new customer a $50 Visa reward card for opening a personal checking account and making at least $500 in qualifying direct deposits within 90 days. The referring existing customer also earns $50 per successful referral, up to $500 a year.
moomoo advertises up to $1,000 in NVIDIA shares for funding a new account. The reward is tiered by deposit and you have to hold your tier's average balance for 60 days to unlock the shares. It pays in stock, not cash, so what it is worth when it lands depends on the share price.
Open an Affinity Cash Back Debit account and set up a recurring direct deposit of $500 or more within 60 days to earn a $100 cash bonus. The bonus is deposited into your account by the last business day of the month after you meet the requirements.
Webull gives new users about $20 in fractional NVIDIA shares plus a 30-day Webull Premium trial after a qualifying deposit of $500 or more. A separate offer reimburses up to $100 in transfer fees when you move in $2,000 or more from another broker. The reward is stock, not cash, and its dollar value moves with the share price.
Florida Credit Union pays $300 for opening a new checking account and setting up at least $500 in direct deposits within 60 days. You must keep the account open and in good standing for 90 days before the bonus is credited.
The Active Cash pays a $200 cash rewards bonus after $500 of spend in 3 months, with no annual fee. It earns a flat 2% back on everything.
The Freedom Unlimited pays a $200 cash bonus after $500 of spend in 3 months, with no annual fee. It earns 1.5% back on everything and more in select categories. As a Chase card it is subject to 5/24.
Existing Boost customers who open a new Chime checking account can earn $25 a month for up to 12 months, totaling up to $300. You must receive a $500 monthly direct deposit and pay your Boost bill with your Chime Visa card each month.
A $200 cash bonus for new Freedom Flex cardholders who spend $500 in the first three months. The card has no annual fee.
The gentlest bonus on the board: no fee, no reported ChexSystems pull, no published end date, and a promo code instead of a coupon. Two direct deposits of $500+ within 75 days using code CHECKING250. The code rotates every few months (the previous REWARD250 is dead), which is exactly the kind of silent change this site exists to catch.
The Capital One Quicksilver card pays a $200 cash bonus after you spend $500 on purchases within three months of opening the account.
Credit Union of Texas offers up to a $250 matching deposit bonus on a new Secure or Secure Plus Checking account. You must open with at least $25, maintain a $600 monthly direct deposit, and keep the account open for at least 60 days (and 6 months to keep the bonus).
First Heroes National Bank pays up to $250 to military members and their families who open a Service 1 or Service 1 High Yield checking account. You earn $50 for a direct deposit of at least $600 within 45 days of opening, another $50 for a similar deposit near your six month mark, and a final $150 for one more near your twelve month mark.
E*TRADE advertises up to $1,500 for opening a new brokerage account and funding it with new money within 60 days, using promo code OFFER26. The bonus is tiered by deposit, starting at $50 for $1,000. Larger tiers exist above the headline figure, reaching $10,000, but that one requires $5 million. New money must come from outside E*TRADE.
Credit Union West pays a $350 bonus for opening a Heritage High-Yield or Loyalty Rewards Checking account with promo code JOIN350. You need at least $1,000 in direct deposits and 10 debit card purchases within 60 days, and the account must stay open and in good standing for 60 days before the bonus is available.
WECU pays a $400 bonus to new members who open a Spend Plus Checking account online and receive a direct deposit of $1,000 or more within the first 60 days. The bonus lands on day 65. Membership is limited to people with a Washington state connection, so this is not a nationwide offer.
Firstrust's Eagles FirstPay Premier checking account gives new customers 15,000 bonus reward points for making at least $1,000 in debit card purchases within 60 days of opening the account. Points are redeemable through the RedZone Rewards programme, and the regular FirstPay account earns 10,000 on the same terms.
Community First Credit Union pays $200 to new members who open a checking account with the code FREECHECK. You need $5 to open, at least $1,000 in deposits, and 10 qualifying debit card transactions within the first 90 days. The bonus lands in the account on day 91 to 97, and there is no minimum balance or monthly maintenance fee.
Open a new checking account at Financial Plus Credit Union using code SUMMER26 and set up direct deposits of at least $1,000 per month for two consecutive months to earn a $300 bonus. A smaller $150 bonus is available for $500 monthly direct deposits over the same period.
The Rakuten American Express Card pays a $100 cash bonus after you spend $1,000 in the first 90 days, with no annual fee. It runs on the Amex network but is issued by First Electronic Bank and serviced by Imprint, so it is separate from an Amex-issued card and its once-per-lifetime rules.
The Autograph earns 20,000 points after $1,000 of spend in 3 months, with no annual fee. Those points redeem for about $200 in cash. The card earns 3x points on restaurants, travel, gas, transit, streaming, and phone plans.
North Star Credit Union pays businesses that open a new business checking account and fund it. Deposit $500 to get $50 or deposit $1,000 to get $100.
Open your first new personal checking account with Citizens and make a single direct deposit of $1,000 or more within 60 days to earn a $400 bonus.
New members can earn up to $350 by opening a savings account with a checking account and setting up at least $1,000 in direct deposits within 60 days. The bonus is split into $150 for opening the accounts and $200 for meeting the direct deposit requirement.
U.S. Bank is offering a $200 cash bonus on its Cash+ Visa Signature Card. Spend $1,000 in eligible purchases within the first 90 days of opening the account to earn it, with the bonus posting 1-2 billing cycles after you hit the spend requirement.
Open a new Ameriprise Bank checking account and set up at least $1,500 in direct deposits within 90 days to earn up to a $1,400 bonus. The account must be opened between July 1 and December 29, 2026.
PenFed's Power Cash Rewards card gives a $100 statement credit if you spend $1,500 on purchases within the first 90 days of opening the account. The credit shows up about 4 weeks after you hit the spending threshold.
Spend $1,500 on purchases in the first 6 months after opening the Citi Double Cash Card and earn $200 cash back.
Open a new Hometown Checking Plus or Premium account at First Commonwealth Bank and get a $400 bonus. You need to make 10 qualifying debit card purchases and deposit at least $2,000 within 60 days of opening.
Earn a $300 cash bonus when you open a Key Smart Checking account and make $2,000 or more in eligible direct deposits within 90 days.
Open a new Truist One Checking or Truist Marquee Checking account and earn $500. You need two direct deposits totaling at least $2,000 and 20 debit card purchases within 120 days of opening.
New BECU Cash Back Credit Card holders can earn a $200 bonus by spending $2,000 in purchases within the first three months of opening the account. The bonus is paid as a statement credit within about 30 days of qualifying.
Open a new Total Access, Access Plus, or Premier Checking account and set up qualifying direct deposits to earn a cash bonus. Get $500 by enrolling in online banking and e-statements and receiving at least $2,000 in direct deposits each month of the qualification period.
Broadway Bank will pay $300 to new customers who open a Free Checking account with promo code CKPR. To earn it you need at least $2,000 in direct deposits and 15 debit card purchases within 90 days, and the bonus lands in your account within 30 days after that.
Open a new Affinity Premier Checking account with a mailer promo code and make direct deposits totaling $2,000 or more in a single statement cycle within the first 3 cycles to earn a $600 bonus. Lower tiers offer $300 for Affinity Checking or Affinity Plus Checking with $500 in qualifying direct deposits.
Samsung's new Galaxy Card offers $200 in bonus cash rewards after you spend $2,000 within the first 90 days of opening the account. Applications open to the general public on July 22, 2026.
Open a new Navy Federal cashRewards or cashRewards Plus credit card and spend $2,500 within 90 days to earn a $250 cash back bonus. The bonus posts to your rewards balance up to 8 weeks after the 90-day spending window ends.
Open a new Truist Simple or Dynamic Business Checking account and earn up to $800 on a tiered deposit: $400 for $2,500 or $800 for $10,000, deposited within 30 days and held through day 90.
Axos Bank pays new business owners up to $200 for opening a Basic Business Checking account with promo code START200. You earn $50 for each of up to four statement cycles in which you keep an average daily balance of at least $3,000.
The United Explorer Card offers up to 60,000 bonus miles for new cardmembers. You get 50,000 miles after spending $3,000 in the first 3 months, plus 10,000 more if you add an authorized user in that same window.
Open an FNBO Evergreen Business Edition credit card and spend $3,000 within the first three billing cycles to earn a $200 cash bonus, paid as 20,000 points equivalent. You must apply directly through this offer to qualify since terms vary by application channel.
Get 60,000 bonus United MileagePlus miles after spending $3,000 on purchases within the first 3 months of opening the United Explorer Card. Extra bonus miles are available for adding an authorized user or using a promo code.
Open a PenFed Pathfinder Rewards Visa Signature card and spend $3,000 on purchases within the first 90 days to earn 50,000 bonus points. The bonus is credited within about 4 weeks after you meet the spending requirement.
New IHG One Rewards Premier cardholders earn 140,000 bonus points after spending $3,000 on purchases in the first 3 months. The card carries a $99 annual fee.
Open the Marriott Bonvoy Boundless Credit Card from Chase and spend $3,000 on purchases in the first 3 months to earn 125,000 bonus points, a free night award worth up to 50,000 points, and up to $100 in airline credits. The card carries a $95 annual fee.
American Express advertises as high as $300 back after you spend $3,000 on purchases in the first 6 months. The welcome offer is targeted: Amex states that offers vary and that you may not be eligible for one, so the amount you are shown on applying can be lower than $300 or absent. The card carries no annual fee for the first year, then $95.
New or existing Brex customers can earn 10,000 bonus points by opening a Brex Business Account and spending at least $3,000 on their Brex card within the first 90 days. Points are typically credited within 30 days after the 90-day earning period ends.
Open a Marriott Bonvoy Boundless card and spend $3,000 on eligible purchases within the first 3 months to earn 4 Free Night Awards. Each award covers a one night stay at a property with a redemption level up to 50,000 points, and the awards post to your Marriott Bonvoy account within about 8 weeks of qualifying.
Open a new Navy Federal Flagship Rewards Visa Signature card and spend $3,500 within 90 days to earn 35,000 bonus points worth about $350. Points post to your rewards balance up to 8 weeks after the 90-day spending window closes.
Citi is offering up to 80,000 AAdvantage bonus miles on its Platinum Select World Elite Mastercard. You earn the miles by spending $3,500 in purchases within the first 4 months of opening the account.
Open a Bank of America Premium Rewards credit card and spend at least $4,000 on purchases within the first 90 days to earn 60,000 bonus points, worth about $600. There is a $95 annual fee.
The standing premium-travel offer: 75,000 miles on $4,000 of spend, on a card whose $395 fee is largely covered by a $300 travel credit and 10,000 miles each year. Capital One is known to pull all three credit bureaus, and approvals are sensitive to thin or bureau-frozen files.
The Venture Rewards earns 75,000 miles after $4,000 of spend in 3 months, on a $95 annual fee. It earns 2x miles on everything and 5x on travel booked through Capital One Travel. Capital One commonly pulls all three credit bureaus.
Open a Wells Fargo Autograph Journey Card and spend $4,000 on purchases within the first 3 months to earn 60,000 bonus points. The points become redeemable within about 60 days of qualifying.
Open a new MIDFLORIDA Free Checking account and get a $400 bonus. You need to set up direct deposit totaling at least $4,000, enroll in online banking and estatements, and make 40 debit card purchases, all within 75 days, then keep the account open for 90 days to receive the bonus.
A standing tiered transfer bonus from Chase's brokerage arm: deposit or transfer new-to-JPM money or securities within 45 days, hold the balance 90 days, and the day-45 balance sets your tier up to $1,000 at $250,000. The catch that matters: money from Chase or J.P. Morgan accounts does not count. It has to come from outside.
Bank of Colorado is offering a $750 bonus to new business customers who open a qualifying business checking account and mention promo code 750. To earn it you need at least $5,000 in ACH deposits or 15 or more debit card purchases within 90 days, and the bonus is paid into the account 90 days after opening.
Open a new Key Select Checking account by 12/11/26 and get $500 after depositing at least $5,000 in eligible direct deposits within 90 days of opening. The bonus lands in your account within 60 days of meeting the requirement.
TruStone Financial pays up to $500 for opening a first-time TruRate Checking account. You get $450 for a direct deposit of at least $5,000 and another $50 for enrolling in e-statements.
SoFi pays a tiered direct-deposit bonus on a new Checking and Savings account. Bring $5,000 or more in direct deposits within 25 days of your first one for the full $400, or $1,000 to $4,999 for $50. There are no account fees.
Oriental Bank's Libre Account pays up to a $400 bonus when you set up direct deposit of $5,000 or more per cycle for three consecutive cycles. Smaller direct deposit amounts qualify for lower tiered bonuses of $200 or $300.
Bank of America offers a $500 cash rewards bonus when you open an eligible Business Advantage cash rewards card and meet the purchase requirement within the first 90 days. A separate travel card offers 50,000 online bonus points.
Chase pays a tiered bonus on a new Chase Savings account: $100 for $5,000 in new money or $200 for $10,000, deposited within 20 days and held for 90 days. New money must come from outside Chase.
New KYC-approved Crypto.com app users can unlock up to four mystery boxes by hitting trading volume milestones within 30 days. Reaching $5,000 in trading volume unlocks a box worth a randomized $25 to $100.
The Delta SkyMiles Reserve American Express Card offers as high as 100,000 bonus miles after you spend $5,000 in purchases within the first 6 months. Welcome offers vary and you may not qualify for the top amount.
The Sapphire Preferred sits at 75,000 points on a $95 fee. It's a strong standard offer, but down from the 100,000-point all-time high that ran earlier in 2026 and is now gone (Chase's page shows 100k struck through). $5,000 of spend in 3 months. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus.
The Sapphire Reserve earns 100,000 points after $6,000 of spend in 3 months. The annual fee is $795 and is not waived, so weigh it against the credits you will actually use. Two rules govern eligibility: you must be under 5/24, and 48+ months past your last Sapphire bonus.
Open a U.S. Bank Triple Cash Rewards business card and spend $6,000 on the account owner's card within 180 days to earn a one-time $750 cash back bonus. The credit posts 1-2 billing cycles after you hit the spending requirement.
The Gold Card's public welcome offer runs as high as 100,000 Membership Rewards points after $8,000 of spend in 6 months. Amex personalizes the offer, so the exact number is shown before you apply, and checking it is a soft pull.
A boosted, limited-time welcome offer: earn $1,000 cash back after you spend $8,000 in the first 4 months (up from the standard $750). The card has no annual fee and earns 5% cash back on office supplies and internet, cable, and phone services on the first $25,000 spent each account year, 2% at gas stations and restaurants, and 1% on everything else.
The Chase Ink Business Preferred card offers 100,000 bonus points after you spend $8,000 on purchases within the first 3 months of opening the account. Existing or former cardholders of this card may not be eligible for the bonus.
$1,000 cash on a no-fee business card. This is the workhorse bonus for anyone with any legitimate business activity, sole proprietors included. You must be under 5/24 to be approved, but the card itself doesn't add to your count since Chase business cards don't report to personal bureaus. That is why an Ink is the card to open between personal cards: it does not use up a 5/24 slot.
M1's referral program pays both you and a friend $75 when the friend opens a new M1 brokerage or retirement account through your link and deposits at least $10,000 within 30 days, keeping it there for another 30 days. You can earn up to 10 of these $75 bonuses per year.
eToro offers a tiered deposit bonus worth up to $500 in free assets for new users. Sign up, verify your account, and deposit $10,000 or more to get the maximum $500 bonus, with smaller bonuses for lower deposit tiers.
New OKX users can earn up to $500 in bitcoin by completing four tasks within 7 days of opening an account. You get $10 for verifying your identity, $40 for depositing $100, $100 for depositing and trading $1,000, and $350 for depositing and trading $10,000.
The Platinum Card's public welcome offer runs as high as 175,000 Membership Rewards points after $12,000 of spend in 6 months. Amex personalizes the offer, so the exact number is shown before you apply, and checking it is a soft pull.
The Business Gold Card's public welcome offer runs as high as 200,000 Membership Rewards points after $15,000 of spend in 3 months. The offer is personalized, so the exact number is shown before you apply, and checking it is a soft pull.
Betterment will boost your Cash Reserve APY by 0.25% for 92 days if you deposit at least $20,000 from an external account into a Betterment investing account within 45 days of enrolling. You must enroll in the offer within 7 days of receiving it and keep the deposited funds in place for the promotional period.
Bank of America's self-directed brokerage pays a tiered cash bonus for moving in new money, with no end date. It is a high-threshold offer: the top $600 needs a $200,000 transfer, and the entry $100 needs $20,000. Preferred Rewards members can reach up to $1,000 through a separate code.
The Business Platinum Card's public welcome offer runs as high as 300,000 Membership Rewards points after $20,000 of spend in 3 months. The offer is personalized, so the exact number is shown before you apply, and checking it is a soft pull.
Capital One offers a $2,000 cash bonus on the Spark Cash Plus business card after you spend $30,000 in the first 3 months. You can also earn an extra $2,000 for every $500,000 spent in the first year and a $500 travel credit for hitting the same $30,000 spend mark.
ACNB Bank pays up to $3,000 to businesses that open a new free business checking account and meet activity requirements. To get the full $3,000 you need to enroll in online banking and eDocuments, make 10 debit card transactions of at least $75 each within 60 days, and keep an average balance of $50,000 or more for the following three months.
Ameriprise Bank pays a tiered bonus up to $1,000 for opening a new savings account and funding it. You need to deposit at least $25,000 within 30 days of opening and keep that balance for 90 days to qualify, with larger deposits earning a bigger bonus.
BOK Financial is offering Colorado businesses up to $1,500 for opening a new Business Advantage Checking account. To get the full $1,500 you need to deposit at least $100,000 in new money within 30 days and keep an average daily balance of $100,000 for the following 60 days.
Capital One pays up to a $1,500 bonus for opening a new 360 Performance Savings account with promo code BONUS1500. You need to deposit $100,000 in new money within 15 days and keep it for 90 days to earn the top tier, with smaller bonuses for $20,000 and $50,000 deposits.
Betterment is offering new customers up to $2,000 when you open an eligible individual investing account and make a net new deposit within 45 days of enrolling. The reward is tiered by deposit size, from $100 at $1,000 up to $2,000 at $200,000 or more.
Open a new eligible Citigold checking account and earn up to $1,500 in cash after completing the required activities. The exact bonus depends on the balances you fund and maintain.
Merrill Edge is offering Preferred Rewards members up to $1,000 for opening a new IRA or Cash Management Account and funding it. The bonus scales with deposit size, topping out at $1,000 for deposits of $250,000 or more, and requires keeping the balance for at least 90 days.
New business checking clients who open a qualifying Bank of America Business Advantage checking account can earn a cash bonus of up to $2,500 after meeting the requirements. The actual bonus depends on the qualifying tier.
New clients referred by an existing Schwab customer can earn up to $1,000 by opening an eligible brokerage or IRA account and making a net deposit of $500,000 or more within 45 days of enrolling. Smaller deposit tiers pay smaller bonuses, down to $100 for a $25,000 to $49,999 deposit.
TradeStation is offering new brokerage customers a tiered cash bonus up to $3,500 for opening an account with code 0148AGGL and funding it with new outside assets. The bonus amount depends on how much you deposit, ranging from $150 for $5,000 to $3,500 for $1,000,000 or more, and it's paid out after a 270-day holding period.
More best lists: Best credit card sign-up bonuses · Best checking account bonuses · Best savings account bonuses · Best brokerage transfer bonuses · Best travel card welcome bonuses · Best cash-back card bonuses · Best business card welcome bonuses · Best business checking bonuses · Biggest cash bonuses right now · Bank bonuses with no direct deposit required · Sign-up bonuses with no hard credit pull · Bank bonuses with no ChexSystems pull · Credit card bonuses not blocked by 5/24 · Nationwide sign-up bonuses · Sign-up bonuses ending soon