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.
Ranked by lowest requirement · 27 live
1. Rakuten
New-member & referral bonus · App
nationwidereferral
$50 / $50
Join via referral, spend $50 in 90 days
verified 6d ago
ends Sep 30
2. inKind
Referral program · App
nationwidereferral
$25
Friend makes $50+ meal purchase at partner restaurant
verified yesterday
no end date
3. Huntington Perks Checking
Perks Checking · Bank
soft pull
$400
$500 in direct deposits, 90 days
verified yesterday
ends Sep 30
4. Wells Fargo Active Cash
Active Cash · Card
nationwidehard pull
$200
$500 in purchases within first 3 months of account opening
verified today
no end date
5. Chase Freedom Unlimited
Freedom Unlimited · Card
nationwidehard pull5/24
$200
$500 in purchases within first 3 months of account opening
verified today
no end date
6. Capital One 360 Checking
360 Checking · Bank
nationwideno credit pull
$250
Code CHECKING250 + 2 DDs of $500+, 75 days
verified today
no end date
7. Chase Total Checking
Total Checking · Bank
nationwidesoft pull
$400
$1,000 in direct deposits, 90 days
verified 6d ago
ends Oct 14
8. E*TRADE Brokerage Account
Brokerage Account · Brokerage
nationwide
up to
$10K
New money in 60 days, tiered $1,000 to $5M (OFFER26)
verified today
ends Oct 31
9. Wells Fargo Autograph
Autograph · Card
nationwidehard pull
20K pts
$1,000 in purchases within first 3 months of account opening
verified today
no end date
10. Chase Business Complete Checking
Business Complete Checking · Bank
Businessnationwide
up to
$500
$2,000 new money + 5 transactions ($10,000 for $500)
verified today
ends Oct 15
11. KeyBank Key Smart Checking
Key Smart Checking · Bank
$300
$2,000 in direct deposits within 90 days
verified today
ends Dec 11
12. TD Bank Beyond Checking
Beyond Checking · Bank
$300
$2,500 in qualifying direct deposits, by 7/30/26
verified today
ends Jul 30
13. BMO Checking
Smart Advantage / Smart Money / Relationship Checking · Bank
soft pull
$400
$4,000 in direct deposits, 90 days
verified 6d ago
ends Sep 8
14. Capital One Venture X
Venture X · Card
nationwidehard pull
75k mi
$4,000 spend in 3 months
verified 6d ago
no end date
15. Capital One Venture Rewards
Venture Rewards · Card
nationwidehard pull
75K mi
$4,000 in purchases within first 3 months of account opening
verified today
no end date
16. PNC Virtual Wallet with Performance Select
Virtual Wallet with Performance Select · Bank
nationwide
$400
$5,000 in qualifying direct deposits within 60 days
verified today
ends Aug 31
17. J.P. Morgan Self-Directed Investing
Self-Directed Investing · Brokerage
nationwide
up to
$1K
$5,000+ new money, tiered, 45 days
verified 6d ago
ends Oct 21
18. SoFi Checking and Savings
Checking and Savings · Bank
nationwidesoft pull
up to
$400
$5,000+ in direct deposits within 25 days ($50 at $1,000)
verified today
ends Dec 31
19. Chase Sapphire Preferred
Sapphire Preferred · Card
nationwidehard pull5/24
75K pts
$5,000 in purchases within first 3 months of account opening
verified today
no end date
20. Chase Sapphire Reserve
Sapphire Reserve · Card
nationwidehard pull5/24
100K pts
$6,000 in purchases within first 3 months of account opening
verified today
no end date
21. Chase Ink Business Unlimited
Ink Business Unlimited · Card
Businessnationwidehard pull5/24
$1K
$8,000 spend in 4 months
verified today
no end date
22. American Express Gold Card
Gold Card · Card
nationwidehard pull
up to
100K pts
$8,000 in purchases within 6 months
verified today
no end date
23. American Express Platinum Card
Platinum Card · Card
nationwidehard pull
up to
175K pts
$12,000 in purchases within 6 months
verified today
no end date
24. Amex Business Gold Card
Business Gold Card · Card
Businessnationwidehard pull
up to
200K pts
$15,000 in purchases within 3 months
verified today
no end date
25. Amex Business Platinum Card
Business Platinum Card · Card
Businessnationwidehard pull
up to
300K pts
$20,000 in purchases within 3 months
verified today
no end date
26. Banner Bank Personal Savings Account
Personal Savings Account · Bank
up to
$500
$25,000 in new money held 90 days ($5,000 for $250)
verified today
ends Sep 30
27. Huntington Platinum Perks Checking
Huntington Platinum Perks Checking · Bank
$600
$25,000 in new money, keep open 90 days
verified today
ends Sep 30
More best lists: 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