Sign-up bonuses with no hard credit pull
Bonuses you can earn without a hard credit inquiry. Most are deposit accounts, so opening one does not affect your credit score.
Ranked by bonus amount · 15 live
1. E*TRADE Brokerage Account
Brokerage Account · Brokerage
nationwide
up to $10,000
New money within 60 days, tiered from $1,000 to $5M+ (code OFFER26), by 10/31/26
verified today
ends Oct 31
2. J.P. Morgan Self-Directed Investing
Self-Directed Investing · Brokerage
nationwide
up to $1,000
$5,000+ new money, tiered, 45 days
verified 6d ago
ends Oct 21
3. Huntington Platinum Perks Checking
Huntington Platinum Perks Checking · Bank
$600
Deposit $25,000 or more in new money within 90 days and keep account open for 90 days
verified today
ends Sep 30
4. Banner Bank Personal Savings Account
Personal Savings Account · Bank
Up to $500
$25,000 deposit within 60 days, maintain balance for 90 days (High Yield Relationship Savings); or $5,000 deposit within 60 days for $250 bonus
verified today
ends Sep 30
5. Chase Total Checking
Total Checking · Bank
nationwidesoft pull
$400
$1,000 in direct deposits, 90 days
verified 6d ago
ends Oct 14
6. 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
7. Huntington Perks Checking
Perks Checking · Bank
soft pull
$400
$500 in direct deposits, 90 days
verified yesterday
ends Sep 30
8. 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
9. 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
10. KeyBank Key Smart Checking
Key Smart Checking · Bank
$300
$2,000 in eligible direct deposits within 90 days of account opening
verified today
ends Dec 11
11. TD Bank Beyond Checking
Beyond Checking · Bank
$300
$2,500 in qualifying direct deposits, by 7/30/26
verified today
ends Jul 30
12. Capital One 360 Checking
360 Checking · Bank
nationwideno credit pull
$250
Code CHECKING250 + 2 DDs of $500+, 75 days
verified today
no end date
13. Rakuten
New-member & referral bonus · App
nationwidereferral
$50 / $50
Join via referral, spend $50 in 90 days
verified 6d ago
ends Sep 30
14. inKind
Referral program · App
nationwidereferral
$25
Friend makes $50+ meal purchase at partner restaurant
verified yesterday
no end date
15. Robinhood
IRA transfer match · Brokerage
nationwide
1-3% match
Transfer in; match scales with balance; 5-year hold
verified 6d ago
no end date
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