Free money in America,
ranked by math.
BONUS RESEARCH, LEARN, & EARN
Every bank, brokerage, and credit-card sign-up bonus we track in America, scored by effective APY, with the date each one was last checked on the row. When the public offer pays more than our link, the page says so and sends you to the public offer.
The two highest-value sign-ups right now
Ranked on what you keep. One pays for verifying an account, the other pays for a single payroll direct deposit.
The 8 bonuses worth doing first
Sorted on what the offer pays you, with how dependably readers get paid as the only tiebreaker. What each bonus pays Churnables is disclosed on the row and is left out of the sort entirely.
- 1Claim →Chase Sapphire 100K (Preferred or Reserve)100,000 Chase Ultimate Rewards points
The single biggest mutual payout on the site: 100K points for you, miles for us, and Chase credits on approval.
Full Chase Sapphire 100K (Preferred or Reserve) write-upValue to you $2,000 · disclosure: pays Churnables $400 (not used in ranking) - 2Claim →Chase United Explorer60,000 United MileagePlus miles
Miles post on approval for both sides, and the annual fee is waived the first year so the reader risks nothing.
Full Chase United Explorer write-upValue to you $780 · disclosure: pays Churnables $130 (not used in ranking) - 3Claim →OKX$150 free crypto
The highest dollar signup reward of any crypto exchange here, and it credits after verification without needing a funded trade.
Full OKX write-upValue to you $150 · disclosure: pays Churnables $75 (not used in ranking) - 4Claim →Marcus by Goldman Sachs+1.00% APY boost for 3 months
Both sides get the same rate boost, and Goldman posts it automatically on the next statement.
Full Marcus by Goldman Sachs write-upValue to you $150 · disclosure: pays Churnables $150 (not used in ranking) - 5Claim →inKind$50 dining credit
Food is a universal win - the credit is applied at checkout and works at thousands of independent restaurants.
Full inKind write-upValue to you $50 · disclosure: pays Churnables $25 (not used in ranking) - 6Claim →Wings Credit Union (Visa GC)$50 virtual Visa card each
Referlive issues the card on verification, so there is nothing to chase and no spend requirement.
Full Wings Credit Union (Visa GC) write-upValue to you $50 · disclosure: pays Churnables $50 (not used in ranking) - 7Claim →WiseZero fees on a transfer up to $500
Instant value on a transfer people were going to make anyway, and Wise credits the invite the moment it settles.
Full Wise write-upValue to you $45 · disclosure: pays Churnables $17 (not used in ranking) - 8Claim →Shopback$30 signup bonus
Double-dips with card rewards, and the signup bonus posts once the first purchase tracks.
Full Shopback write-upValue to you $30 · disclosure: pays Churnables $10 (not used in ranking)
Free money, cloaked and tracked
Highest-yielding bonuses
Just show me the biggest checks
The easy-money quadrant
X = ease (10 is effortless). Y = cash. Bubble size = effective APY. Upper-right corner wins.
What's live right now
Days to bonus posting
Direct deposit vs no-DD offers
The six biggest paydays
Every account, one place
59+ bonus links across banks, brokers, cards, crypto, and cashback apps. Every button hits a cloaked /go/ redirect, so no personal token ever lands in your browser bar.
Banks & Credit Unions
10 offersBrokerage & Investing
8 offersCredit Cards
23 offersCrypto
5 offersCashback & Money Apps
9 offersTravel & Lifestyle
1 offersBusiness
2 offersFree food, free travel, free gas
The stuff banks don't advertise
Fintech ACH pushes that actually code as direct deposit
Not every ACH transfer counts. Pushes from Chime, Varo, Fidelity CMA (via BillPay in ACH mode), Ally, and Wealthfront cash reliably trigger DD requirements at Chase, Wells Fargo, Citi, and most credit unions. SoFi, US Bank, and BofA are pickier and often require a real employer payroll or an SSA/pension deposit. Test with a small push first, then send the qualifying amount.
The 60-day direct deposit clock starts on account open, not funding
Most bonuses count days from the day the account opens, not the day you fund it. Open on day one, wait until you know DDs will hit within the window, then trigger the payroll switch. Opening the account and then dragging your feet on the DD switch is the number one reason bonuses miss.
ChexSystems-friendly banks for anyone with a rough report
If ChexSystems has flagged you, focus on credit unions and second-chance banks that either soft-pull or ignore Chex entirely: Chime, Varo, Current, GO2bank, Bellco CU, PenFed, Alliant, Consumers Credit Union, and Securityplus FCU. Stack these to earn bonuses while your Chex report ages off (typical five year cycle).
The Chase 5/24 rule in one paragraph
Chase will auto-deny most Sapphire, Ink, and co-brand card apps if you have opened 5 or more personal credit cards across any issuer in the last 24 months. Business cards from Chase, Amex, Capital One, and Citi typically do not report to personal bureaus and do not count. Check your count on Credit Karma or annualcreditreport.com. Get under 5/24 before applying for Sapphire Preferred, Sapphire Reserve, or any Ink card.
Amex once-per-lifetime language is real. Read the pop-up.
Amex will let you apply for a card you've had before, take the hard pull, and quietly disqualify you from the welcome offer. If a pop-up says you are not eligible for the welcome bonus, back out. NLL (no lifetime language) offers on cards like the Business Platinum come and go through invite links and CardMatch; those override the standard rule.
Brokerages that let you fund with a credit card
Robinhood, Public, Moomoo, Webull, and M1 accept debit card funding but not credit. SoFi Invest and Fidelity accept ACH only. For credit card funding, use Kroger/Safeway money orders bought with an OG Amex Blue Cash or a category-bonus card, then deposit at the receiving bank. This is how experienced churners meet minimum spend with brokerage funding.
One email. The best bonuses, before they die.
New offers, dying offers, and the exact steps to bag them. Sent when offers actually change, never on a filler schedule.
Post today's board to Reddit in one click
Practical money moves
The 20-minute recurring-charge audit
Find and kill every zombie subscription hiding in your card statements — from a free trial you forgot in 2022 to that streaming service nobody in the house uses.
How to negotiate your internet bill down $30/month
A 15-minute call using the exact script we've used to cut Xfinity, Spectrum, and Verizon bills by 25%+.
The grocery cashback stack that pays 8-12% back
Layer credit-card categories, store apps, and cashback portals. Real money, no coupon clipping.
Cheaper cell service in 2026 without changing your phone
US Mobile, Visible, and Mint have real coverage now. Here's who wins in 2026.
The math is shown, not asserted
Effective APY is bonus divided by the money you actually have to park, annualized over the days it has to sit there. The inputs are printed on every offer page so you can check the arithmetic yourself.
Nobody pays to rank here
Banks and networks cannot buy placement, a higher position, or the removal of a bad note. Offers where Churnables earns nothing at all still sit at the top when the numbers earn it.
Dated rows, and pulled when stale
Each row carries the date it was last read off the bank's own terms page, and rows older than 30 days are flagged for a re-check. Terms move constantly, so confirm on the bank site before you move money.