Find a bank bonus you can actually earn.
Compare the requirements, fees and payout timing before you apply. Banks hide the catch in paragraph nine. We put it on the front of the card.
Today's top payouts
Order blends your bonus with the referral reward Churnables may earn.
- #1High score
Chase Sapphire Reserve
100,000 Ultimate Rewards points
Chase charges a cover fee bigger than most bar tabs, then hands you enough points to fly somewhere and forget about it.
- #2High score
Chase Sapphire Preferred
75,000 Ultimate Rewards points
Chase wants $5,000 spent in three months before the Ultimate Rewards points show up.
- #3High score
Chase United Explorer
60,000 United MileagePlus miles
Chase waives the annual fee year one, then quietly reintroduces it at $150 once you've settled in.
- #4
Amex Gold / Platinum (Personal)
80,000 to 175,000 Membership Rewards points
Amex wants $6,000 to $8,000 of spend in six months, and only lets you do this once per card per lifetime.
- #5
Marriott Bonvoy Business Amex
3 Free Night Awards (up to 150K points value)
Marriott's business card wants $6,000 of spend for three nights capped well under luxury-suite value.
- #6
Amex Blue Business Cash
$500 cashback statement credit
Amex caps 2% cashback at $50,000 a year, after which it quietly demotes you to 1%.
- #7
Delta SkyMiles Gold Amex
40,000 to 75,000 Delta SkyMiles
Delta waives the bag fee for up to nine people on your reservation, generous until you remember the $150 annual fee.
- #8
Oregon State Credit Union
Up to $600 per year in rewards
Oregon State wants 12 debit swipes, a direct deposit, and eStatements every single month for the privilege.
- #9
Lake Michigan Credit Union
$110 cash
Lake Michigan Credit Union pays both sides $110 for 60 days of recurring deposits, no asterisks volunteered.
Churnables may earn a referral reward when you qualify through this link. No signup needed to read or apply.
Still paying, keep scrolling sideways
Every link we've got, sorted so you don't have to
Bonus links across banks, brokers, cards, crypto, and cashback apps. Many have not had their terms or promotion permission reviewed yet; each card says which. Churnables may earn a referral reward when you qualify through these links, and the issuer's page will show the referral code after you arrive.
Banks & Credit Unions
9 offersBrokerage & Investing
5 offersCredit Cards
23 offersCrypto
4 offersCashback & Money Apps
7 offersTravel & Lifestyle
2 offersBusiness
2 offersHighest-yielding bonuses
Just show me the biggest checks
The easy-money quadrant
X = ease (10 is effortless). Y = cash. Bubble size = annualized bonus return. Upper-right corner wins.
What's live right now
Days to bonus posting
Direct deposit vs no-DD offers
The six biggest paydays
Free 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.
Copy a neutral discussion draft
Read the community's rules before posting anywhere. Many forums ban personal referral links or self-promotion, and some require moderator permission first. This draft links only to public research pages and is never posted for you.
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
Annualized bonus return 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.
How the top links are ordered
The top of the page blends what you get with what the referral pays Churnables, plus how reliably the bank actually pays. Sponsors cannot buy a spot or delete a bad note, and the full board below is ranked on your math alone.
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.