Update 10/14/26: New code: VISATREAT for 10% off virtual Visa gift cards. Limit 2. Valid through 10/15/26. This code is showing on Rakuten, and should stack with portals. (ht reader bonusvault) Code OKTOBERFUN is now expired.

Update 10/5/26: Working again but not currently showing on portals.

Update 10/1/26: Working again. 

The Offer

Direct link to offer (our affiliate link)

• Giftcards.com is offering 10% off Virtual Visa Giftcards with promo code OKTOBERFUN (code doesn’t show on landing page but still works).

Our Verdict

Shows up on Rakuten as well so can get an additional 4x back there. You can also get 5% back via Chase Offer. Other promotions still live:

• Giftcards.com: No Fees On Virtual Visa Giftcards With Promo Code NOFEES (Limit 3), $10 Bonus Giftcard With $100+ Purchase With Code FESTIVAL

Hat tip to reader MrCredit

Update 10/4/26: Available again 10/4 – 10/10

Update 9/20/26: Deal is back from 9/20 – 9/26

Update 9/6/26: Deal is back for 9/6 through 9/12 (ht reader JM)

The Offer

Direct link to offer (search Visa; not yet live)

• Staples stores will be offering fee-free Visa gift cards this week.

The Fine Print

• Offer valid in store only.

Our Verdict

As always remember to use a card that earns at a high rate on office supply store purchases. Or stack with a Chase  Offer or use your Amex Business Gold for the $20 office supply credit.

Deal History:

• Update 8/23/26: Deal is back for 823 – 8/29 (ht sorbzi)
• Update 8/4/26: Deal is back for another week. 8/2-8/8. eGiftcards are also available online. 
• Update 7/26/26: Deal is back from 7/26-8/1
• Update 6/28/26: Deal is back for 6/28 – 74 (ht FM)
• Update 5/31/26: Deal should be back from 5/31-6/5. Confirm in store before purchasing.
• Update 5/3/26: Deal should be back from 5/3-5/9. Confirm in store before purchasing.
• Update 4/20/26: Deal is back for 4/19 through 4/25 (ht to reader Novacat05). Shows at this link (scroll down). Reposting with a picture as this current offer is out of sync with how the schedule normally works.
• Old update history in this comment

Update 6/14/26: Deal is back until  September 19, 2026. Deal is much better than before as it only requires a $500 balance instead of $15,000. 

Update 2/28/26: Deal is back, this time for $304. Valid until April 30, 2026. 

Update 10/4/25: Deal is back until December 31, 2025. Hat tip to reader Avi

Offer at a glance

• Maximum bonus amount: $300
• Availability: You must be a CT resident, or current USB customer, to apply online. If not CT resident, must apply in-branch.
• Direct deposit required: Yes, no minimum specified and can get some of the bonus without a direct deposit. 
• Additional requirements: None
• Hard/soft pull: Soft pull
• ChexSystems: Unknown, Sensitive when applying online, not sensitive in branch
• Credit card funding: None
• Monthly fees: Avoidable
• Early account termination fee: None 
• Household limit: One
• Expiration date: September 13, 2025

The Offer

Direct link to offer

• Union Savings Bank is offering $150-$300 bonus when you open a new checking account and complete the following requirements:
  • • Make one direct deposit +$100
    • Open a USB debit card and make 10 purchases +$150
    • Open Essential Savings Account +$150 Keep $500 avg. balance for 60 days

The Fine Print

• To receive up to $150.00 bonus, open a new Essential Checking account (subject to approval) as the primary account holder and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $50.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $50 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only. 
• To receive up to $300.00 bonus, open a new Access Checking account (subject to approval) as the primary account holder and deposit $50 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 60 days of opening the account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $150.00 when you open a companion Access Savings account as the primary account holder at the same time as the checking account and maintain an average balance of $15,000 or more for 60 days from the date of account opening. New USB savings customers only. 
• Offer is valid from June 15, 2025, through September 13, 2025. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between September 1, 2025, and December 31, 2025, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

• Essential checking has no monthly fees
• Access checking has a $20 monthly fee, waived with any of the following:
  • Maintain a minimum balance of $5,000 OR
  • Maintain combined deposit balances of $25,000, OR
  • Maintain combined deposit and loan balances of $50,000. Loan balances include consumer and residential mortgage loans.

Early Account Termination Fee

I wasn’t able to find any mention of an early account termination fee.

Our Verdict

Previously this was $300/$600 so I don’t think this much smaller bonus is worth considering and won’t be adding it to our best bank account bonuses. 

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Offer at a glance

• Maximum bonus amount: $100
• Availability:Membership is open to any person who lives, works, attends school, worships or volunteers in the following areas:
  • Chesterfield County
  • Henrico County
  • Hanover County
  • City of Richmond
• Direct deposit required: Yes, $500+
• Additional requirements: Debit card
• Hard/soft pull: Unknown 
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None 
• Early account termination fee: None 
• Household limit: None 
• Expiration date: March 31, 2026

The Offer

Direct link to offer

• Argent Credit Union is offering a $100 bonus when you open a new checking account and complete the following requirements for three months
  • Activate debit card
  • Receive a direct deposit of $500+

The Fine Print

• $100 deposited into the new Argent Checking Account, with a Debit Card and a minimum Direct Deposit of $500 per month for 3 months, after 90 days from account opening.
• Debit Card and Direct Deposit are required.
• Offer expires March 31, 2026
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees

Early Account Termination Fee

I didn’t see any mention of an EATF in the fee schedule.

Our Verdict

Annoying that the direct deposit is required for three months. Only worth considering if you’ve done the bigger/easier bonuses first. 

Hat tip to reader Bockrr

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 4/24/26: reader Nextcard noticed that the same time Chase released this 2.5x promo, they also lowered the majority of 2 CPP hotels down to 1.65 CPP. A reader notes that much of the airline 2 CPP (United, AA) was removed as well at the same time as the 2.5 release. 

Original Post 4/21/26: 

Starting today, Chase Travel is offering its highest ever Ultimate Rewards PointsBoost redemption value of 2.5x points on a curated selection of The Edit properties, all located in destinations featured in Chase Travel’s “26 Trips to Take in 2026.”

The Edit properties currently boosted at 2.5x:

1. Hotel du Couvent, a Luxury Collection Hotel — Nice, France
2. InterContinental Dominica Cabrits Resort & Spa — Dominica
3. Four Seasons Hotel Osaka — Osaka, Japan
4. Salterra, a Luxury Collection Resort & Spa — South Caicos
5. Nobu Hotel San Sebastian — Basque Country, Spain
6. Gardena Grodnerhof Hotel — Italian Dolomites
7. Sofitel Legend The Grand Amsterdam — Amsterdam, Netherlands
8. Grand Hyatt Deer Valley — Park City, UT
9. The Ritz-Carlton, Portland — Portland, OR
10. Four Seasons Resort Rancho Encantado — Santa Fe, NM
11. The Surrey, A Corinthia Hotel — New York City, NY

Points Boost typically gives a value of up to 2 cents-per-point for travel redemptions (often less). These select properties are currently available at a higher 2.5 cents per point redemption value.

Update 10/7/26: Zift is at 10x. Valid 10/4/26  through 10/10/26. Note, reports are that only the blue cards (non-amazon) are earning the 10x, not the purples cards (amazon). 

Update 7/3/26: 12x on Best Buy gift cards of $50 or more. Direct Link (ht MEAB)

The Offer

• Safeway has a J4U offer to get 10x points on $50+ purchases of Zift Zillions gift cards. Expires on 6/28/25.
• Over the weekend you’ll get an extra 2x on all gift card purchases for a total of 12x.

Our Verdict

Safeway points are very valuable (up to $1.67 off groceries per 100 points), and Zift Zillions has various brands which are useful. Some can even be redeemed for Amazon or Airbnb and other top gift card brands.

Hat tip to reader RM

Deal History:

• Update 3/23/26: Lowe’s, DoorDash, Bass Pro are 10x back this week. 12x on Saturday if you clip the 4x coupon. (ht MEAB)
• Update 1/26/26: 10x this week on Instacart gift cards. On Saturday, clip the 4x coupon to get 12x total. (ht MEAB)
• Update 1/18/26: 10x on Zift Zillions, valid 1/18/26-1/24/26 (ht X Hu) There’s also a coupon you can clip for 4x on Saturday and you’ll end up with 12x total. 
• Update 11/13/25: 12x on Zift & Uber. $25 off Zift and many others including Instacart, Lowe’s, DoorDash and many others – see list here. 
• Update 11/9/25: Another round for 11/9 through 11/15 or 11/16. Starting on 11/12 or 11/24, there can be a stackable coupon for $25 off, see this comment for more details.
• Update 11/2/25: Back again from 11/02 to 11/08
• Update 10/26/25: Zillions is at 10x again (ht H XU). On 11/1 there will be another stackable coupon making it 12x if you save both coupons. Stack with 10% back on Grocery purchases with the targeted IGH card offer.
• Update 10/5/25: Zillions is at 10x again. Today is the last day for 10x + 4x + 10$ coupon
• Update 9/22/25: Upcoming for 9/24/25 – 10/7/25: get $10 coupon when you buy $50 in select gift cards. Zift Zillions is included and should stack with the 12x points (from 9/24 through 9/26). Other brands eligible for the coupon are Lowe’s, DoorDash, PetSmart, Ulta and more – see image. (ht H Xu)
• Update 9/21/25: Deal is back (ht H Xu), it probably ends on 9/26.
• Update 8/4/25: Stacks with $10 deal that starts on 8/6 until 8/6/25 – 8/19/25
•  Save $10 on your next shopping order when you buy $50 in participating gift cards (Participating cards include: Bath & Body Works@, Bloomin, Cinemark, Cracker Barrel, Domino’s@, DoorDash, Home Depot, Instacart, Kohl’s, Lowe’s®, Regal Cinemas, PlayStation®, Subway@, Ulta Beauty, Zift Zillions of Gifts offer per transaction.). Hat tip to reader shiti
• Update 8/3/25: Deal is back, ends Aug 8

The Offer

Direct link to offer (this contains our affiliate link, thanks for your support)

• Amazon is offering their Prime members four months of standard Audible for $.99 per month. 
• You’ll also get a bonus $20 Audible credit.
• Offer valid through October 7 October 19, 2026. 

Doing this offer enrolls you in auto-billing. Be sure to cancel before the four months are up if you don’t want to pay the regular $8.99/month. 

Our Verdict

This time it’s a 4-month deal which is nice. Lately they’ve sometimes been doing the introductory offer for standard Audible, not Premium Plus. The advantage to Premium Plus is that what you buy with your monthly membership credit you get to keep even if you membership lapses whereas with Standard you can only read while subscribed. (Even with Standard, you can always subscribe again in the future and get back access to the purchased books.)

This deal is another one of their Prime Big Deal Days lead-up deals. 

Offer at a glance

• Maximum bonus amount: $100
• Availability: MI
• Direct deposit required: None
• Additional requirements: online banking and eStatements
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees:
• Early account termination fee:
• Household limit: None listed
• Expiration date: December 6th, 2019

The Offer

Direct link to offer

• United Financial Credit Union is offering a referral bonus of $100. 
  • Open a New Checking Account with a Debit Card and receive $50.00!*
  • Set up Direct Deposit and receive $25.00!*
  • Enroll in Digital Banking with EStatements and receive $25.00!*

The Fine Print

• Referred member must be a new member and will need to open a new checking account with debt card, online banking and e-statements, a new loan, or a new certificate of deposit.
• Referred member must present coupon at time of account opening.
• Once the new account meets the qualifications listed, the $100 will be deposited to both the referring and referred members.
• If the new account does not meet the qualifications by December 12, the incentive will not be paid.
• If only a savings account is opened – both parties will receive $25. Cannot be combined with other offers.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Personal checking account has no monthly fee to worry about

Early Account Termination Fee

I couldn’t find any early account termination fee in the fee schedule.

Our Verdict

If anybody is already an account holder, let us know if it’s a hard/soft pull and also share your referral information in the comments below.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

The Offer

Direct Link to offer

• Shoprite is offering a $10 shopping voucher toward your next shopping trip when you spend $50 on select tone4all gift cards.
  • Home Sweet Home – Barnes & Noble, IKEA, Lowe’s, Macy’s, Staples, Wayfair
  • Food & Laughs – BJ’s Brewhouse, Cheesecake Factory, Cracker Barrel, Red Lobster, Red Robin
  • Game & Grub – Buffalo Wild Wings, Domino’s, GameStop, Grubhub, X-Box
  • One the Run – Krispy Kreme, Panda Express, Panera, Subway, Taco Bell
  • Happy Moments – Buffalo Wild Wings, Cheesecake Factory, Macy’s, Panera, Red Lobster, Ulta
  • Happy Birthday – AMC, Cheesecake Factory, Gap, Lowe’s, Outback, Subway, Ulta

The Fine Print

• Valid 3/22-3/28
• Limit 1
• Qualification certificate prints at register and must be presented to redeem $10 on your next shopping order at your local ShopRite store between the dates listed above
• Minimum purchase of $10 required (excludes prescription medications, gift cards, postage stamp sales, milk, cigarettes, fuel, tobacco products, alcoholic beverages or any other items prohibited by law

Our Verdict

Unfortunately no Amazon, but Lowe’s still useful for a lot of people. 

• Maximum bonus amount: 60,000 Atmos miles
• Availability: Hawaii in branch only
• Direct required: $100,000
• Deposit length: Six months
• APY: 1.75%
• Hard/soft pull: Unknown
• ChexSystems: Yes
• Credit card funding: Unknown
• Household limit: None listed
• Expiration date:

The Offer

Direct link to offer

• Bank of Hawaii is offering 60,000 Atmos miles when you open a new six month CD with a minimum of $100,000. CD earns 1.75% APY

The Fine Print

• Points will be awarded to the recipient within 60 days of opening a Hawaiian Airlines Jumbo New Money Special CD unless there are discrepancies in identifying the correct Atmos Rewards account number that should be credited.
• Offer subject to change without notice.
• You will receive a 1099 for the value of the points. The current estimated value for 60,000 Atmos Rewards points is $600.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Our Verdict

If you had the $100,000 in an account earning 5% you’d earn $2,500 over that six month period. With this bonus you earn $875 and the 60,000 miles so you’d need miles to be worth a minimum of 2.7¢ just to break even. This is an easy skip, but Bank of Hawaii does have a $300 savings bonus that is worth considering.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

• Maximum bonus amount: $300 checking + $600 savings
• Availability: Must be eligible to join CU (live, work or worshipping in Washington State qualifies you – more options here). Looks like it’s also available to some in Oregon as well. Idaho: Live, work, worship, or attend school in Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce or Shoshone county
• Direct deposit required: Yes, $250+
• Additional requirements: See below
• Hard/soft pull: Soft
• ChexSystems: Yes, sensitive
• Credit card funding: Unknown 
• Monthly fees: None listed
• Early account termination fee: None listed
• Expiration date: 12/7/26

The Offer

Direct link to offer

• BECU is offering up to $900 in bonuses. Must use promo code FALLCHK26 
  • Open a new Member Advantage Checking account and receive a $300 bonus when you complete the following requirements: 
    • Set up one or more direct deposits of $250+ to your new member advantage checking account within 60 days of account opening
    • Conduct at least 20 posted debit purchase transactions from your Member Advantage Checking account within 60 days of account opening
  • Open a new Member Advantage Savings account and receive a $600 bonus when you complete the following requirements:
    • Deposit $20,000 or more within 30 days of account opening
    • Maintain an average daily balance of $20,000+ for 90 days after the initial 30 day period

The Fine Print

• For new BECU consumer members only, age 18 and older. Offer(s) valid only once per new member for the opening of a new Member Advantage Checking and Member Advantage Savings Account. The primary account holder is the member. If you take advantage of this promotional offer(s), you are not eligible for other New Account membership incentive offers but may qualify for other promotions offered by BECU after establishing your membership. Offer not available to existing BECU consumer members. You must be within BECU’s field of membership and be eligible to open and maintain membership; not everyone will qualify. Fiduciary, Zero-Dividend, HSA, IOLTA, Early Saver, and BECU employee accounts are not eligible to receive this promotional incentive. The Promo Code FALLCHK26 is required on the Member Advantage Savings account to be eligible for this offer. BECU is not required to pay the promotional incentive for accounts opened without this Promo Code. 
• Open a new Member Advantage Savings account to establish membership using Promo Code FALLCHK26 AND open a new Member Advantage Checking account by 12/7/26. It is possible for a member to qualify for the $600 offer without meeting the requirements for the $300 offer. You also must meet the following OFFER REQUIREMENTS.
• Member Advantage Checking account $300 New Account Membership incentive:
  • Set up one or more Direct Deposit(s) of $250 or more to your new Member Advantage Checking account to occur within 60 days of account opening. Your Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefit(s) (such as Social Security) from your employer or the government. Person-to-person payments (such as Zelle®) are not considered a Direct Deposit. AND
  • Conduct at least 20 posted debit purchase transactions from your Member Advantage Checking account within 60 days of account opening. Eligible debit purchase transactions include PIN or signature. Qualifying transactions do not include ATM transactions. 
• Member Advantage Savings account $600 New Account Membership incentive:
  • Open a Member Advantage Savings account and maintain a minimum daily balance of $20,000 or more.Member Advantage Savings and Member Advantage Checking accounts must remain open and be in Member Advantage status at time of promotion payout.
  • You have 30 days to reach a $20,000 savings balance. After 30 days, your balance must remain at or above $20,000 for an additional 90 days and until the promotional payout is issued. Qualified incentive offer(s) will be paid by day 150. Member Advantage Checking and Member Advantage Savings must be in good standing at time of payout.
    Member Advantage Savings and Member Advantage Checking requirements, benefits, and how to retain Member Advantage status are disclosed on the BECU Consumer Account Disclosure, which is provided at account opening and also available at BECU.org or in person at any of our locations.
    The New Account promotional incentive(s) will be deposited to your Member Advantage Checking account after satisfying the OFFER REQUIREMENTS detailed above.
    BECU will not deposit promotion incentive funds to accounts that haven’t met the OFFER REQUIREMENTS, to accounts no longer in Member Advantage status, to accounts not in good standing, or to closed accounts. The New Account promotional incentive is considered interest and will be reported on IRS form 1099-INT. Other terms, limitations, and conditions apply. Cannot be combined with any other New Account membership incentive offers. Check with BECU for the current Annual Percentage Yield (APY). BECU reserves the right to terminate this offer at any time.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

These accounts have no monthly fees

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any EATF. 

Our Verdict

Checking bonus has been as high as $500 in the past so it might make sense to just wait for a bigger offer to return. If you put the $20,000 into an 5% earning account you’d earn ~$250 so the savings account might be worth considering. I don’t see any targeted language but it’s also possible I’m missing something? 

Hat tip to Defaulting

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 8/20/26: INK Cash and INK Unlimited both have the $100 bonus now. (ht Monty) INK Cash is new – it was never available on Rakuten in the past. 

Update 8/14/26: Ink Unlimited back at $100

Update 7/3/26: bonus is back for the INK Unlimited at $100. Freedom Unlimited is still $50/$90.

• Related: The Curious Case Of Rakuten’s Offers For Chase Freedom, Sapphire, Ink Cards

Update 6/2/26: $90 for new Chase customers, $50 for existing Chase customers exclusively for the Freedom Unlimited

Update 5/2/26: Now $25.

Update 4/18/26: Now $75 for new Chase customers for the Freedom Unlimited, $25 for existing. 

Update 12/5/25: Now only Freedom Unlimited has an offer on Rakuten. It’s $65 for new Chase customers and $30 for existing.

Update 5/13/25: Rates reduced to $25 for all three cards. (If you have a friend with a referral link, they can often get 10,000/$100 for referring you to the card instead.)

Update 5/8/25: Rates reduced to $100/10,000 for Sapphire Preferred/Ink Unlimited and $75/7,500 for Freedom Unlimited.

Update 5/4/25: Rates have been DRAMATICALLY increased. $300/30,000 for Sapphire Preferred/Ink Unlimited and $150/15,000 for Freedom Unlimited. If you’ve ever wondered how much money we give up by not using affiliate links on this site, this gives you some insight.

See this follow up post: FAQ On The $300 Rakuten Credit Card Bonus (Chase Sapphire Preferred, INK, Freedom)

Original Post:

In a surprising move, Rakuten is now promoting a $50/5,000 bonus when signing up for the Chase Sapphire Preferred, Chase Freedom Unlimited, and Chase INK Unlimited.

Sapphire Preferred | Freedom Unlimited | INK Unlimited

This is perfect timing on the Sapphire Preferred card which is already offering an excellent 100,000 points bonus (ending soon). 

Typically shopping portals are not allowed to offered kickbacks for credit card signups. While the affiliate can sometimes earn well in excess of $50 per signups, the banks and affiliate networks don’t typically allow incentivizing signups in that manner. Apparently Rakuten negotiated this deal specially with Chase. (We don’t use credit card affiliate links on Doctorofcredit ever.)

A lot of us apply using the referral link of a player-2 or a friend which might be better than with using Rakuten. Still, many people prefer an easy bonus like this, especially if you value Rakuten/MR points at more than 1 cent each. (There’s yet another option of buying a card signup bonus on eBay.)

It’s kinda strange to earn Membership Rewards points for signing up on a Chase card. 🙂

If you’re new to Rakuten, it’s a good time to sign up now with their $40/4,000 bonus. You can find our referral link in this post.

Hat tip to Greedyenthusaism91

Update 7/11/26: Bonus now $425 or one of three gifts. Valid until September 30, 2026. Hat tip to reader Bockrr

Update 10/5/25: Bonus is $400 but requires a direct deposit. 

Offer at a glance

• Maximum bonus amount: $400
• Availability: IA
• Direct deposit required: Optional
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: November 30, 2024

The Offer

Direct link to offer

• Community Bank & Trust is offering a 425 bonus when you open a new checking account and complete the following requirements:
  • A minimum of 15 qualifying Visa® debit card transactions have posted to your account;
  • An aggregate of $500 in qualifying direct deposits have posted to your account.
  • Account must be open a minimum of 90 days.

The Fine Print

• 300 bonus will be paid within 30 days after the following occur: 1) Open a new checking account, which is subject to approval; 2) a reoccurring direct deposit or direct debit is set up with a minimum of $250 per month, posted per statement cycle; 3) The debit card has been used at least once during that same statement cycle.
• Direct deposits examples are an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payment (such as Zelle, Venmo or Cashapp) are not considered a direct deposit.
• Direct Debit examples would be a car payment, mortgage, rent payment or another household bill. Additional terms of this bonus offer include:
• Account must be opened a minimum of 30 calendar days, be active and have a positive balance at the time bonus is paid, which will be applied as a credit to the new account.
• Requirements must be met within 6 months of account opening.
• Client cannot have a previously closed CBT checking account with the past 12 months.
• Only new checking clients eligible.
• BankOn Checking and Health Savings Accounts are not eligible for bonus offer. Cannot be combined with other offers.
• Account only eligible for Iowa residents.
• Promotion ends 11/30/2024 and is subject to change without notice.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

I’m unsure if there is any early account termination fee as I was unable to find the fee schedule.

Our Verdict

Looks like you can use a referral and still get a $300 bonus? Feel free to share your referrals in the comment along with if it’s a hard or soft pull to open.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Update 6/6/26: Deal is back, this time for $200. Doesn’t seem to be restricted to students this time. Hat tip to reader Bockrr

Offer at a glance

• Maximum bonus amount: $100
• Availability: WI only, must be a student
• Direct deposit required: No
• Additional requirements: Use promo code
• Hard/soft pull:  Soft pull to open account, but hard pull to become a member. Up to the CSR discretion if that hard pull is done or not through 2020
• ChexSystems: Unknown
• Credit card funding: Unknown
• Monthly fees: None
• Early account termination fee: None
• Household limit: None listed
• Expiration date: October 31, 2020

The Offer

Direct link to offer (scroll down), also mentioned in this FB post

• Summit Credit Union is offering a bonus of $100 when you open a new student checking account with a unique coupon code (you can get a coupon code on the landing page).

The Fine Print

• Offer valid starting March 2, 2026 and is subject to change at any time for new Summit
  Credit Union checking accounts opened in person at any of the following participating branches: Black Business Hub,Brookfield, Cedarburg, Greendale, Hartford, Howard, Kenosha, New Berlin, Oak Creek, Oneida, Plover, Sheboygan,Walker’s Point, Wauwatosa, West Bend, Weston, or online at SummitCreditUnion.com when you receive our promotional
  offer.
•  To qualify for the $200 bonus, you must open a checking account with a debit card and make at least 20 qualifyingdebit card purchases (excluding ATM transactions) within 60 days of account opening.
• All qualifying transactions must
  post to the account within the 60-day period. The $200 bonus will be deposited to your Summit checking account within 90 days of account opening after meeting the requirements. Only one cash bonus per member is allowed, and the offer is valid only on the member’s first Summit checking account.
• New accounts will not be eligible if you or any signer on the
  new account has an existing Summit Credit Union consumer checking account, has closed an account within the past 24 months, or has been paid a Summit Credit Union promotional premium in the past 24 months. Accounts with prior charge-offs or specialty-titled accounts such as Trust or Estate are excluded from this offer.
• Offer may be extended, modified, or discontinued at any time and may vary by market. This offer may not be combined with other offers. The
  value of the bonus reward may be reported on the appropriate Internal Revenue Service (IRS) forms and may be
  considered taxable income to you. Please consult your tax adviser regarding your specific situation
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

According to this comment there is no early account termination fee.

Our Verdict

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

Offer at a glance

• Maximum bonus amount: $250
• Availability: US Community Credit Union membership is open to anyone who lives, works, worships, volunteers, or attends school in and businesses and legal entities located in Davidson, Rutherford, Wilson, Williamson, Sumner, Cannon, Cheatham, Dickson, Hickman, Macon, Maury, Robertson, Smith, or Trousdale counties
• Direct deposit required: Yes, $1,000+ within 60 days
• Additional requirements: 10 debit card purchases
• Hard/soft pull:Unknown (csr says hard pull)
• ChexSystems: Unknown
• Credit card funding: Unknown 
• Monthly fees: None 
• Early account termination fee: $25, 180 days
• Household limit: None
• Expiration date: July 18, 2026

The Offer

Direct link to offer

• US Community Credit Union is offering a new members $250 bonus when you open a new checking account and complete the following requirements:
  • Receive direct deposits totaling $1,000 or more within 60 days
  • Complete 10 debit card purchases within 60 days
  • Use promo code AMERICA250 when applying

The Fine Print

• New Membership Promo: Available to new USCCU memberships only.
• New membership must be opened with a checking account.
• Must make direct deposits totaling $1,000 or more and have 10 debit card transactions within 60 days of account opening to receive offer.
• Must enter promotional code AMERICA250 during application. $250 bonus will be paid within 30 days of meeting offer requirements.
• Offer expires 7-18-2026.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

It’s On Us/Flex checking have no monthly fees. 

Early Account Termination Fee

There is a $25 fee if closed within 180 days

Our Verdict

Better than the $100 bonus that was previously offered. 

Hat tip to dealgamer

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Calculate And Share Your ChexSystems Datapoints
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times