New Kraken users can stack a shopping portal bonus (up to $250) with a referral bonus (up to $150) by trading crypto. Here's how to navigate the offers and minimize risk.
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Portal Offers (Vary): Rakuten: $125 for $200 trade. Topcashback: $100 for $100 trade. Capital One Shopping: Targeted offers up to $250 reported.
Kraken Referral Bonus Tiers: Trade $100 get $15, $300 get $20 ($35 total), $500 get $40 ($75 total), $5,000 get $75 ($150 total).
Key Deadline: All qualifying trades must be completed within 30 days of sign-up.
Referral Eligibility: Available in the US (excluding ME, WA, NY), Canada, and several European countries. Portal bonuses may work in excluded US states.
CommonWealth One Credit Union offers 5.5% APY on up to $30,000 in checking, but requires 15 debit purchases & a monthly deposit. For eligible states, it's a strong rate with no fees.
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Interest Rate: 5.5% APY on balances up to $30,000
Balance Cap for Top Rate: $30,000
Monthly Requirements: 15 debit card purchases & one qualifying deposit/ACH transaction
Wyndham offers 60,000 points plus 3 nights for $199 if you sit through a 120-minute timeshare pitch. Points alone are worth ~$420. Good deal if you can say no.
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Offer: 60,000 Wyndham Rewards points + 3-night stay for $199
Presentation Length: 120 minutes
Points Value (estimated): ~$420 based on reasonable redemption values
Stay Value (estimated): $492 – $1,692 depending on destination and dates
Stack a Swagbucks bonus with SoFi's own offer for a potential $715 payout. Requires new account, specific direct deposits, and careful timing. Details and caveats inside.
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Maximum Total Bonus: $715
SoFi Direct Bonus: $50 or $300 (based on direct deposit total)
Elon Musk's X is reportedly testing a financial product with a 6% APY on direct deposits, a cash back debit card, and a $25 bonus. Here's what's known and what to watch for.
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Reported Welcome Bonus: $25
Reported APY: 6% (screenshots indicate it's earned when depositing a paycheck)
Key Feature: Debit card with cash back rewards
Deposit Insurance: Deposits reportedly held by Cross River Bank, Member FDIC (up to $250,000)
Southwest matches your elite status from American, Delta, United, Alaska, or JetBlue for 120 days. Complete simple flight or points requirements to extend it for 12 months. Register by Dec 30, 2026.
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ExpirationExpires Dec 30, 2026
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Offer Type: Status match and challenge
Initial Status Duration: 120 days
Extension Requirement (A-List): 3 round trips, 6 one-way flights, or 11,500 tier qualifying points within 120 days
Extension Requirement (A-List Preferred): 6 round trips, 12 one-way flights, or 23,000 tier qualifying points within 120 days
Score a BJ's Wholesale Club membership renewal for only $10 (plus tax) instead of the usual $60. Use the special link or code EZB3IT. Works for expired memberships – YMMV for others.
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Offer: Renew BJ's membership for $10 + tax
Promo Code: EZB3IT
Standard Renewal Price: $60/year
Eligibility: Likely for expired memberships; new/active members may not qualify
Arizona Financial Credit Union offers two checking bonuses: $300 or $319.36. Both require a $1,000 monthly direct deposit and a $500 balance. Must be a new member in eligible Arizona counties.
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Available Bonuses: $300 or $319.36
Account Required: Consumer Checking Plus Account
Key Requirement: Set up recurring direct deposits totaling $1,000+ per month within 60 days
Balance Requirement: Maintain at least $500 in the account on the 60th day after opening
Wintrust Bank offers $300 for personal checking and $300 for business checking in IL, FL, IN, MI, WI. No monthly fees, soft credit pull, and easy requirements. Ends 7/31/25.
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Personal Checking Bonus: $300
Business Checking Bonus: $300
Personal Account Type: Total Access Checking
Business Account Type: Business Community Checking (Entrepreneur Checking)
Get a $75 Uber credit when you join CLEAR using promo code VDAY25. If you have an Amex Platinum, the membership fee is reimbursed—so you pocket the Uber bonus.
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Promotion: Get $75 Uber voucher with CLEAR membership sign-up
Earn 5.00% APY on up to $40k with Origin Bank Performance Checking in LA, MS, TX. Requires 16 transactions + 1 ACH + eStatements. $14 fee waived with $4k balance.
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Account Type: Performance Checking Account
APY: 5.00% on balances up to $40,000
Minimum Balance to Open: $0
Monthly Fee: $14 (waived with $4,000 minimum daily balance)
Veridian Credit Union offers competitive jumbo CD rates up to 4.50% APY on 12-month terms with $100k minimum. Nationwide membership available via $5 donation.
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Best Jumbo CD Rate: 4.50% APY on 12-month term
Other Jumbo CD Rates: 4.20% APY (21-month), 3.90% APY (30-month)
Credit Union of New Jersey offers a 7-month share certificate at 3.65% APY with a $500 min. It's open nationwide via membership, but watch the renewal terms and $500k max.
Pima Federal Credit Union offers a straightforward 4.50% APY on CDs from 12 to 60 months with a low $250 minimum. Available nationwide with membership options.
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APY: 4.50%
Available Terms: 12, 18, 24, 30, 36, 48, and 60 months
HomeStreet Bank offers 5.00% APY on 4- and 7-month CDs, and 4.65% APY on 11- and 18-month terms. Available in CA, OR, WA, HI with a $500 minimum deposit. FDIC insured.
Rakuten offers $50 cash back for new U.S. Coinbase users who trade $100 within six months. A solid portal bonus, but mind the crypto volatility and state restrictions.
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Cash Back Amount: $50
Required Action: Open a new Coinbase account & trade $100 cumulatively
Time Limit to Qualify: First 6 months after account opening
Eligibility: New U.S. Coinbase customers only (not valid in Hawaii)
California Coast Credit Union offers a 5-month CD at a jaw-dropping 9.50% APY. But there's a catch: membership rules, a hard credit pull, and a $3,000 cap. Is it right for you?
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Financial Institution: California Coast Credit Union