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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ExpirationExpires Dec 31, 2026
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Maximum Total Bonus: $715
SoFi Direct Bonus: $50 or $300 (based on direct deposit total)
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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ExpirationExpired Jul 08, 2026
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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
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