How we evaluate offers.

Every offer in the directory passes the same checklist before it appears. We re-verify each listing on a weekly cycle and remove anything that's expired, restricted, or that we can no longer recommend.

What we score

• Effective payout — bonus value minus required spend, fees, and opportunity cost.
• Difficulty — minimum deposit, direct-deposit requirements, transaction counts.
• Eligibility — geographic limits, prior-customer rules, credit thresholds.
• Time to payout — how long until the bonus posts to your account.
• Bank reputation — track record on actually paying out, not clawing back.

Editorial independence

We never accept payment for placement, ranking, or favorable language. Some links are affiliate links; this is disclosed on every page and never influences which offers we list or how we describe them.