10 Best Rewards Checking Accounts of 2024
The best rewards checking accounts offer high interest rates or cash back on spending.
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Rewards usually are associated with credit cards, but some checking accounts have them, too. Perks include high interest rates and cash back.
» Want to explore one-time bonuses? Browse our monthly roundup of best bank account bonuses
Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.
Here’s a list of our favorite rewards checking accounts.
APYs shown are current as of October 28, 2024. All other information is current as of September 9, 2024.
Bank/institution | NerdWallet rating | APY | Bonus | Monthly fee | Overdraft star rating | Learn more |
---|---|---|---|---|---|---|
5.0/5 | 0.50% With $0 min. balance for APY | $300 Earn up to $300 with direct deposit. Terms apply. | $0 | 4.8/5 | Learn more at SoFi Bank, N.A., Member FDIC | |
5.0/5 | N/A | N/A | $0 | 3.8/5 | Learn more at Upgrade, Deposits are FDIC Insured | |
5.0/5 | N/A | $360 Up to $360 per year. See website for details. | $0 | 5.0/5 | Learn more at Discover® Bank, Member FDIC | |
5.0/5 | 2.00% | N/A | $0 | 3.8/5 | Read review | |
5.0/5 | 1.75% With $0 min. balance for APY | N/A | $0 | 4.8/5 | Read review | |
4.9/5 | 1.10% With $0.01 min. balance for APY | N/A | $0 | 3.8/5 | Read review | |
4.8/5 | 0.65% With $100 min. balance for APY | N/A | $0 | 3.2/5 | Read review | |
4.5/5 | 2.70% With $100 min. balance for APY | N/A | $0 | 4.8/5 | Read review | |
5.0/5 | 1.00% | N/A | $0 | 3.8/5 | Read review | |
5.0/5 | 1.75% With $0 min. balance for APY | N/A | $0 | 4.2/5 | Read review |
APY
0.50%
With $0 min. balance for APY
Bonus
$300
Earn up to $300 with direct deposit. Terms apply.
Monthly fee
$0
Overdraft star rating
4.8/5
APY
N/A
Bonus
N/A
Monthly fee
$0
Overdraft star rating
3.8/5
APY
N/A
Bonus
$360
Up to $360 per year. See website for details.
Monthly fee
$0
Overdraft star rating
5.0/5
APY
2.00%
Bonus
N/A
Monthly fee
$0
Overdraft star rating
3.8/5
APY
1.75%
With $0 min. balance for APY
Bonus
N/A
Monthly fee
$0
Overdraft star rating
4.8/5
APY
1.00%
Bonus
N/A
Monthly fee
$0
Overdraft star rating
3.8/5
APY
1.75%
With $0 min. balance for APY
Bonus
N/A
Monthly fee
$0
Overdraft star rating
4.2/5
Want to compare more options? Here are our other top picks:
Chasing the best rewards can’t make up for having a checking account that lacks features you need or that charges you high fees to access your money. But it’s worth looking for a financial institution that offers you a little extra incentive to bank with it.
Last updated on October 28, 2024
Methodology
We took a close look at over 90 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.
Financial institutions and providers surveyed are: Affirm, All America Bank, Alliant Credit Union, Ally Bank, Amalgamated Bank, America First Credit Union, American Express National Bank, Andrews Federal Credit Union, Associated Bank, Axos Bank, Bank of America, Bank5 Connect, Barclays, Bask Bank, Bethpage Federal Credit Union, BMO, BMO Alto, Boeing Employees Credit Union, Bread Savings, BrioDirect, Capital One, Carver Federal Savings Bank, CFG Bank, Charles Schwab Bank, Chase, Chime, CIBC U.S., CIT Bank, Citibank, Citizens, Citizens Bank, City First Bank, Climate First Bank, Commerce Bank, Community First Credit Union of Florida, ConnectOne Bank, Connexus Credit Union, Consumers Credit Union, Current, Customers Bank, Delta Community Credit Union, Discover® Bank, E*TRADE, EverBank (formerly TIAA Bank), Fifth Third Bank, First Foundation, First Internet Bank, First National Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, Flagstar Bank, Forbright BankGlobal Credit Union, GO2bank, Golden 1 Credit Union, Greenwood, Hope Credit Union, Huntington Bank, Industrial Bank, Ivy Bank, Jenius Bank, KeyBank, Lake Michigan Credit Union, Laurel Road Bank, LendingClub Bank, Liberty Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, My Banking Direct, NASA Federal Credit Union, Navy Federal Credit Union, NBKC, One, OneUnited Bank, Pentagon Federal Credit Union, PNC, Poppy Bank, Popular Direct, Quontic Bank, Regions Bank, Revolut, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Securityplus Federal Credit Union, Self-Help Credit Union, Service Credit Union, SoFi, State Employees’ Credit Union of North Carolina, Suncoast Credit Union, Synchrony Bank, TAB Bank, TD Bank, Truist Bank, U.S. Bank, UFB Direct, Upgrade, USAA Bank, Varo, Vio Bank, Wells Fargo, Western Alliance Bank and Zynlo Bank.
NerdWallet's Best Rewards Checking Accounts of 2024
- SoFi Checking and Savings
- Upgrade - Rewards Checking Plus
- Discover® Cashback Debit
- ZYNLO Bank More Spending Account
- nbkc bank Everything Account
- Quontic High Interest Checking
- Amalgamated Bank Give-Back Checking
- Bank5 Connect High Interest Checking
- American Express Rewards Checking
- Connexus Credit Union Xtraordinary Checking