BEST OF

11 Best Rewards Checking Accounts of 2024

The best rewards checking accounts offer high interest rates or cash back on spending.

Chanelle Bessette
By Chanelle Bessette 
Edited by Sara Clarke

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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 Mar. 4, 2024. All other information is current as of Feb. 23, 2024.

Discover the bank accounts that fit your financial goals
Just answer a few questions to compare bank accounts that meet your needs.

Best Rewards Checking Accounts

NerdWallet rating 

5.0

/5
SoFi Checking and Savings
Learn more

at SoFi Bank, N.A., Member FDIC

APY

0.50%

Bonus

$300

Monthly fee

$0

Overdraft star rating

5.0/5

NerdWallet rating 

5.0

/5
Discover® Cashback Debit
Learn more

at Discover® Bank, Member FDIC

APY

N/A

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.5/5

NerdWallet rating 

5.0

/5
nbkc bank Everything Account
Learn more

at nbkc bank, Member FDIC

APY

1.75%

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.0/5

NerdWallet rating 

5.0

/5
American Express Rewards Checking
APY

1.00%

Bonus

N/A

Monthly fee

$0

Overdraft star rating

3.5/5

NerdWallet rating 

4.5

/5
TAB Bank Kasasa Cash Back® Checking
APY

N/A

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.0/5

NerdWallet rating 

5.0

/5
ZYNLO Bank More Spending Account
APY

2.00%

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.0/5

NerdWallet rating 

5.0

/5
Connexus Credit Union Xtraordinary Checking
APY

1.75%

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.5/5

NerdWallet rating 

4.5

/5
Upgrade - Rewards Checking Plus
APY

N/A

Bonus

N/A

Monthly fee

$0

Overdraft star rating

4.0/5

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 March 4, 2024

Methodology

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, Bank7, Barclays, Bask Bank, Bethpage Federal Credit Union, BMO, BMO Alto, Boeing Employees Credit Union, Bread Savings, BrioDirect, Capital One, Carver Federal Savings 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, Delta Community Credit Union, Discover® Bank, E*TRADE, EverBank (formerly TIAA Bank), Fifth Third Bank, First Foundation, First National Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, Global Credit Union, GO2bank, Golden 1 Credit Union, Greenwood, Hope Credit Union, Huntington Bank, Industrial Bank, Ivy Bank, KeyBank, Lake Michigan Credit Union, LendingClub Bank, Liberty Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, Navy Federal Credit Union, NBKC, One, OneUnited Bank, Pentagon Federal Credit Union, PNC, 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 and Zynlo Bank.