BEST OF
7 Best Rewards Checking Accounts
Rewards usually are associated with credit cards, but some checking accounts have them, too. Perks include high interest rates, cash back and one-time sign-up bonuses.
Here’s a list of our favorite rewards checking accounts.
Rewards usually are associated with credit cards, but some checking accounts have them, too. Perks include high interest rates, cash back and one-time sign-up bonuses.
Here’s a list of our favorite rewards checking accounts.
Summary of Best Rewards Checking Accounts
Bank/Institution | NerdWallet Rating | Monthly Fee | APY | Learn More |
---|---|---|---|---|
Best for Cash-Back Rewards | $0 | 0.10% With $2,500 minimum balance | at Radius, Member FDIC | |
Best for Sign-Up Bonus | $12.00 Waived with direct deposit or $1,500 minimum balance | N/A | at Chase, Member FDIC | |
Best for Interest Checking Rate for Banks | $0 | 1.25% With $0 minimum balance | at Axos Bank®, Member FDIC | |
Consumers Credit Union Free Rewards Checking at Consumers Credit Union, Federally insured by the NCUA | Best for Interest Checking Rate for Credit Unions | $0 | 2.09% With $0 minimum balance | at Consumers Credit Union, Federally insured by the NCUA |
Not yet rated Best for Cash-Back Rewards | $0 | 1.00% | Read review | |
Best for Cash-Back Rewards | $0 | N/A | Read review | |
Best for Interest Checking Rate for Banks | $0 | 1.00% With $0 minimum balance | Read review |
Our pick for
Cash-Back Rewards
at Radius, Member FDIC
Radius Rewards Checking

Monthly Fee
APY
With $2,500 minimum balance
Bonus
at Radius, Member FDIC
Our pick for
Sign-Up Bonus
at Chase, Member FDIC
Chase Total Checking®

Monthly Fee
Waived with direct deposit or $1,500 minimum balance
APY
With $0 minimum balance
Bonus
Requirements to qualify
at Chase, Member FDIC
Our pick for
Interest Checking Rate for Banks
at Axos Bank®, Member FDIC
Axos Bank® Rewards Checking

Monthly Fee
APY
With $0 minimum balance
Bonus
at Axos Bank®, Member FDIC
Our pick for
Interest Checking Rate for Credit Unions
at Consumers Credit Union, Federally insured by the NCUA
Consumers Credit Union Free Rewards Checking

Monthly Fee
APY
With $0 minimum balance
Bonus
at Consumers Credit Union, Federally insured by the NCUA
Our picks for
Cash-Back Rewards
Discover Bank Cashback Debit

Monthly Fee
APY
With $0 minimum balance
Bonus
Our pick for
Interest Checking Rate for Banks
Redneck Bank Rewards Checkin' Account

Monthly Fee
APY
With $0 minimum balance
Bonus
» Want to explore one-time bonuses? Browse our monthly roundup of best bank account bonuses Chasing the best rewards and sign-up bonuses in the world 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 January 27, 2020
Methodology
We took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; 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 surveyed include: Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, America First Credit Union, American Express National Bank, Associated Bank, Axos Bank, Bank5 Connect, Bank7, Bank of America, Bank of the West, Barclays, BB&T, BBVA, BMO Harris, Boeing Employees Credit Union, Capital One 360, Charles Schwab Bank, Chase, Chime, CIBC U.S., CIT Bank, Citibank, Citizens Access, Citizens Bank, Comenity Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, E*TRADE Bank, Fifth Third Bank, First Foundation Bank, First National Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, GoBank, Golden 1 Credit Union, Goldman Sachs Bank USA, HSBC Bank, Huntington Bank, KeyBank, Live Oak Bank, M&T Bank, Nationwide Bank, Navy Federal Credit Union, NBKC Bank, Pentagon Federal Credit Union, PNC, Popular Direct, PurePoint Financial, Radius, Redneck Bank, Regions Bank, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Service Credit Union, State Employees' Credit Union of North Carolina, Suncoast Credit Union, SunTrust Bank, Synchrony Bank, TAB Bank, TCF Bank, TD Bank, TIAA Bank, U.S. Bank, UFB Direct, Union Bank, USAA, Varo, Vio Bank, Wells Fargo, Woodforest National Bank and Zions Bank.
To recap our selections...
NerdWallet's Best Rewards Checking Accounts
- Radius Rewards Checking: Best for Cash-Back Rewards
- Chase Total Checking®: Best for Sign-Up Bonus
- Axos Bank® Rewards Checking: Best for Interest Checking Rate for Banks
- Consumers Credit Union Free Rewards Checking: Best for Interest Checking Rate for Credit Unions
- Axos Bank® CashBack Checking: Best for Cash-Back Rewards
- Discover Bank Cashback Debit: Best for Cash-Back Rewards
- Redneck Bank Rewards Checkin' Account: Best for Interest Checking Rate for Banks