Offer Details
Written by: RJ
Requirements
- Open a new checking account
- Complete two direct deposits of $1k each within 90 days of opening
- Bonus posts within 8-12 weeks of completion
Eligibility
- Nationwide
- Can’t have an existing Rewards checking account
- We are currently accepting applications from Card Members with a U.S. Basic Consumer Card issued by American Express National Bank with 35 days tenure. Current and prior American Express Business Checking customers are not eligible to apply at this time.
Fees
- Rewards checking is fee free
Account Closure
- No rule listed
Chex
- Not sure yet
Valid through: 4/15/25

Thoughts
Been awhile since we’ve seen this one. Direct deposit amounts have increased but still easy enough.
Got approved quick but I opened a few months ago. Got the direct deposit and then they emailed me after saying that my bonus money will be on the way
Applied and got approved quickly. I just applied for a Gold card 3 months ago so I was good.
Is this a hard pull?
I haven’t seen any reports of a hard pull.
Accepted Wise as DD, $250 bonus will deposit in 8-12 weeks.
i got this message
We’re sorry. We are unable to offer you an American Express® Rewards Checking account at this time.
Offer availability is subject to change and is based on your eligibility factors. Thank you for your interest in American Express.
Applications are being auto canceled if you have a business checking. Apparently they are working on a fix.