Opening bonuses, planned.

And the ones we'd skip for you —

• American Express Platinum · $2,625 advertised

  Needs $12,000 spend in 6 months — above the $9,000 you'd naturally spend.

• Citi® AAdvantage® Executive Card · $1,750 advertised

  Needs $15,000 spend in 5 months — above the $7,500 you'd naturally spend.

• Chase Sapphire Reserve · $1,500 advertised

  Needs $6,000 spend in 3 months — above the $4,500 you'd naturally spend.

• Chase Sapphire Preferred · $1,125 advertised

  Needs $5,000 spend in 3 months — above the $4,500 you'd naturally spend.

Worth knowing if you live in the right state —

• M&T Bank · CT, DC, DE, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV

  MyChoice Premium Checking

  Qualifying direct deposits totaling $1,000+ within 90 days (payroll/pension/Social Security — transfers don’t count)

  $200

• Truist · AL, AR, FL, GA, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV, DC

  One Checking

  Two direct deposits totaling $2,000+ AND 20 debit card purchases, within 120 days

  $500

• Citizens · CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VT, VA

  Personal Checking

  Direct deposits totaling $1,000+ within 60 days

  $400

• Regions · AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX

  LifeGreen Checking

  $1,000+ in qualifying ACH direct deposits within 90 days (deposits must be new to Regions)

  $400

• Huntington · AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MN, MS, MO, NC, OH, PA, SC, TN, TX, WV, WI

  Perks Checking

  Direct deposits totaling $500+ within 90 days (promo code from the offer page)

  $370

• KeyBank · AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, WA

  Key Smart Checking

  $2,000+ in eligible direct deposits within 90 days; $10 opening deposit

  $300

• TD Bank · CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA

  Complete Checking

  $500 in total qualifying direct deposits within 60 days (each deposit $250+)

  $200