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Easy Money? One Finance Bonuses Are Back (and Potentially Stackable!)
Published on December 1, 2025, 2:30 AM

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One Finance is back with some interesting bonus offers for new users, and savvy travelers can potentially leverage these for some quick rewards! Right now, you can snag a bonus by signing up through Rakuten for $180 after making three direct deposits of $500+. Plus, you can get 10% cashback at Walmart (up to $20 spent) on your first purchase within the first month.

But wait, there's more! One Finance also has a referral program. If you sign up using a referral link and receive a direct deposit of $250 or more, both you and the referrer get a $50 bonus. There's even buzz about potentially stacking this with the Walmart cashback offer. One Finance is a fintech company offering online banking with no fees and FDIC insurance through Coastal Community Bank. They also offer a competitive 3.35% APY on their savings account and "Pockets" to organize your funds.

So, why should you care? If you're comfortable opening a new bank account and meeting the direct deposit requirements, this could be an easy way to earn some extra cash or Membership Rewards points (if you choose to earn Rakuten rewards that way). Just be sure to read the fine print and understand all the requirements before jumping in. Remember, offers like these can change quickly, so don't wait too long if you're interested!

Why This Matters for Your Strategy

News in the points-and-miles world moves fast, and promotional changes often have a short window. If this announcement affects a card or program you hold, log into your awardtrail dashboard to check your current benefit usage, bonus progress, and whether a transfer or redemption makes sense right now — before terms change.

As a general rule: transfer points only when you have a specific redemption in mind — transfers are almost always one-way and non-reversible. If you're unsure of the value, check our redemption guides before acting.

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