Percapita, a fintech company, is offering a $300 bonus for new customers! You can earn it by opening a new "Cash Account" and spending at least $300 per month using their debit card for the first 12 months. That works out to $25 each month you hit the spending target. Plus, if you open a "Goals Account" within 30 days, you'll snag an extra $10.

Here's the catch that matters to savvy award travelers: This offer is only available to the first 3,200 people who sign up between now and April 15, 2026. Also, ATM withdrawals, money orders, gift cards and other cash equivalents, and P2P transfers don't count towards the $300 spending requirement, so you'll need to use the debit card for regular purchases. While there are no monthly fees, you need to keep the account open for a year to get the full bonus. Is it worth jumping through the hoops? It depends on how quickly you can sign up, but it's a soft pull so it won't hurt your credit score to check it out!