American Express Business Checking bonus: is the 35,000 Amex MR points worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $5,000 while it's there, bonus included.
The math
Compared with leaving $5k at 4.15%
Deposit $5,000 in new money within 30 days · Average $5,000 from day 1 to day 60 · 5 qualifying transactions…. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $5,000 in new money within 30 days
- 2Average $5,000 from day 1 to day 60
- 35 qualifying transactions…
- Ends
- No end date listed
- Where
- Nationwide
- Pays while it's there
- 1% a year
- Monthly fee
- None
- Cash stays
- About 60 days
- Bonus paid
- Usually within 84 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the American Express Business Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$324: the $350 bonus plus $8 interest, minus the $34 that cash would have earned in 60 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $5,000 in new money within 30 days; average $5,000 from day 1 to day 60; 5 qualifying transactions…. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.