Raisin savings marketplace bonus: is $200 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $5,000 for 90 days, the tier that adds the most.
Yearly rate on $5,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$1$5,000Best for you$50 bonus · 90 days
- −$2$10,000$100 bonus · 90 days
- −$362$50,000$150 bonus · 90 days
- −$823$100,000$200 bonus · 90 days
The math
Compared with leaving $5k at 4.15%
Keep $5,000 there until day 90. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Keep $5,000 there until day 90
- Ends
- No end date listed
- Where
- Nationwide
- Monthly fee
- None
- Keep it open
- At least 90 days, or the bonus can be taken back
- Cash stays
- About 90 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Raisin savings marketplace 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 −$1: the $50 bonus, minus the $51 that cash would have earned in 90 days. The $10,000 tier adds −$2. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Keep $5,000 there until day 90. Open nationwide.
When does it end?
No end date is listed. The terms were last checked Oct 9, 2026.