Looking for a straightforward way to earn money back on your everyday spending? Percapita’s current promotion offers one of the most accessible bank bonuses available right now.
Want the best bank bonuses nationwide? Check out our top picks here—including huge offers from BMO, CIT Bank and Axos Bank that you won’t want to miss!
The Offer Breakdown
What You Get: $25 cash back every month for your first 12 months
Requirements: Spend $300+ monthly using your Percapita Visa® Debit Card
Maximum Earnings: Up to $300 in your first year
Bonus: Additional $10 when you open a Goals Account within 30 days
Trending Checking Account Deal:
How It Works
The process couldn’t be simpler:
- Open Account: Download the app and create your free account in minutes
- Spend $300/Month: Use your debit card for groceries, gas, subscriptions—whatever you normally buy
- Get $25 Back: Money is deposited directly into your account within 10 days of month-end
Key Details You Should Know
Eligibility: Limited to the first 3,200 new customers (offer runs April 16, 2025 – April 15, 2026)
What Counts as Spending:
- Groceries, gas, dining, subscriptions, most everyday purchases
- ATM withdrawals, money orders, gift cards, sports betting, peer-to-peer transfers
Account Requirements:
- Must maintain account balance above zero
- Account must remain active (at least one transaction per month)
- No hidden fees or minimum balance requirements
Trending Savings Account Deal:
The Banking Features
Beyond the cash back bonus, Percapita offers:
- Fee-free banking with no account maintenance fees
- 40,000+ fee-free ATMs nationwide
- $25 overdraft cushion without penalty fees
- Automated savings with round-up feature (Penny Jar)
- FDIC insured up to $250,000 through Sutton Bank
Is This Worth It?
The Math: If you’re already spending $300+ monthly on everyday expenses, this is essentially free money. That’s an 8.3% return on your required spending ($25 back on $300 spent).
The Reality Check: Most people easily spend $300+ monthly on necessities like groceries, gas, and bills, making this bonus highly achievable.
Important Note: Percapita isn’t technically a bank—it’s a fintech company partnering with Sutton Bank (Member FDIC) to provide banking services.
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
This is one of the more straightforward bank bonuses available. No complex requirements, no large deposits needed, and no hoops to jump through. If you’re looking for a new checking account and can meet the spending requirement, the $300 potential earnings make this worth considering.
Remember: This offer is limited to the first 3,200 customers, so availability may be time-sensitive.
Always read the full terms and conditions before opening any new account, and consider how this fits into your overall banking and financial strategy.
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