Percapita
Percapita Cash Account $300 Bonus
Percapita pays you up to $300 with no direct deposit. You earn $25 cash back for each month you spend $300 or more on the Percapita Visa debit card, for up to a year, plus a one-time $10 for opening a Goals account within 30 days. There is no monthly fee, and the offer is limited to the first 7,000 accounts.
- Bonus amount
- $300
- Expires
- Dec 31, 2026
- Time to complete
- ~365 days
- Bonus deposited in
- ~375 days
- Difficulty
- Medium
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Requirements
Last verified: Aug 16, 2026
Open an account
Download the Percapita app and open a new Cash Account by December 31, 2026.
Spend $300 a month on the debit card
Spend $300 or more each month on your Percapita Visa debit card to earn $25 cash back that month, for up to 12 months.
Each $25 monthly cash back is paid within 10 business days after the qualifying month ends.
Account Details
Keep the account open and active each month to receive that month's cash back.
Eligibility
Must be a new Percapita customer who has not previously opened a Cash Account.
- Limited to the first 7,000 approved new accounts.
- Percapita is a fintech; deposit accounts are provided by Sutton Bank, Member FDIC.
Tips & Gotchas
- →This is recurring cash back, not a one-time bonus. You earn $25 for each month you spend $300 or more, up to $300 over a year.
- →Open a Goals (savings) account within 30 days for an extra one-time $10.
- →No direct deposit required. Qualifying spend is everyday debit purchases. ATM withdrawals, gift cards, money orders, gambling, and peer-to-peer transfers do not count.
- →Limited to the first 7,000 approved accounts. No monthly fee.
- →To earn a given month's $25, the account must stay open with a balance above zero and have at least one monetary transaction during that month.
Direct Deposit Data Points 1
1 community report across 1 transfer source, showing what triggers a qualifying direct deposit at Percapita.
Can You Earn This Bonus Again?
Fine Print
New Percapita customers only (one of the first 7,000 to open a Cash Account between 4/16/2025 and 12/31/2026). Earn $25 for each month you spend $300 or more on the Percapita Visa debit card during your first year, plus a one-time $10 for opening a Goals account within 30 days. ATM withdrawals, cash substitutes, and money transfers do not count toward the $300. Account must stay open and active each month. Incentives reported on 1099-INT. Paid by Percapita, not Sutton Bank.
Taxable income · Reported on 1099-INT
Related Articles
What is a fintech (digital bank)?
App-based financial companies that offer banking services without traditional brick-and-mortar branches.
Do Bank Bonuses Show Up on a 1099-INT?
Yes. Bank bonuses are taxable income. Once you earn $10 or more from a single bank in a calendar year, the bank sends a 1099-INT and you report it as ordinary income on your tax return.
Also see: this month's best bank bonuses and community DD data points.
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