Ameriprise $300 Savings Bonus (6.7% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Ameriprise's $300 savings bonus requires a $25,000 deposit maintained through September 30, 2026. The 3.05% base APY adds meaningful interest on top of the bonus. The catch: you must already be an Ameriprise Financial client. If you are, this is a straightforward, solid bonus.
Who This Savings Bonus Is Best For
Existing Ameriprise Financial clients with $25,000+ in available savings. If you already have an Ameriprise relationship, this is essentially free money on top of a competitive APY.
How to Maximize This Bonus
Fund as late as possible within the offer period (by June 30, 2026) to minimize your hold time. If you fund on June 25, your required hold is only about 97 days (through Sep 30). This maximizes your effective APY. At $25,000, you'll earn the $300 bonus plus about $210 in interest for roughly $510 total — a ~7-9% effective APY depending on when you fund.
Pros
Cons
How This Compares to Other Bonuses
Ameriprise's $300 on $25k (~9.6% effective APY if timed well) is competitive with Capital One's $20k tier ($300 at ~9.4%). The key difference: Ameriprise requires existing client status, making it inaccessible to most people. If you qualify, the timing strategy (fund late) can make this one of the better effective APY plays.
Frequently Asked Questions
Do I need to be an existing Ameriprise client?
Yes. You must have been an Ameriprise Financial client before April 7, 2026. This is not open to new clients.
When should I fund my account?
As late as possible — fund close to June 30, 2026 to minimize the hold period. You must maintain through September 30, 2026 regardless of when you fund.
When does the bonus actually post?
The bonus is credited by March 31, 2027 — a long wait after the qualification period. Factor this into your cash flow planning.
Related Bonus Reviews
Eligibility
Must be an existing Ameriprise Financial client before April 7, 2026. One bonus per customer. External funds only.
Fees
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.