💰🌈 Top 5 Deals – Expiring March, 2024

It’s not too late to find your pot of gold this March. With a little luck, you still have time to capitalize on these fleeting deals.

Let’s start off with some good, old-fashioned money making offers that can be stacked with a slick game plan.

UPGRADE PREMIER SAVINGS – 5.21% plus up to $500 bonus, EXPIRES 3/31/24

This is a great, limited time savings offer, that boasts a pretty short holding requirement. Open your account by 3/31/24 and then fund your account within 30 days. You are required to hold your funds with Upgrade day 31-90, so 60 days of your money being tied up.

Savings tiers are as follows:

  • $15,000 – $75 bonus (3% APY for 60 day hold)
  • $30,000 – $150 bonus (3% APY for 60 day hold)
  • $50,000 – $300 bonus (3% APY for 60 day hold)
  • $100,000 – $500 bonus (3% APY for 60 day hold)

Due to the short holding period requirement, you’ll actually be making the equivalent of 8.21% (3% PLUS 5.21%) during your 60 day holding period, and that sounds like an awesome deal!

CITI PERSONAL WEALTH MANAGEMENT – up to $5,000 bonus, EXPIRES 3/31/24***

***This promotion has historically renewed each quarter, I’m personally planning on doing this in April but there is no guarantee that this bonus will renew, just a really good chance.

This is an investment account but it’s also a great stand in for a savings or emergency savings account. You can invest the funds or you can choose a money market or short term treasury fund, like BIL or SGOV, that will yield north of 5% in the current environment.

One of the BEST things about this account is that you are only required to hold the funds with Citi for one month, that’s it! If you open your account by 3/31/24, you’ll have until 5/31/24 to bring your balance to the bonus tier level. Then, you’ll need to keep the funds parked there until 6/30/24.

Bonus tiers are as follows:

  • $50,000 – $500 bonus (12% APY for one month hold)
  • $200,000 – $1,000 bonus (6% APY for one month hold)
  • $500,000 – $2,000 bonus (4.8% APY for one month hold)
  • $1,000,000 – $3,000 bonus (3.6% APY for one month hold)
  • $2,000,000 – $5,000 bonus (3% APY for one month hold)

Remember, this bonus is on top of any yield from money market funds, or gains from stocks. One big caveat, Citi accounts must be opened over the phone and the process is not nearly as slick as online account opening. I did happen to have an awesome rep who answered the phone, “Happy Taco Tuesday” so, who knows, maybe it’ll be a fun experience!

My Playbook: A Super Stack (Upgrade + Citi Personal Wealth Management)

My personal plan, is to open the Upgrade this month and then open the Citi Personal Wealth Management next month. I’ll have to keep funds at Upgrade through mid June, and then have plenty of time to get finds to Citi to hold through July. This will help me stack and maximize these bonuses all while only keeping funds tied up a little more than three months.

SCHWAB INVESTOR REWARD – up to $2,500***, EXPIRES 3/31/24

On its face, this might seem like a little bit of a sleepier bonus. Schwab is offering new and existing clients less than half a percent for bringing over new funds and holding them with Schwab for a year. The posted bonus tiers are as follows:

  • $50,000 – $200 bonus (0.4% APY for one year hold)
  • $100,000 – $300 bonus (0.3% APY for one year hold)
  • $250,000 – $600 bonus (0.24% APY for one year hold)
  • $500,000 – $1,200 bonus (0.24% APY for one year hold)
  • $1,000,000 – $2,500 bonus (0.25% APY for one year hold)

When it comes to investment bonuses, my personal outlook is that something is better than nothing. But…. where this deal get’s spicy is that Schwab will try to MATCH bonuses offered by their competitors! We recently covered some excellent deals for brokerage bonuses. Check them out here to get a feeling for what’s possible. One of the best bonuses around is the Citi Personal Wealth bonus posted above. Reach out and see if Schwab would be able to match for you.

I’m currently waiting a call back from my Schwab guy on this deal and a match to Citi. If all goes well, I’ll earn an extra 1% on retirement funds I have locked up anyway. Transferring retirement funds, in kind, does not result in a taxable event and can usually be done fairly easily. Highly recommended for some extra yield.

Not quite what you’re looking for? Find our comprehensive review of brokerage bonuses here.


In the credit world, there are also a couple of great deals that are set to expire this month.

CHASE MARRIOTT BONVOY BOUNDLESS CARD – 5 Free Nights, Expires 3/27/24

This card is amazing for planning a vacation, the bonus for spending $5,000 in 3 months, is five free nights worth up to 50k points each. The annual fee is $95 and this card also comes with an anniversary free night worth up to 35k points. This deal tends to come and go without much rhyme or reason so it’s worth jumping on it when it comes around.

I personally picked up this card to pay my property taxes (April 10th is coming up!). Dreaming of a week in Hawaii helps take the sting out of paying the county.

One additional benefit is that you can transfer points from Chase or American Express (if you have certain cards) to Marriott, so if you want to top up your certificates for a nicer hotel, you can add up to 15k points per night. Of course, this isn’t necessary but could also afford some more options for hotels in desirable locations with desirable dates.

***This is a Chase card – to be eligible for ANY Chase card, you can not have opened more than 5 personal (and some business) cards within the last 24 months. This is through any issuer, not just Chase. So, if you have been card happy, you might not be eligible for this card and need to sit this offer out. You can always check your credit report if you’re uncertain of your card history.

AMERICAN EXPRESS BUSINESS PLATINUM – 190,000 point bonus, elusive!

This is a bit of a wild card play but if you have the spend ($15,000 in three months) and have not yet had a biz plat, then it could be worth jumping though some hoops!

This bonus is worth $1,900 and the card comes with great benefits like a $200 annual airline credit, $200 semi-annual Dell credits and more. It also has a hefty $695 fee, so keep that in mind.

The best way to try to pull up this offer is to use an incognito browser window and google “Amex Plat Biz” and the click the first link and see if you can pull up the elusive offer. After many tries, I was able to pull it up but I am ineligible since I currently hold the card. Previously, 150,000 points was just about the best offer you could find so this is definitely a very high offer. Good luck if you give it a shot!

HOW TO PUT THESE DEALS TOGETHER FOR AN AWESOME TRIP TO HAWAII

Thanks for checking out these March deals. My personal playbook is to use my Upgrade and Citi Personal Wealth Management bonuses to fund an awesome trip to Hawaii! My flights will end up being covered by my American Express Business Platinum airline credits used for Southwest flights. I’ll plan to use my five free Marriott nights to stay in Waikiki and probably top up my certificates with some Amex points to score better lodging. The cash from the bonuses will likely go to a rental car and as much garlic shrimp and shave ice as we can possibly eat in a week!

How will you spend your cash bonuses and five free nights?

This post is meant for educational purposes and should not be considered financial advice. Some of the links may provide a small referral, at no cost to you. Thank you in advance if you happen to use a referral, that helps with the administrative costs of providing this free resource.