J.P. Morgan Self-Directed Investing bonus: tiers, rules and real return

Updated October 17, 2026 · Offer data last verified 2026-10-17 · Not financial or tax advice.

Chase customers see this one everywhere. J.P. Morgan Self-Directed Investing (Chase's online brokerage) pays a cash bonus of $50 to $1,000 when you open a new account and add qualifying new money from outside JPMorganChase. According to our data, the offer runs until January 21, 2027, and it has one of the shortest holds among the brokerage bonuses we track: 90 days. Below are the tiers, the rules that trip people up, and where each tier lands on real return. Live figures come from our J.P. Morgan offer page.

J.P. Morgan Self-Directed Investing bonus tiers

Qualifying deposit	Bonus	Bonus ÷ deposit	Annualized*
$5,000 – $24,999	$50	1.00%	4.06%
$25,000 – $99,999	$150	0.60%	2.43%
$100,000 – $249,999	$325	0.33%	1.32%
$250,000+	$1,000	0.40%	1.62%

*Annualized at the bottom of each band = (bonus ÷ deposit) × (365 ÷ 90-day hold). Source: official terms ↗ · last verified 2026-10-17.

The $5,000 tier has the highest return per dollar at 4.06% annualized. The top tier, $1,000 on $250,000, works out to 1.62%. That's better than the tier just below it, so if you're moving a large IRA or portfolio, getting over $250,000 is worth it. If you're in the middle bands, the return per dollar is thin. Consider sending the money above a threshold to a different offer instead, using the calculator.

How to earn the bonus

Open a new Self-Directed Investing account through the offer page by January 21, 2027. Opening through the promotion page is what links you to the offer.
Fund it within 45 days with qualifying new money: cash, securities transferred in-kind, or a rollover of retirement assets such as an IRA or old 401(k). J.P. Morgan sets your tier based on what has arrived by day 45.
Keep the new money there until 90 days from enrollment. J.P. Morgan says market losses don't count against you.
Get paid. J.P. Morgan says the bonus is added to the account within 15 days after you meet the conditions.

Eligibility and the fine print

New money only, from outside JPMorganChase. Assets moved from Chase, J.P. Morgan or affiliates don't count, so moving cash from your Chase checking account won't qualify.
One bonus per customer per year, per the offer FAQ.
Brokerage or IRA. Our offer data notes that either can be used. J.P. Morgan's FAQ explains IRA-to-IRA transfers and direct 401(k) rollovers into the matching account type, for example Roth to Roth.
Some holdings may not transfer. J.P. Morgan notes that certain securities can't be moved online and must be sold first. Some mutual funds, fractional shares and non-public securities may also need to be sold, which can have tax consequences.

Hold period and clawback risk

The requirement is to keep the new money until 90 days from enrollment, and the bonus is paid after that. So the main risk isn't a clawback after payment. It's simply not qualifying, or landing in a lower tier, if money leaves early. Because the bonus pays out within about 15 days of the hold ending, the whole process from opening to payout typically takes around three to four months. For how this compares with offers that hold your money for years, see holding periods and clawbacks.

Using it for an IRA or 401(k) rollover

Rollovers count as qualifying new money, so this offer pairs well with moving an old 401(k). Use a direct rollover, or a trustee-to-trustee IRA transfer, so the money never passes through your hands. Our Roth IRA transfer guide walks through the steps, and best IRA bonuses lists IRA-specific matches you can compare against.

How it compares

With a 90-day hold, this offer suits people who don't want to commit for a year or more. Here are other live offers with holds of about a year or less, ranked by best annualized return:

Offer	Max bonus	Min deposit	Hold	Best yield	Source
Moomoo	$1,000	$500	180d	36.50%	official terms ↗
CIT Bank / First Citizens Self-Directed Investing	$750	$1,000	60d	15.21%	official terms ↗
E*TRADE	$10,000	$1,000	365d	5.00%	official terms ↗
Citi Personal Wealth Management	$5,000	$50,000	90d	4.06%	official terms ↗

Taxes

A cash bonus in a taxable brokerage account is generally taxable income in the year it's paid. If the bonus is credited inside an IRA, it usually follows the IRA's tax treatment. Confirm with J.P. Morgan and a tax professional. More in are brokerage bonuses taxable?

General information only. This isn't financial or tax advice. Offers change or end without notice, and the official terms always govern. Confirm everything on the provider's page before you act. See our disclaimer.

Official terms last read by hand on 2026-10-17. Tier amounts, dates and hold come from our offer database (last verified 2026-10-17).

FAQ

How much is the J.P. Morgan Self-Directed Investing bonus?

$50 for $5,000 – $24,999, $150 for $25,000 – $99,999, $325 for $100,000 – $249,999, $1,000 for $250,000+ of qualifying new money, based on our latest verified data.

How long do I have to keep the money at J.P. Morgan?

Fund within 45 days, then keep the new money in the account until 90 days from enrollment. Market losses don't count against you. The bonus is added within 15 days after you meet the conditions.

Does moving money from Chase count for the J.P. Morgan bonus?

No. Qualifying new money has to come from outside JPMorganChase and its affiliates.

Can I use an IRA or 401(k) rollover for the J.P. Morgan bonus?

Yes. J.P. Morgan says rollovers of existing retirement assets count as qualifying new money. Use a direct rollover or IRA-to-IRA transfer into the matching account type.

When does the J.P. Morgan Self-Directed Investing offer end?

Our latest data shows you must open the account by January 21, 2027. Offers can change or end early, so check the official page.

Can I get the J.P. Morgan bonus more than once?

The offer FAQ says it's limited to one bonus per customer per year.

J.P. Morgan Self-Directed Investing bonus: tiers, rules and real return