Nice job. Been there, done that. If one isn't doing it, I highly recommend to take advantage of the opportunities. We paid for multiple upgrades around the home from the accumulation of these freebies.
As you mention, the best bang for the buck is going to be the checking account. But, there are only so many you can participate with before you have to garden for at least one to two years. The savings accounts aren't often going to be worth it, because the deposit amount requested, will usually earn you more in a short term CD. The only exception to this is the Chase $900 offer, in which you can acquire in 4 months, with a $15k depo, and a minimal DD. It's the best bang for the buck out of all offers. I'm guessing that's on a two year cool down, but that active offer has been running for years. It's a learned, and then earned opportunity.
Running out of banks and products are the problem. You can move to credit card welcome offers. Again, you run out of attractive products eventually, but not before securing some hefty rewards. I have a few months of free hotel stays myself. Different set of rules, credit score, credit rules, but still generous welcome bonuses.
Stay updated with the doctor of credit website. Use a local website search for your state. You may find a few in between the cracks that offer a SUB. I found myself exactly where you are, so where to go from there. I elevated the game to a new level of rewards. Since my schtick is hotel rewards, I made sure my investment provides free vacations. At the end of that play, a few years in the making, it will result in free airline travel as well. Sorry, have to keep those secrets held close to the chest. One doesn't just jump straight into that kind of opportunity.
$XXX,XXX in credit lines.
Multiple months in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...
800+ FICO.
Making all numbers dance on a financial ledger.
Abuse that score responsibility.
Take nothing I say as financial advice. DYODD.
