This was my take too, although I am always skeptical that I will be able to move monies to the day. When I read 'keep here 90 days', I think to myself 'this is a 4 month opportunity cost.'How long does the money have to stay with Marcus after 90 days to avoid clawback?
It does make sense to take the 1.5% bonus after 90 days in addition to 90 days' worth of 3.65% interest, but a caveat is that this will be fully taxable (unlike CC bonuses).
Worth considering based on your tax rates.
ymmv
Statistics: Posted by EricGold — Mon Feb 02, 2026 1:20 pm — Replies 15 — Views 1976