Vanguard Promotions: Best Offers for 2025
Written by
Cynthia Bowman
Edited by
Nupur Gambhir
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Vanguard is one of the largest and most trusted investment firms in the U.S., known for low-cost index funds, client-first principles and a long history of prioritizing investor returns. Unlike traditional banks, Vanguard does not offer cash bonuses or sign-up promotions for opening accounts. Instead, its value comes from low fees, strong long-term performance, and a full suite of investing and cash-management tools.
Because Vanguard has no current promotions, it’s important to understand what it does offer — especially for savers and long-term investors comparing banks and brokerages.
Vanguard’s Current Promotions
Vanguard does not have any promotional bonuses available at this time.
Vanguard Benefits
While there are no cash bonuses, here’s what consumers can expect when opening an account with Vanguard.
Low-Cost Index Funds and ETFs
Vanguard is known for its low-expense-ratio index funds — a key reason many investors choose the platform. Lower fees mean more of your money stays invested, which can improve long-term returns compared to high-fee funds at other institutions.
Investor-Owned Structure
Vanguard is uniquely structured so that its funds are owned by their shareholders. That means profits are returned to investors in the form of lower costs, not paid out to external owners.
Broad Investment Options
Consumers can choose from:
- Index funds
- ETFs
- Target-date retirement funds
- Individual stocks and bonds
- Managed portfolios
This makes Vanguard a strong choice for beginners and seasoned investors alike.
Retirement Planning Tools
Vanguard offers a wide range of IRAs and retirement planning tools, including:
- Traditional, Roth, and SEP IRAs
- Target-date funds that automatically adjust risk over time
- Personalized retirement calculators
- Low-cost advisory services (with minimums)
If you’re saving for retirement, Vanguard’s structure and fund lineup are designed to keep more fees in your pocket.
Vanguard Cash Plus (High-Yield Cash Account)
While not a promotion, Vanguard’s Cash Plus account offers competitive yields and banking-style features:
- Direct deposit
- Bill pay
- Easy transfers to investment accounts
- No minimum balance requirement
- Variable APY that generally beats brick-and-mortar banks
This makes it a strong place to hold short-term savings or cash you plan to invest.
Strong Reputation and Long-Term Stability
With decades of history and millions of investors, Vanguard is known for:
- Transparent pricing
- Long-term investment philosophy
- Reliable customer service
- Robust educational resources
- A client-first approach
Consumers looking for a steady, trustworthy place to invest their money often choose Vanguard for its proven track record.
How Vanguard Compares to Competitors
If you’re specifically looking for cash bonuses, Vanguard won’t be the best choice.
Here’s how it compares to major banks and investment firms currently offering promotions:
| Institution | Bonus Amount | Requirements | Expiration Date |
|---|---|---|---|
| Vanguard | None | N/A | N/A |
| Fidelity | Up to $100-$500 | Transfer assets or open eligible accounts | N/A |
| Chase | $300 | Open checking + direct deposit | Jan. 21, 2026 |
| Huntington Bank | Up to $600 | Open new checking + $25K new money deposit (or direct dep) | Jan. 15, 2026 |
| BMO Bank | $400 | Open new checking + qualifying direct deposits | Jan. 28, 2026 |
| Associated Bank | Up to $600 | New checking + recurring direct deposits/avg balances | Dec. 31, 2025 |
Vanguard’s advantage isn’t bonuses — it’s long-term cost savings, low fees, and investment performance.
Is Vanguard Worth It Without a Bonus?
If your goal is short-term cash, Vanguard’s lack of promotions makes other banks more appealing.But if you’re focused on long-term investing, retirement savings, and minimizing fees, Vanguard can offer more value over time than any one-time bonus.
Before choosing a brokerage, think about:
- Your investment timeline
- The type of accounts you need
- Whether long-term cost savings or immediate bonus cash matters more
- How actively you plan to invest
For many investors, Vanguard remains one of the strongest overall choices — even without promotional offers.
This content is not provided by Vanguard. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Vanguard.
