It’s up to you. Some of the accounts near the top of our charts may pay an introductory bonus rate for a limited time, and they may be worth considering if they pay a competitive rate. You can use the annual equivalent rate (AER) to compare them with accounts that don’t pay a bonus. If you do choose an account with a bonus, it’s a good idea to review the account when the bonus ends to see if the new, lower rate is still competitive.