Sign Up Bonuses: How to Get Free Money from 18+ Companies (November 2022)

Do you like money? What about free money from sign up bonuses?

Of course, you like money. And of course, you like free money too. What kind of question is that!?

What if I told you that there are legitimate companies out there giving away free cash for you to sign up for their service?

So many companies want your business and will bend over backward to get it. So many startups have cash and need users, so they’ll pay. They want to be on the first page of apps on your phone, they want you to use them, talk about them, share it with your friends… and to get you to do it they will pay you.

This page will update the best sign up bonuses you can get today.

Table of Contents
  1. Bank Sign Up Bonuses
    1. Bank of America – $100 Bonus Offer
    2. Citi Priority – up to $2000
    3. Chase Total Checking – $200
  2. Credit Card Sign Up Bonuses
    1. 🏆 Chase Sapphire Preferred Card – 60,000 Ultimate Rewards points
    2. TD Cash Visa® Credit Card – $150 cash back
    3. Chase Freedom Flex – $200
    4. Southwest Airlines Rapid Rewards Plus Credit Card – 75,000 bonus points
  3. Stockbroker Sign Up Bonuses
    1. Acorns – $10
    2. Public – $10
    3. Webull – up to 12 free stocks
    4. Robinhood – free stock (valued $5 - $200)
  4. Rewards Sites Sign Up Bonuses
    1. Piñata – $30 gift card
    2. TopCashBack – $15 cashback bonus
    3. InboxDollars – $5
    4. Swagbucks – $5
    5. MyPoints – $10
    6. Rakuten – $10
  5. Government Programs
    1. MissingMoney.com & Unclaimed.org
    2. Rental Assistance
    3. Low Income Home Energy Assistance Program (LIHEAP)
  6. Other Sign Up Bonuses
    1. Cash.app – $5
    2. HoneyGain – $5
    3. Arcadia Power – $20 Amazon Gift Card
    4. Netspend – $20 Cash
  7. Why Are Companies Doing This?

Bank Sign Up Bonuses

Banks aren’t giving up toasters anymore for new accounts – get bonus cash now!

💰 Get up to $2000 from a Citi Priority Account Today!

Citi Priority is offering up to $2000 when you open a Citi Priority Account by 1/9/2023.

Then, within 20 days of opening your account, deposit New-to-Citi® funds and keep it there for 60 days after the 21st day. The bonus is based on the amount you transfer.

This is a limited time offer so don’t wait!

Learn more about this offer

👉 Don’t have nearly that much cash? Consider this easy $150 or $200 bonus offer from Discover Bank instead!

👉 Bank of America’s $100 Bonus Offer is very popular too!

Bank of America – $100 Bonus Offer

Bank of America Bonus Summary

  • What you get: $100 Bonus Offer
  • Who qualifies: New checking customers only
  • Promotion code: DMF100CIS
  • Where to open: Online only
  • How to get it:
    • Open a Bank of America Advantage SafeBalance Banking®, Bank of America Advantage Plus Banking®, or Bank of America Advantage Relationship Banking® account,
    • set up and receive qualifying direct deposits totaling $1,000 or more into that account within 90 days of account opening
    • * Additional Terms and Conditions apply. See the Bank of America offer page for more details.
    • Bank of America will attempt to pay bonus within 60 days.
  • When does it expire: 6/30/2023

👉 Click here to learn more about this offer

Citi Priority – up to $2000

Citi® will give you up to $2000 if you open an eligible checking account in the Citi Priority Account.

The bonus is based on the amount you transfer and maintain in that account:

Minimum Deposit
And Minimum Balance
Cash Bonus
$10,000 - $29,999$200
$30,000 - $74,999$500
$75,000 - $199,999$1,000
$200,000 - $299,999$1,500
$300,000 and above$2,000

For example, you have to deposit at least $10,000 in New-to-Citi funds within 20 days, then maintain a minimum balance of $10,000 for 60 consecutive calendar days after the 21st day. The cash bonus will be deposited to your open, eligible account within 30 calendar days after you complete all required activities.

Chase Total Checking – $200

Chase Bank has a great $200 bonus for new Chase Total Checking accounts. All you have to do is open an account, set up and set up direct deposit within 90 days. The direct deposits have to be an electronic deposit of your paycheck (payroll), pension or government benefits.

That’s it! (also, don’t close the account within 6 months of opening or they will reclaim the bonus)

There is a $12 monthly service fee that you can get waived (the easiest way is to maintain a minimum daily balance of $1,500 or more).

Available online nationwide. For branch locations, visit locator.chase.com.

Open an Account

Credit Card Sign Up Bonuses

Credit card companies will also give you bonus points for signing up. There are a ton of credit card promotions so we can’t possibly list them here but I compiled a larger list of the best credit card promotion offers here.

Here are the highlights:

🏆 Chase Sapphire Preferred Card – 60,000 Ultimate Rewards points

Chase Sapphire PreferredThe Chase Sapphire Preferred Card is offering a stunning bonus offer right now of 60,000 Ultimate Rewards points after you spend $4,000 in purchases within the first three months.

This is a high offer in time for travel season and extreme valuable as it’s Chase Ultimate Rewards points, which are often considered quite versatile because you can use it in a variety of ways. You can convert to cash, gift cards, or get a bonus for booking travel through Chase Ultimate Rewards.

The annual fee is $95.

👉 Learn more about the Chase Sapphire Preferred Card

TD Cash Visa® Credit Card – $150 cash back

TD Bank Cash CardThe TD Cash Visa® Credit Card is a great cashback card that will give you $150 cash back when you spend $500 within 90 days of opening the account. You also earn 3% cashback on dining, 2% cash back at grocery stores, and 1% on everything else[ with $0 annual fee.

Learn more about this card and others

Chase Freedom Flex – $200

The Chase Freedom Flex will give you a $200 after $500 in purchases in the first 3 months. You also get 1% on all other purchases. Plus, 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter (must be activated), and 5% on Chase travel purchased through Ultimate Rewards, 3% on dining and drugstores.. $0 annual fee.

(here’s how the Flex compares to the Chase Freedom Unlimited card)

👉 Learn more about the Chase Freedom Flex Card

Southwest Airlines Rapid Rewards Plus Credit Card – 75,000 bonus points

Southwest Rapid Rewards Plus Credit CardIf you travel a lot of Southwest Airlines, the Southwest Airlines Rapid Rewards Plus Credit Card will give you 75,000 bonus points after just $3,000 in purchases in the first 3 months your account is opened.

If you value each point at around 1.66 cents so that’s quite a bit in airfare. That will get you also that much closer to Companion Pass, which means a friend can fly with you for free! $69 annual fee.

👉Learn more about the Southwest Airlines Rapid Rewards Plus Card

Stockbroker Sign Up Bonuses

The days of giving you a toaster are over. Now, banks are giving cash for new accounts and the bigger the deposit, usually the bigger the bonus. Sometimes you’ll need a direct deposit too, but you can set that up with a job, to avoid fees.

BrokerageBonus PromotionLink
$200-$250 in stocksLearn more
up to 12 free stocksLearn more
up to $25,000Learn more
free stock (valued $5 - $200)Learn more
Up to $500 cashLearn more
Up to $625 cashLearn more

Acorns – $10

Acorns is a microsaving and investing app that will let you invest your spare change. You can set up round ups on your purchases, regular contributions (daily, weekly, monthly), or one-time deposits into a selection of portfolios customized to your goals.

Get $10 to start and invest with as little as $5.

Get $10 from Acorns

Public – $10

Public is a brokerage that will let you purchase fractional shares (and whole shares!) of publicly traded companies for free in most cases. You don’t pay anything to open an account, you don’t pay maintenance fees, and most of the fees that do exist have to do with paper statements or brokerage assisted trades (where you call in).

Plus you can get $10 when you sign up – easy bonus!

Get $10 from Public

Webull – up to 12 free stocks

Webull is a stock brokerage that offers free trades and free stock when you sign up. The account is free, there are no minimums, and you can get up to 12 free stocks. (more details on the Webull offer)

  • Get 2 free stock ($3 - $300) when you open an account,
  • Deposit any amount to receive 4 - 10 free fractional share stocks each valued $7-$3000

Get Your Free Stock from Webull

Robinhood – free stock (valued $5 - $200)

Robinhood is a stock trading app that has zero transaction fees. Buy and sell shares of stock in real-time, pay absolutely nothing in transaction fees. Robinhood makes money on their premium Gold accounts and rebates they get from the exchanges for helping fulfill transactions.

They recently raised $110 million at a $1.3 billion valuation and are giving away a free share of stock when you sign up. You can read more details about the Robinhood free stock promotion here but it’s pretty straightforward – download the app, fund it, then get your free stock. No activity or maintenance fees to worry about. You can sell it after 2 business days.

Get Your Free Stock from Robinhood

Rewards Sites Sign Up Bonuses

Rewards Sites are those that pay you to do the things you already do on the internet – like taking surveys, watching videos, reading emails, and shopping online. Many will entice you to join them by giving you a little extra just to sign up.

Piñata – $30 gift card

If you are a renter, you can use Piñata to help you build credit and get rewards in the process. Piñata is an app that reports your rent payments to TransUnion and can improve your credit with that payment history. It’s a lot like how homeowners, who are paying back their mortgage, can improve their credit through their mortgage payments.

The app also has a rewards program, which is based on your rent payments, but they get you started with a $30 gift card. It’s completely free, just requires you to link up your bank account so they can confirm your rent payments.

Get $30 from Piñata today!

TopCashBack – $15 cashback bonus

topcashback logo

TopCashback is a cash back shopping portal where you earn a percentage back from each purchase you make through their portal. My favorite way to use this is to shop as normal and, before I buy anything online, see if TopCashback is offering any cash back on purchases.

Let’s say you’re about to buy a pair of sneakers (or anything) on Nike.com, you can earn 6% back on your purchase.

For a limited time, they’ll load your account with a $15 bonus that will get added whenever you cash out. Super easy free money right here!

Get $15 from TopCashback

InboxDollars – $5

InboxDollars is one of several sites that will reward you for all of those things and more. They one of the few that will pay you to read emails and click on a button inside. We go into much greater detail in our review of Inbox Dollars so check that out if you want to dig deeper.

When you sign up, they will give you $5 to start your account. It’s free to join.

Get $5 from InboxDollars

Swagbucks – $5

A lot like InboxDollars, Swagbucks rewards you for all the same activities online plus gives you $5 to start. With Swagbucks you earn Swagbucks (SB) which you can convert 300 SB to $3 on Amazon – a pretty low threshold compared to many other places. It’s about as low as you can get so you don’t need to go weeks between awards. (read our Swagbucks review)

Get $5 from Swagbucks

MyPoints – $10

MyPoints is a cashback site where you earn points whenever you shop at a partner store like Groupon, eBay, etc. When you sign up, you will get a $10 gift card when you make a purchase of $20 or more with one of these qualifying partners. You’ll get 1750 points, the equivalent of $10.

You’re going to buy stuff online, you might as well pick up a $10 gift card along the way!

Get $10 from MyPoints

Rakuten – $10

Much like MyPoints, Rakuten is a shopping portal that will give you rebates on your purchases. If you haven’t heard of them before, they used to be eBates.

If you don’t have an account already, they’ll give you a $10 welcome bonus after a $25+ purchase within 90 days.

They used to be called eBates and was started in 1998, which makes it very old in internet years, and is now owned by and named after Rakuten, a massive e-commerce comment based in Japan.

If you want to learn more, our Rakuten review goes into great detail.

Get $10 from Rakuten

Government Programs

MissingMoney.com & Unclaimed.org

When a company or state government owes you money but can’t get it to you, they often turn it over to your state’s unclaimed property division. They try for a few years but if they can’t find you, eventually they leave it there until you dig it up yourself.

The best way for you to do that is to check MissingMoney.com or Unclaimed.org, the only two sites you should use (besides your state’s unclaimed property department) to search for your money. Billions of dollars are locked away in these unclaimed property vaults and it just takes a few seconds to search for them.

This is technically not “free money” – it’s really your own money back. 🙂

todd

We share more details of how it works plus some of the best unclaimed property success stories here.

Rental Assistance

Rental assistance is part of the Emergency Rental Assistance (ERA) program and the Treasury Department has collected a list of websites that can help you find programs that help both tenants and landlords.

For example, in my home state of Maryland, you can go to the Maryland Emergency Rental Assistance Program to find out if you are eligible for assistance. If you are, you can also find out how to apply and get help with your application.

Low Income Home Energy Assistance Program (LIHEAP)

The Low Income Home Energy Assistance Program (LIHEAP) has been around since 1981 and offers financial assistance for energy bills, weatherization, and energy-related minor home repairs. It’s based on financial need (income and household size) and if you qualify for SNAP, SSI, or TANF, you may be automatically eligible. A household of four making $39,750 (before taxes) is eligible.

We share a few other government assistance programs here.

Other Sign Up Bonuses

Startups are always looking to gain users and willing to pay you just to sign up. These are the ones that don’t quite fit any of the other categories.

Cash.app – $5

The Cash App is a payment wallet that will give you $5 when you sign up with the promotion code JKJDBWT and complete a transaction of $5 or more in the first 14 days. You can pay for something or just send money to another Cash App user for it to qualify.

Just download the app (Android, iOS) and then go to Personal Settings. At the bottom, you’ll see Enter Referral Code where you can put in JKJDBWT. Then transfer $5 to a friend and boom, you get $5.

Our Cash App review explains more about how it works.

Easy!

HoneyGain – $5

HoneyGain is an application you install that uses your “unused internet” to run business tasks for other companies. They give you $5 to start and you install an app on your phone and/or computer. They don’t sell your browsing behavior or anything personal about you, they simply run internet searches and other browsing-type activity from your internet connection to collect market research for their clients.

Read our HoneyGain review for more details.

Get $5 from HoneGain

Arcadia Power – $20 Amazon Gift Card

If you live in a state where you can choose the source of your electricity, you can get clean renewable energy without paying more. When you connect your utility company to Arcadia Power, they will not only provide you with electricity from renewable sources but they will also secure the lowest rates possible.

They will get you 50% clean energy through the purchase of Renewable Energy Certificates, absolutely free. If you want 100% clean energy, they charge you an extra 1.5 cents per kilowatt-hour of electricity but that’s optional. There is no contract, you can cancel anytime, and it’s free (they make money from bringing customers to community solar projects to get them off the ground)

And just to try them out, they will also give you a $20 Amazon gift card. Here’s a full review of Arcadia Power if you want to learn more about them and what they offer.

Get $20 from Arcadia Power

Netspend – $20 Cash

Netspend is a prepaid debit card that will give you $20 if you sign up through a referral. You will receive a debit card in the mail and while there are no maintenance fees, there is a small $1.50 per transaction fee. I turned it into an Amazon gift card and added the credits to my account for use later.

It’s a pretty easy way to earn twenty bucks plus you can then start referring people to earn more.

Get $20 from NetSpend

What free money offer will you snatch up?

Why Are Companies Doing This?

When a company is trying to get customers, what does it do? Advertise right? They buy television commercials, pay for Facebook and Instagram ads, or maybe they get a spread in the magazine or on a billboard. It’s all the same.

They are paying to reach new customers.

Why not cut out the middleman and pay you to try them? Robinhood doesn’t want to give you free stock because they’re generous. They know switching your stock broker is a pain in the butt so they want to give you a free share of stock to give them a try. It’s more direct and probably cheaper than buying an ad anywhere else… plus they can keep track of it. They’ve been doing the promotion for so long that if it wasn’t profitable, they would’ve cut it a long time ago.

Just last year, Robinhood scored a $323 million Series E funding round valuing their company at $7.6 billion. BILLION. And they’re looking to raise even more money in 2020. Flush with all that cash, they need even more customers so it’s time for you to get on top of their free stock promotion!

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About Jim Wang

Jim Wang is a forty-something father of four who is a frequent contributor to Forbes and Vanguard's Blog. He has also been fortunate to have appeared in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Jim has a B.S. in Computer Science and Economics from Carnegie Mellon University, an M.S. in Information Technology - Software Engineering from Carnegie Mellon University, as well as a Masters in Business Administration from Johns Hopkins University. His approach to personal finance is that of an engineer, breaking down complex subjects into bite-sized easily understood concepts that you can use in your daily life.

One of his favorite tools (here's my treasure chest of tools,, everything I use) is Personal Capital, which enables him to manage his finances in just 15-minutes each month. They also offer financial planning, such as a Retirement Planning Tool that can tell you if you're on track to retire when you want. It's free.

He is also diversifying his investment portfolio by adding a little bit of real estate. But not rental homes, because he doesn't want a second job, it's diversified small investments in a few commercial properties and farms in Illinois, Louisiana, and California through AcreTrader.

Recently, he's invested in a few pieces of art on Masterworks too.

>> Read more articles by Jim

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

  1. Alex says

    Jim is truly one of the best financial bloggers in today’s environment. His website offers an array of accurate information explained in a fashion that can help anyone.
    Thanks to his dedication and hard work others can benefit from these simple tactics, ideas and offers and educate themselves along the way! Keeping up with wallethacks on a daily basis is a win/win! Thanks

  2. Robin says

    I’m 62 and try to get by on my disability check, $1130 a month. As you can imagine, there is always more month than money! Any suggestions or advice would be greatly appreciated.

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