Sign Up Bonuses: How to Get Free Money from 18+ Companies (September 2021)

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.

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Table of Contents
  1. Government Programs
    1. &
    2. Rental Assistance
    3. Low Income Home Energy Assistance Program (LIHEAP)
  2. Bank Sign Up Bonuses
    1. Chase Total Checking – $225
    2. Citi Priority – $300, $700, or $1,500
    3. Aspiration Spend & Save — $150 or $200
  3. Credit Card Sign Up Bonuses
    1. 🏆 Chase Sapphire Preferred Card – 100,000 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 – 40,000 points
  4. Stockbroker Sign Up Bonuses
    1. Public – $10
    2. Webull – 2 free stocks worth up to $2,300
    3. Robinhood – Free Share of Stock ($3 – $150)
    4. Ally Invest – up to $3,500
    5. Stash – $5
  5. Rewards Sites Sign Up Bonuses
    1. RebatesMe – $30 cashback bonus
    2. TopCashBack – $15 cashback bonus
    3. InboxDollars – $5
    4. Swagbucks – $5
    5. MyPoints – $10
    6. Rakuten – $10
  6. Other Sign Up Bonuses
    1. – $5
    2. HoneyGain – $5
    3. Arcadia Power – $20 Amazon Gift Card
    4. Netspend – $20 Cash
    5. Credible – $200 bonus
  7. [BONUS] MissingMoney
  8. Why Are Companies Doing This?

Government Programs &

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 or, 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. 🙂

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.

Bank Sign Up Bonuses

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

Discover Bank Logo

Discover Online Savings Account – $150 or $200

Discover Bank is offering a $150 or $200 bonus to open your first Online Savings Account. Just open it with the code WH21 by 12/15/2021 and then deposit at least $15,000 to get the lowest bonus amount. Deposit $25,000 to get the higher amount.

Learn more about this offer

Chase Total Checking – $225

Chase Bank has a great $225 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 except in Alaska, Hawaii, and Puerto Rico. For branch locations, visit

Get $225 with a Chase Total Checking Account

Citi Priority – $300, $700, or $1,500

Citi will give you $300, $700, or $1,500 if you open an eligible checking and savings account in the Citi Priority Account Package.

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

Minimum Deposit
And Minimum Balance
Cash Bonus
$15,000 - $49,999$300
$50,000 - $199,999$700
$200,000 or more$1,500

For example, you have to deposit at least $15,000 in New-to-Citibank funds within 20 days, then maintain a minimum balance of $15,000 for 60 consecutive calendar days and you’ll get the deposit within 90 calendar days.

Get $300, $700, or $1,500 for opening a new account

This content reflects the author’s opinion, analysis and/or assessment and is that of the author’s only. This content has not been provided or reviewed by Citi.

Aspiration Spend & Save — $150 or $200

Aspiration will give you $150 or $200 when you open a new Aspiration Spend & Save account and then spend $1,000 within the first 60 days of account opening. This welcome bonus does not require a direct deposit, which makes it very appealing for those of you who don’t like swapping those around just to get a bonus!

You get $150 when you open an Aspiration account or you can get $200 when you get an Aspiration Plus, though the spending requirement is the same. There are several differences with the two accounts, including how much cash back you can earn, but the fee structure is a key difference. With Aspiration, you “pay what is fair” even if it’s $0 and with Aspiration Plus it’s $7.99 per month, or $5.99 if you pay annually.

Get $150 or $200 from Aspiration

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 compile a larger list of the best credit card promotion offers here. Here are the highlights:

🏆 Chase Sapphire Preferred Card – 100,000 Ultimate Rewards points

The Chase Sapphire Preferred Card is offering a stunning bonus offer right now of 100,000 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 this card and others

TD Cash Visa® Credit Card – $150 cash back

The 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), 5% cash back on grocery store purchases (not including Target or Walmart purchases) on up to $12,000 spent in the first year, 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 – 40,000 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 40,000 points after just $1,000 in purchases in the first 3 months, plus earn 3X points on dining, including takeout and eligible delivery services, for the first year. your account is opened.

If you value each point at around 1.66 cents, that’s over $600 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.

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 – 2 free stocks worth up to $2,300

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 2 free stocks worth up to $2,300 when you open and fund an account with $100. (more details on the Webull offer)

Get Your Free Stock from Webull

Robinhood – Free Share of Stock ($3 – $150)

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.

The stock is valued between $3 and $150.

Get Your Free Stock from Robinhood

Ally Invest – up to $3,500

Ally Invest will give you a cash bonus when you open an account and deposit at least $10,000 within 60 days – this includes any amounts you transfer in from other brokerages. If you’ve been unhappy with your existing brokerage, or just looking to make a change, this is one of the richest bonuses available right now for new brokerage accounts.

Ally Invest is a great stock brokerage because they do not have a minimum balance, no maintenance fees, and there are no commissions on trades of stock, ETFs, and options. They will also reimburse you the ACAT fee, what another brokerage charges to transfer your assets in-kind, up to $150.

Read our Ally Invest review for a more detailed look at the brokerage.

Get up to $3,500 from Ally Invest

Stash – $5

Stash is an app that helps you invest even if you don’t have a lot of money to invest. You can start with as little as a few bucks and you pick portfolios of ETFs that match a theme.

It does come with fees – $1 a month for accounts under $5,000 or 0.25% per year on accounts over $5,000. It’s free for the first month.

Get $5 from Stash

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.

RebatesMe – $30 cashback bonus

RebatesMe is a cash back portal that will give you a $30 bonus when you sign up with our promotion code RMBWH. They are a great portal with some high cashback percentages especially in luxury apparel, jewelry & watches, health / supplements, sports / outdoors, beauty / skincare, and electronics.

They also have a browser plugin that can automatically check cashback rates for you.

Get $30 from RebatesMe 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, 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

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. – $5

The Cash App is a payment wallet that will give you $5 when you sign up with the promotion code ZBJVLJJ 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 ZBJVLJJ. Then transfer $5 to a friend and boom, you get $5.

Our Cash App review explains more about how it works.


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

Credible – $200 bonus

Credible is a student loan consolidation and refinance company that can help simplify your student loan situation while reducing your payments with better rates. It works with federal and private student loans, applications do not impact your credit score, and they’re looking to disrupt the loan space.

You can get a $200 bonus when you refinance your loan with them.

Get $200 from Credible

What free money offer will you snatch up?

[BONUS] MissingMoney

This first suggestion is not “free” money per se, it’s your own lost money. Go to and search for your name and state.

When banks, insurance companies, governments, etc. try to pay you and the check gets returned, it eventually goes to the state’s Unclaimed Property division. This tool, run by the Unclaimed Property Clearinghouse, searches for your money and tells you how to get it back.


Find Your Missing Money

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 thirty-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.

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  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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