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Sign-up bonuses are some of the best ways to earn some free cash.
We’ve compiled a list of 20+ sites that give you bonuses of $5 or more just for signing-up.
None of them require a credit card and are 100% free to join.
Want to skip the reviews and get right to it?
Here’s a short list of our favorites:
- Swagbucks ($5 sign-up bonus)
- Ibotta ($10 bonus after complete first offer)
- FusionCash ($5 bonus)
- WealthSimple ($50 bonus after deposit first $500)
- TopCashback ($10 sign-up bonus)
- More below…
Prefer to watch this article in video format? Click the play button below!
With that said, let’s get started.Table of Contents
1. Swagbucks
- Registration Bonus: $5
Swagbucks is one of the most popular short task sites on the web.
Earn cash for tasks that you most likely already complete on a daily basis.
This includes watching videos, playing games, referring friends, shopping online and more.
Swagbucks is currently offering a $5 bonus to any new user, and you need only $10 to cash out.
I typically find that you can earn an easy $5 by completing a 30-minute survey.
My favorite part about Swagbucks is their watching videos activity.
Simply click the play button and videos will play continuously – without the need to hit a next button.
This means you’re essentially earning a passive income by watching videos since you only have to click a button once.
Earn even more with the Swagbucks referral program. For each friend that you refer, you get 10% of all of their earnings for life.
2. Ibotta
- Registration Bonus: $10 after you scan your first receipt
Ibotta is a receipt scanning app that pays you to take pictures of your receipts.
Earn cash back on groceries, electronics, alcohol, meals at restaurants, online purchases and more.
Expect to earn anywhere between $.25 and $5 in cash back per offer – break this $5 threshold by claiming more than one offer per receipt.
The best part?
You get a $10 sign-up bonus as a new user when you join and complete your first offer.
Ibotta recently came out with a new cash back feature that pays you when you shop through one of their partner apps.
For example, shop through the Groupon app and earn 10% of your total purchase price in your Ibotta account.
You need a minimum of $20 to cash out, but since they have a lot of products listed you shouldn’t have any trouble cashing out for your first time.
Rewards are given in either gift cards or PayPal credit.
3. FusionCash
- Registration Bonus: $5
FusionCash is a rewards site that pays you to complete multiple tasks such as downloading apps, completing offers and surveys or just watching videos.
You get a $5 sign-up bonus and it’s not difficult to earn quite a bit of money when you first register since the offers will be so abundant.
You also get anywhere from $1 – $5 for every referral depending on how well they do.
4. TopCashBack
- Registration Bonus: $10
TopCashBack is an online shopping portal that partners with thousands of online retailers.
Each time you click on one of their affiliate links to a retailer of your choosing, they earn a commission and return the majority of this amount to you.
Once you hit a minimum of $20 in your account, you’re able to withdraw it to your PayPal account.
I prefer TopCashBack over most portals because their rates are usually the highest and you can earn a 2.5% cash out bonus if you redeem for an Amazon Gift Card instead.
As a new user, you’re automatically given a $10 bonus.
5. Ebates
- Registration Bonus: $10
Ebates is another portal that while not as good as the other 2 mentioned above, sometimes they have special promotions that put them at the top.
When you sign-up, you can choose between either a $10 Walmart gift card or a $10 sign-up bonus that goes into your Ebates account.
You’ll need a minimum of $20 to cash out, and checks can take anywhere from 30-60 days to arrive in the mail.
PayPal is usually the best and quickest option.
6. WealthSimple
- Registration Bonus: $50
WealthSimple is one of the most popular robo-advisor programs.
Know nothing about investing but want to get started?
That’s where WealthSimple has you covered.
Based on your financial profile, WealthSimple will pick out the best financial portfolio to help you start investing in your future.
The investments they make are based on long-term, steady growth, expecting you to earn anywhere between 3% – 10% on your money.
Keep in mind that all investments are researched by top financial experts in the industry.
This is a much better way to invest instead of doing it on your own.
The best part?
Get a $50 bonuswhen you deposit your first $500.
After you receive the bonus, feel free to withdraw all of the cash you have into your bank account.
7. MyPoints
- Registration Bonus: $10
MyPoints is another short task site like Swagbucks.
Earn cash when you watch movies, take surveys, shop online and more.
When you earn your first $20 with MyPoints within the first month, they give you a $10 bonus.
You need a minimum of $20 to cash out, but I find that with this site I can usually reach this amount quite quickly.
Earn even more with their referral program.
For each friend that you refer, you get 10% of all of their earnings for life.
This is definitely one of the better rewards sites out there next to Swagbucks.
8. Acorns
- Registration Bonus: $5
Acorns is another robo-advisor app like WealthSimple.
Answer questions based on your current financial status, and Acorns helps you make investments based on your answers.
Again, these investments are selected from top financial experts within the investment industry – this is much safer if you don’t have any background knowledge of investing.
Get a $5 bonus as a new user.
The great thing about Acorns is their ‘spare change’ feature.
When you link your credit card, all purchases are automatically rounded-up to the nearest dollar.
The difference gets invested toward your future, cents at a time.
This way you can gradually build up your savings (and investments) without having to keep track of it.
9. Raise
- Registration Bonus: $5
Raise works slightly differently by giving you a $5 bonus after your first purchase, but they’re such a great resource that we couldn’t pass it up.
They sell discounted gift cards and offer some of the best rates around compared to other gift card websites.
For example, I can sometimes get Red Robin gift cards for nearly 20% off.
That means for every $100 I spend there I’m only paying $80.
Definitely a must for thrifty shoppers.
10. BeFrugal
- Registration Bonus: $10
Like TopCashBack, BeFrugal is another shopping portal that also gives you great rates when you use their affiliate links for online shopping.
They earn a commission, and then give away the majority of it to you.
Their rates change frequently so it’s important to check back and see when they’re doing specials.
You need $20 to cash out and your cash back is credited after just 10 days.
Get a $10 bonus automatically when you sign-up as a new user.
11. InboxDollars
- Registration Bonus: $5
If you like completing surveys online, watching videos, or participating in a few offers for some extra cash, InboxDollars is just for you.
Get $5 when you sign-up with a minimum of $30 to cash out for either a gift card or cash payment.
They do have a cash back portal, but I highly recommend using the other ones on this list as they usually have better rates.
I highly recommend reading our Complete InboxDollars Guide to figure out the best way to earn money with
The big difference between InboxDollars and other short task sites is that they actually pay you for reading emails.
Earn a few extra cents with just a couple of clicks.
12. PointClub
- Sign-Up Bonus: $5
- Type: Survey Company
PointClub is an online survey site that pays you for your opinion.
You’ll earn a cool $5 bonus after you register for the site and complete your profile.
A standout feature you’ll love about PointClub is their Member GuideBook, located in the lower lefthand corner of the site.
The guidebook will show you everything you need to know to get the most out of PointClub including tips for answering questions, instructions on taking quizzes, polls, and more.
This is a great company to put toward your survey taking efforts.
They have a long-standing reputation of being one of the best survey sites online.
13. Cardpool
- Sign-Up Bonus: $5
- Type: Gift Card Reseller
Cardpool is also a gift card seller website and has competitive prices with Raise. You can get $5 off your first purchase when you sign-up for them. If you’re looking for a specific gift card, you’re more than likely going to find it on one of these 2 sites for some of the best prices around.
14. Delivery.com
- Sign-Up Bonus: $7
- Type: Food Delivery Service
Delivery.com is a food delivery service that partners with local restaurants in your area and delivers food from them directly to your door. The only problem is that they might not be located in your area if you don’t live in a big city. The $7 sign-up bonus might be just enough to cover a meal, but take into account that you may have shipping costs along with a type. Still not a bad deal for free money.
15. Amazon Shopping App
- Sign-Up Bonus: $5
- Type: Shopping Site
Love shopping on Amazon? When you download their shopping app for the first time you get $5 in Amazon credit. Take note that this bonus will only appear if you’re using the mobile app and when you get to the final checkout screen. For every friend you refer you also get another $5.
16. AppMan
- Sign-Up Bonus: $5
- Type: Rewards App
AppMan is one of my favorite rewards apps around. You get $5 just for installing it, and you get paid to download apps and try them out. It doesn’t cost you anything to download apps, and the only requirement is that you install them and open them at least once. We recently did an article about apps that pay you to download other apps with a FAQ.
17. ExtraBux
- Sign-Up Bonus: $5
- Type: Cash Back Portal
ExtraBux gives you $5 when you sign-up, and you need a minimum of $20 before you can make your first cash out. For each referral you make, you get 5% of all of their earnings for life. While their rates aren’t the best compared to competing portals, sometimes they do have some great rates depending on the retailers.
18. Jet.com
- Sign-Up Bonus: 15% or $10 – $15
- Type: Shopping Site
Jet.com was originally created to compete with Amazon. After much comparison between the two, it actually turns out that Jet on average has cheaper prices. Furthermore, the more you buy the bigger your discount gets.
The reason why we listed them on here is because their sign-up bonuses change quite frequently. Right now they’re offering 15% off of your first purchase, but in the past they’ve offered anywhere from $10 – $15 in free credit when you first register.
They have some of the best prices around, and be sure to check out the Jet Shopping Portal.
19. NetSpend
- Sign-Up Bonus: $20
- Type: PrePaid Account
NetSpend is a prepaid debit card account and was recently featured in our article regarding 5 accounts that pay 5% interest or more. Registration works just like a bank account, and everyone who applies is approved. When you deposit a minimum of $40 via an ACH transfer from you’re bank, you’re given a $20 sign-up bonus. Every friend you refer that deposits $40 also gives you another $20. The one thing you should be aware of is that you need to use your debit card once every 90 days or you will be charged a small inactivity fee unless you have $0 in your account. This is a soft pull.
20. Opinion Inn
- Sign-Up Bonus: $10
- Type: Survey Site
Opinion Inn is the place to get paid to share your opinion. This online platform works with research facilities and companies to find high quality survey takers to respond to a variety of topics like consumer products, medical conditions, and more. Projects pay $.50 to $500, often for less than 30 minutes of your time, according to the company.
You earn via PayPal cash, gift cards, and more.
Opinion Inn pays a $10 sign-up bonus.
Final Thoughts
We’re going to keep adding to this list, so feel free to check back. We’d also love to hear if you happen to know of a website or app that offers a registration bonus of $5 or more. Questions or comments? Leave them down below. Thanks for reading!
Contrary to the popular statement, in some cases, there is such a thing as a free lunch. When you sign up for a cash-back rewards checking account, you earn back a percentage of every dollar you spend, which is kind of like getting an automatic discount on everything. (Hey, that discount might only be 1%, but it still counts!)
What’s more, certain banks and credit unions will actually pay you a hefty bonus just for opening your account. You could get a sign-up bonus of $200, or a whole lot more, just for becoming a customer. That isn’t a bad way to earn an extra couple hundred bucks if you ask us.
Both the long-term earning potential of a cash-back rewards account and the instant-gratification windfall of an opening bonus are great ways to make free money just by finding a place to keep the money you already have. In this post, we’ll go over the very best bank and credit union offerings to help you earn money just by having money.
5 Best Rewards Checking Accounts
They say you have to spend money to make money. And while that may be true in a broader sense, these rewards checking accounts make it easy at a granular level, too. And better yet, each and every one of these accounts is totally fee-free when you meet certain minimum stipulations.
1. BBVA
BBVA is one of our favorite banks overall, and for good reason. It offers totally-free, full-service accounts without any monthly fees, as well as an accessible second-chance banking option for those with a ChexSystems record.
What’s more, account holders can earn cash back on everyday purchases through its easy-to-use Simple Cashback system. This rewards program is available to Online Checking account holders, who aren’t charged monthly service fees or required to keep a minimum account balance.
You’ll also get access to your cash through a network of more than 64,000 fee-free ATMs, as well as enjoying mobile and online banking including remote check deposit capabilities. BBVA also offers great interest rates on money market accounts and CDs.
BBVA uses EWS to screen new applicants.
Features and Benefits
- Minimum deposit: $25
- Monthly service charge: none
- Details: Earn cash back by activating offers on everyday debit card purchases through BBVA Compass's Simple Cash Back program. Offers are based on your existing spending habits, so they're tailor made for your specific needs and desires, and the rewards are deposited directly into your account.
2. Aspiration
If saving cash is important to you, Aspiration’s Spend & Save Account is a great option. It’s a combination checking and savings account done entirely digitally, which means a greener future for both your pocket and the planet.
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You’ll earn a generous 2% APY in interest on savings account deposits, and unlimited cash back of up to 1% on everyday purchases.
They also offer users fee-free access (or fee reimbursements) to every ATM on Earth. It also offers its users $1,000 in expense reimbursement in the case of identity theft or fraud.
Aspiration works on a pay-what-you-want model, which means you can access its generous suite of financial tools and rewards entirely free, or choose to kick a buck or two their way on a monthly basis.
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Features and Benefits
- Minimum deposit: $10
- Monthly service fee: none
- Details: Up to 1% cash back is earned on all debit card purchases, with additional cash back being offered on purchases made from certain merchants. Cash-back percentages are subject to change at any time.
3. Axos Bank
Originally known simply as Bank of Internet and having been in business since the turn of the century, Axos Bank is the OG when it comes to digital banking.
So it’s no surprise that it brings the big guns when it comes to stellar online-only banking options, our favorite of which is its CashBack Checking Account: users earn up to 1% cash back on all transactions that require a signature. (You do have to maintain a $1,500 balance to qualify for the offer, however.)
No matter which checking account you open with Axos Bank, you’ll have access to tools like free mobile banking, and unlimited domestic ATM fee reimbursements so you can always get your hands on your money. Axos also takes your security seriously with its two-step user authentication system and 128-bit SSL encryption.
Features and Benefits
- Minimum deposit: $0, but you must maintain a $1,500 balance to qualify for cash-back rewards
- Monthly service fee: none
- Details: Earn up to 1% cash back on regular transactions that require a signature, so long as you meet minimum balance requirements.
4. Discover Bank
With no monthly service charges, no minimum account balances, and no minimum deposit to get started, Discover’s free online checking account is one of the best.
Plus, you’ll get 1% cash back on up to $3,000 of debit card purchases per month, there’s plenty of incentive. You’ll also pay no ATM fees at more than 60,000 fee-free ATMs, and if you happen to lose your debit card — no problem. There’s no fee to replace it.
Features and Benefits
- Minimum deposit: none
- Monthly service fee: none
- Details: Earn 1% back on up to $3,000 of regular debit card purchases per month. Offer does not extend to ATM transactions, peer-to-peer payments like Apple Pay and Venmo, or the purchase of cash equivalents like money orders.
Learn More →5. Consumers Credit Union
If you can maintain a relatively high daily balance, you could put your money to work for you at Consumers Credit Union. Their free high yield checking accounts earn up to 5.09% APY, depending on which set of requirements you meet.
However, even the lowest tier earns 3.09%. (Keep in mind that the average interest-earning checking account earns only 0.06%, according to the FDIC; even savings accounts only bring in 0.09% on average.)
You can open and fund a deposit online in just minutes, or, if you’re in the state of Illinois, walk into one of more than a dozen branches the credit union has in the state. Best of all, the account carries no monthly maintenance fees or balance minimums. Although if you drop below $10,000, it’s only 0.01% APY, which is still something!
Features and Benefits
- Minimum deposit: none, but $10,000 to earn high-level rewards
- No monthly fees
- Details: Earn 3.09%, 4.09%, or 5.09% APY on your account balance depending on the level of activity requirements you meet each month. See the website for full details.
5 Best Bank Account Sign-Up Bonuses
Cash-back rewards can help you rack up spare change in the long run. But if you’re looking for a windfall sooner rather than later, sign-up bonuses are where it’s at. You can earn as much as $750 just for opening a new bank account, so long as you can meet certain opening deposit requirements.
6. Chase - up to $200
Chase allows you to choose the bonus offer that best fits your needs: earn $200 by opening a Chase Total Checking account and setting up direct deposit.
The monthly service fee of $12 will be waived if you meet the qualifying activities.
If you’re looking for a credit card, Chase also offers some of the best travel and cashback rewards credit cards.
Features and Benefits
- Maximum sign-up bonus available: $200
- Minimum bonus requirements: Varies by account; see website for details
- Monthly fees: $12 or $0, by meeting certain qualifications
7. Citi Bank - up to $700
If you need a new checking account and a new savings account, opening them at Citi Bank could pay big time. They offer an opening bonus of up to $700 when you become a new customer and complete required activities.
Features and Benefits
- Maximum sign-up bonus available: $750
- Minimum bonus requirements: Deposit and maintain $15,000 across your checking and savings accounts for two months, and also receive one qualifying direct deposit into your account per month for the first two months after opening
- Monthly fees: $25, which is waivable if you maintain an average monthly balance of $10,000+ across your linked Citi Bank deposit, retirement, and investment accounts
8. HSBC - up to $450
Depending on what tier of checking account you open, you could earn up to $450 just by becoming a customer with HSBC.
This super-generous bonus is only available to Premier Checking account holders that complete qualifying activities.
With HSBC, you’ll get access to top-of-the-line banking tools and services, such as 24/7 online and mobile banking, and a suite of helpful planners, calculators, and budgeting tools built right into your banking interface.
HSBC also offers a personal line of credit to its customers, which can help borrow money as you need it at a competitively low interest rate.
Features and Benefits
- Maximum sign-up bonus available: $450
- Minimum bonus requirements: Deposit and maintain a certain minimum account balance for 90 days after opening your account. (Minimums vary depending on tier of checking account; see paragraph above and website for details.)
- Monthly fees: $50/$25/$15 based on your checking account tier; waivable by maintaining minimum account balances or with recurring direct deposit
9. PNC Bank Virtual Wallet - up to $200
PNC Bank calls its digital-only checking account a “virtual wallet” and you’ll earn up to $200 when you open one, depending on how much you can add via direct deposit.
For this highest-tier reward, you’ll have to complete the qualifying activities.
Paychecks, pension payments, social security deposits, and other sources of regular monthly income all count as qualified direct deposits. The account also offers fee reimbursements when you visit other banks’ ATMs, as well as $10,000 worth of ID theft reimbursement coverage.
Features and Benefits
- Maximum sign-up bonus available: $200
- Minimum bonus requirements: Make qualifying direct deposits of $5,000 (or $2,000, or $500) and complete 10 purchases with your debit card within the first 60 days of opening the account.
- Monthly account maintenance fees: $7, waivable if you maintain a $500 monthly average balance or make $500 in qualifying direct deposits on a monthly basis -- or if the user is over 62 years of age
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10. Wells Fargo (No Longer Available at This Time)
Nationwide giant, Wells Fargo, is offering a generous welcome bonus right now: open an Everyday Checking Account with a minimum deposit of $25 and receive at least $3,000 in direct deposit funding per month over the next 150 days, and you’ll be $400 richer.
Your $400 bonus will be deposited directly into your checking account within 45 days of meeting all the requirements. The offer is good through December 31 of 2019, but the sooner you get started, the sooner you’ll see that nice, fat bonus check.
Features and Benefits
- Maximum sign-up bonus available: $400
- Minimum bonus requirements: Deposit at least $25 to start, and then receive direct deposit funding of a cumulative monthly total of $3,000 over then next 150 days
- Monthly account maintenance fees: $10, which is avoidable by maintaining a daily account balance of $1,500, making 10 or more debit card transactions per fee period, or receiving $500 or more per fee period in qualifying direct deposits
Rewards checking accounts and opening bonuses are great ways to earn back a little (or a lot) just by finding and signing up for the banking services you already need. But keep in mind, these offers are subject to change at a moment’s notice. So, if you see one that suits your financial situation, it’s best to jump on it as soon as possible!