Making money doesn’t only mean working your 9 to 5 job. Today you can make money by signing up for apps that either help you manage your personal finances or help you make more money.
The apps on our list have great signup bonuses but also help you make the most of your earnings through saving, investing, or earning more money with get-paid-to apps.
Choose a diverse selection of apps to make the most of your signup bonuses and increase your earnings for the best results.
- Survey Sign-Up Bonus Apps
- Banking Sign-Up Bonus Apps
- Shopping Sign-Up Bonus Apps
- Investing Sign-Up Bonus Apps
15+ Best Sign-Up Bonus Apps
- Branded Surveys
- Capital One Shopping
- Fetch Rewards
Survey Sign-Up Bonus Apps
Survey apps are a great way to make money on the side with sign-up bonus apps. You can answer surveys waiting in the doctor’s office, at your child’s soccer practice, or while sitting in front of the TV. Most survey apps pay a couple of dollars per survey, but they take only a few minutes, and the earnings can add up.
💰 $10 Sign-Up Bonus App
Swagbucks is a get-paid-to app that pays members for micro-tasks, such as answering surveys, watching videos, and playing games. It also pays members cash-back for shopping online.
You can redeem your earnings for gift cards to your favorite stores or a PayPal deposit. In addition, as a new member, you can earn a $10 welcome bonus after you spend $25 in the Swagbucks app shopping online.
Swagbucks - Easy Online Rewards & Surveys
Sign Up Bonus: $10
Swagbucks is a legit money-making app where you can make money taking surveys, watching videos, playing games, and more.
💰 $10 Sign-Up Bonus App
MyPoints is a get-paid-to-app that pays you to shop, answer surveys, and do other micro-tasks. They pay as much as 40% back on your purchases, and when you sign up, you can earn a $10 signup bonus after spending $20 on the app.
MyPoints has a $25 cash-out minimum if you choose a PayPal payout. But you can cash-out with as little as $3 in earnings if you choose a gift card.
MyPoints is another great app that pays you for a variety of tasks. You’ll make the most money shopping online but can supplement your earnings by watching videos, playing games, and answering surveys.
MyPoints pays you when you shop online at your favorite retailers and delivers the rewards through free gift cards.
💰 $5 Sign-Up Bonus App
InboxDollars started as a get-paid-to app that paid members to read emails. Today they offer many more ways to earn cash, including reading emails, watching videos, shopping, playing games, and accepting offers.
When you sign up as a new member, you can earn a $5 signup bonus. InboxDollars has a $30 threshold to cash-out, but the $5 signup bonus gives you a head start. The nice thing is, InboxDollars pays in real cash, not points, so you don’t have to wonder how much you’ve earned.
Sign Up Bonus: $5
With InboxDollars, you take surveys and earn cash, it's that simple. You can even earn by watching tv!
4. Branded Surveys
💰 $1 Sign-Up Bonus App
Branded Surveys is an app that pays members points for their opinions. You can redeem the points for gift cards to your favorite stores. Branded Surveys is transparent upfront with how many points you’ll earn for each survey, and they offer many opportunities each day.
You can cash out once you reach 500 points, but they’ll reward you with 100 points just for signing up and taking your first survey.
Want to earn some extra cash in your downtime? Sign up for Branded Surveys and get paid to not only take surveys but by completing polls or referring your friends!
Banking Sign-Up Bonus Apps
Banking apps make spending and saving money much easier. Traditional banks might seem like the norm, but online banks and banking apps offer many more benefits, including sign-on bonuses. Because most banking app companies don’t have a physical location, they have much lower overhead. This allows them to offer lower fees, higher APYs, and lucrative signup bonuses.
💰 $200 Sign-Up Bonus App
By opening a new Chase Total Checking® account, you can collect the $200 bonus once you set up a direct deposit within 90 days. This is one of the easiest Chase bank promotions to apply and qualify for.
How to Qualify:
- By July 19, 2023, use the link below to open a new checking account online or get a coupon code by email if you want to open an account in a Chase branch.
- Within 90 days of opening your new account, receive a direct deposit from either your employer (paycheck or pension) or the government (such as Social Security)
- Wait for your bonus money, which should reach you within 15 business days.
Chase Total Checking®
Bonus Offer: $200
You can earn a $200 bonus after you create a new Chase Total Checking® account and complete your first deposit via direct deposit.
💰 $50 – $300 Sign-Up Bonus App
SoFi is an online cash management app. You can earn interest on your balances and cash-back rewards when you spend money. If you also set up a direct deposit, you can earn up to a $300 bonus. The amount you earn depends on the amount of your direct deposit but will be between $50 to $300.
- Earn $50: Deposit $1,000 – $1,999
- Earn $100: Deposit $2,000 – $4,999
- Earn $300: Deposit $5,000+
You also get access to your direct deposit funds up to two days early. SoFi Money doesn’t charge any account fees, and they pay a 2.00% APY which is much higher than most banks. You can set up round-ups to save money automatically and create savings goals. You can monitor your progress in the dashboard 24/7 to see how close you are to your goals.
To earn your bonus, you must set up a direct deposit, wait for it to hit, and then you’ll receive your bonus.
Discover the Best Bank Bonuses
Many banks offer signup bonuses when you open a new account. BankBonus.com aggregates these bonuses all in one place and lets you search for ones available in your area.
Shopping Reward Sign-Up Bonus Apps
Getting paid to shop is one of the best ways to earn passive income. These shopping and cash-back apps make it easy to earn money on everything from grocery shopping to holiday shopping and everything in between.
Some apps require you to activate offers before you shop, and others offer mindless ways to earn money by uploading your receipt after you shop. Most cash-back apps have a signup bonus to lure in more customers. Here are the best cash-back apps with sign-on bonuses.
7. Capital One Shopping
💰 $10 Sign-Up Bonus App
Capital One Shopping helps you score better deals on the internet. While you won’t earn cash-back, the app does help you learn where to buy products for a lower price. It also applies promo codes available at the time of purchase when you check out.
Capital One Shopping offers a $10 signup bonus, but you must make purchases of at least $25 in the first 90 days to qualify.
Capital One Shopping
Add the Capital One Shopping extension to your Chrome browser, and start racking up the savings with this free online shopping assistant!
💰 $30 Sign-Up Bonus App
Rakuten is one of the top cash-back apps. They work with 3,500+ retailers and pay back as much as 30% on your purchases.
You must shop online through your Rakuten app or dashboard to earn the cash-back, or you can download the extension to ensure you never miss a cash-back opportunity.
Rakuten cashes out your earnings each quarter, sending you a check in the mail or depositing your funds in your PayPal account. You’ll also find generous promo codes on Rakuten that you can use in addition to the cash-back options to double your earnings.
All new members will earn a $30 welcome bonus just for opening a new account and making a purchase. You’ll receive the bonus in your first quarterly payment.
Earn cash back on your online purchases with Rakuten. Signup now to earn a $30 bonus!
💰 $5 Sign-Up Bonus App
Ibotta pays you for shopping in-store and online. You can earn cash-back in-store for shopping at your favorite big box stores, like Target and Walmart. Simply activate your offers before heading to the store.
Download the Ibotta extension and select offers that match what you’re buying online. Always activate your offers before you shop, and you’ll earn cash-back that you can withdraw directly to your PayPal account.
Ibotta pays as much as 30% cash-back at top retailers, and as a bonus, you can earn $5 for signing up after you spend $15. However, the offer is only valid to customers who have never had an Ibotta account, and it doesn’t work on grocery purchases.
Ibotta: Referral Code UXQOUA
Sign-Up Bonus: $5
Ibotta gives you cash back every time you shop – with some retailers offering up to 30%!
💰 $5 Sign-Up Bonus App
Shopkick makes it easy to earn money to shop. Sometimes, though, you don’t even have to make a purchase. Instead, they may pay you ‘kicks’ or points for walking into a store and scanning a barcode or uploading a specific picture.
Companies pay members to do this to check up on stores to see how they’re showing their products. Sometimes they need specific pricing information or a picture of the product’s location. They’ll tell you what specifics you must meet to get the points.
You can also earn money shopping online through the Shopkick dashboard at your favorite stores, watching videos, or browsing content on the app. It’s a great get-paid-to app that provides many ways to earn money.
If you want to try Shopkick, they’ll pay a $5 signup bonus, so you can try it out and see how fun it can be to earn ‘kicks’ which you can convert to cash or gift cards to your favorite stores.
11. Fetch Rewards
💰 $5 Sign-Up Bonus App
Fetch Rewards is one of the easiest cash-back apps to use. You don’t have to activate offers or buy anything specific. Instead, you can upload receipts from anywhere you go, whether a store or restaurant and receive points for it.
They offer bonus points if you purchase specific items, but you don’t have to activate the offer before shopping. Instead, you’ll automatically be rewarded for any applicable purchases when you upload your receipt.
When you sign up, you can earn 5,000 bonus points which is equal to a $5 gift card when you redeem your points. You’ll earn a minimum of 25 points per receipt uploaded but may earn more if you purchase any of the products specified.
💰 $20 Sign-Up Bonus App
Tada is another cash-back app that pays you to upload receipts. You must create a list first, which is like activating offers. Then, after you purchase the items and upload your receipt, you’ll get credited for your purchase.
Tada pays new members up to $20 in signup bonuses, which you can earn in several ways.
- Link your account at any partner store and click ‘scan account’ in the app so Tada can verify the account and reward you with $5
- Add any item to your shopping list, and upload or scan the receipt with the qualifying item to earn a $3 bonus.
- Add another qualifying item to your shopping list, purchase it, and upload the receipt to receive another $2 bonus.
- Shop through the Tada app at any linked online stores and earn a $10 bonus.
Investing Sign-Up Bonus Apps
Investing apps are making saving and investing money much easier. These apps provide 24/7 access to your accounts, allow you to manage your funds, and reach your financial goals. Because most investing app companies don’t have a physical location, they have much lower overhead. This allows them to offer lower fees, higher APYs, and lucrative signup bonuses.
💰 $150 Sign-Up Bonus App
TradeStation pays new users up to a $150 bonus for investing at least $500 within 45 days of opening the account. You must keep the funds in your account through the month following the deposit. After that, you’ll receive your bonus in two-month increments.
If you leave the $500 in your account for two months, you’ll receive the entire $150 bonus.
Investors can trade almost any asset on TradeStation, and they have zero commissions for stocks, options, and futures; however, other trading fees may apply.
💰 $10 Sign-Up Bonus App
If you’ve held off from investing because you don’t have enough money, try Acorns, the micro-investing app. You can invest your spare change by rounding up each purchase to the nearest dollar.
Acorns sweep the ‘spare change’ into an investment account, and once you have $5, they invest it. You can also set up automatic daily, weekly, or monthly contributions to further your investments even more.
There’s no minimum amount you must invest, and you’ll get $10 for free after you make your first $5 investment. Acorns offer a great way to start investing even when you don’t think you have enough money. The round-ups are automatic and mindless, making it easy to start investing.
Price: $3 per month
Easily save & invest in the background of life. Invest your spare change, save for retirement, spend smarter, earn more, and grow your knowledge.
💰 $5 – $20 Sign-Up Bonus App
Robinhood is one of the inaugural commission-free trading apps, and they’ll give you a free stock worth $5 to $20 just for signing up. You can trade stocks and ETFs on the platform, including fractional shares.
To earn the bonus, you must sign up for an account, link your bank account, and get approved. Once approved, you can choose a stock from their list of 18 companies. Most investors receive between $5 to $10, but you can use the funds to buy a fractional share of one of America’s top companies.
You must keep your gift stock for at least three trading days. After that, you sell the stock and use the funds however you want, including investing in other stocks through your Robinhood account.
However, if you want to cash-out, you must keep the gift money in your Robinhood account (not invested) for 30 days. After the 30-day window, you can withdraw the funds. Keep in mind that you’ll also incur tax liabilities if you cash-out the bonus, withdrawing the funds.
Robinhood makes investing simple with their mobile app. You'll also trade commission-free, and can start building your portfolio with just $1. Use our link to earn up to $200 in free stock.
💰 $10 Sign-Up Bonus App
Fundrise makes real estate investing possible for anyone with its low minimum investment requirements. This crowdfunding platform allows everyday investors to become commercial real estate investors.
Their starter plan requires a $10 investment, which means almost anyone can become a real estate investor. They have other plans with higher minimum investment requirements ranging from $1,000 to $100,000, but you can earn the signup bonus with just $10.
You earn prorated returns based on how much you invested. It can be a great way to get your feet wet with real estate investing without risking too much.
Fundrise pools money from investors together to invest in commercial real estate – something that’s typically out of reach for the average investor. You can invest in equity or debt investments with various portfolios for different risk tolerances.
Depending on your investment, you might earn monthly dividends from rental income or interest earned, plus capital gains when the real estate company liquidates the asset.
Your $10 bonus is in the Fundrise Real Estate Interval Fund shares, their flagship investment product.
Frequently Asked Questions
Finding the best sign-up bonus apps can increase your earnings much faster. However, many people have questions about how it works or how to get cash instantly. Keep reading to learn the answers to the most frequently asked questions I receive on this topic.
Which is the best sign-up bonus app?
The best sign-up bonus apps for you are the ones you’ll use. Most signup bonuses require you to complete a task or meet a specific threshold. For example, if a banking app pays a $100 bonus if you deposit $2,000 and leave it for three months, but you can’t meet those requirements, you won’t earn the bonus. Look for apps that have signup bonus requirements you can meet.
Other apps, like get-paid-to apps, pay signup bonuses when you complete certain tasks, or just for signing up sometimes. Read the fine print to determine what you must do to earn the bonus and how long it will take before you can cash out.
What apps make you the most money?
To earn the most money, focus on cash-back and survey apps. The get-paid-to apps pay you, but the tasks are usually minimal, as is the pay. So focus on apps like Rakuten, Swagbucks, and any investing app. The key is to take advantage of as many signup bonuses as possible while maximizing your earnings on the apps.
What app has the biggest signup bonus?
If you’re willing to take a risk and invest money, TradeStation pays the highest signup bonus of $150. But, if investing isn’t for you, Axos offers a great signup bonus, but you must deposit at least $1,000 in your account and leave it untouched for at least 90 days.
What apps pay you cash instantly?
Most apps don’t pay you instantly. Instead, you have to do the work and then wait until you reach the payout threshold. Some apps, like MyPoints, don’t have a minimum cash-out threshold if you redeem your points for gift cards. Most apps, however, require you to have a $10 to $30 balance before you can request cash.
What Prepaid Cards give you money for signing up?
Most prepaid cards have a referral bonus, which means you get paid if you refer someone using your link. For example, the Brinks Prepaid Mastercard pays you a $20 bonus when your referrals sign up and spend at least $40 using the card. The PayPal Prepaid Mastercard also pays a referral bonus of $20 and is accepted anywhere Mastercard is accepted.