Every sign-up bonus worth taking, ranked by what you keep.
Banks, brokerages, cash apps and sportsbooks pay real money to win new customers. BonusBub tracks those offers, throws out the ones with bad terms, and ranks the rest by the cash you keep for your time or for the money you put in. Then we walk you through claiming each one.
Get started with BonusBub.
A few quick questions, and we line up the bonuses that fit you, in the order you want to do them.
No sign-up. Your progress stays on this device.
- No credit card required. BonusBub is completely free.
- No credit checks. Your credit score is never affected.
- No hidden fees. You keep 100% of every bonus you earn.
The bonuses worth taking, ranked.
Every one passed our cut: no hard credit pull, no fee you can't avoid, real money at the end. Amounts are the cash you can expect to keep, checked November 15, 2026. Some are open only in certain states; your plan shows just the ones open where you live.
Most cash for your time
What you keep for each hour of hands-on work.
- 1
ChimeUp to $350 in direct-deposit rewards over three months, for three deposits of $200 or more$1,400/hr$350 in 15 min - 2
Fifth Third Bank$300 for $500 in payroll or government direct deposits within 90 days (open by January 4, 2027)$720/hr$300 in 25 min - 3
Capital One 360 Checking$250 for two direct deposits of $500 or more within 75 days$600/hr$250 in 25 min - 4
Cash App$10 for signing up with code J4RJ8XN and sending $5 to another Cash App user$120/hr$10 in 5 min - 5
RobinhoodA free stock, usually worth $5 and sometimes up to $200$60/hr$5 in 5 min
Best return on your money
What you keep for each dollar you have to put in.
- 1
MoneyLion$5 welcome credit for signing up with code $BonusBuddyNo money needed$5 to keep - 2RobinhoodA free stock, usually worth $5 and sometimes up to $200No money needed$5 to keep
- 3Cash App$10 for signing up with code J4RJ8XN and sending $5 to another Cash App user200% on $5$10 to keep
- 4Fifth Third Bank$300 for $500 in payroll or government direct deposits within 90 days (open by January 4, 2027)60% on $500$300 to keep
- 5ChimeUp to $350 in direct-deposit rewards over three months, for three deposits of $200 or more58% on $600$350 to keep
Three steps, start to finish.
- 01
We track the offers
We follow the cash bonuses banks, brokerages, cash apps, prediction markets and sportsbooks are running, and read the terms behind each one.
- 02
We cut the bad ones
A hard credit pull, a fee you can't dodge, a tiny payout for hours of work: any of those keeps an offer off the list.
- 03
You take the best ones
Pick by cash per hour or by return on your money, open the accounts, follow the steps for each, and watch what you've earned stack up.
- Bank account + debit cardLinked to new accounts so bonuses pay out. We never see it.
- A few hours of your time≈20 minutes per account. Scale the plan to your goal.
- 18+ in the United StatesBonus availability depends on your state. US-only for now.
Why companies give away sign up bonuses
Companies spend anywhere from $5–500 to acquire each new customer through traditional advertising. They'd rather pay you directly as it is more cost effective. Most people never claim these bonuses because the process feels confusing or tedious—figuring out the deposit requirements, timing it right, and tracking deadlines. That's exactly what BonusBub solves.
Hundreds of offers, always changing
There are hundreds of apps, platforms, and companies offering cash bonuses, but new offers appear every day and the details are constantly changing. Some bonuses are too small to be worth your time, while others come with confusing requirements and hidden catches.
Every verified offer in one place
BonusBub tracks every verified bonus opportunity and updates our database daily, so you only see the offers that are actually worth completing. Instead of searching across dozens of websites, you can find everything in one place and knock them out in a single session.
Pick by time or by money
Short on cash? Some bonuses need no money at all, or just a few dollars. Have savings sitting idle? The best bank bonuses pay back more than half of the deposit they ask for, and the deposit stays yours. Many users can unlock over $1,000 in cash rewards by taking advantage of available offers. BonusBub will walk you through all the tips and tricks to do so.
Why this is completely safe
We guide you — we never touch your money or your accounts.
Frequently Asked Questions
Everything you need to know before getting started
What is BonusBub?
BonusBub is a free website that tracks the cash sign-up bonuses banks, brokerages, cash apps, prediction markets and sportsbooks are offering, cuts the ones with bad terms, and ranks the rest by how much cash you keep for your time and for the money you put in. Then it walks you through claiming each one.
How does BonusBub decide which bonuses to recommend?
Every offer has to pass four checks. No hard credit pull. Opening the account never touches your credit score. No fee you can't avoid, and no purchase you'd have to make. It pays real money: cash, a stock you can sell, or bonus bets we show you how to turn into cash. It's worth the time: we work out the cash you keep for each hour it takes. What passes is ranked two ways: by the cash you keep for each hour of work, and by the cash you keep for each dollar you have to put in.
Why doesn't everyone do this?
Tracking fine print, deposit requirements, timing windows, and payout deadlines across a dozen different platforms is genuinely tedious. Most people start, hit one confusing step, and give up. BonusBub exists so you never have to figure it out alone—we walk you through every single step in order.
Is this legal?
Yes, 100%. These are official, corporate-backed customer acquisition promotions from FDIC-insured banks, publicly traded brokerages, and state-regulated gaming platforms. You are simply claiming marketing offers those companies have already budgeted and publicly advertised.
How long does this take?
Most bonuses take 5 to 25 minutes of hands-on time each, so several fit in one evening. Most payouts then arrive within a few days as each company clears your bonus, though a couple of the bigger bank bonuses can take a month or more.
How much money do I need to start?
None for some: Robinhood's free stock and MoneyLion's $5 welcome credit need no deposit, and others need just a few dollars. The bigger bank bonuses ask for $500 to $1,000 in direct deposits, which stay your money. Choose "start small, work up" and the early bonuses build the cash for the later ones.
Should I open all the accounts at once?
Either works, and you choose when you start. Every account on the list is free to open, so some people knock out all the sign-ups in one sitting and let the waits for payouts overlap; others open one account, get paid, and move on to the next.
Do I have to give my email?
No. You can use BonusBub without one, and your answers and progress stay on that device. With an email, your progress is saved to your account so it opens on any device, and we can tell you when a new bonus makes the cut.
Will this affect my credit score?
No. None of the sign-up bonuses in BonusBub require a hard credit pull. Opening these accounts has zero impact on your credit score, and we specifically exclude any offer that would.
Is there a catch?
There is no catch. Companies budget hundreds of dollars per new user through traditional advertising—paying you directly is cheaper and gets them a real active customer. You keep 100% of every bonus. BonusBub is completely free.
Ready to start stacking?
No credit card required. No credit checks. No hidden fees.