# BonusBub

> BonusBub is a free website that tracks the cash sign-up bonuses offered by US banks, brokerages, cash apps, prediction markets and sportsbooks, filters out the ones with bad terms, and ranks the rest by the cash you keep for each hour of work and for each dollar you put in. It then walks people through claiming each one, with or without an email.

Offers below were last checked 2026-11-15. Amounts are the cash a person can expect to keep; for sportsbooks that means after hedging the bonus bets. US only, 18+ (21+ for sportsbooks), and some offers are open only in certain states.

## Top picks for time (most cash per hour of work)

1. [Chime](https://bonusbub.com/bonuses/chime): Up to $350 in direct-deposit rewards over three months, for three deposits of $200 or more. Keep about $350, $600 in, 15 min, $1,400/hr. Open in all US states.
2. [Fifth Third Bank](https://bonusbub.com/bonuses/fifth-third-bank): $300 for $500 in payroll or government direct deposits within 90 days (open by January 4, 2027). Keep about $300, $500 in, 25 min, $720/hr. Open in FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV.
3. [Capital One 360 Checking](https://bonusbub.com/bonuses/capital-one): $250 for two direct deposits of $500 or more within 75 days. Keep about $250, $1,000 in, 25 min, $600/hr. Open in all US states.
4. [Cash App](https://bonusbub.com/bonuses/cash-app): $10 for signing up with code J4RJ8XN and sending $5 to another Cash App user. Keep about $10, $5 in, 5 min, $120/hr. Open in all US states.
5. [Robinhood](https://bonusbub.com/bonuses/robinhood): A free stock, usually worth $5 and sometimes up to $200. Keep about $5, no money in, 5 min, $60/hr. Open in all US states.

## Top picks for money (most cash per dollar put in)

1. [MoneyLion](https://bonusbub.com/bonuses/moneylion): $5 welcome credit for signing up with code $BonusBuddy. Keep about $5, no money in, 10 min, No money needed. Open in all US states.
2. [Robinhood](https://bonusbub.com/bonuses/robinhood): A free stock, usually worth $5 and sometimes up to $200. Keep about $5, no money in, 5 min, No money needed. Open in all US states.
3. [Cash App](https://bonusbub.com/bonuses/cash-app): $10 for signing up with code J4RJ8XN and sending $5 to another Cash App user. Keep about $10, $5 in, 5 min, 200% on $5. Open in all US states.
4. [Fifth Third Bank](https://bonusbub.com/bonuses/fifth-third-bank): $300 for $500 in payroll or government direct deposits within 90 days (open by January 4, 2027). Keep about $300, $500 in, 25 min, 60% on $500. Open in FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV.
5. [Chime](https://bonusbub.com/bonuses/chime): Up to $350 in direct-deposit rewards over three months, for three deposits of $200 or more. Keep about $350, $600 in, 15 min, 58% on $600. Open in all US states.

## Every recommended bonus

- [Chime](https://bonusbub.com/bonuses/chime): Up to $350 in direct-deposit rewards over three months, for three deposits of $200 or more. Keep about $350, $600 in, 15 min, $1,400/hr. Open in all US states. How: Open a Chime Checking account through the link and set up three direct deposits of $200 or more over the first three months. Payroll and government benefits count; bank transfers, Venmo and Cash App payments don't. Activate the physical card within 14 days of the first deposit. The $600 stays yours. The referral reward that comes with the link varies by promotion, so it isn't counted here. Pays: Each reward posts within about 7 business days of its deposit. Money lands within 11 days.
- [Fifth Third Bank](https://bonusbub.com/bonuses/fifth-third-bank): $300 for $500 in payroll or government direct deposits within 90 days (open by January 4, 2027). Keep about $300, $500 in, 25 min, $720/hr. Open in FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WV. How: Open Momentum Checking through the offer page by January 4, 2027, as a new customer. Fifth Third counts payroll or government direct deposits totaling $500 or more within 90 days of opening, and the account must be funded within that time. The $300 posts within 10 business days after that, and the $500 stays yours. The offer page doesn't say whether opening the account runs a credit check, so confirm before you apply. We haven't confirmed that a transfer from Public.com counts. Pays: Within 10 business days of the qualifying deposit. Money lands within 14 days.
- [Capital One 360 Checking](https://bonusbub.com/bonuses/capital-one): $250 for two direct deposits of $500 or more within 75 days. Keep about $250, $1,000 in, 25 min, $600/hr. Open in all US states. How: Apply for 360 Checking with the offer's promo code, entered on the application. Then get two direct deposits of $500 or more within 75 days of opening, and fund the account within 60 days. Not eligible if you've had a 360, Simply or Total Control checking account since January 2024. The $1,000 stays yours. The offer page doesn't say whether opening the account runs a credit check, and we haven't confirmed that a transfer from Public.com counts. Pays: Assessed 75 days after you open; can take up to 135 days from opening to post. Money lands within 135 days.
- [Cash App](https://bonusbub.com/bonuses/cash-app): $10 for signing up with code J4RJ8XN and sending $5 to another Cash App user. Keep about $10, $5 in, 5 min, $120/hr. Open in all US states. How: Sign up through the link and enter the code J4RJ8XN when you sign up. Link a debit card or bank account and keep it linked until the bonus is paid. Within 14 days, send $5 or more to another Cash App account that isn't yours; they can send it right back. The $10 is paid within 30 days after you finish those steps, and once it's in your balance you can cash it out to your bank. Pays: Within 30 days after you finish the steps. Money lands within 30 days.
- [Robinhood](https://bonusbub.com/bonuses/robinhood): A free stock, usually worth $5 and sometimes up to $200. Keep about $5, no money in, 5 min, $60/hr. Open in all US states. How: Open an account through the referral link and link a bank account or debit card. No money has to go in. Claim the reward within 60 days and pick a stock from Robinhood's list: about 99% of people get $5 worth, about 0.9% get $10, and about 0.1% get $200. You can sell the stock 3 trading days after you claim it, and withdraw the cash 60 days after. Other bonuses can run while you wait. Pays: The stock at once; its cash can be withdrawn 60 days after you claim it. Money lands within 60 days.
- [MoneyLion](https://bonusbub.com/bonuses/moneylion): $5 welcome credit for signing up with code $BonusBuddy. Keep about $5, no money in, 10 min, $30/hr. Open in all US states. How: Get the MoneyLion app through the link (on a computer, scan the QR code it shows) and enter the referral code $BonusBuddy when you sign up. No deposit needed: the $5 posts once your account is approved, and MoneyLion's terms allow up to 14 days after the steps. When it lands you can move it to your bank whenever you like. Pays: Once your account is approved; MoneyLion's terms allow up to 14 days after the steps. Money lands within 14 days.

## How BonusBub picks

- 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.

## Using BonusBub for someone

- [Start here](https://bonusbub.com/): a few questions (accounts they already have, start small or pick their own, all accounts at once or one at a time, their state), then a plan with each bonus's sign-up link, code and steps. "Continue without email" needs no sign-up; progress stays in that browser.
- [Every bonus as JSON](https://bonusbub.com/bonuses.json): the same list with numbers, states, sign-up links and codes.
- [The ranked list and category guides](https://bonusbub.com/bonuses)
- [What's open in each state](https://bonusbub.com/bonuses/by-state): a page for every state and DC, such as https://bonusbub.com/bonuses/by-state/texas.
- [How it works](https://bonusbub.com/how-it-works)
- [Hedge calculator](https://bonusbub.com/hedge-calculator): turns sportsbook bonus bets into cash.

## Notes

- Sign-up bonuses are usually taxable: banks report them on a 1099-INT, brokerages often on a 1099-MISC.
- Bonuses take anywhere from a few hours to a few months to land after the requirements are met; each one above says when.
- BonusBub may earn a referral fee when someone opens an account through its links. It never asks for bank logins and never moves anyone's money.