14 Apps That Pay A $25 Sign Up Bonus (Or More) in 2023


Sign-up bonuses are an easy way to make a few extra bucks by joining new services. Several merchants offer bonuses as high as $25, and sometimes higher after completing qualifying activities.

For example, you can earn a $25 sign-up bonus by opening a new banking account, investment account, or cashback shopping app. There is plenty of flexibility so you shouldn’t have a problem finding a way to make more money. 

How To Get A $25 Sign Up Bonus Today

As you compare the various apps, consider the activity requirements before joining to determine if you can earn the bonus. These apps provide a variety of services and are listed alphabetically.

1. Rakuten

Rakuten is a cashback app with a valuable and easy-to-earn $30 sign-up bonus. You will receive your bonus after spending at least $30 on a qualifying online purchase. 

The bonus is sent by check or PayPal within 15 days though all future cashouts are quarterly with a $5.01 minimum redemption. This app is one of the best ways to make $30 fast because of the quick payment speed.

The rewards program partners with over 3,500 retailers that likely includes places you normally shop at such as Kohl’s, Nike, Under Armour and Zappos. Most retailers award up to 10% back.

Most of the shopping offers are for online merchants that you can access from the mobile app, website or browser extension. Select stores offer in-person cashback when paying with a linked payment card.

2. Acorns 

acorns claim your $20 bonus

Acorns is a micro-investing app that can automatically round up your purchases and invest your spare change in a managed portfolio. During the initial setup, you can choose a recommended asset allocation and the app automatically rebalances your portfolio.

The sign-up bonus can be as high as $20. Typically, you can earn the bonus after making your first recurring investment of $5 or more. 

In addition to the new account signup offer, the investing app offers cashback at participating shopping partners. You can earn bonus cash at your favorite stores, restaurants and gas stations. The app invests your shopping rewards in addition to your regular contributions.

While Acorns is best for investing small amounts of money, you can also open a banking account with fee-free ATM access and the ability to receive direct deposits up to two days earlier. Upgrading to the family plan lets you open custodial investment accounts for children.

This app can make investing and banking easier by automating the process. However, the monthly fee is $3 for individual accounts and $5 for family accounts. 

3. Current Banking

Current Banking is a free banking app offering up to $50 bonus cash for new members. 

To earn the bonus, download the Android or iOS mobile app and enter promo code WELCOME50. Next, receive a qualifying direct deposit of $200 or more within the first 45 days. You receive your bonus within 10 days of the qualifying deposit date.

Parents and teens can open a free spending account without minimum balance fees or overdraft fees. There are more than 40,000 fee-free ATMs nationwide and the app removes gas hold charges that negatively impact debit cards with low account balances.

In addition to the spending account, members can open high-interest savings pods and automate savings with spending roundups. 

These savings and spending features help make Current one of the best money apps for teens. 

4. Chase College Checking

College students can earn $100 by opening a Chase College Checking account and completing 10 qualifying transactions within 60 days of enrollment. You can apply online or at a local Chase Bank branch. 

Additionally, students enjoy waived monthly service fees for up to five years or the expected graduation date, whichever occurs first. The monthly fee is $6 once the waiver period ends.  

This checking account for college students provides local banking support at Chase Bank branches, money management tools via the Chase mobile app and free withdrawals at in-network ATMs.

You must be at least 18 years old to open this account. Parents may consider Chase First Banking for children between ages six and 17 to get debit card access.

5. Ibotta

If you buy name-brand groceries or shop online, Ibotta can be an easy way to scoop up a sign-up bonus of up to $20. The bonus value depends on the current promotion and changes regularly. A recent offer was earning $10 bonus cash after spending $30 at online retailers. 

You can earn cashback on groceries by activating in-store offers and buying participating brands and scanning your receipt. It’s also possible to save money on online grocery orders that you pick up or have delivered.

Additionally, the rewards app partners with over 750 retailers to give you a percentage of each transaction amount back. Online shopping rewards are available through the app and web browser extensions.

The minimum redemption is $20 for gift cards, bank deposits, and PayPal Cash. 

There are other apps like Ibotta to explore for more cashback opportunities and signup bonuses.

6. Nielsen Computer and Mobile Panel

neilsen - Up to $60 in points for gift cards

Most minimum $25 signup bonuses require upfront purchases or account deposits. That’s not the case with Nielsen Computer and Mobile Panel which lets you effortlessly earn up to $60 per membership year.

This isn’t a traditional signup bonus but it’s a passive income stream as you install software on your computer and mobile devices to share how you use your electronics. You will receive monthly credits worth up to $60 annually in gift cards and PayPal rewards.

Panelists have two additional ways to win money. First, you can earn free game tokens for instant-win scratch cards. Second, you’re automatically entered into the $10,000 monthly sweepstakes.

You can get paid for sharing your data and the platform keeps your personal details anonymous. The NCPMobile app is another Nielsen product that awards points by uploading your shopping receipts and answering opinion surveys.

7. M1 Finance

Investing apps tend to have the most valuable sign-up bonuses. M1 Finance is offering $100 when you fund your brokerage or retirement account within 30 days of account opening.

The minimum deposit is $100 for taxable accounts and $500 for tax-advantaged retirement accounts. It’s free to open your account and there are no trading fees. You can build your portfolio with stocks, funds, premade pies and the app dynamically rebalances.

There are periodic investment account transfer bonuses that can help you earn more money. However, these promotions can require depositing several thousand dollars at once to earn the extra bonus and are only relevant for established investors.

M1 is an investing app, first and foremost, but it also offers an FDIC-insured banking account and an interest-bearing savings account. 

Upgrading to the optional M1 Plus tier costs $10 per month and lets you earn a higher interest rate on deposits, cashback at merchants and more investment tools.

8. Payoneer

The mobile wallet Payoneer provides a $25 bonus through its referral program. You will need to sign up through a friend or relative’s referral link. After you earn your first $1,000 through the app, you each receive $25.  

This app is ideal for freelancers with international clients and people with gig economy jobs. Joining is free but you must earn business income to qualify. Thankfully, the membership criteria is flexible and most service providers or online sellers are eligible.

The payment app lets you send money internationally, receive funds in your local currency and send free invoices to request payment.

Consider these additional best apps for freelancers to boost your earning potential.

9. Robinhood

Receive one free stock share when you open a new Robinhood account. The share can be worth up to $200, although 98% of shares are worth between $5 and $10. Still, it’s free money and you can enjoy several fee-free investing perks.

One of the best reasons to invest through Robinhood is the ability to fractional shares of stocks and ETFs. The minimum investment is $1 compared to most brokerages that require at least $5 or having to buy full shares.

You can open taxable brokerage or tax-advantaged retirement accounts. There are zero service fees and no minimum balance requirements. There is also a money management account to earn a competitive interest rate on your un-invested cash.

This app makes investing for beginners easier although you must self-manage your account. Additionally, you should practice risk management by keeping a diversified portfolio and thoroughly researching potential investments. 

10. SoFi

Sofi - Get up to $510

SoFi has several sign-up offers that can help you earn a combined bonus exceeding $500. The platform offers several personal finance products to help you bank, invest and receive credit insights.

Three offers to consider first:

  • Banking: Open a SoFi Checking and Savings account and receive up to $250 bonus cash with qualifying direct deposits. This product earns a competitive interest rate, earns debit card rewards and has no account minimums or service fees.
  • Credit insights: Credit Insights by SoFi offers free credit score monitoring. New users without any other SoFi accounts can earn a $10 bonus.
  • Investing: Deposit at least $10 into a SoFi Active Invest account play the Claw Game to receive a reward between $5 and $1,000. Most bonuses are worth $5, $10 or $25. The app offers free trades and a $1 investment minimum for stocks and ETFs.

This platform is also an excellent option for consolidating credit card debt as the lender doesn’t charge origination fees and offers complimentary unemployment protection and career counseling.   

11. TopCashback

The TopCashback signup bonus is usually $10 but is sometimes as high as $20. However, you usually need to earn at least $10 back within your first membership year to receive the bonus.

Thankfully, it’s easy to earn the bonus if you shop online regularly as there are 7,000 participating stores. The majority award up to 10% back. 

There is no redemption minimum for bank deposit, PayPal Cash or gift card payouts. Select gift cards are eligible for a redemption bonus including Amazon gift cards.     

12. Upromise

Paying for college is a little easier with UPromise as you can receive up to a $30 bonus with a new 529 plan. Your cashback rewards deposit into your child’s college savings plan.

This is a two-step bonus offer:

  1. Verify your email address and earn an initial $5.29
  2. Link a 529 account and earn the remaining $25 after the first month

The platform provides several ways to make bonus contributions, including dining, grocery and shopping offers. There are also college scholarships awarded monthly.  

13. Spruce

Spruce is a mobile banking app powered by online tax prep service H&R Block. It’s free to use and designed to help people with minimal banking experience to easily access their money and earn cash back rewards. 

New members can earn a $50 bonus by receiving at least $200 in qualifying direct deposits during the introductory period. 

You can use the debit card to earn cash back at participating merchants or make free withdrawals at over 55,000 ATMs. There are basic budgeting tools as well.

14. Webull

Webull offers one of the most generous free stock sign-up bonuses with up to 12 free shares. After opening an investing account, you will receive six, 10 or 12 free shares. Each share is usually worth between $3 and $10 but some shares can trade for as much as $3,000.

There are no account minimums or service fees. The minimum investment is $5 and you can purchase fractional shares of stocks and ETFs.

This is one of the best stock trading apps as it has advanced charting tools and a stock market simulator. It can be a good fit for new and experienced investors. 

Frequently Asked Questions

Here are several factors to consider as you compare the best signup bonuses.

Why do websites pay you to sign up?

Websites and apps offer signup bonuses to attract new customers and reward loyal users. Competition is fierce and many competing services offer similar perks and an upfront cash bonus can be a deciding factor. 

Additionally, most bonus offers require members to complete a qualifying transaction or deposit a minimum amount of cash. These interactions let the customer decide if the platform is a good fit for long-term use. Further, the business has more resources to grow.

Can I make $25 instantly by signing up?

It’s possible with certain offers although “instant” usually means within 10 business days. This waiting period provides the company time to verify the transaction is legit to prevent signup bonus scams. Other offers may take several weeks to complete.

Are sign-up bonuses worth the effort?

Earning a bonus is worth the effort when you plan on using the platform long-term and the service fees are reasonable or non-existent. Typically, more valuable offers require earning direct deposits or making a purchase. 

For banking app bonuses, it can take time to switch your banking details and you may need to maintain a minimum balance for an extended period. Switching banks to earn the cash may not be worth it if the app is frustrating or there are expensive account fees.

With cash back bonuses or survey site bonus offers, you must determine how soon you can withdraw your earnings. If it’s not immediate, evaluate the waiting period and how much effort is required to satisfy the redemption minimum.

Summary 

A $25 sign up bonus, or even a higher bonus can be an exciting way to get free money and also discover a new service that can improve your life.

There are other ways to make money fast if you need consistent income or want to earn more.



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