I've been making money with various sign up bonus apps for years. And it's completely possible to earn a bit of extra cash every month without much effort.
So in this post, I'm covering some of the best $20 sign up bonus offers out there you can use to get some easy money.
I've personally used many of these bonuses before. And many bloggers I know have tried out the others and verified they're legit, so there's something in this post for everyone.
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The Best $20 Sign Up Bonus Offers
The following reward websites, apps, banks, and brokers can all help you score a $20 sign up bonus or even more. And some of them even let you withdraw your funds instantly or require no deposit.
1. SoFi
Want to earn up to $300 in bonus cash and ditch your bank fees? Then SoFi could be for you.
It's checking and savings account is paying up to 4.60% APY. You can also earn up to $300 in bonus cash when you make qualifying direct deposits.
Here's how this lucrative bonus offer works:
- $50 Bonus: Requires direct deposits of $1,000 to $4,999.99.
- $300 Bonus: Requires direct deposits of $5,000 or more.
Now, you need maintain the $5,000 monthly direct deposit to earn 4.60% APY. Otherwise, you earn 1.20% APY, but this is still an easy passive income source.
You get tons of other perks too. There's no monthly account fees for starts. You also earn cash-back rewards and have no-fee overdraft coverage.
Get up to $300 from SoFi!
2. Stash
Investing in income generating assets like dividend stocks and ETFs is a proven way to become rich. And it's never been easier to get started than with the Stash app.
This investing app lets you invest in thousands of stocks and ETFs with no add-on commission fees¹. And right now, it's paying new members a $20 bonus when they sign up and invest at least $5.
I like Stash since it also supports fractional shares, so you can begin investing without much starting cash. And it only costs $3 per month to have an account, which is pretty low considering you don't pay add-on trading fees.
Get $20 from Stash!*
3. Current
If you’re on the market for a new savings account, I think Current has much more to offer than just a $20 sign up bonus.
This digital banking platform has a fee-free checking and savings account. I’m a fan of its savings account since it lets you earn 4% APY on up to $6,000, which is pretty competitive.
On top of that, new Current customers can get a $50 sign up bonus when they open a new account and use the code WELCOME50.
You have to set up direct deposits of at least $200 within the next 45 days to get this sign up bonus. But if you make money from various gig apps or your job, this should be pretty simple.
And once you open your account, you can basically earn money on autopilot by putting some idle cash in the 4% savings account.
Learn more about Current!
4. Cleo
Cleo is a clever finance app that can help you learn how to budget. And it's also one of the best cash advance apps and can let members borrow up to $250 against an upcoming paycheck.
That's right: Cleo helps its members get paid sooner. And while this isn't the same as a bonus, the early payday can be super useful if you need money for rent, bills, or other expenses.
Cleo is packed with other features too. It can help you build your credit for starters. And it even has a high-yield savings account that pays 4.11% APY right now. But its cash advance feature is by far our favorite.
Try out Cleo today!
5. Capital One Shopping
Tired of overpaying when you shop online? In that case, Capital One Shopping can help you out.
This is another favorite browser extension of mine. It helps you save money by automatically applying available coupon codes at checkout, and it works with thousands of stores.
There's sometimes a $10 bonus to help new members get started. And I also like that Capital One Shopping has a price comparison tool to help you find deals and ways to save.
Start saving with Capital One Shopping!
Note: Capital One Shopping compensates us when you sign up with the provided links.
6. Upgrade
Are you on the market for a new checking account? If so, Upgrade is worth checking out.
This is an easy way to sign up and get more than $20. In fact, you can get a $100+ sign up bonus if you open a new Upgrade Rewards Checking Account.
All you have to do is open an account and complete three debit card transactions. And this account has numerous perks, including unlimited 1.5% cash back, no maintenance fees, and gives you 60 days to complete the bonus!
Get $200 from Upgrade!
7. Swagbucks
Swagbucks is a popular get-paid-to website and app that lets you earn PayPal cash and gift cards in your spare time.
It’s also an easy way to sign up and get $20 if you’re willing to put in a bit of work.
For example, new Swagbucks members can earn a free $5 bonus if they sign up and earn at least $25 worth of points within their first 60 days.
This isn’t too difficult since Swagbucks lets you make money in a variety of ways, including:
- Answering surveys for cash
- Shopping online
- Downloading apps
- Watching videos
- Playing games for money
The platform also has a $10 sign up bonus you can take advantage of if you spend at least $25 on a qualifying shopping offer.
Get started with Swagbucks!
8. Chime
Tired of paying bank fees and want to snag a $100 bonus? If so, thenChimecould be for you.
This Fintech app hassomany features. For starters, you can overdraft fee-free for up to $200. And Chime is also rolling out a cash advance feature that can let you get $500 if you're in a tight spot.
Right now, Chime is also giving new customers a $100 bonus. All you have to do is sign up and set up qualifying direct deposits of $200 or more within 45 days opening your account.
This is a pretty low deposit requirement. And from there, you can explore more of Chime's features like its 2% APY savings account, 60,000+ fee-free ATMs, and lack of monthly account fees.
Get started with Chime!
9. Rakuten
Rakuten is a popular cash-back shopping extension and app that pays you to shop at thousands of retailers. And, it also has one of the best $20 sign up bonuses out there.
All you have to do is create a free Rakuten account and spend at least $30 on a shopping offer to get a free $30 in cash back.
And finding partners to shop at through Rakuten isn’t too difficult. After all, the platform partners with popular retailers like Best Buy, Macy's, Target, Old Navy, Adidas, and thousands of other partners.
To date, I’ve earned about $7,000 by shopping from Rakuten and through its cash referral bonus program. Once money is in your account, Rakuten pays you quarterly via check or with free PayPal money.
This means getting your sign up bonus can take some time. But if you shop online frequently, I definitely suggest giving Rakuten a try.
Get $30 from Rakuten!
10. InboxDollars
InboxDollars is a popular U.S. rewards platform that lets you make money by answering surveys, shopping online, playing games for cash, and watching ads.
You can also use this site to work towards your free $20 sign up bonus. All you have to do is create an account and you get a $5 welcome bonus, just like that.
Survey platforms like Branded Surveys andSwagbucks are still more reliable in my experience. But again, you can take advantage of MyPoints’ bonus and get that free 20 dollars much faster.
Get $5 from InboxDollars!
Pro Tip: You can stack this bonus with an instant $5 sign up bonus from MyPoints, a sister-site to InboxDollars, if you live in the United States!
11. Nielsen Panel
If you’re a fan of passive income apps, then one app that should be on your smartphone is the Nielsen Panel app.
This is also way better than a 20 dollar sign up bonus since Nielsen pays you with $50 or more in free money each year for sharing your data.
This is because Nielsen is a massive market research company that’s willing to pay to learn how people surf the web. All you have to do is download the Nielsen Panel app on your smartphone and then let it run in the background to earn.
The panel pays about $50 per year in credits that are redeemable for cash and gift card rewards. There’s a computer panel that you can try as well, but it only pays you with sweepstake entries for cash prizes, not guaranteed rewards.
In any case, the Nielsen Panel is a fun, simple passive income side hustle. And it pays more than other $20 sign up bonus offers if you have some patience.
Try out the Nielsen Panel!
12. Acorns
If you want to invest daily for income, the Acorns app has another excellent $20 sign up bonus you can use.
This micro-investing app helps you build a regular investing habit by rounding-up spare change from purchases and investing the money on your behalf.
For example, if you spend $8.50 on lunch one day, Acorns can round that purchase to $9 and invest the additional $0.50 for you automatically
I like Acorns since it offers its own unique portfolios of ETFs and bonds to suit your goals. Plus, at the time of updating this post, Acorns is offering a free $20 sign up bonus if you open an account.
The platform also has other ways to earn, like cash-back offers and a shopping extension. Ultimately, it's a useful money-making app if you're new to investing and want a helping hand in building good habits.
Try out Acorns today!
13. Ibotta
One of the most popular $20 sign up bonus offers out there comes from Ibotta, a leading cash back rewards app. With Ibotta, you can earn real cash back for buying thousands of products, including groceries and everyday essentials.
The app is very similar to apps like Fetch Rewards and Checkout 51. All you have to do is shop for sponsored products, scan your receipt to provide proof of purchase, and you earn cash back.
But Ibotta often has a $20 sign up bonus you can take advantage of. It works in three simple steps:
- Bonus #1 ($10): Earn $10 for redeeming an in-store offer.
- Bonus #2 ($5): Earn $5 for completing a mobile shopping offer.
- Bonus #3 ($5): Earn another $5 for redeeming another in-store or mobile shopping offer.
I still prefer using Fetch Rewards for most of my shopping since it takes less effort. But you can always try stacking Fetch Rewards and Ibotta together to find the best offers.
14. Fundrise
While it’s not an instant $20 sign up bonus, I wanted to include Fundrise in this article because in the long run, it can generate far more than just a free 20 bucks.
Fundrise is a real estate investing platform that lets you invest in income-generating real estate like apartment buildings and condos.
To get started, there’s a low $10 investing minimum. And new Fundrise customers often get a free $10 for opening and funding an account.
From there, Fundrise pays you with quarterly distributions from the income properties make. This makes it a nice passive income source, and you don't have to have any landlord responsibilities whatsoever.
Historically, Fundrise has returned about 7-8% for shareholders annually. And it charges 1% in annual fees, which is pretty reasonable for the real estate investing world.
If you want to invest for income and diversify your portfolio with real estate, it’s an interesting option. And I love that it has a low $10 minimum so it’s beginner friendly.
Learn more about Fundrise!
Disclaimer: This is an endorsem*nt in partnership with Fundrise. We earn a commission from partner links. All opinions are my own.
15. Cash App
Cash App is one of the most popular payment apps in the United States. And there are also a few free Cash App money hacks you can use to work towards your free $20 sign up bonus.
For starters, you can usually get a free $5 from Cash App if you sign up with a Cash App referral code.
To get this credit, all you have to do is sign up for Cash App, enter a referral code, and send $5 within two weeks of opening your account. You must also link a bank account to your Cash App account.
You can also use Cash App Boosts to earn cash back or save money at select retailers. And if you have a few friends to invite, you can probably earn a quick $20 just through Cash App's referral program.
16. Uphold
If you’re interested in crypto, you can check Upholdand get an easy bonus as well.
Uphold is a beginner-friendly investing platform that lets you invest in crypto and precious metals like gold and silver. There’s a $1 investing minimum, and you can also buy and sell over 250+ popular digital currencies.
At the time of writing, Uphold also has a $20 sign up bonus it pays out in Bitcoin if you open and fund your account.
I like this bonus since your BTC can potentially appreciate to be worth more than $20. However, it could also lose value, so it’s not the best sign up bonus for everyone.
17. Tada
If you like Rakuten, another awesome $20 sign up bonus you can take advantage of is Tada's bonus.
Tada is a shopping rewards platform that pays you with real cash back for shopping at hundreds of brands. And it lets you earn with its online shopping extension or by purchasing products and scanning your receipts.
Here's how Tada's $20 sign up bonus works:
- Bonus #1 ($5): Download the Tada app and link a card to your account.
- Bonus #2 ($3): Add a qualifying item to your Tada account, buy it, and then scan your receipt.
- Bonus #3 ($2): Earn $2 for scanning another receipt with a qualifying item.
- Bonus #4 ($10): Get $10 when you spend at least $25 on a qualifying online purchase.
This takes a few steps to get your free 20 dollars. But Tada partners with popular brands like Amazon, Expedia, Home Depot, Macy's, and Target, so it's easy to find ways to earn.
18. Investing Apps
These days, investing apps are a dime a dozen. But this also means a lot of them have bonus offers or even better offers to attract new customers.
For example, some popular investing platforms with bonuses that you can check out include:
- Public: Get a free stock worth anywhere from $3 to $300.
- M1: Earn anywhere from $250 to $10,000 for transfering money to a new M1 account.
- Robinhood: Get free stock worth $5 to $200 for opening a new account.
- Webull: Get up to 12 fractional shares as a new Webull member.
If you get lucky, these sign up bonuses can pay a few hundred dollars. And within a few months, you could probably bounce around a few apps and brokerages to maximize your earnings.
Extra Reading – How To Get $20 PayPal Cash Now.
19. Upromise
One final bonus you can use comes from Upromise, a platform that helps families save for college.
For starters, you earn $5.29 when you sign up for Upromise and verify your email. You then earn $25 if you connect a 529 College Savings Plan to your Upromise account.
This is better than a $20 sign up bonus. And once you connect your account, Upromise pays you with cash back rewards for shopping at its partners and completing various sponsored deals.
Upromise is definitely a more niche service that won't be for everyone. But it's a fast $30 if you're on the market for a 529 plan.
Extra Reading – How To Make $20 Instantly.
Tips For Getting Your Bonuses
I’ve made a lot of money with sign up bonuses and referral programs over the years. Along the way, I’ve learned a few tips to make the process of actually getting these bonuses much easier.
Some tips to keep in mind when going for your 20 dollar sign up bonuses include:
- Read The Fine Print: A lot of sign up bonuses have very specific steps you need to follow to earn. For example, Rakuten requires making a purchase, and Current needs you to set up direct deposit. Read terms and conditions carefully so you don’t miss a step and void your bonus.
- Stack Several Bonuses: Stacking reward apps, brokerages, or various services can help you make quick money without much effort. So, don’t be afraid to move your money around or to try out a few services to snag a few bonuses.
- Don’t Get Carried Away: On the flip side, it can be easy to get carried away when going for free money. In my experience, I only sign up for products or services I’d use anyways to get bonuses and don’t clog my life with accounts and companies I don’t care about.
Extra Reading – How To Make Money In One Hour.
Frequently Asked Questions
What Happened To The Swagbucks $20 Sign Up Bonus?
You can get a $20 Swagbucks bonus if you stack several of the platform's sign-up bonuses and offers. This includes Swagbucks' $5 sign up bonus and $10 Swag Up bonus, which you get by going to the Swag Up page and completing a qualifying shopping offer of at least $25.
From there, Swagbucks has plenty of other bonus opportunities, like paid surveys, paid install offers, shopping offers, and more. In my experience, you can get $20 from Swagbucks in your first day if you use its welcome bonuses and complete a few offers.
Extra Reading – The Best Apps That Pay Free Money For Signing Up.
Which Apps Give You $20?
In my experience, using survey apps and reward apps are two easy ways to snag $20 for free. You can often reach $20 just by signing up for a few of these companies. From there, you earn even more if you put a bit of effort into completing offers.
If you need money right now, you can use cash advance apps instead. For example, companies like Dave let you borrow up to $500 against an upcoming paycheck if you're in a tight spot. You can also try out the EarnIn app and Klover app to borrow.
Final Thoughts
I hope this list of $20 sign up bonus offers helps you get a bit of quick and easy cash when you need it most.
At the end of the day, companies should and do pay members to sign up. Remember: our business is valuable, so take advantage of these bonuses whenever you can!
If you mix in other reward apps and beermoney sites, there’s no reason why you can’t enjoy some free cash and gift cards each month without much effort.
Want to try other money-making methods? Checkout:
- The Best $25 Instant Sign Up Bonuses.
- The Best Sign Up Bonus Instant Withdraw Apps.
- How To Make $3,000 Fast.
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. Holdings and performance are hypothetical. Nothing in this material should be construed as an offer, recommendation, or solicitation to buy or sell any security. All investments are subject to risk and may lose value. This information is for educational purposes only and should not be construed as tax, investment, or legal advice.
*Offer is subject to T&Cs
1 Ancillary fees charged by Stash and/or its custodian are not included in the subscription fee.
