Many apps offer signup bonuses to attract new users, and some of them can pay anywhere from $5 to $200 or more just for opening an account and completing a few simple steps.
These bonuses usually require things like:
• opening an account
• linking a bank
• making a small deposit
• completing a purchase or transaction
I personally use several of these apps while building my online income streams, and many of them also offer referral bonuses so you can earn additional rewards by inviting others.
Below are some of the most popular and legitimate apps currently offering signup bonuses in 2026.
If you want to see our full list of apps that pay, visit our complete directory here:
1. Robinhood
Type: Investing app
Signup Bonus: Free stock (typically $5–$200 value)
Referral Bonus: Free stock for each referral
Robinhood is one of the most popular investing apps in the U.S. and frequently offers new users a free stock reward after opening an account and linking a bank.
The exact value varies, but many users receive stocks worth between $5 and $200.
Robinhood also allows users to earn additional free stocks through referrals up to $1500 a year.
2. SoFi
Signup Bonus: $25 banking bonus or $25 investing bonus
Referral Bonus: Typically $50–$75 depending on promotion
SoFi is a large fintech platform that offers banking, investing, loans, and credit tools all within one app.
New users can currently earn two different signup bonuses depending on the account they open:
SoFi Banking Bonus
• Open a SoFi checking account
• Deposit $50 within 21 days
• Receive a $25 signup bonus
The $50 deposit can be transferred back out after the bonus is awarded.
SoFi Investing Bonus
• Open a SoFi Invest account
• Invest $25 in a stock or ETF
• Receive $25 in stock value
SoFi also offers referral bonuses, allowing users to earn additional rewards for inviting friends.
Get Sofi Banking or Get Sofi Investing
3. MoneyLion
Type: Digital banking app
Signup Bonus: $5–$10 promotional bonus
Referral Bonus: $5-$10 depending on promotion
MoneyLion provides mobile banking, credit-building tools, and cash advance options.
New users can often receive a small signup bonus when opening an account and completing qualifying actions.
MoneyLion also runs referral promotions that allow users to earn bonuses for inviting friends.
4. Chime
Type: Online bank
Signup Bonus: $100 with qualifying direct deposit
Referral Bonus: $100 per referral
Chime is one of the most popular mobile banking apps in the U.S. and frequently offers signup bonuses for new users.
To qualify for the bonus, new users typically need to:
• Open a Chime account
• Set up a qualifying direct deposit of at least $200
• Receive the deposit within the promotional time frame
Once the qualifying deposit is received, the signup bonus is usually deposited into the account shortly afterward.
Chime also offers features like SpotMe overdraft protection for eligible users.
5. Varo Bank
Type: Online banking app
Signup Bonus: $150 with qualifying deposit
Referral Bonus: $150 per referral (up to 5 per year)
Varo is a digital banking app that offers mobile checking and savings accounts.
New users can earn a $150 signup bonus by completing the following requirement:
• Open a Varo account
• Receive $500 in qualifying direct deposits
Once the deposit requirement is met, the $150 bonus is typically credited to the account shortly afterward.
Varo also offers a referral program where users can earn $150 for each friend who signs up and completes the requirements, with a maximum of five referrals per year.
6. Coinbase
Type: Cryptocurrency exchange
Signup Bonus: $10 in Bitcoin
Referral Bonus: $10 per referral (up to $100 total)
Coinbase is one of the most beginner-friendly cryptocurrency platforms and is widely used for buying and selling digital assets.
New users can earn a $10 Bitcoin bonus by completing the following steps:
• Open a Coinbase account
• Buy at least $5 worth of cryptocurrency
Once the purchase is completed, the $10 Bitcoin reward is credited to the account shortly afterward.
Coinbase also offers a referral program where users can earn $10 for each friend who signs up and completes the $5 crypto purchase, with referral earnings capped at $100 total.
Coinbase also offers educational “learn and earn” opportunities where users can earn additional crypto.
7. Rakuten
Type: Cashback shopping platform
Signup Bonus: $50 after spending $50
Referral Bonus: Unlimited $50 referrals
Rakuten is a cashback platform that rewards users for shopping through its website or mobile app.
New users can earn a $50 signup bonus by completing these steps:
• Create a Rakuten account
• Spend $50 at any qualifying store through Rakuten
Rakuten partners with hundreds of major retailers, making it easy to qualify for the bonus while shopping online.
Rakuten also offers an unlimited referral program, allowing users to earn $50 for every friend who signs up and completes the $50 purchase requirement.
8. Fetch Rewards
Type: Receipt scanning rewards app
Signup Bonus: 2,500 points
Referral Bonus: 2,500 points per referral
Fetch Rewards is a popular cashback app that allows users to earn points by scanning receipts from everyday purchases.
To start earning rewards:
• Download the Fetch app
• Scan receipts from grocery stores, retail purchases, or restaurants
• Earn points that can be redeemed for gift cards
New users can receive 2,500 bonus points after signing up and scanning their first receipt.
Fetch also offers 2,500 points for each referral when friends sign up and scan their first receipt.
Points can be redeemed for gift cards from many popular brands, including:
• Amazon
• Walmart
• Target
• Visa prepaid cards
• Cinemark
• Topgolf
Most gift cards start around $3–$5 depending on the brand, and users can continue earning points by scanning receipts and completing bonus offers.
9. Scrambly
Type: Rewards app for completing offers and testing games
Signup Bonus: $5 bonus after earning your first $5
Referral Bonus: $10 per referral (sometimes up to $25 during promotions)
Scrambly is a rewards platform that allows users to earn money by completing offers, testing apps, and playing mobile games.
New users can receive a $5 signup bonus once they earn their first $5 through offers or tasks.
One of Scrambly’s biggest advantages is its very low cash-out minimum, allowing users to withdraw earnings starting at $1.25.
Referral Program
Scrambly offers two different referral options.
Option 1 – Flat Referral Bonus
• Earn $10 per referral
• Sometimes increased up to $25 during promotional events
• The bonus is triggered when the referred user earns and cashes out at least $1.25
Option 2 – Lifetime Earnings Share
• Earn 10% of your referral’s task earnings
• This applies to offers and tasks they complete
Cashout Options
Users can withdraw earnings through several payout options including:
• PayPal
• Cash App
• Amazon
• Walmart
• Target
• Xbox
• Hulu
• Various other gift cards
Because of the low cash-out threshold and multiple payout options, Scrambly is one of the easier apps for beginners to start earning from quickly.
10. BigCashWeb
A rewards platform that allows users to earn coins by playing mobile games, completing offers, and participating in special tasks.
Users earn coins that can be redeemed for cash or gift cards once they reach the required payout threshold.
Cashout Options
• PayPal
• Venmo
• Cash App
• Bank Transfer
• Visa gift cards
• Amazon
• Walmart
• Apple
• Google Play
• PlayStation
• Xbox
• Netflix
• Other gift cards
Cashout Minimum
Cashouts start as low as $1 (250 coins) depending on the payout option.
Referral Program
BigCashWeb offers two referral earning opportunities:
• Earn $25 when a referral starts 2 special offers and withdraws at least $3
• Earn an additional $100 if the referral continues playing games for 30+ days
Users can also earn 20–50% of their referral’s earnings long-term depending on the promotion.
New users receive free coins when signing up through a referral link.
How Signup Bonus Apps Work
Signup bonus apps offer rewards to encourage new users to join their platforms.
Most of them require simple actions such as:
• linking a bank account
• completing a direct deposit
• making a purchase
• completing an offer or task
Because many apps also offer referral bonuses, users can sometimes earn even more by sharing the apps with others.
Final Thoughts
Signup bonus apps can be a simple way to earn extra money online, especially when combined with referral bonuses.
Some bonuses are small, while others can be $100 or more depending on the requirements.
If you want to explore more apps that pay bonuses, cashback, and referral rewards, check out our complete list here: