Free Money Checklist

Make $300+ in About 2 Hours.

No bank account required. No credit check. I tested every signup bonus I could find and only kept the ones that actually pay out. Here's the full list — go down it and collect.

Show Me the List Get Notified When New Ones Drop

Last updated May 2026 · All links are referral links, disclosed per offer · FTC compliant

$0 $398 Available

How It Works

Three steps. Real money.

1

Pick an offer.

Each card shows the bonus amount, time to complete, and exactly what you need. Start with the Quick Wins section for money that costs you nothing.

2

Sign up and complete the requirement.

Most take 5–30 minutes. Some need a small deposit — the prediction market ones can be done near risk-free using a simple two-bet strategy (there's a guide below).

3

Collect your cash.

Payouts land via PayPal, bank transfer, or crypto depending on the platform. Every card shows the payout timeline so you know when to expect it.

Full disclosure: every link on this page is a referral link. I earn a small bonus when you sign up. That's how the page stays updated and free to use.

⭐ Top Picks

Highest Value. Least Effort.

If you only do a few, do these. Picked for the best return on your time — most need no SSN, no deposit, or a purchase you'd make anyway.

⭐ Top Pick

Rakuten

No SSN No Deposit Expires June 30, 2026
$50

Install the browser extension and make any $50 purchase at 3,500+ partner stores within 90 days. If you buy anything online — Amazon, Target, Walmart — this is completely free money.

⏱ ~5 min setup 💵 $50 purchase needed 🌎 All states
You earn $50 per referral
▼ How to claim this bonus
1Sign up with the referral link.
2Install the Rakuten browser extension (Chrome, Safari, Firefox, or Edge).
3Shop at any of 3,500+ partner stores — Amazon, Walmart, Target, Macy's, and thousands more qualify.
4Make a qualifying purchase totaling $50 within 90 days of signup.
5Alternative: take the bonus as 5,000 Amex Membership Rewards or 5,000 Bilt points.
Payout: Quarterly via PayPal or check. Offer valid through June 30, 2026.
Claim Bonus →
⭐ Top Pick

Capital One Shopping

No SSN No Deposit Gift Card Rewards
$80

Install the browser extension, keep it active for 90 days, and collect $80 in gift card rewards. The extension also finds better prices and coupons automatically — it earns its keep regardless.

⏱ ~5 min setup 💵 $0 cost ⏳ 90-day hold 🌎 All states
You earn $80 per referral
▼ How to claim this bonus
1Sign up via the referral link — the $80 offer requires coming through a referral link.
2Install the Capital One Shopping browser extension within 7 days of signing up.
3Keep it installed with full permissions for 90 days.
4$80 in Capital One Shopping Rewards is credited after 90 days.
5Redeem for e-gift cards to Amazon, Target, Walmart, and hundreds more.
Payout: $80 in gift card credit (not cash) after 90 days. Redeemable at major retailers at face value.
Claim Bonus →
⭐ Top Pick

SoFi Invest

SSN Required
$25

Deposit $10 and get $25 in free stock — a 150% return on your deposit. One of the strongest risk-to-reward offers on the page. Sell and withdraw whenever you want.

⏱ ~15 min 💵 $10 deposit 🔒 SSN required 🌎 All states
You earn $50 per referral
▼ How to claim this bonus
1Sign up via the referral link — must use the referral link to trigger the $25 bonus.
2Complete identity verification (SSN required for a brokerage account).
3Deposit $10 or more into your SoFi Active Invest account.
4$25 in stock is credited. Sell and withdraw whenever you like.
Payout: $25 in stock shortly after funding. Standard brokerage withdrawal timeline after selling.
Claim Bonus →
⭐ Top Pick

FanDuel Predicts

No Deposit Completely Free
$25

The easiest offer on this page — no deposit, no purchase, no risk. Sign up, verify your identity, and $25 lands in your account within 72 hours. Zero money out of pocket.

⏱ ~10 min 💵 $0 deposit 🔒 SSN required 🌎 All 50 states + DC
You earn a referral bonus
▼ How to claim this bonus
1Sign up with the referral link and create a FanDuel Predicts account.
2Complete identity verification — name, date of birth, SSN.
3Answer the brief suitability questionnaire.
4$25 is credited within 72 hours. No deposit needed at any point.
5Use the $25 on a 95%+ probability event and withdraw the profit.
Payout: Within 72 hours. The $25 credit itself isn't withdrawable — place it on a near-certain event and the profit is yours to keep.
Claim Bonus →
⭐ Top Pick

Ibotta

No SSN No Deposit
$25

Earn $25 just for doing your grocery shopping — $5 on your first offer, $20 more for completing 10 offers within 14 days. Works at Walmart, Target, Costco, and thousands more.

⏱ ~5 min setup 💵 $0 deposit 🌎 All states
You earn $10 per referral
▼ How to claim this bonus
1Sign up with the referral code and create your Ibotta account.
2Browse offers in the app and activate the ones for items you already buy.
3Buy the items on your next grocery run, then scan your receipt in the app.
4First redemption → $5 bonus. Complete 10 offers within 14 days → additional $20.
Payout: Within 24 hours of receipt verification. Cash out via PayPal or Venmo at $20 minimum.
Claim Bonus →

Start Here

Zero or Near-Zero Deposit. Under 15 Minutes Each.

These four cost you nothing (or almost nothing) and pay out fast. Start here to see your first real money land before you touch anything else.

FanDuel Predicts

No Deposit Hedgeable SSN Required
$25

The best no-deposit offer that exists. Sign up, complete identity verification, and $25 lands in your account within 72 hours — no trade, no deposit required.

⏱ ~10 min 💵 $0 deposit 🔒 SSN required 🌎 All 50 states + DC
▼ How to claim this bonus
1Click "Claim Bonus" and create a FanDuel Predicts account.
2Complete identity verification — you'll need your SSN and a few personal details.
3Answer the brief suitability questionnaire in the app.
4$25 is credited to your account within 72 hours. No deposit, no trade required.
5Use the $25 on a high-probability event (95%+). When you win, the profit is yours to withdraw.
Payout: Within 72 hours of verification. Note: the $25 bonus credit itself isn't withdrawable — place it on a near-certain event and withdraw your profit.
Claim Bonus →

InboxDollars

No SSN No Deposit
$5

Sign up and confirm your email. That's it. $5 lands immediately. The fastest $5 on this page.

⏱ ~2 min 💵 $0 deposit 🌎 All states
▼ How to claim this bonus
1Click "Claim Bonus" and create your InboxDollars account — email and password only, no SSN.
2Confirm your email address from the verification email.
3$5 is credited to your account instantly.
4Cash out via PayPal or gift cards once your balance hits $15.
Payout: Immediate credit. Minimum $15 to cash out (bonus gets you 1/3 of the way there instantly).
Claim Bonus →

Fetch Rewards

No SSN No Deposit
$3

Download the app, enter a referral code at signup, scan any receipt — even an old one from your wallet. 3,000 points (~$3) hit instantly.

⏱ ~3 min 💵 $0 deposit 🌎 All states
▼ How to claim this bonus
1Download the Fetch Rewards app (iOS or Android) via the referral link.
2Create an account — the referral code is applied automatically from the link.
3Snap a photo of any receipt (grocery, gas, restaurant — almost anything works, even an old one).
43,000 points (~$3 in gift card value) appear in your account instantly.
Payout: Instant as points. Redeem for gift cards to Amazon, Walmart, Target, and hundreds more. 3,000 points = ~$3.
Claim Bonus →

Cash App

No Deposit Last 4 SSN Only
$5–$15

Sign up with a referral link, send $5 to any Cash App user within 14 days, and both of you get a bonus. Send to a friend — or anyone you know who's already on Cash App.

⏱ ~5 min 💵 $0 deposit 🔒 Last 4 SSN only 🌎 All states
▼ How to claim this bonus
1Download Cash App and create an account using the referral link.
2Link a debit card or bank account (required to send money).
3Send $5 to any existing Cash App user within 14 days of opening your account.
4Bonus ($5–$15) is credited to both you and the person who referred you within 30 days.
Payout: Within 30 days. Bonus amount varies by account — most get $5, some get $15. Withdraw to your linked bank instantly using Instant Deposit.
Claim Bonus →

Those four cleared $28–$48 and took under 20 minutes. Ready for the bigger ones? ↓

30-Minute Plays

Small Deposit or Quick Action. $5–$80 Each.

These require a bit more — a small purchase you were already making, a $10–$25 deposit, or linking an app. Straightforward and worth the extra few minutes.

Kalshi

Hedgeable SSN Required OH: Sports markets restricted
$25

CFTC-regulated prediction market. Deposit $25, place two near-certain bets, walk away with ~$50 total. The full strategy is laid out step-by-step below.

⏱ ~15 min 💵 $25 deposit 🔒 SSN required 🌎 Most states
▼ How to claim this bonus
1Sign up via the referral link below — must use the referral link for the $25 bonus. Promo codes only give $10.
2Complete identity verification (SSN required — Kalshi is a CFTC-regulated exchange).
3Deposit $25 via debit card, ACH, PayPal, Venmo, or Cash App.
4Place $25 on a 95%+ probability YES event — look under Economics or Politics (e.g. "Will the Fed hold rates this month?").
5Win the bet (95%+ chance). Your $25 is returned plus a small gain — your deposit is essentially intact.
6Your $25 referral credit arrives within 7 days. Bet it on another 95%+ outcome.
7Win that bet → your credit's winnings are withdrawable cash. Withdraw your original $25 + ~$25 profit ≈ $50 out on $25 in.
Risk note: Each bet is 95%+ likely to win, so across two bets you have ~90% chance of the full outcome. There's a small tail risk — don't bet money you can't afford to lose on the remaining 10%.
Claim Bonus →

Robinhood

No Deposit SSN Required
$5

Link a bank account (no deposit needed) and get a free stock worth $5–$200. Sell after 3 trading days, withdraw after 30 days.

⏱ ~10 min 💵 $0 deposit 🔒 SSN required 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link and complete identity verification.
2Link a bank account or debit card (no deposit required — just linking it is enough).
3A free stock is credited to your account within a few days — 99% of users get $5, 0.9% get $10, 0.1% get $200.
4Sell the stock after holding for 3 trading days.
5Withdraw the cash to your bank after 30 days from receiving the stock.
Payout: Stock credited within days. Sell after 3 trading days. Withdraw after 30 days.
Claim Bonus →

Rakuten

No SSN Expires June 30, 2026
$50

The best cashback portal bonus running right now — $50 for you and your referrer. Sign up, install the browser extension, and make any $50 purchase at one of 3,500+ partner stores within 90 days. If you buy anything online anyway, this is free money.

⏱ ~5 min setup 💵 $50 purchase needed 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link.
2Install the Rakuten browser extension (Chrome, Safari, Firefox, or Edge).
3Shop at any of 3,500+ partner stores — Amazon, Walmart, Target, Macy's, and thousands more.
4Make a qualifying purchase totaling $50 within 90 days of signup to unlock the $50 bonus.
5Tip: if you want points instead, you can also take the bonus as 5,000 Amex Membership Rewards or 5,000 Bilt Rewards points.
Payout: Quarterly via PayPal or check, typically within 60 days of your qualifying purchase. Offer valid through June 30, 2026 — will likely drop to $30 after.
Claim Bonus →

Ibotta

No SSN No Deposit
$25

Earn $5 on your first offer redemption, then $20 more for completing 10 offers within 14 days. Works at Walmart, Target, Costco, and thousands more.

⏱ ~5 min setup 💵 $0 deposit 🌎 All states
▼ How to claim this bonus
1Sign up with the referral code and create your Ibotta account.
2Browse available offers in the app before you shop — activate the ones you want.
3Buy the items, then scan your receipt in the app after shopping.
4First qualifying redemption earns $5 immediately.
5Complete 10 offers within 14 days of signup to unlock the additional $20 welcome bonus.
Payout: Usually within 24 hours of receipt verification. Cash out via PayPal or Venmo at $20 minimum.
Claim Bonus →

Coinbase

SSN Required
$30

Buy $20 in any cryptocurrency and receive $30 in Bitcoin. No lottery, no random range — a guaranteed flat $30. Credited within 48–96 hours.

⏱ ~20 min 💵 $20 crypto buy 🔒 SSN required 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link and complete identity verification (SSN required).
2Link a bank account or debit card.
3Buy $20 or more in any cryptocurrency (Bitcoin, Ethereum, or anything listed). Stablecoin purchases may not qualify — use a real crypto.
4$30 in Bitcoin is credited to your Coinbase wallet within 48–96 hours.
5Sell the Bitcoin and withdraw to your bank when ready.
Payout: $30 BTC within 48–96 hours of qualifying purchase. Net gain: $10 on a $20 buy (50% return).
Claim Bonus →

Upromise

No SSN No Deposit
$30

Get $5.29 for verifying your email, then $25 for linking any financial account. No purchase required. One of the easiest $30 on the page.

⏱ ~10 min 💵 $0 deposit 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link — no SSN needed, just your email.
2Verify your email address → $5.29 is credited automatically.
3Link any financial account: a bank account, savings account, or 529 college savings plan → $25 credited.
4Total: ~$30.29 with no purchase required.
Payout: Monthly transfer to your linked financial account. Upromise also earns you cashback automatically when you shop at partner stores afterward.
Claim Bonus →

Capital One Shopping

No SSN Gift Card Rewards
$80

Install the browser extension and keep it active for 90 days to receive $80 in gift card rewards. The extension also automatically finds coupons and better prices while you shop — it pays for itself anyway.

⏱ ~5 min setup 💵 $0 cost ⏳ 90-day hold 🌎 All states
▼ How to claim this bonus
1Sign up via the referral link — the $80 bonus requires coming through a referral link.
2Install the Capital One Shopping browser extension on your desktop browser within 7 days of signup.
3Keep the extension installed and active with full permissions for 90 days.
4$80 in Capital One Shopping Rewards is credited after 90 days.
5Redeem rewards for e-gift cards to hundreds of retailers (Amazon, Target, Walmart, etc.).
Payout: $80 gift card credit after 90 days. Rewards are gift cards, not cash — but redeemable at major retailers at face value. Note: the $80 referral is a targeted offer. See SETUP.md to verify your account has it before publishing.
Claim Bonus →

SoFi Invest

SSN Required
$25

Open a SoFi Active Investing account with a referral link, deposit just $10, and receive $25 in free stock. Clean and simple — a 150% return on a $10 deposit.

⏱ ~15 min 💵 $10 deposit 🔒 SSN required 🌎 All states
▼ How to claim this bonus
1Sign up via the referral link — must use the referral link to trigger the $25 bonus.
2Complete identity verification (SSN required — it's a regulated brokerage account).
3Deposit $10 or more into your SoFi Active Invest account.
4$25 in stock is credited to your account.
5Sell and withdraw to your linked bank account when ready.
Payout: $25 in stock credited after funding. Standard brokerage withdrawal timeline applies after selling.
Claim Bonus →

Bigger Plays

Larger Deposit, Larger Payout. $30–$50 Each.

These take more setup or a larger deposit but pay the most. Read the requirements carefully — all are available in all states.

Moomoo

SSN Required 60-Day Hold
$30

Deposit $500 and get $30 in NVIDIA stock. The deposit is yours to withdraw anytime — only the bonus stock has a 60-day hold before you can sell.

⏱ ~20 min 💵 $500 deposit 🔒 SSN required 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link and complete identity verification.
2Deposit $500 or more via bank transfer, debit card, or ACATS.
3Maintain $500 in assets in your account for 60 days.
4$30 in NVDA stock is credited after the 60-day holding period.
5Sell the bonus stock and withdraw. Your original $500 deposit is yours to move at any time.
Payout: $30 NVDA stock after 60-day hold. Your $500 is not locked — you can invest it in anything or withdraw it immediately. Higher deposits unlock larger bonuses (see Moomoo's promotions page for current tiers). The $500 minimum changed in early 2026 — verify current terms before depositing.
Claim Bonus →

Gemini

SSN Required
$50

Trade $100 in crypto within 30 days of opening your account and get $50 in Bitcoin. If you're doing Coinbase anyway, split your purchase — $20 on Coinbase, $100 on Gemini, collect both bonuses.

⏱ ~20 min 💵 $100 in trades 🔒 SSN required 🌎 All states
▼ How to claim this bonus
1Sign up with the referral link and complete identity verification.
2Link a bank account or debit card.
3Trade $100 in any cryptocurrency within 30 days of account creation.
4$50 in Bitcoin is credited to your Gemini account within 30 days of hitting the trading volume.
5Sell and withdraw to your bank account.
Payout: Within 30 days of completing $100 in trades. Net gain: $50 on a $100 trade (50% return if you sell the crypto flat). Stack with Coinbase for maximum return.
Claim Bonus →

New bonuses drop every month.

I only email when something worth doing shows up. No filler, no spam. Just one email when a new offer clears my testing.

Common Questions

Yes. Every platform listed here is a regulated company. The prediction markets (Kalshi, FanDuel Predicts) are regulated by the CFTC — the same federal body that oversees futures markets. The brokerages (Robinhood, SoFi Invest, Moomoo, Gemini, Coinbase) are SEC or FINRA registered. The cashback apps (Rakuten, Ibotta, Fetch, Upromise, Capital One Shopping) have been operating for years and pay out hundreds of millions in bonuses annually. I've personally verified the current terms for every offer on this page.
It depends on the offer. Every card clearly labels whether SSN is required. The cashback apps (Rakuten, Ibotta, Fetch, Upromise, Capital One Shopping) never ask for it. FanDuel Predicts and Kalshi require it as regulated financial exchanges. All brokerages (Robinhood, SoFi Invest, Moomoo, Gemini, Coinbase) require SSN. Cash App only asks for the last 4 digits. If SSN is a dealbreaker, stick to No-SSN labeled offers — you can still clear $100+ (Rakuten $50, Ibotta $25, Upromise $30, Fetch $3, Capital One Shopping $80 in gift cards).
Technically, most signup bonuses count as miscellaneous income. For smaller amounts, many platforms don't issue a 1099. That said, you're responsible for reporting income regardless of whether you receive a form. This is not tax advice — consult a tax professional if you have questions about your specific situation.
Yes. There's no rule against signing up for multiple platforms simultaneously. One account per person per platform is the only constraint. Most people stack all 14 of these in a single session — the Quick Wins can be done while you're waiting for verification on the longer ones.
Every outbound link on this page is a referral or affiliate link, meaning I earn a small commission when you sign up. I've disclosed this in multiple places including this page's header, each offer card, and the footer. It doesn't cost you anything extra — the bonus amounts you receive are identical whether you use a referral link or not. The platforms pay me from their existing marketing budget.
The first of every month. Signup bonuses change frequently — amounts go up and down, offers expire, new ones appear. The Rakuten $50 bonus is confirmed through June 30, 2026 and will likely drop after. If you see a discrepancy between what's listed here and what the platform shows, the platform's official terms always take precedence. The last-updated date is shown at the top of the page.
Yes. The only restriction for Ohio residents is Kalshi's sports markets, which are temporarily unavailable. You can still use Kalshi's economics and politics markets to complete the two-bet strategy and collect the $25 bonus. Every other offer on this page is available in Ohio.
Each bet is on an event with 95%+ implied probability — think events where the market already has near-consensus. "Will the Fed hold rates this month?" on a month everyone expects a hold. Across two bets you have roughly a 90% chance both win. There's a real ~10% tail risk where one bet goes wrong. Don't put money you can't afford to lose into any single trade. That said, a 90% shot at $25 profit on a $25 stake is objectively a strong expected value.
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