In today’s fast-paced digital economy, who doesn’t love a little instant gratification? With rising living costs and long-term financial goals like retirement planning and tax obligations, every extra dollar counts. The good news? You can earn real money—sometimes instantly—just by signing up for apps you might use anyway. Whether it's cash back on shopping, free investment shares, or referral rewards, these platforms turn everyday actions into small financial wins.
This guide highlights 10 top apps that offer immediate sign-up bonuses, with flexible withdrawal options and real value from day one. We’ve curated this list based on bonus size, ease of redemption, and overall user experience—all without influence from advertisers or promotional partnerships.
Why Sign-Up Bonus Apps Are Worth It
Signing up for apps that offer instant bonuses isn’t about getting rich quick—it’s about smart financial optimization. If you're already planning to shop online, invest, or send money digitally, why not do it through a platform that rewards you for starting?
These apps typically require minimal effort: create an account, link a payment method, make a small purchase (in some cases), and claim your bonus. Many allow instant withdrawals via PayPal, direct deposit, or gift cards, making the process seamless and rewarding.
Let’s dive into the best apps offering instant bonuses in 2025.
1. BeFrugal – $10 Sign-Up Bonus
BeFrugal is a powerful cash-back app that rewards users for shopping at thousands of online retailers. Upon registration, you’ll receive a $10 sign-up bonus**—redeemable once you earn $10 in cash back. There's also a chance to earn a $15 referral bonus** when friends join through your link.
What sets BeFrugal apart is its wide range of withdrawal methods:
- PayPal
- Zelle
- Venmo
- Direct deposit
- Check
- Gift cards
👉 Discover how easy it is to turn everyday purchases into instant cash rewards.
2. Cash App – $5 Instant Bonus
Cash App has become a go-to for peer-to-peer payments, functioning similarly to PayPal and Venmo. When you sign up and link a bank account or debit/credit card, you instantly receive a $5 bonus.
The best part? You can withdraw the bonus to your checking account immediately after receiving it—no waiting period, no minimum spending.
This makes Cash App one of the most accessible options for fast, no-strings-attached cash.
3. Fundrise – $10 Free Investment Shares
Looking to dip your toes into real estate investing? Fundrise lets you start with just $10 in free shares when you sign up. This credit goes directly into the Fundrise Real Estate Interval Fund, giving you instant exposure to diversified real estate assets.
While this isn’t cash in hand, it’s a valuable opportunity to begin building wealth through alternative investments—especially if you’re new to investing.
Fundrise is ideal for long-term savers who want passive income and portfolio diversification without high entry barriers.
4. Ibotta – $5 Bonus After First Purchase
Ibotta delivers cash back on groceries, online shopping, and even gas purchases. New users get a $5 sign-up bonus**, but there’s a catch: you must spend at least **$15 through participating retailers to unlock it.
Once completed, your bonus is credited quickly and can be withdrawn via PayPal or gift cards. Ibotta works with major stores like Walmart, Target, and Amazon, making it easy to meet the threshold during regular shopping trips.
It’s a solid choice for budget-conscious consumers who buy essentials frequently.
5. InboxDollars – $5 Just for Joining
InboxDollars pays you not just for signing up—but also for completing surveys, watching videos, playing games, and using promo codes. The $5 sign-up bonus is awarded as soon as your account is verified.
While additional earnings come from microtasks, the instant bonus requires no action beyond registration. Withdrawals are available via check, PayPal, or gift cards once you hit the $30 minimum.
This app suits those who enjoy earning during downtime—like watching short clips or sharing opinions.
6. MoneyLion – $5 Welcome Bonus + Up to $50 More
MoneyLion is a full-service financial platform offering banking, lending, saving, and investing tools. Sign up and get approved for a RoarMoney account, and you’ll receive a $5 bonus instantly.
Better yet? You can earn an additional $50 when you set up direct deposit—making it one of the most lucrative offers on this list.
Bonuses are deposited directly into your account and can be withdrawn immediately. It’s perfect for anyone seeking an all-in-one finance app with strong incentives.
7. MyPoints – $10 After First Purchase
MyPoints rewards users for shopping online at major retailers like Amazon, Walmart, eBay, and Target. You earn a $10 bonus after your first qualifying purchase.
Rewards can be redeemed as Amazon gift cards—a popular choice—or transferred to PayPal. With over 1,700 partner stores, finding opportunities to earn more points is simple.
👉 See how small purchases can add up to big rewards over time.
8. Robinhood – Free Stock Worth $5 to $200
Robinhood offers commission-free trading in stocks, ETFs, and cryptocurrencies. But what really grabs attention is its "pick-a-card" game at sign-up: choose one of three cards and receive a free stock valued between $5 and $200.
No purchase is required—just sign up, verify your identity, and claim your reward. Past winners have received shares in Apple, Tesla, and other blue-chip companies.
Even if you’re not actively trading yet, this is a risk-free way to start building an investment portfolio.
9. Rakuten – $30 Cash Back Bonus
Rakuten (formerly Ebates) partners with over 2,500 stores to offer cash back on nearly every purchase. New members earn a generous $30 sign-up bonus** after making their first purchase of **$30 or more through Rakuten.
The app automatically tracks eligible purchases and deposits cash back into your account quarterly. Payouts are made via check or PayPal.
Given its strong retailer network and consistent rewards structure, Rakuten remains one of the most reliable cash-back platforms available.
10. Swagbucks – $10 After $25 Purchase
Swagbucks is a versatile rewards platform where you can earn points (called SB) by shopping online, taking surveys, or browsing the web. New users get a $10 bonus** after spending **$25 at participating stores.
Rewards are redeemable as PayPal cash or prepaid Visa cards—flexible options for quick access to funds.
With seasonal promotions often boosting bonuses beyond $10, Swagbucks offers ongoing earning potential beyond the initial incentive.
👉 Unlock your first bonus and start earning while doing everyday things online.
Frequently Asked Questions (FAQ)
What apps offer instant sign-up bonuses with no purchase required?
Cash App, Fundrise, InboxDollars, MoneyLion, and Robinhood all provide bonuses simply for signing up and verifying your account—no initial purchase needed. However, some may require minimum activity (like linking a bank account) before releasing funds.
Which app gives the highest instant bonus?
Rakuten leads with a $30 sign-up bonus**, though it requires a $30 purchase to unlock. Robinhood offers the highest potential reward with a chance to win up to $200 in free stock**, depending on your card pick.
Can I withdraw my bonus immediately?
Yes—most of these apps allow instant or near-instant withdrawals via PayPal, direct deposit, or gift cards. Cash App and MoneyLion are particularly fast, often crediting funds within minutes.
Are sign-up bonuses taxable?
Generally yes—sign-up bonuses are considered taxable income by the IRS if they exceed certain thresholds or are tied to financial accounts (like brokerage or banking). Always consult a tax advisor if you earn significant rewards.
Do referral bonuses stack with sign-up offers?
In most cases, yes. Apps like BeFrugal and Swagbucks let you earn both your welcome bonus and referral rewards when friends sign up using your link—boosting your total earnings.
How can I maximize my earnings from these apps?
Combine multiple apps strategically: use Rakuten or MyPoints for shopping, Ibotta for groceries, and Robinhood or Fundrise for investing. Over time, these small bonuses compound into meaningful extra income.
Final Thoughts: Turn Sign-Ups Into Smart Savings
While none of these apps will replace a full-time income, they represent low-effort ways to boost your finances with minimal risk. Whether you're looking for instant cash, free investments, or gift cards for future purchases, there's an app on this list that fits your lifestyle.
The key is consistency: use these platforms for purchases you'd make anyway and take full advantage of their bonus structures. Over time, what starts as $5 here and $10 there adds up to real savings—or even passive income.
Start with one or two apps that align with your habits—like shopping or investing—and build from there. In 2025, every dollar counts. Make sure some of them come back to you.