18 Ways to Get a $10 Signup Bonus (Including Instant Withdrawal Offers)

Yes, you can often get a bonus of $10 instantly (or very fast, at least) when you sign up for certain platforms or services.

However, as we’ve already mentioned, there will usually be additional criteria you’ll need to fulfill to get your money. For example, you may need to spend on purchases, deposit money in a new account, or use the account to receive payments.

You don’t want to spend money for the sake of it, so it’s best to look for the deals that best fit your lifestyle and needs. To help you, we’ve compiled a list of the best signup offers and everything you need to know to decide whether they’re worth it for you.

The apps and websites on this list include banking services, trading platforms, rewards apps, and other types of platforms that have welcome bonuses of $10 for new users—with some deals promising even bigger and better bonuses.

1. Upromise

The Upromise signup offer has made our top three apps for a $10 signup bonus three times, now, thanks to the minimal requirements for guaranteed rewards. Unlike with many other apps on our list, Upromise doesn’t need you to deposit anything (or receive a direct deposit) to get their bonus.

The downside is that it could take some time for your rewards to materialize—possibly as long as a few weeks, although there’s a chance it will be much faster.

Upromise is a platform for cashback rewards and microtasking (completing quick and easy tasks for money, gift cards, or similar rewards). Although there are many similar apps around offering general-purpose rewards (often via gift cards or PayPal cash, for example), Upromise is specifically designed to help families save for college.

You earn cashback rewards with Upromise when you shop through its portal, visit restaurants participating in its program, or use a linked card at partnered stores. There are also other ways to earn, including receipt-scanning, games, and surveys.

Once you join Upromise, you can link it to a 529 college savings plan, student loan account, or regular bank account. When you earn rewards, they will then automatically go to this linked account, and this generally happens during the first week of each month. Upromise says transfers usually take under a week, so this step shouldn’t take too long. 1

When you link your Upromise account with your financial account, Upromise will give you a $25 bonus. It also gives you another bonus of $5.29 when you verify your email, meaning you’ll get $30.29 altogether in welcome bonus rewards.

The speed of the bonus payout will depend on when you join Upromise plus other factors, but you’ll usually be looking at something between a few days and a few weeks (as Upromise says that, after it transfers rewards to your linked account, which happens each month, transfers usually take less than a week to complete—although it could be longer for some 529 plans).

2. Chime

Chime is a banking services app or “neobank,” which is a digital platform that offers many of the same service you can get from a traditional bank. Chime offers online checking accounts; savings accounts; cash advances; credit-building tools; and a host of other tools for budgeting, saving, and sending money.

Chime ranks second in our list of apps with signup bonuses of $10 or more, as you can currently get a whopping $350 for opening a new Chime Checking Account. The downside is that you’ll have to fulfill some criteria involving direct deposits. Initially, to get $100 worth of bonus rewards, you have to receive a $200+ direct deposit to your account within 30 days after opening it.

Direct deposit requirements are standard with bonus offers for banking services apps (or bonus offers for traditional banks). However, these requirements can mean slower payouts compared with offers on some other types of platforms and services, since it can take anything from a few days to a few weeks to set up a direct deposit (even though, in theory, setup can be done almost instantly).

Once you fulfill the requirements for a Chime bonus, though, your payout should follow quite quickly.

3. Rakuten

Rakuten is a rewards app featuring cash back on purchases through its website, mobile app, or browser extension. You can also link your credit cards to the platform to earn in-store cash.

Rakuten is making its second appearance in our top 3 favorite apps for a $10 signup bonus. It’s is a very popular app, and many people on Reddit have been talking about their experiences with it—good and bad—recently. The Rakuten team has also been working hard on Reddit, trying to help their users with any Rakuten-related problems.

Rakuten’s signup offer is more of a signup discount, as you have to spend $25 to get the $10 reward. However, it compares pretty favorably to offers with similar apps, partly because information online suggests that payouts will be fairly prompt the first time you withdraw.

Rakuten says it will send your first payment as soon as 15 days after your first purchase. This suggests that there could be a bit of a delay before your signup bonus rewards materialize—but hopefully not too much.

After it sends your first payment, Rakuten sends your following payments on specific dates (via check, PayPal, or American Express Membership Rewards points) every three months. The payment dates are:

• February 15
• May 15
• August 15
• November 15

4. Current

Current is a decent option if you need a mobile banking service, although it isn’t technically a bank. Rather, it’s a “neobank” (which is a type of digital-only bank that operates entirely online) offering spending accounts, credit cards, credit-building tools, and crypto trading, among other services.

Current signup bonuses can vary in size, and claiming them does involve some work, as customers must use their new account to receive a direct deposit of at least $200 (and this money must also reach the account within 45 days) to qualify for signup bonuses, so this offer has some strings attached.

If you’re able to fulfill the criteria, Current says it sends bonuses within 10 days. Although these types of estimated timelines are often conservative—meaning that there’s a chance you’ll get your money well before the 10-day mark—it’s best not to rely completely on a speedy payout.

5. Chase

Chase is a traditional bank rather than a neobank or fintech and, indeed, it’s one of the largest banks in the US. It offers the usual types of services you’d expect, such as checking and savings accounts, loans, credit cards, and other financial tools.

Chase also frequently has signup bonus deals for its products and services, which usually include several welcome bonus offers of $100 or more for new customers. However, there will be different deals at different times, depending on what Chase is trying to promote.

For most of the Chase bonuses, you’ll have to fulfill certain criteria to qualify. For example, you may need to make deposits or receive payments (e.g., your salary or government benefits) exceeding a certain threshold, undergo credit checks, or satisfy other requirements.

It’s also hard to know exactly how soon you’ll be able to cash out your bonuses. It could take anything from a few days to a few months, depending on the specific offer.

In some cases, Chase says it will pay out within 15 days after you fulfill relevant criteria, for example. Although estimates like these may be conservative (meaning there’s a good chance of getting your money well before the deadline), as usual, it’s best not to count on this.

6. Binance

Binance is one of the largest platforms in the world for trading cryptocurrency. You can use the Binance app or website to trade Bitcoin, Ethereum, Solana, and other digital currencies.

Notably, Binance also allows you to trade USDT. This is a type of cryptocurrency known as a stablecoin, which is so-called because it maintains a stable value of 1 USDT = US$1.

Binance often has generous welcome bonuses comprising USDT or Binance Coin (the native cryptocurrency of the Binance platform) when you sign up on the platform and deposit money in your account. You’ll also need to follow the Binance signup instructions. Once you complete this process, Binance says it will transfer bonuses to your account automatically.

This Binance offer is potentially one of the fastest ways to get a signup bonus, but the exact time it takes will depend on various factors, including the time it takes to verify your identity when you open your account (usually 1–2 business days at most), how long it takes for your deposit to reach your new Binance account (a few days at most), and other processing times.

Also, Binance says that you may need to meet certain criteria (e.g., trading a minimum amount or maintaining your account for a certain period of time) before you can withdraw your bonus money. Find out more on the FAQs page of the Binance website, which provides detailed information about withdrawals.

7. BeFrugal

BeFrugal is a type of platform often referred to as a rewards or cashback app. Use BeFrugal to earn rewards when you make purchases by clicking through via BeFrugal links or using the browser extension before shopping at partner retailers.

As well as having a website and browser extension, BeFrugal has apps for Android and iOS (Apple) devices.

It also has a signup bonus for new users. However, you must earn $20 in cash back (within one year of becoming a BeFrugal member) before you can cash out.

BeFrugal says that you can expect to get withdrawals the day after you request them, so once you reach the threshold, cashing out should be very fast. You’ll also have lots of convenient methods available for cashing out, including checks, direct deposits, PayPal, Venmo, and more.

8. Walmart OnePay Wallet

Walmart OnePay Wallet is a digital wallet specifically for spending at Walmart (including physical stores, the website, or the app). The Walmart OnePay Wallet offer gives you cash back bonus when you spend at Walmart.

Before you can use your bonus credit, there may be a delay while your Walmart purchase “settles.” In practice, this means that the status on your card or payment account could be pending for some time. Walmart may use this extra time to confirm purchases; process payments; and make sure there are no cancellations, returns, or other changes.

To redeem your bonus rewards, you’ll have to set up a OnePay Cash account online. However, this shouldn’t take long. You’ll then be able to redeem your rewards as cash, or you can spend it in Walmart. If you want to transfer your rewards to a separate bank account, the OnePay website says that transfers from your OnePay Cash account take 1–3 business days. 2

The apps on this list offer signup bonuses of $10 or more, but they’re unlikely to cough up immediately, so be prepared for longer delays with these deals. Although there’s a good chance you’ll get your money long before the respective deadlines—or even instantly, in some cases—this isn’t guaranteed, so you shouldn’t stake too much on this.

9. SoFi Checking and Savings accounts

SoFi began life as a provider of student loan refinancing, but now offers a range of financial products and services, including banking services like checking and savings accounts, loans, mortgages, credit cards, investment accounts, and financial planning tools.

Although SoFi could be categorized as a neobank, since it emphasizes digital and app-based services, technically, it now qualifies as a bona fide bank in the traditional sense.

SoFi will often give you a generous bonus (potentially as much as $50 or even more) when you sign up for its Checking and Savings account and use the account to receive direct deposits.3

However, you may have to be patient, as SoFi bonuses can take a month or so to materialize after you fulfill their criteria. 3

10. MooMoo

MooMoo is a trading platform or investment app that offers commission-free trading for shares, ETFs, options, REITs (real estate investment trusts), and other types of assets. Like the well-known app Robinhood, which appears later on this list, MooMoo is good for beginners to get started with investing (although it’s also suitable for advanced investors).

MooMoo often has signup bonus offers that give you free stocks or other rewards. However, to qualify for these offers, you’ll usually have to deposit relatively large sums of money (i.e., hundreds of dollars) into a new account and leave the money there for some time.

As such, MooMoo’s signup offers (and similar offers with other brokerage platforms) will be suitable mainly for those who already have funds invested or earmarked for saving, as you’ll need quite a lot of cash set aside to get a bonus worth $10 or more.

The stocks will also usually be “locked” for quite a while before you can turn them into cash, which is pretty standard for signup bonus offers with brokerage and investment apps.

11. Public

Public is another fintech app for investing online. It allows you to buy and sell shares, bonds, ETFs (exchange-traded funds, which are investment funds containing different assets bundled together), options (which are contracts that let you buy or sell a stock at a set price before a certain date), crypto, and other types of assets.

Like MooMoo, this platform often has signup offers for new customers who deposit money in a brokerage account or fulfill similar requirements (with larger bonuses for larger deposits). The bonus promotions can vary, but there’s a good chance you’ll find something worthwhile, as Public works hard to tempt new users away from other, more popular trading and investment apps.

However, as with other, similar apps, signup offers on Public can be quite restrictive in that you may have to keep money in an account for several months or years (otherwise they sometimes revoke your bonus).

12. E*TRADE

E*TRADE is another popular investment platform owned by the global investment bank and wealth management firm Morgan Stanley. You can use the app to buy and sell many of the same assets that feature on Robinhood (e.g., shares, ETFs, options, and REITs).

E*TRADE also frequently runs promo deals for new signups with bonuses worth well over $10. However, you’ll usually need to invest fairly large amounts to qualify—as much as $1,000 or even more. In most cases, the more you invest, the bigger the bonus you’ll get.

The apps on this list don’t always guarantee as much as $10 in signup bonus rewards. However, they do promise at least some kind of enticement for new sign ups, and this may sometimes be as much as $10 or more if you’re lucky.

13. Robinhood

Robinhood is an investment app you can use to trade shares, ETFs (exchange-traded funds, which bundle together different assets), options (which allow you to buy or sell a stock at a set price before a certain date), REITs (real estate investment trusts, which are a way to invest in real estate without buying buildings), cryptocurrencies, and other types of assets.

When you sign up with Robinhood, you’ll usually get free shares whose value corresponds to “a specified dollar amount anywhere between $5 and $200.” However, Robinhood says that approximately 99% of customers will get stock worth $5, so you’re much more likely to get a bonus worth less than $10.

14. Acorns

Acorns is a fintech app designed for “micro investing,” which is a way to invest in small increments by buying fractions of shares. Acorns sometimes has signup bonus offers, and previous offers have been worth as much as $25.

Note that there are usually deposit requirements with these offers (i.e., you must deposit at least $5) and fees (starting from $3) that will offset some of the bonus rewards, although you might still get more than $10 in total rewards.

To get the Acorns signup bonus, you’ll usually have to set up a daily, weekly, or monthly investment of $5 or more.

After that, Acorns says that it will pay out the bonus (in the form of shares) within 10 days of the following month after you make your first successful Recurring Investment.

15. Crypto.com

Like Binance, which we saw earlier on this list, Crypto.com is a platform for trading Bitcoin, Ethereum, and other types of cryptocurrencies (although beginners may find it a bit easier to use compared with Binance). The beauty of crypto apps like these is that transactions are usually fast, so Crypto.com may be among the quickest ways to get a $10 signup bonus.

However, the platform doesn’t cite a guaranteed minimum amount for the bonus. Because of this, it’s not clear whether you’ll receive as much as $10; the amount could be even less, or it could be a lot more.

The Crypto.com signup bonus comes from the “Welcome Bonus Missions” that the platform often uses to entice new users. These bonus missions promise chances to win hundreds or even thousands of dollars’ worth of crypto rewards. However, there’s no guarantee you’ll win this much (or, as mentioned, that you’ll even win $10).

Something else to watch out for with this offer is the types of cryptocurrencies involved. The bonus payment you’ll get will only include more niche currencies (e.g., Cronos [CRO], Ferro [FER], and CorgiAI [CORGIAI]). However, you can then trade these for more popular cryptocurrencies or cash.

Also, you’ll need to trade a certain amount of crypto to qualify for bonuses. According to the Crypto.com website, this requirement will be in the region of $100–$500, with the exact amounts depending on where you sign up.

16. Freecash

Freecash is a type of platform often called a microtasking or GPT (get paid to) platform. It promises users can “earn free cash within minutes” by taking surveys, signing up for offers, and testing games, as well as other types of apps.

The platform also offers a signup bonus that can sometimes be as much as $10 or even more. However, Freecash doesn’t explain clearly how much you can expect to receive (since the bonus amount supposedly depends on various factors). We suspect that you’re more likely to get something at the lower end of the range Freecash cites.

One of the best things about Freecash is its instant withdrawals (which many similar GPT apps don’t guarantee), so it’s a great option if you’re looking for surveys that will pay out on the spot. However, there’s a minimum threshold you’ll have to reach first, which, like the signup bonus, will vary.

17. Ibotta

Ibotta is a rewards app you can use to earn by scanning your shopping receipts or linking store loyalty accounts to your Ibotta account.

This app doesn’t guarantee a minimum welcome bonus amount before you sign up, but there’s a good chance you’ll receive as much as $10 or possibly even $20, according to some reports. Anecdotal reports vary, so we can’t confirm exactly how much you’ll get, but the general consensus is that trying Ibotta is worth it.

Check out the “Bonuses” page in the app after you sign up to find out which freebies are available.

Ibotta claims that any money you withdraw from the app (which you can do via PayPal) will usually reach you within an hour. As such, it offers one of the fastest payouts among the apps on our list.

18. Receipt Hog

Receipt Hog is another app similar to Ibotta in that it allows you to earn cash back on your shopping.

The platform also says it will give you a bonus when you link your email account to your Receipt Hog account. However, the information Receipt Hog provides about potential bonus amounts is confusing, as it’s unclear whether you’ll receive 36 coins or 100 coins (or both amounts). Since every coin is worth about half a cent, the bonus will ultimately be worth less than a dollar.

You may sometimes be able to get a lot more, as there’s an additional reward of free sweepstakes entries for users who connect their email accounts, meaning that there’s a chance you’ll end up with a sweepstakes prize of up to $25. However, we don’t rate your chances of winning this much.

On the upside, cashing out on Receipt Hog (which you can do via Visa, PayPal, or Amazon gift cards) shouldn’t take long. Receipt Hog says that it will review and approve your redemption request within 7 days of your request date.

The welcome bonus offers on our list are available to all users signing up with the respective platforms or services.

On top of the welcome bonuses we’ve explored, you can also often get referral bonuses. These are a way to potentially earn even more cash (or other free gifts) when you sign up with a platform or service using a link or referral code from someone who is already on board.

If you don’t know any existing customers of the platform or service you have in mind, you can search for referral links or codes online.

The following types of platforms and services are good prospects to target:

• Banks: Many banks offer referral bonuses in addition to signup bonuses. For example, Chase currently offers a $50 bonus each time you refer a friend who opens a qualifying Chase checking account.
• Digital payment services: Digital payment apps or websites (which let you pay for purchases online or send money electronically without using cash, cards, or checks) sometimes have referral bonus offers. Check out PayPal, Venmo, and Cash App if you don’t already have these accounts.
• Digital banking services: We’ve already mentioned the neobank Current in our list, and you may be able to get referral bonuses from similar online banks like Chime, Revolut, and Wise.
• Investment apps: You can often get a bonus when you sign up on brokerage or investment apps (although, as with the ones on our list, you’ll usually need to invest something in your new account to qualify for the bonus and possibly meet additional criteria, too). In addition to the apps on our list, try Webull and SoFi (which offers investment services).
• Crypto apps: Aside from Binance and Crypto.com (which offer referral bonuses in addition to signup bonuses), you may get referral bonuses from other crypto apps like Coinbase and Gemini.
• Payday apps: These types of apps allow you to get your salary early, although they charge fees for this privilege, so watch out for these hidden costs. Look for referral bonuses (and signup bonuses) with popular payday apps like EarnIn and Cleo
• Other fintech apps: There are also other types of fintech apps that will reward you for joining as a new customer with referral bonuses as well as potential signup bonuses. Try Albert (a personal finance app) or MoneyLion (an all-in-one platform for mobile banking, cash advances, credit-building loans, and investing tools).
• Microtasking or GPT platforms: We’ve already mentioned some of these platforms (e.g., Freecash and Upromise) that offer cash or other rewards when you sign up. Many will also give you referral bonuses when you join via another user of the platform. You can then frequently find even more referral offers within the new microtasking or GPT platform (usually under a tab or section called “Offers” or “Deals”), meaning you can get yet more bonus rewards from other new companies.

In addition to referral bonuses available for new users of a platform or service, you can also sometimes get bonuses for referring other people to use a company or platform you’re already with.

These bonuses may be in the form of a one-off payment or ongoing commission. For example, many microtasking and GPT platforms will give you a percentage of whatever your friend earns on them after joining, which can be a great way for you to make easy money.

If you don’t like the sound of any offers on this list, there are many other quick ways to bag $10 in cash, crypto, gift cards, or other rewards.

• Microtasking: We’ve already mentioned a few of these platforms (e.g., Freecash and Upromise), which you can usually use to earn $10 within a few hours by taking surveys, playing games, or exploring deals, for example. Popular apps and sites include MTurk (which you can read about in our MTurk review) and Branded Surveys (which we also reviewed ourselves).
• Freelancing: There are many popular freelancing platforms you can use to find various types of work (both online and offline) in areas like writing, proofreading, graphic design, and virtual assistance. You can also investigate more conventional side hustles in your local area, such as mowing lawns, tutoring, or babysitting.
• Selling stuff online: If you want something a bit more passive, try selling items online. Have a look at selling platforms like Facebook Marketplace and eBay.
• Renting stuff out: Similar to selling online, renting out stuff online to make money is a fairly easy, passive way to get paid. Consider renting out spare rooms, vehicles, sports equipment, designer clothing, or baby gear, for example. Dedicated apps and websites include Airbnb (for renting out rooms and properties), Turo (for renting out cars and vehicles), and FriendWithA (for renting out a range of items and equipment).
• Combining multiple offers: Many companies have welcome bonus offers and referral bonus offers promising cash or other rewards worth under $10 when you sign up with them. Use two or more such offers to accumulate $10 or more in rewards. For example, the investment app RobinHood usually offers a $5 signup bonus, which you can combine with other deals (e.g., the $5 signup bonus for cashback app RebatesMe).