11 Ways to Get Instant (and Not-So-Instant) Signup Bonuses of $20 or More

In theory, there are many ways to get an instant signup bonus of $20 or more. Many companies will give you $20 worth of cash, crypto, gift cards, or similar rewards immediately after you join them as a new customer.

However, although you can sometimes get these types of rewards instantly credited to a new account, in reality, you can’t always use your rewards immediately. Frequently, you’ll have to fulfill specific requirements first, and this process can often take several hours or days—possibly even longer.

For example, you may need to receive a payment to a new account via direct deposit. It will require time to set up the direct deposit (e.g., filling out paperwork), wait for the payment, and then allow for additional processing time. As such, some of the offers on this list will have faster payouts than others, and not all of the services will necessarily suit your lifestyle and needs.

All the same, you should find at least a few offers that will be worth your time. So read on to find out about the best deals offering $20 or more for new signups—and what you’ll need to do to get your bonus.

If you’re looking for signup bonuses of $20 or more, you can get these from all kinds of places, including cashback apps, banks, and fintech platforms.

As mentioned, the platforms on this list will vary in terms of how fast they’ll pay out signup bonuses. With some platforms, you might get paid within a couple of weeks. With others, you could wait anywhere from a few days to several months. Banking or brokerage apps, for example, sometimes take several weeks or even months to pay bonuses.

And, if there are also complicated hoops for you to jump through, this will slow things down even more. For example, if you have to receive a direct deposit (usually your monthly salary from an employer or government benefits) to an account associated with a signup offer, the process of setting this up can take as little as a day or as long as several weeks, depending on payment schedules and other factors.

As such, you should check terms and conditions carefully before you sign up for anything.

1. Current

Current tops our chart for $20 signup bonus offers for the second month in a row. People on Reddit have recently been sharing pretty positive feedback about this platform, which is a good option if you need a mobile banking service (although Current is technically a fintech platform and not a bank).

Although there’s some ambiguity around the size of Current’s signup bonus, and claiming the money does involve a bit of work—as you must set up a direct deposit to your account and receive at least $200 in salary or benefit payments—there’s a good chance of a quick payout once you fulfill the criteria.

Current’s mobile banking services include spending accounts, credit cards, credit-building tools, crypto trading, and more. It’s also sometimes described as a “neobank,” which is a type of digital-only bank that operates entirely online.

In 2025, Current was offering $50 bonuses for new users who signed up for an account and used their account to receive a qualifying direct deposit. Although the bonus amount may have changed, it will still likely be more than $20.

To qualify for a Current signup bonus, you must usually set up a direct deposit of at least $200 (which, as mentioned, can take a while, depending on various factors), and this must reach your account within 45 days.

Once you tick all of these boxes, Current says it will send your bonus within 10 days.

2. Upromise

Upromise also makes our top 3 for the second month in a row. We like its signup offer because of the minimal requirements for guaranteed rewards. Unlike with Current and many other apps on our list, you don’t need to deposit anything (or receive a direct deposit) to get this bonus. However, the downside is that it could take some time for your bonus to materialize—possibly as long as a few weeks.

Upromise is a platform for microtasking (completing quick and easy tasks for money, gift cards, or similar rewards) and cashback rewards. Many similar apps and websites exist for users to earn general-purpose rewards in the form of PayPal cash or gift cards, for example. However, Upromise is unique in that it’s specifically designed to help families save for college.

You can get started with the platform by linking a 529 college savings plan, student loan account, or regular bank account to your Upromise account. Then, when you shop through the Upromise portal, visit participating restaurants, or use a linked card at partner retailers, you’ll earn cash back rewards on your purchases. There are also other ways to earn, including surveys and games.

Upromise automatically transfers the rewards you earn to the account you link with the platform, which generally happens during the first week of each month. Upromise says transfers usually take less than a week to complete (although it could take up to 45 days for some 529 Plan account payments), so, for most types of accounts, bonus payments should reach you pretty fast. 1

3. Chase

Chase is a major bank and one of the largest financial institutions in the US. It offers many different banking services, including personal banking, business banking, credit cards, loans, and investment services.

This month, Chase ranks among our top $20 signup bonus offers, thanks to its generous January offers for new customers—some of which are worth hundreds of dollars. You can enjoy these offers when you sign up for select Chase bank accounts or credit cards.

The caveat is that you will usually have to fulfill many specific requirements to qualify for Chase’s signup offers. For example, you may need to receive direct deposits that exceed a certain threshold, pass credit checks, or meet other criteria. There may also be fees or other charges to watch out for (which you can research on the Chase website).

Some offers will also be faster than others in terms of how quickly you can cash out your bonuses (which could take anything from a few days to a few months), so this is another thing to research in advance.

4. Binance

Binance is a different type of fintech platform—this time one you can use to buy, sell, and trade a wide variety of digital currencies, including Bitcoin (BTC), Ethereum (ETH), and many more.

When you sign up to use Binance, you can often get bonuses if you follow the platform’s signup instructions (which can sometimes involve making a deposit). Binance bonuses sometimes comprise rewards vouchers you can use for purchasing cryptocurrency or to get discounts on crypto trades.

They may also sometimes be in the form of Binance Coin or USDT. Binance Coin is the native cryptocurrency of the Binance platform. USDT is a type of cryptocurrency known as a stablecoin, which is designed to maintain a value of 1 USDT = 1 US dollar (which means its value doesn’t go up and down as much as other cryptocurrencies’).

Cryptocurrency platforms potentially offer fast payouts for signup bonuses, but the exact time it takes will depend on various factors. In this case, it includes the time it takes Binance to verify your identity when you open your account (usually 1–2 business days at most), the time it takes for your deposit to reach your new Binance account (a few days at most), and other processing times.

However, Binance says that you may need to fulfill certain requirements (e.g., reaching a minimum trading volume or maintaining your account for a certain period of time) before you can withdraw your bonus. The FAQs page on the Binance website has more information about withdrawals.

5. SoFi Checking and Savings accounts

SoFi is a personal finance and fintech company that offers credit cards, mortgages, loans, stock investing, and other financial tools and services.

SoFi started life as a provider of student loan refinancing and then branched out into other financial sectors. Like Current, it could be categorized as a neobank—with its digital-first approach and app-based services—although it technically qualifies as a fully fledged bank.

When you open a new SoFi Checking and Savings account online and use it to receive a direct deposit, you can often earn a welcome bonus. The exact bonus amount will depend on the direct deposit amount you receive. 2

However, although this bonus is decent, the payout speed will depend largely on how long your direct deposit takes to set up (which will depend on your payer, along with other factors). SoFi warns that setting up direct deposits can take 2–4 weeks. Once the deposit money materializes, your bonus will follow within a week. 2

6. MooMoo

MooMoo is a trading platform 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 didn’t make this list, MooMoo is good for beginners to get started with investing.

MooMoo often gives away free stocks to new customers who open an account with them and deposit money in the account. In most cases, the amount of bonus stocks you’ll get will vary, depending on how much you deposit.

As usual, there are various terms and conditions you’ll need to fulfill to benefit from this signup offer. And, though you can get the stocks immediately, you won’t necessarily be able to “unlock” them straight away to turn them into cash. Like many similar apps, MooMoo will probably expect you to maintain your deposit money in your account for several weeks.

7. Upgrade Rewards Checking Plus

Upgrade joins the ranks of the neobanks in our list, offering digital banking and credit products through their digital platform, which operates entirely online.

Upgrade often has signup bonus offers. In 2025, it was offering a $200 bonus to new signups for the Rewards Checking Plus account who used their account to make three debit card transactions. 3

Once again, though, the bonus payment for this platform isn’t guaranteed to be fast. Some Upgrade offers have been known to take a couple of months to materialize. There’s a chance your bonus money will arrive faster than this, but you shouldn’t count on it.

8. TradeStation

TradeStation is another investment platform that allows users to trade shares, ETFs (exchange-traded funds, which group lots of companies together in a combination of stocks or other assets), options (contracts that let you buy or sell stocks at a set price at certain times), crypto, and other assets.

TradeStation is geared toward experienced investors. It often has very generous welcome bonuses—sometimes hundreds’ of dollars’ worth—but they can take a long time to reach you and can require large deposits to your TradeStation account. You’ll also usually need to maintain a certain balance in your account for several weeks or more.

9. Public

Public is an investment app for trading stocks, bonds, crypto, ETFs (exchange-traded funds), options (which you can use to trade assets at set prices at certain times), REITs (real estate investment trusts, which are companies that own or finance income-generating properties), and other types of assets.

Public often has signup bonuses and similar offers to entice new users away from bigger platforms like TradeStation and Robinhood (another famous brokerage app, which doesn’t feature on our list).

However, these offers may only be suitable if you already have funds earmarked for investment, as you’ll usually need a pretty hefty amount of money to deposit in a Public account in order to qualify. The exact amount of the bonus will then usually depend on how much you put in your account (with larger bonuses for larger investments), but it can be hundreds of dollars.

There may also be other important terms and conditions to consider. Notably, Public often threatens to revoke bonuses if you don’t keep the money in your account for at least 5 years.

10. E*TRADE

E*TRADE is yet another popular investment platform, this time owned by the global investment bank and wealth management firm Morgan Stanley.

It offers many of the investment services you’ll see on other platforms, such as stocks, bonds, ETFs, options, futures (contracts that commit you to buy or sell stocks or other assets at a set price on a specific future date), and mutual funds (which can contain a mix of stocks, bonds, or other assets).

E*TRADE also has frequent promo offers for new signups, offering cash credits when you open a brokerage account. The minimum investment amounts for these offers can be quite high (e.g., $1,000 or more). In general, the more you invest, the more cash credits you’ll get.

Unfortunately, though, your bonus payment won’t usually be instant. You may have to wait several weeks from the date you open your account to get it.

11. TD Bank

TD Bank is a Canadian bank that operates in the US via physical branches as well as digital services. They offer banking services, credit cards, loans, home lending, and other financial products.

TD Bank often has welcome bonuses for new customers, with various bonus amounts available, depending on the type of account you get. For example, in 2025, you could get bonuses of $200 or even more for signing up to get their checking or savings account.

However, with TD Bank, as with many similar offers, there can be a a long wait for your bonus rewards to reach you. For example, many of the offers we’ve seen on their site involved a wait of up to 180 days (6 months).

Many offers also have specific requirements. For example, only certain types of users may be eligible, and you may need to use the account for qualifying direct deposits or maintain a minimum balance in a new savings account for a set period.

Because some TD Bank offers are also short-term, you’ll need to review their website to find out what’s available at the time you plan to sign up. It’s likely they’ll have ongoing offers to entice new users away from their competitors like Chase.

In addition to signup bonuses, referral bonuses are a great way to get cash or other freebies worth $20 or more.

You can get referral bonuses when someone who is already using a service recommends you as a new user or, vice versa, when you recommend other new users to a service you’re already using.

Platforms and services that often offer referral bonuses include:

• Digital payment platforms: Venmo, PayPal, and Cash App are three popular payment platforms that frequently offer referral bonuses.
• Digital banking services: You may find offers from the likes of Revolut, Chime, and Wise.
• Brokerage apps: We’ve already mentioned a few investment platforms and brokerage apps that may offer referral bonuses as well as signup bonuses. You can also try alternatives like Webull and SoFi (which offers investment services).
• Crypto apps: Check out crypto-specific trading apps like Coinbase and Crypto.com.
• Other fintech apps: Try EarnIn (a payday app), Albert (a personal finance app), and MoneyLion (an all-in-one platform for mobile banking, cash advances, credit-building loans, and investing tools).
• Microtasking platforms: There are numerous websites and apps for earning with microtasking, which involves completing quick and easy tasks for cash and other rewards. Popular examples include InboxDollars (which you can read about in our InboxDollars review), Swagbucks (which we also reviewed), and Branded Surveys (which we also reviewed).

If someone refers you to a platform or service that has a referral bonus, they’ll usually have to give you a special link or code. If you don’t know anyone who is already using the company you have in mind, you may be able to ferret out links or codes online (e.g., via social media or reviews).

Similarly, you can share your own referral links and codes online to earn bonuses by referring other people to join a platform you’re using.

Signup bonuses are one way to make a quick buck, but there are many more strategies you can use to earn $20 fast, including ways to make money in one hour or less.

• Microtasking: Many survey platforms and microtasking or GPT platforms offer $1–$10 bonuses when you sign up, and you may then be able to reach the $20 mark within a few hours by taking surveys, playing games, exploring deals, and completing other quick and easy tasks. Besides the popular platforms we’ve already listed, you can try Mistplay (a gaming app), Scrambly (a GPT app), and MTurk (which you can read about in our MTurk review).
• Freelancing: There are also many popular freelancing platforms you can use to find work (including remote work) in all kinds of areas, such as writing, proofreading, graphic design, and virtual assistance.
• Selling stuff online: If freelancing sounds like too much effort, there are many more ways to make money selling items online. Numerous selling platforms exist for this purpose, such as Facebook Marketplace and eBay.
• Renting stuff out: If you don’t have anything you want to sell outright, you might have something you can rent out to make money. Consider renting out spare rooms, vehicles, bikes, sports equipment, or tools, for example.
• More conventional side hustles: There’s a lot to be said for old-fashioned earning strategies like babysitting, mowing lawns, or offering other services to neighbors or people in your local area. You can likely earn $20 from just a couple of hours’ work with this method, and it might pay faster than many of the signup bonus offers we’ve listed (especially if you can get paid in cash).
• Combining multiple offers: Some platforms similar to those we’ve explored have smaller signup bonuses (i.e., $0.01–$19.99). Try stacking these to accumulate $20 or more. For example, the trading and investment platform eToro sometimes has a $10 crypto bonus for certain new users, and you can combine this with another offer, such as the one for BeFrugal, a cashback app that gives new users a $10 bonus when they earn at least $20 in cash back.