Finance bonuses and sign-up credit
Money apps love a sign-up bonus, and they love fine print even more. We open the account, meet the condition and check that the bonus actually lands. Then we write the condition down in plain English.
12 checked Finance offers
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- RakutenFinance $50 bonus Join Rakuten, the cash back shopping site, through our link, spend $50 on cash back purchases within 90 days, and you get a $50 bonus on top of your cash back. For sign-ups until the end of 2026.
- IBKRFinance Up to $1,000 Earn up to $1000 in IBKR stock as a new Interactive Brokers customer. Get $1 stock for every $100 deposited.
- American ExpressFinance Up to 150K points Earn up to 150,000 Hilton Honors bonus points with American Express Hilton credit cards after meeting spending requirements within six months.
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MeruFinance
Up to $11 in USD
Join Meru, the USD wallet for Latin-American freelancers, with our code AANDOA. Do the first $100 transaction and you get $3, then $2 for each of your next four $50+ transactions.
- MercuryFinance $250 bonus Open a Mercury business account, deposit $10,000 within 90 days, and score a verified $250 cash bonus—perfect for venture-backed startups and small businesses.
- Capital OneFinance Free odds check Use our Capital One referral link to see which cards you’re likely to get, with a soft check that doesn’t touch your credit score. No bonus for you, and approval stays Capital One’s call.
- VenmoFinance $5 bonus Join Venmo with our link, send another Venmo user at least $5 within 14 days of the link being created, and Venmo adds $5 to your account.
- FidelityFinance Invite link, no bonus A referral link to Fidelity Investments. There is no cash bonus or free shares for you through it, and we won’t pretend otherwise.
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KASTFinance
$100 off Premium
Join KAST with our code: $100 off Premium ($1,000 a year) plus up to $230 cash bonus, paid out at three card spend milestones.
- WiseFinance €500 fee-free Secure a free international transfer up to 500€ with Wise. Send money globally with real exchange rates and transparent fees.
- MasterworksFinance $200 credit Score a $200 Masterworks investing credit as a new member and start buying fractional shares of blue-chip art on their platform.
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Cash AppFinance
$5 credit
Get $5 credit when you join Cash App and send $5 or more to anyone. New users receive instant bonus for peer-to-peer payments.
What trips people up
- The qualifying action. Many bonuses need a first transfer, deposit or trade before they pay out. We list exactly what counts.
- Time limits. Some bonuses expire if you don't act within a set number of days.
- Not financial advice. We check that the bonus works. Whether the product suits you is your call.
Questions
When do finance bonuses pay out?
It depends on the brand. Some pay instantly, others after your first qualifying transfer or deposit. Each offer says which.
Is a referral bonus safe to use?
The bonus itself is just a discount or credit. Treat the product like any other financial product and read its terms.