Banking
Bank & card bonuses
Free plans only. Skip anything that wants a monthly fee. Direct-deposit bonuses (Chime, MoneyLion) are real — and they have holding rules. Don’t open an account, grab a bonus, and close it the same week.
| App | No deposit | With a paycheck | Payout |
|---|---|---|---|
| Aven Advisor | $5 | $5 | Bank |
| MoneyLion | $5 | $60 | Virtual Visa / bank features |
| SoFi | $10 | $10 | Rewards points → Apple Pay / Google Pay |
| Chime | — | $100 | Chime checking |
| Cash App | $5 | $5 | Cash App balance |
| Modak | $10 | $10 | Modak account |
Aven Advisor
Credit & home
Home-equity-backed card. Free plans. Referrals pay $1–$100 spins, cash to bank.
- You get
- Referral gets $5; free plans with no sub…
- Cashout
- Bank transfer
- Speed
- 1–2 days
USA18+No depositMP25T9WRXD
MoneyLion
Banks & cards
Free Roar Money account. Instant $5–$10 most days, plus a direct-deposit bonus.
- You get
- $5–$10 instantly on a Roar Money account…
- Cashout
- Points onto an in-app virtual Visa
- Speed
- Instant for the signup bonus most days
USA18+No deposit$Smartlion
SoFi
Banks & cards
Free $10 for turning on credit-score monitoring. Instant to Apple/Google Pay.
- You get
- $10 (1,000 pts) when you turn on free cr…
- Cashout
- $10, withdraw via Apple Pay or Google Pay
- Speed
- You: instant after monitoring is on. Referrer: within 7 days
USA18+No deposit
Chime
Banks & cards
$100 after a qualifying $200+ direct deposit. Strong for gig workers.
- You get
- $100 when you receive a qualifying $200+…
- Cashout
- Bonus lands in the Chime account
- Speed
- After the qualifying deposit posts
USA18+
Cash App
Banks & cards
Get $5 when you send $5+. The 30-second bonus.
- You get
- $5 when you send $5 or more
- Cashout
- $5 credit in Cash App
- Speed
- After the qualifying $5+ send
USA18+No depositGKZKK9Q