Best sign-up bonuses of 2026 — all categories, updated monthly

The easiest bonus on this page. Install the free browser extension, use it for 90 days at any online store, and earn $80 in shopping rewards. No purchase minimum, no credit check.

The most popular cash back portal for a reason. Shop through Rakuten at 3,500+ stores and earn cash back on every purchase. New members get $50 back after spending their first $50 within 90 days of joining.

Frequently beats Rakuten on rates at specific retailers. Worth having both. Earn $20 when you join and earn $10 in cash back.

$20 welcome bonus on sign-up. Works at 5,000+ stores with built-in coupons stacked on top of cash back.

Earn $30 after making your first $10 in cash back. One of the best bonus-to-requirement ratios on this list. Code: XOU7KT.

One I’ve personally used for over ten years. Solid, reliable, pays out consistently.

$10 free on join, 5,000+ stores, coupon stacking included.

Cash back plus surveys and gift cards. Good complement to Rakuten.

Earn 300+ points in your first 30 days and qualify for a welcome bonus.

Newer rewards aggregator — check the link for current welcome offer.

Open an account with a qualifying deposit and earn up to $1,000 in NVDA stock, an 8.1% APY boost for 2 months, and free Level 2 real-time market data for 30 days. Code: WHZGT3UM.

No minimum deposit for the base offer. Everyone who opens an account and links a bank account gets fractional shares valued $5–$200.

Fund your account with $1,000+ within 60 days and receive $100 cash. Best platform for options traders. Code: KZMVCHAEV6.

Make your first deposit and claim up to $300 in crypto. Social trading platform — copy experienced investors or build your own mix of stocks, ETFs, and crypto.

Invest just $5 and earn a $30 bonus to kick-start your portfolio.

Real-estate investing app — invest in fractional real-estate loans. Sign up with a referral link to earn a bonus.

This referral campaign ended October 14, 2026 — the bonus is no longer available.

Open a new account and make at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. No monthly fees, no minimum balance.

Make a first direct deposit of $200+ and get $100. Great fee-free bank with early direct deposit.

Welcome offer changes frequently — check the link for current terms before applying. Welcome offers vary, and you may not be eligible for the maximum offer.

To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on October 26, 2026; no end date shown. Flex is a strong pick if you want the highest cash bonus for that $500 spend, with no annual fee.

To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on September 24, 2026; no end date shown. Unlimited also earns 1.5% flat cash back on everything with no annual fee — a solid everyday card for anyone who wants simplicity over category optimization. Spend $500 in first 3 months, get $200 cash back. Best flat-rate no-annual-fee card.

To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on September 24, 2026; no end date shown. Slate is a good fit if you want to pay down a balance interest-free.

Spend $4,000 in first 3 months, earn 75,000 miles worth $750 toward travel.

As high as 80,000 bonus miles after you spend $3,000 in purchases in the first 6 months. Limited-time offer ends 11/4/2026, plus a $250 statement credit once you meet the same spend requirement.

One referral link covers all United MileagePlus cards — compare and choose on Chase’s page. Offer verified October 26, 2026; no end date shown. You must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Gateway: earn up to 50,000 bonus miles: 40,000 miles after $1,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. No annual fee. Explorer: earn up to 80,000 bonus miles: 70,000 miles after $3,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. $0 intro annual fee for the first year, then $150. Quest: earn up to 90,000 bonus miles plus 500 Premier Qualifying Points: 80,000 miles after $4,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months, plus 500 Premier Qualifying Points. $350 annual fee. Club: earn up to 100,000 bonus miles: 90,000 miles after $5,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. $695 annual fee.

Join and send your first payment. Five dollars free.

Create an account with code LZSWJFX and send money within 14 days.

Sign up for PayPal, link a bank account or card, and spend at least $5 within 30 days of signup — and earn 1,000 Rewards points.

Earn 100,000 bonus points after spending $8,000 in the first 3 months. $95 annual fee. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.

Spend $6,000 in first 3 months, earn $750 cash. Best simple flat-rate business card. One referral link covers both Spark cards.

Earn 50,000 miles after spending $4,500 in 3 months — worth $500 toward travel. A better fit if your business spending is lower, or if you prefer travel rewards over cash back. One referral link covers both Spark cards.

Earn $750 bonus cash back after spending $6,000 in the first 3 months. No annual fee. Unlimited 1.5% cash back on every purchase. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.

Earn $750 bonus cash back after spending $6,000 in the first 3 months. No annual fee. Up to 5% cash back on business essentials. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.

Earn $1,000 bonus cash back after spending $10,000 in the first 3 months. $195 annual fee. 2.5% cash back on large purchases. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.

Earn 200,000 bonus points after spending $30,000 in the first 6 months. $795 annual fee. Premium travel rewards. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.

Members-only home-swapping network. Get 5 free nights before you need to host a single guest. Code: sha.org.

Sign up to host and earn ~$100 once a referred guest completes a $100+ booking.

Universal travel points platform. Get 500 miles just for signing up, no purchase needed.

New users get 50% off their first ride. Code: SHAWN974802.

New users get $25 off across their first two rides.

Verizon-network MVNO. Get $20 off a service payment. Code: 39mrRc.

Sign up for Xfinity Mobile or Internet and get $50.

Swap homes with members around the world. Join with this link and get 250 GuestPoints to use toward stays.

Code: eats-6bccu. $20 off your first order.

No minimum required.

Widest restaurant selection in most markets.

$10 toward your first grocery delivery. Code: SOO1BD1A.

Pre-payment dining app — buy restaurant credit at a discount at participating local restaurants. Get $25 off your first $50+ meal.

Daily deeply discounted wine deals, one bottle at a time.

Buy surplus food from restaurants at 50–80% off. Reduces food waste. Get $2 to start.

Grocery cash back app. Sign up, redeem an offer in-store, you get $5.

Get a free box of fresh, pre-portioned meal kits delivered to your door.

Get 1B free tokens when you enter referral code 45UQQG within 48 hours of joining.

Get $25 off comprehensive lab testing and actionable health insights.