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How to Get Free Money Now: 42 Easy Ways (Earn $450+ Now) [2022]

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Best Sites to Get Free Money

Branded Surveys

Branded Surveys logo

$0.50 – $5 on average per survey with bonus points ($1 sign up bonus)

Average survey length is 10-20 minutes and minimum payout is $5

Collect rewards in PayPal, Direct Deposit or gift cards (100+ brands)

Survey Junkie

Survey Junkie logo

$1 – $3 per survey + extra ways to earn up to $100 with focus groups

Each survey time varies, but on average it takes 15 minutes to complete

Redeem rewards using PayPal, e-giftcards or bank transfer ($5 min)


Swagbucks logo

$0.50 to $1.50 per survey – earn up to $100 each month using Swagbucks

18 unique ways to earn money and free gift cards, plus $5 sign up bonus

Redeem e-gift cards from $1 or withdraw $5 minimum payment from PayPal

42 Ways to Get Free Money Online:

SurveyJunkie Sign Up-Bonus

($1.30 Sign Up-Bonus)

Survey Junkie Summary

  • $1-$3 average earnings per survey
  • Extra points if you screened out of survey
  • Additional ways to earn up to $100
  • Install Survey Junkie extension for bonus

Survey Junkie is a survey site that pays you for your opinion. You don’t need prior skills or experience to take part, and you can work in the comfort of your home.

Create an account, and you’ll earn your first 25 points ($0.25) for verifying your identity. Earn another 50 points for answering questions in your user profile, 5 points for taking a new user tour, and 50 points for completing five additional sub-profiles.

Redeem your points via PayPal or electronic gift cards once you have 1,000 points ($10).

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InboxDollars Bonus

($5 for Providing Email Address)

InboxDollars Summary

  • $5 sign up bonus
  • Referral program – 30% that referral makes
  • Most of the surveys pay $0.50 to $1
  • 13 different ways to earn money

Inbox Dollars will pay you to take surveys, watch videos, play games, and shop online. It’s user friendly, and, in a short time, you’ll be maneuvering the site like a pro.

Provide your email address to get your $5. You’ll also get a $1 bonus for every friend you refer and 30% of your friend’s earnings while they remain active users.

You need to earn $30 to cash out for a gift card, and, unless otherwise indicated, there is also a $3 processing fee.

InboxDollars does not transfer funds to PayPal or make direct deposits, and their eCards and pre-paid Visa Cash Cards are only available for United States residents.

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MyPoints Sign-Up Bonus

($10 Sign-Up Bonus)

MyPoints Summary

  • $10 sign-up bonus with your first purchase
  • Earn $1 on average per survey you complete
  • Over 10 different ways to earn money
  • Pays by gift cards, PayPal & travel miles

MyPoints rewards you for everyday Internet activities like searching the web, shopping at your favorite online stores, taking surveys, and playing online games.

To receive a $10 gift card good for a variety of stores, you’ll need to join MyPoints and spend $20 or more at a qualified retail partner’s store within your first 30 days of membership.

On MyPoints, you earn 60 points for just completing your profile, plus 50 points for every survey you qualify for (you still earn 10 points if you don’t qualify). You’ll need 1600-1700 points to earn a $10 gift card, depending on the store. You can also choose to cash the points out through PayPal.

best survey apps

Acorns Sign up Bonus

($5 Sign up Bonus)

Acorns Summary

  • Low account fees from just $3 per month
  • Get $5 in your account for referrals
  • Low minimum starting investment amount
  • High average return on investments of 7.5%

The Acorns app enables you to automatically invest spare change in the stock market for an approximate 5% return. This type of investing is excellent for newbies and college students who want to dip their toes in without taking big risks.

You will receive a $5 bonus just for joining Acorns and completing your registration.

You can access your funds through the means you select after keeping your account active for at least a month.

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Opinion Inn Sign-Up Bonus

($10 Sign-Up Bonus)

Opinion Inn Summary

  • Get a $10 bonus just by signing up
  • High average payout per survey of $3 to $5
  • Not many requirements to sign up
  • Reliable and prompt payouts via PayPal

OpinionInn is a platform where you can share your opinions with companies across the globe concerning their products and services and get paid to do so.

What’s more, they also pay you a $10 sign-up bonus.

You have various options for redeeming your cash:

  • You can select from a variety of gift cards in their database
  • Paypal transfer (requires a minimum of $25 in earnings)
  • Online gaming coupons.
  • Donation to your favorite charity

You need a minimum of $25 to redeem via PayPal cash.


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SurveyClub Sign-Up Bonus

($5 Sign-Up Bonus)

Survey Club Summary

  • Earn $40 to $60 per day from focus groups
  • Payout per survey between $0.50 to $5
  • Qualifier filter saves time on screening
  • Earn $1 for each friend you refer

Survey Club pays you for completing surveys. The company has partners all over the world, making it one of the best survey sites for people outside the United States.

You can create a free account to participate in private panels, online surveys, focus groups, clinical trials, in-home usage tests, mystery shopping studies, and more.

Plus you get a $5 sign up bonus!

They have easy payment options, including Amazon gift codes, checks, and PayPal. In addition, the $20 cash-out minimum is easy to reach.

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GrabPoints Sign-Up Bonus)

($5 Sign-Up Bonus)

GrabPoints Summary

  • Average earnings of $1 per survey
  • 9 different options for cashing out
  • Low withdrawal threshold of just $3
  • Quick turnaround time for payouts

GrabPoints members help Fortune 500 companies improve their products and services, and, in exchange for their valuable opinions and time, they receive rewards.

Signing up is pretty simple, and the great thing about GrabPoints is that they accept almost everyone worldwide aged 13 and up. Right now they are offering $5 to anyone who joins.

Being able to redeem points for PayPal cash or Amazon gift cards starting at just $3 (3,000 points) is a reason to consider GrabPoints.

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Stash Invest Sign-Up Bonus

($5 Sign-Up Bonus)

Stash Summary

  • Start investing from as little as $5
  • Buy fractional shares from just 0.05%
  • Low monthly fee of just $1 for beginners
  • Free insurance coverage of up to $10,000

The Stash Invest app helps you easily invest in stocks with as little as $5. Stash also provides feedback on your milestones along the way to help you build solid investment habits.

You must create an account and invest at least $5 via your bank account to qualify for the sign-up bonus. Your $5 bonus will be credited to your new Stash Invest account within three working days.

You can use your bonus funds to make investments through the app or withdraw the funds after a 90–day waiting period.

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Panda Research Sign-Up Bonus

($3 Sign-Up Bonus)

PandaResearch Summary

  • Earn up to $50 for a single survey
  • Refer friends & get 10% of their earnings
  • Surveys are short and easy to complete
  • Earn extra cash from reading Panda Mail

Panda Research is a survey site that pays you to take online surveys, participate in focus groups, and read emails.

Complete the sign-up process to earn $3. Then you’ll be on your way to earning $3 to $75 for every survey or offer completed. Plus, you will earn money faster by referring your friends to the site.

Therefore, you can quickly turn your $3 bonus into a good amount, then withdraw it via PayPal once you reach a minimum of $25.

highest paying survey sites

Personal Capital Gift Card

($20 Amazon Gift Card)

Personal Capital Summary

  • Get a 360 degree financial overview
  • 4 different tools to help you save better
  • Low fee for wealth management from 0.89%
  • 30-day cash flow transaction tracker

With Personal Capital, you’ll have all your financial information at your fingertips, allowing you to see your complete financial picture in terms of income sources, expenses, and investments.

To qualify for the $20 Amazon gift card, you’ll need to link this site to at least one active investment account containing a balance of more than $1,000, such as a 401(k) or IRA.

Drop Sign-Up Bonus

($5 Sign-Up Bonus)

Drop App Summary

  • Earn $10 from Drop Flash Deal offers
  • Get your reward within 3 days of redeeming
  • Earn up to $50 from referring friends
  • 5 different ways to earn rewards

The free Drop app turns your everyday purchases into cash rewards when buying fresh food from Freshly, groceries at Safeway, or taking an Uber to work.

Download the Drop app from the website, follow the prompts, and link your credit or debit card to unlock your $5 sign-up bonus (5,000 bonus points).

You can instantly redeem your bonus for a gift card for your favorite stores and brands, including Amazon, Starbucks, Nike, Walmart, Adidas, and many more.


Try Shopkick App

($5 Sign-Up Bonus)

Shopkick Summary

  • Sign up with promo code: DOLLARBREAK5
  • Get a $5 bonus by earning 25 kicks
  • Earn more than $1 from each store visit
  • Low minimum cash out amount of $2

The Shopkick app provides you with free gift cards just for scanning product barcodes in the store while you shop.

Download the free Shopkick app on your smartphone, scan the items required by the app, and earn points (kicks). Make the first kick within 7 days and receive a $5 sign-up bonus.

Once you’ve collected enough kicks (most rewards are 250 kicks = $1!), exchange them for gift cards for popular retailers, including Amazon, Target, Sephora, Best Buy, and Walmart.

Join BeFrugal

($10 Sign-Up Bonus)

BeFrugal Summary

  • Guaranteed to have the highest cashback
  • More than 5000 stores to get cashback
  • Over 5 different ways to get rewards
  • 6 different ways to cash out your earnings

BeFrugal offers cashbacks and exclusive coupons and deals from over 5,000 stores, and you receive an instant $10 bonus for signing up.

Their coupon guarantee stands out. When you order through BeFrugal and your discount doesn’t work, contact them within 24 hours, and they’ll credit your account with $5 after they verify a problem has occurred.

BeFrugal has a minimum payout requirement of $25, which will be remitted ten business days after your request. They’ll send your payout via your preferred method: PayPal, gift card, check, or direct deposit.


best cashback sites Referral Program

($50 for Referring a Friend)

Rover Summary

  • 6 different ways to earn money available
  • Get up to $25,000 pet care coverage
  • You get to decide how much to charge
  • 24/7 support, Including vet assistance

Using Rover, you can translate your love for dogs into extra money for your next vacation or even turn it into lucrative full-time gig. How? By walking dogs and pet sitting in the dogs’ homes.

Do you know a friend who would make a great dog walker or pet sitter?

Refer them to Rover, and you’ll earn a $50 Visa gift card after they become a sitter and complete a stay in their first 90 days.

You’ll receive the gift card via email approximately 30 days after a booking is confirmed.

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Qmee Sign-Up Bonus

($0.5 Sign-Up Bonus)

Qmee Summary

  • Most surveys pay up to $1
  • App for Android and iOS
  • No minimum payout for PayPal
  • Payouts are immediately processed

The free Qmee browser extension earns you cash while you search your favorite sites. It also offers online surveys to boost your earnings as you engage with your favorite brands.

Install the Qmee extension on Chrome or Firefox when prompted after you log into your account.

When you check your Qmee account, you’ll see an additional $0.50 that you can cash out immediately via PayPal, as there’s no minimum cash-out amount on Qmee.

Qmee is only available in the United States, Canada, and the UK.

amazon gift card survey

Topcashback Sign-Up Bonus

($15 Sign-Up Bonus)

TopCashback Summary

  • Get 100% of all the cash back you earn
  • No minimum threshold to cash out
  • Earn cash back at over 4400 partner stores
  • Earn up to 25% cash back and discounts

Topcashback nets you cashback from over 4000 online and in-store retailers. They pay up to 100% of purchases and have the highest cashback rate around.

They are currently offering a $15 sign-up bonus once you have earned $10 in cashbacks. The cashbacks and bonus are paid into the linked account you used when signing up.

To cash out in the future, go to “account” at the top of the page and click Payout to redeem any amount via a Visa Prepaid Card, PayPal, or Amazon gift card.

They also add a 3% bonus to your withdrawal amount if you choose the gift card option in order to sweeten the deal.


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Dosh Cash Back Sign-Up Bonus

($1 App Sign-Up Bonus)

Dosh Summary

  • Data is secured with 256-bit encryption
  • $10 sign up bonus for new members
  • Get $10 for each friend you refer
  • Over 100,000 places to get cashback

Dosh Cash automatically gives you up to 10% back when you make purchases at merchants such as Sally Beauty, Walgreens,, Sam’s Club, Nike, Home Depot, Staples, Walmart, and more.

Dosh will pay you $1 once you link your first debit or credit card to the app. Plus, you will also receive $5 for every additional card you add and $5 for each friend who signs up and links a verified card.

Transfer your cash to PayPal, your bank account, or donate to charity from the app once you reach an account balance of $25.


Ibotta Welcome Bonus

($10 Welcome Bonus)

Ibotta Summary

  • 2 ways to earn – app or browser extension
  • Earn up to 30% cash back on purchases
  • Get a $5 bonus by referring friends
  • Over 1500 stores you can earn cash back at

Ibotta helps you earn cashbacks when you shop for groceries, clothing, and more both in physical stores and online. Take pictures of your receipts or scan them into the Ibotta app to receive your cashbacks.

Ibotta will slide a $10 bonus into your account after you sign up and redeem your first $20 in cashbacks. Cash the $20 out via PayPal or Venmo.

Alternatively, you can select a gift card from Best Buy, Amazon, Starbucks, Sephora, Walmart, Cabela’s, Express, Aeropostale, Regal, or iTunes once your account balance reaches $25.

Caddle Sign-Up Bonus

($1 Sign-Up Bonus)

Caddle Summary

  • App is free to use
  • Offers are clearly defined and the conditions and limitations are stated for each survey, offer, or coupon
  • Offers and other actions are renewed every Thursday, making it convenient and predictable for the users
  • Most partners Caddle has are popular stores in Canada that are often visited by the public

Caddle is a Canadian cashback app that allows you to save money on your groceries, general shopping, and dining out.

In addition, you can also make money by answering short surveys, watching videos, writing reviews, and engaging with brands.

Sign up for Caddle for FREE and get a $1 bonus! You only need an e-mail address to quickly and easily to become an exclusive member of Caddle.

When you reach $20 or more in your account, you can cash out, and they will send you a check in the mail.


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Groupon Referral Program

($10 for Referring a Friend)

Groupon Summary

  • It helps in saving money, you can save up to 30%
  • Easy to join
  • It sends an email detailing the deal of the day to its subscribers
  • It can be found in about all the major cities in Canada and the US



Groupon lists thousands of local daily deals for restaurants, spas, airport parking, goods, and getaways. You will find a variety of daily deals on electronics, apparel, health and beauty items, and more in their goods section.

Customers earn $10 in Groupon Bucks whenever they refer a friend and that friend buys their first item. Also, register for their newsletter and get an additional 25% off Groupon promo code for your first purchase.


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PaidViewPoint Sign-Up Bonus

($1 Sign-Up Bonus)

Paidviewpoint Summary

  • Majority surveys are worth $0.03 up to $1
  • Earn up to $25 for each person that you invite to the platform
  • Operates on $ amounts (not points)
  • Processes payments within 72 hours

PaidViewPoint pays members for completing short 5- to 10-minute surveys that have mostly multiple-choice answers.

If you want to earn more, complete more surveys to build up your trait score. A higher trait score means more surveys for you and more money per survey.

This one’s an easy $1 just for signing up. You can cash out via PayPal once you have at least $15 in your PaidViewPoint account balance.

sites like paidviewpoint Bonus

($5 off for First Order)

Raise App Summary

  • Sell partially used gift cards
  • Save money on gift cards
  • Easy to use app
  • Access discount codes

Raise is a marketplace for gift cards where you can sell unwanted gift cards for cash at the price you choose or buy discounted gift cards for up to 90% off.

You can find discounted gift cards for stores such as Target, Home Depot, and Macy’s. Search by brand, category, or value, and add your selections to your shopping cart to check out.

Sign up via the link below, and you will receive $5 off when you place your first order.

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Join Raise

($5 Sign-Up Bonus)

Raise App Summary

  • Sell partially used gift cards
  • Save money on gift cards
  • Easy to use app
  • Access discount codes

Raise is a gift card exchange that enables you to safely and securely buy discounted gift cards for up to 35% off.

You can also sell unwanted gift cards that you received as gifts for up to 92% of their value.

Current members receive a $5 bonus for each friend they refer to the site.


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PointClub Sign-Up Bonus

($5 Sign-Up Bonus)

PointClub Summary

  • You get a $5 bonus when you sign up
  • No shortage of surveys to complete, as well as other opportunities to earn
  • Get compensated even when you don’t qualify for surveys
  • Fast payment – get your reward within 72 hours

PointClub rewards you with points for completing online surveys. You’ll earn around 90 points per survey, which you can exchange for cash or Amazon gift cards.

Confirm your email address to get 1000 free points, which is equivalent to a $5 sign-up bonus.

Once you have amassed 25,000 points ($25), you can request a gift card from over 80 different stores, such as Amazon, Home Depot, Walmart, and Macy’s, or PayPal cash.


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OpinionSite Sign-Up Bonus

($3 Sign-Up Bonus)

OpinionSite Summary

  • Get a $3 sign-up bonus
  • Earn $0.1 to $1.5 per survey
  • Low minimum withdrawal threshold of $10
  • Get paid via check, PayPal, or gift cards

Opinion site influences market trends and consumer products through the opinions of its user base and does so in exchange for various rewards from companies. It’s available only in the United States.

You will receive $3 just for registering and completing your profile.

You can withdraw cash payouts every 1,400 points ($10). Members can withdraw their rewards regularly depending upon the number of surveys they’ve managed to complete.

Payment by check is the only cash-out method they use.


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TreasureTrooper Sign-Up Bonus

($5 Sign-Up Bonus)

TreasureTrooper Summary

  • Get a $1 sign-up bonus
  • Earn 20% of what your referrals earn and 5% from your second-level referrals
  • Various payout options – PayPal, Check, gift cards, and physical product rewards
  • Request instant payouts for an additional fee of $0.5

TreasureTrooper is a free service that provides money-earning opportunities worth $0.50 to $50 in the form of completing surveys, playing games, and referring friends.

Sign up for TreasureTrooper and get a $5 sign-up bonus! You’ll receive payment via PayPal once you’ve reached a minimum balance of $20.


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Seated Cashback

(30% Cashback)

Seated provides you with a 30% cashback every time you dine out at one of the restaurants on their curated list of the city’s best restaurants. Plus, Seated rewards you with gift cards worth $20 to $60 for every restaurant reservation you make through the app.

You can redeem your Seated dollars for gift cards or dining experiences at various restaurants.


Qapital Sign-Up Bonus

($10 Sign-Up Bonus)

Qapital is a banking app that automatically saves money towards your financial goals, makes investments, and manages your everyday spending.

You will get a $10 Qapital sign-up bonus as soon as you make your first deposit and link you checking account to the app for future withdrawals. You’ll also receive a $10 bonus for each friend you refer.

Withdraw your money at any time to be placed back into your checking account or continue to save toward your goals.


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Wealthsimple Sign-Up Bonus

($50 Sign-Up Bonus)

Wealthsimple is an online professional investing service doing business in the United States, the UK, and Canada. Wealthsimple invests in stocks and bonds – both local and international. It’s best for people who regularly contribute to their investments and those who invest long-term.

You’ll receive either an exclusive $50 Bonus or $10,000 managed for free (but not both) if you deposit at least $100 directly into your new Wealthsimple account.


Affinityy Sign-Up Bonus

($20 Sign-Up Bonus)

Affinityy helps you get cashback on your everyday online purchases of groceries to electronics and everything in between. With each store that’s listed, you’ll see the amount of cashback that you’ll receive for your purchase in three categories:

  • Shop at stores – up to 15%
  • Get a Personal loan – earn $100
  • Buy a House – up to $5000

To help you get started, Affinitty gives you a $20 sign-up bonus. You’ll receive your money via PayPal or check when you reach a minimum of $50 in your account.


Amazon Shopping App Gift Card

($5 Amazon Gift Card)

Amazon wants you to discover how easy it is to shop anytime, anywhere with the Amazon Shopping App and your existing Amazon account.

You can use the app in stores to scan an item’s barcode and see if you can get a better deal on Amazon.

They’ll give you a $5 Amazon Gift Card just for signing up for the app.


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Join Capital One

($25 Sign-Up Bonus)

Capital One is one of the top 10 banks in the United States.

New customers earn a $25 bonus for signing up for a Capital One 360 Checking or Savings account.

To qualify for the $25 bonus, you have to open an account with a $250 initial deposit. Your bonus will then be automatically deposited into your account within 50 days.

Capital One

Checkout 51 Sign-Up Bonus

($5 Sign-Up Bonus)

Checkout 51 is a popular grocery cashback app in Canada and the United States.

The amazing thing is that Checkout 51 allows you to combine its offers with other cashback offers, coupons, or discounts from other coupon clipping services unless otherwise stated.

In addition to getting money back from grocery shopping, Checkout 51 also gives you a $5 sign–up bonus and $10 for every friend you refer through their referral program.

Once your balance reaches $20, you’ll see a cash-out option on your profile menu. Select the PayPal or check option.

Checkout 51

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Cricket Wireless Referral Program

($25 from Referral Program)

It’s a prepaid wireless service provider in the United States offering voice, data, and text. It’s owned by AT&T and offers a reliable, friendly budget service with no long-term commitments.

Through their referral program, they’ll give you $25 for getting a friend or family member to sign up for Cricket. First, download the Cricket Rewards App and sign up for rewards. Then tap the “refer a friend” button to invite your friend to join Cricket through Facebook, email, text, or Twitter.

The lowest plan costs $25 a month (talk and text only), so you earn a free month of service every time you bring a friend on board.

Cricket Wireless

Daily Rewards Sign-Up Bonus

($5 Sign-Up Bonus)

Daily Rewards is a get-paid-to website based in Canada, and it is recognized by Inc. 5000 for its outstanding growth. On this site, you are paid for completing minor tasks such as filling in surveys, playing games, and watching videos.

Daily Rewards is free to join, and you also get $5 just for signing up. You can cash out via PayPal once your balance reaches $30 or more.

Daily Rewards

work on demand side hustles Credit

($7 Credit for the Order)

Are you hungry? Then head to which is a popular food delivery app that also offers additional services such as groceries, alcohol, dry cleaning, and laundry.

New users anywhere in the world can now get a $7 credit for their first order of $15 or more, excluding taxes, tips, and fees.

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Dobot Sign-Up Bonus

($5 Sign-Up Bonus)

Dobot is a free, simple financial app that helps you save money towards your financial goals with no fees.

Here’s how it works:

Create goals, such as a vacation, paying off a student loan, a home improvement project, or anything else, and Dobot will automatically set aside savings amounts to help you reach your goals.

Download the app to receive a $5 sign-up bonus once you link the app to your checking account and set your goal.


ExtraBux Bonus

(Up to $20 Bonus)

ExtraBux gives you up to 30% cashback for shopping online from any of 10,000 stores.

In addition, ExtaBux has a coupons category, which has daily deals such as 50% off a gym membership or $50 off when you spend $250 at IKEA.

Once you sign up, you’ll get 4 $5 bonuses every time you earn $25 in cashbacks which you can then cash out via PayPal or check.


Download the Metal Pay App

($6 Sign-Up Bonus)

Metal Pay is a blockchain processing platform that enables you to send and receive money using a phone number or one of your other means of contact.

Plus, you’ll earn cryptocurrency bonuses of up to 5% of the transaction value whenever you pay someone or receive funds.

Create your free Metal Pay account and verify your identity to receive Metal cryptocurrency worth $6. You can instantly transfer this $6 to your bank account.

Metal Pay

Coupon Cactus Sign-Up Bonus

($3 Sign-Up Bonus)

CouponCactus offers coupons for over 3,700 stores, helping you save money every time you shop online. In order to provide an excellent customer experience, a real person is available to respond to any questions you have via a live feed chat.

Coupon Cactus is offering a $3 instant sign-up bonus for new Coupon Cactus members. The $3 bonus will instantly appear in your new account under the cashback transactions category.

Once your account reaches a balance of $10 or more, you will be paid quarterly through PayPal or a check.


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Join Cash4Offers

($5 Sign-Up Bonus)

Cash4Offers pays you for taking surveys, reading emails, and participating in free trial offers worth up to $20. Plus, they have daily offers you can take them up on to make more money.

First, you receive a $5 sign-up bonus just for joining. Then you earn $0.01-$0.05 per email you read and $20 to participate in free trial offers. Also, paid surveys are worth about $1 each.

To cash out via check or PayPal, you must have a minimum balance of $35, of which $25 must come from surveys.


DollarDig Sign-Up Bonus

($2.50 Sign-Up Bonus)

Dollar Dig is a cashback website covering over 3,250 stores that is available in the United States and Canada.

You’ll receive your $2.50 sign-up bonus as soon as you confirm your email address. Once you have accrued $25 in cashbacks, you can cash out via PayPal, Dwolla, or check.

Dollar Dig

Get Free Money Today

Luckily, all businesses want more customers and are often willing to entice them. Many of them offer cash bonuses for signing up in the hopes that you’ll find their services valuable and stick around.

Give a few of them a try. It’s not a steady income, but it sure can help if you need money today. Start with the easy ones, then work your way up to the ones that require more time.

These little tasks can help you with your finances and allow you to enjoy life a little more.

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