Free $20 Credit When you Sign Up (Top Offers for 2025)

Looking for a free $20 credit when you sign up? These app bonuses will give you free money when you sign up or download its app.

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Who doesn’t love free money? In 2025, making extra cash is easier than ever, thanks to apps that reward you just for signing up. Whether you're looking to pad your wallet with a quick $20 credit or dive into apps offering even bigger bonuses, these opportunities are too good to miss.

With millions of people searching for terms like “free money apps” and “sign-up bonus instant withdrawal,” it’s clear that app bonuses are a hot trend. But not all sign-up offers are created equal, and finding the ones that actually pay can feel like finding a needle in a haystack.

That’s where this guide comes in. We’ve compiled the best apps offering real money rewards—some with instant withdrawal options—so you can start earning without the guesswork. Ready to turn a few taps on your phone into a quick $20? Let’s get started!

How to Score a Free $20 Credit Just for Signing Up in 2025

1. Acorns App – Automatic Investing – $5 $20 Bonus

acorns homepage

Acorns Bonus Link – Acorns can help you invest, save and spend responsibly for just $3 per month. Get a $5 $20 bonus investment when you sign up and set up recurring investments.

Acorns is one of the most popular micro-investing platforms. Acorns lets you turn your spare change into investments by stacking up your change over time and with the Acorns “round-up” feature.

With Acorns, you can invest at your own pace in smart portfolios and maximize your growth and costs $3 per month.

Acorns also provides a checking account that has many of the features of a traditional bank account including, direct deposit, mobile check deposit, a debit card for you or your kids.

Additionally, they offer fee-free withdrawal from over 55,000 Allpoint ATMs around the world.

Sounds like fun? Sign up for Acorns, collect your $20, and double your money by investing.

You can also get a registration bonus through here when you set up recurring investments.

Get your $20 bonus

2. Upromise – 529 College Savings – $30 Bonus

upromise bonus

Upromise Bonus Link – Sign up for Upromise and link a 529 account and get $30 instantly.

Upromise® is a free service with a mission to help families save for college. Upromise provides unique opportunities for consumers to earn cash-back rewards for shopping, dining out, and using the Upromise Mastercard.

Families have saved over $1 Billion for college using Upromise and they currently have a $30 sign up bonus offer for new members. You can join Upromise for free a receive a $5.29 bonus when you sign up and $30 when you link a 529 plan.

What to do:
  • Go to the Upromise registration page.
  • Enter your email address and create a password.
  • Confirm your email address to get $5.29
  • Link a 529 account to get $30 instantly

Claim $30 Upromise bonus

3. Swagbucks – Rewards App – $10 Bonus

swagbucks app bonus

Swagbucks $10 Bonus Link – Earn cash and gift cards on Swagbucks by completing tasks. Get the bonus by spending $25+ in the app's cash back section.

Swagbucks offers a variety of ways to earn money online. You can take surveys, play games, surf the web, watch videos and more to earn points towards gift cards or cash.

Here you can earn a special currency called Swagbucks for completing offers, answering surveys and logging online activity. You can redeem the currency for gift cards or cash rewards once you’ve accumulated enough.

They offer a $10 sign up bonus through here for new users. To claim the bonus, just spend at least $25 on a single purchase from an eligible merchant. It's similar to other cash back offers.

Claim $10 Swagbucks bonus

4. Discover – Cash Back Credit Card – $100 Bonus

discoverit bonus

Discover it Bonus LinkApply for the Discover it card. If approved, you will get a $100 $50 statement credit after you use your card in the first 3 months.

Looking for easy sign up bonuses? One of the best ways to make some serious extra cash is to take advantage of credit card signup bonuses.

My favorite card with the best credit card rewards is the Discover it® credit card which has no fees at all. Plus, you can earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.

discoverit

You can also get a 0% Intro APR for 15 months on purchases and balance transfers, so if you have any credit card debt with high-interest rates, it’s worth switching over so you save on interest. Then you can find ways to pay off the credit card debt while saving on interest.

Also, this card is beneficial if you wanted to claim a $100 bonus after you make any purchase with your new Card in your first 3 months. Signup and earn $100 back in the form of a statement credit.

Click here to apply and get a $100 bonus!

Get Discover $100 bonus

5. Cash App – P2P Payments and Money Transfers – $5 Bonus

cash app referral code

Cash App Bonus Link – Install it, use it and get $5 for free.

Cash app is a free digital wallet for all the people who need to make transactions or payments. It is a very simple way to send money to anyone you want and without paying any money transferring fee. It's similar to Venmo and PayPal and is a super-easy way to send cash to your friends and family.

They offer a $5 signup bonus just for downloading the app and using it.

You'll earn a $5 bonus when you download the Cash App, register a new account, and send your first $5 within 14 days with a linked debit card. You'll need to use a current member's referral link for the offer.

Use Cash App and score $5

6. Survey Junkie – Survey App – $5 Bonus

survey junkie app bonus

Survey Junkie Bonus LinkMake up to $5 per survey in your spare time from home to take online surveys, participate in focus groups and try new products. Join Survey Junkie and get a $5 bonus.

Survey Junkie connects users with various market research companies looking for consumer opinions.

Survey Junkie has more than 20 million members and lets you earn cash through surveys, online shopping, and watching videos.

You can literally convert your activities into gift cards or PayPal funds.

Sign up, complete 5 surveys, and snag a $5 bonus. Plus, refer friends and earn 10% of their lifetime earnings!

Sign up for Survey Junkie now

7. Rakuten – Shopping Cash Back App – $30 Bonus

Rakuten App Bonus Link – Sign up for free, shop like regular and get $30 for free.

You'd be silly not to get cash-back for items you would have bought anyway. You can do this by shopping online with Rakuten.

Every time I shop online, I start at Rakuten and then I get cash back deposited into my PayPal account.

Rakuten is my favorite way to make money when I shop online and right now they are offering $30 app bonus through this link. You can save money with over 2,000 stores and when you use Rakuten to shop — you get cash back.

Click here to sign up for Rakuten and get $30 to start.

Claim $30 Rakuten bonus

Get a Free $20 Credit with These Sign Up Bonuses in 2025

If you're looking for easy ways to earn extra money in 2025, signing up for apps offering bonuses is a great place to start. Many of these apps provide free credits or cash rewards simply for signing up, and some even allow instant withdrawals!

These sign-up bonuses are among the most popular options for anyone wanting to boost their income by trying out new apps on their mobile devices. If you've been searching for ways to make money online, you’re not alone. Millions of people are hunting for quick and easy ways to earn, and app bonuses are a top choice.

Get started today and claim your bonuses while they’re still available!

Brian Meiggs
Hi, I’m Brian Meiggs! I’m a personal finance expert and founder of My Millennial Guide, here to help you build real wealth. With a background in finance, I’ve spent years guiding people on smart, practical ways to grow their money. For stock market beginners, I recommend Acorns. It’s a simple way to start investing with just your spare change, helping you steadily grow your portfolio over time without the need to actively manage it. And if you’re interested in real estate, check out Arrived and Fundrise. I use both myself—they make it easy to start investing in property without needing huge upfront capital. These platforms are perfect for anyone looking to add real estate to their investments for passive, long-term growth. I believe these tools are great for building a balanced investment portfolio, combining stocks and real estate for a solid approach to wealth-building. You can trust this advice—my work has been featured in major publications like Business Insider, Entrepreneur, The Wall Street Journal, Yahoo Finance, NASDAQ, Discover, Fox News, and MSN Money.

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