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Best Signup Bonuses and Referral Offers

The Best Financial Bonuses & Rewards

From cashback and signup offers to free stock, crypto, and limited-time rewards — discover the latest bonuses across banking, investing, credit cards, and more.

Find the Best Financial Bonuses Right Now

Banking, investing, credit cards, and more — updated offers you can actually use.
Claim a Bonus Today

Looking for Smile Money Picks? Check our Featured Deals or explore the marketplace.

Featured Bonuses You Can Claim Now

Hand-picked offers from trusted partners. These are some of the easiest ways to earn cashback, free stock, or welcome rewards today.

Get $100 in Stock

Deposit $1000+ for $100 stock of your choice. New accounts only.
Claim Offer

Get Up to $1000 in Stock

New customers of MFI who have not made a deposit before.
Claim Stocks

Get Your $50 Bonus Today

Get $50 bonus when you spend $50. New user welcome offer.
Claim Bonus

Browse By Bonus Type

Looking for something specific? Explore all kinds of offers — whether you want free crypto, a referral bonus, or a loyalty reward.

Welcome & Signup Bonuses

Investing Free Stock Offers

Banking Direct Deposit Offers

Cashback & Loyalty Rewards​

Free Crypto Bonuses

Referral Bonuses

How to Choose the Right Bonus for You

Not all bonuses are created equal. Some reward you with instant cashback, others with stock, crypto, or perks over time.

Here’s what to look for:

  • Eligibility: Are you a new customer or existing?
  • Requirements: Direct deposits, spending minimums, or referrals.
  • Value: Weigh the bonus against fees, interest rates, or account benefits.
Best Apps offering free stocks

Transparency Matters

We update this page regularly to keep offers accurate. Some links are from partners, which helps support phroogal at no cost to you. Always confirm terms with the provider before signing up. Learn how we earn to fund our financial wellness mission here.

All Current Bonuses

Explore every offer we’ve collected — cashback, free stock, crypto, trials, referrals, welcome gifts, and more. Use the search and filters to find exactly what fits your goals.

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Bonus Offers and Rewards FAQs

What’s the difference between a bonus and a deal?

A bonus gives you something extra back (cash, stock, crypto, or rewards) when you sign up, deposit, or engage. A deal helps you save money upfront (like free trials, discounts, or waived fees).

Some are ongoing (like cashback rewards), but many are limited-time promotions. Always check the provider’s terms for expiration dates or eligibility.
Many bonuses are for new users only (signup or welcome offers). Others, like loyalty or referral bonuses, are designed for existing customers.
Sometimes, yes. For example, you might get a free trial and a signup bonus. But it depends on the provider’s rules.
You’ll only receive a bonus if you meet the eligibility requirements (like making a deposit, using a referral link, or hitting a spending minimum).
We highlight partner offers directly in product pages. Other bonuses are listed here so you can still discover them, even if we don’t have a partnership.
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