Sign-up bonus calculator
Use this calculator to see what you actually keep from sign-up bonuses. Tick offers, add any fees, and it shows the total bonus, the money you must deposit or spend, and your net. With every offer ticked, fixed bonuses total $753, needing about $3,240 in deposits, trades and card spending.
How does the bonus calculator work?
Pick whether to count each offer's fixed amount at its smallest step or its top tier. Filter for offers with no deposit or no direct deposit, or by category. Type any fees you expect, like trading spreads, a membership fee or an annual fee, and the net updates.
| Pick | Program | Bonus | Qualifying steps | Cash needed | Fees |
|---|---|---|---|---|---|
| Gemini Exchange | $50Cash, crypto or stock | Trade at least $100 in your first 30 days. U.S., Hong Kong and New Zealand.Requirement categorySmall deposit or buy ($100 or less) | $100 / $100 | Enter with JavaScript on | |
| SoFi Crypto | $25Cash, crypto or stock | Open SoFi Crypto and make one $25+ purchase in 30 days. $25 SOFID bonus.Requirement categorySmall deposit or buy ($100 or less) | $25 / $25 | Enter with JavaScript on | |
| Coinbase | $20Cash, crypto or stock | Buy $15 of any crypto. $20 in Bitcoin; new U.S. users.Requirement categorySmall deposit or buy ($100 or less) | $15 / $15 | Enter with JavaScript on | |
| Jupiter Mobile | $20Cash, crypto or stock | Spend $1,000 on Jupiter Card within 30 days of activation. $20 in USDC Rewards balance.Requirement categoryCard approval or card spend | $1,000 / $1,000 | Enter with JavaScript on | |
| Binance.US | $10Cash, crypto or stock | Advanced Verification, then buy or trade $100 in 30 days. Not in every state; 30-day withdrawal hold.Requirement categorySmall deposit or buy ($100 or less) | $100 / $100 | Enter with JavaScript on | |
| River | $5 to $100Cash, crypto or stock | Buy $100 of Bitcoin ($5); $1,000 (+$15); $10,000 (+$80) within 180 days. Bank-funded Bitcoin buys only.Requirement categorySmall deposit or buy ($100 or less) | $100 / $10,000 | Enter with JavaScript on | |
| Crypto.com | $5 to $75Cash, crypto or stock | Trade $100 in 30 days after KYC ($5); $5,000 for $75. Can't combine with the Welcome Bonus.Requirement categorySmall deposit or buy ($100 or less) | $100 / $5,000 | Enter with JavaScript on | |
| Ledger | $5 to $20Cash, crypto or stock | Buy an eligible Ledger device ($5 Nano S Plus/X, $10 Gen5, $20 Flex/Stax in BTC). Device price not listed on our page.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Kraken | up to $300Cash, crypto or stock | Verify ID, then complete the app's fiat deposit and trade steps. Up to $300; deposit size not stated on our page; commonly excludes ME, NY, WA.Requirement categoryDeposit + trade (size not stated) | — / — | Enter with JavaScript on | |
| Public | $100Cash, crypto or stock | Get approved and make a first one-time deposit of $1,000+. $100 in a stock or ETF; claim in 30 days; keep it 12 months.Requirement categoryLarger deposit ($1,000) | $1,000 / $1,000 | Enter with JavaScript on | |
| Chime | $100Cash, crypto or stock | One $200+ direct deposit within 45 days, then activate the card within 14 days. Never had a Chime Checking Account.Requirement categoryDirect deposit | $200 / $200 | Enter with JavaScript on | |
| SoFi Checking & Savings | $25 to $325Cash, crypto or stock | Deposit $50 in 25 days ($25); $5,000 or $25,000 held 90 days for $100 or $300 more. Venmo, Zelle, Cash App transfers don't count.Requirement categorySmall deposit or buy ($100 or less) | $50 / $25,000 | Enter with JavaScript on | |
| SoFi Invest | $25Cash, crypto or stock | Open Active Investing and fund it with $25+. $25 in stock.Requirement categorySmall deposit or buy ($100 or less) | $25 / $25 | Enter with JavaScript on | |
| Cash App | $10Cash, crypto or stock | Link a debit card or bank and send $5 within 14 days. New U.S. users.Requirement categorySmall deposit or buy ($100 or less) | $5 / $5 | Enter with JavaScript on | |
| Novig | $50App or trading credit | Deposit $10+. $50 Trade Credits; 21+; not in AZ, NV or MI.Requirement categorySmall deposit or buy ($100 or less) | $10 / $10 | Enter with JavaScript on | |
| Polymarket US | $25App or trading credit | Sign up with the code and deposit $10+. $25 promo trading credit; up to 50 referral bonuses on our code.Requirement categorySmall deposit or buy ($100 or less) | $10 / $10 | Enter with JavaScript on | |
| Chase Freedom (one card) | $200 to $250Cash, crypto or stock | Get approved, then spend $500 in 3 months (Unlimited $200, Flex $250). $0 annual fee; no bonus on that card in the past 24 months; we count one card.Requirement categoryCard approval or card spend | $500 / $500 | Enter with JavaScript on | |
| Amex Blue Cash Preferred | up to $300Cash, crypto or stock | Get approved, then spend $3,000 in 6 months. Personalized offer, many show as high as $300; $0 intro annual fee, then $95.Requirement categoryCard approval or card spend | $3,000 / $3,000 | Enter with JavaScript on | |
| Freecash | $10Cash, crypto or stock | Start a first task, offer or game. $25 withdrawal minimum; email/ID verification.Requirement categoryNo deposit or purchase | $0 / $0 | Enter with JavaScript on | |
| Honeygain | $3Cash, crypto or stock | Join with the invite. $3 welcome gift; $20 payout threshold.Requirement categoryNo deposit or purchase | $0 / $0 | Enter with JavaScript on | |
| Postmates | $20Order discount | First-time user; delivery orders. "$20 off your next 2 delivery orders"; we count $20 total.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Gopuff | $15Order discount | First order (order minimums can apply). $15 off.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Waymo | $10Order discount | First ride. $10 off; code capped at 10 uses a month (resets Dec 1).Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Lugg | $10Order discount | First Lugg move or delivery. $10 off.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Whatnot | $10 to $200App or trading credit | Sign up and verify a phone; credit applies to an order subtotal. Random $10–$200 credit; about 95% get under $20; may expire in 90 days.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Instacart | up to $40Order discount | First two $35+ orders. Up to $40; amounts may vary.Requirement categoryFirst purchase or order | $70 / $70 | Enter with JavaScript on | |
| Thrive Market | up to $30Order discount | Join (paid membership) and place a first order. 40% off, max $30; membership $59.95/yr at renewal.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on | |
| Mercari | up to $20App or trading credit | Follow the steps Mercari shows in the app. Up to $20.Requirement categoryFirst purchase or order | — / — | Enter with JavaScript on |
What counts as money tied up?
- Deposits (SoFi, Public, Polymarket US, Novig) stay in your account but may need to sit there for a set time.
- Trades (Gemini, Coinbase, River, Crypto.com, Binance.US) turn cash into crypto, which can lose value.
- Direct deposit (Chime) means routing $200+ of pay to the account.
- Card spend (Chase Freedom, Amex, Jupiter Card) only makes sense for purchases you would make anyway. Pay the card in full; interest wipes out a bonus fast.
Which fees should I enter?
The program pages list the known ones: Amex Blue Cash Preferred is $0 the first year, then $95. Thrive Market is a paid membership ($59.95 a year at renewal; first-time annual members can cancel within 30 days for a full refund). Crypto buys can carry spreads or trading fees that vary by app. If you are not sure, leave it at $0 and check the app before you pay.
What are the totals by requirement?
| Requirement | Offers | Fixed minimum | Top tier / up to | Programs |
|---|---|---|---|---|
| No deposit or purchase | 2 | $13 | $13 | Freecash, Honeygain |
| Small deposit or buy ($100 or less) | 11 | $250 | $715 | Gemini Exchange, Coinbase, River, Crypto.com, Binance.US, SoFi Crypto, SoFi Checking & Savings, SoFi Invest, Cash App, Polymarket US, Novig |
| Larger deposit ($1,000) | 1 | $100 | $100 | Public |
| Direct deposit | 1 | $100 | $100 | Chime |
| Card approval or card spend | 3 | $220 | $570 | Jupiter Mobile, Chase Freedom (one card), Amex Blue Cash Preferred |
| First purchase or order | 9 | $70 | $365 | Ledger, Gopuff, Postmates, Instacart, Waymo, Lugg, Thrive Market, Whatnot, Mercari |
| Deposit + trade (size not stated) | 1 | $0 | $300 | Kraken |
| Total | 28 | $753 | $2,163 |
What else should I know?
Is the bonus calculator saved or tracked?
No. It runs in your browser and nothing you tick or type is saved or sent. The site separately counts cookie-free page views and link clicks.
What is the net value of all sign-up bonuses?
Before fees, the fixed bonuses add up to $753. Your net is that minus any fees you pay, such as a membership, an annual fee or trading costs. Enter them in the calculator to see your figure.
Which bonuses need no deposit at all?
Only Freecash ($10 after starting a first task) and Honeygain ($3 welcome gift), for $13. Both need you to reach a payout minimum ($25 and $20) before you can cash out.
Which bonuses need no direct deposit?
All of them except Chime. SoFi Checking & Savings accepts ACH, debit card funding and other deposits, but not Venmo, PayPal, Cash App or Zelle transfers.
Does the calculator include taxes?
No. Some bonuses can count as taxable income. Check with a tax professional if you claim a lot of them.
Some links are referral links.
Related: How much can you earn from sign-up bonuses? · Sign-up bonuses with no deposit · Your first $100 from sign-up bonuses · Sign-up bonuses this month (November 2026) · Which app is right for me?
Plan with evidence: bonus stacking chart · referral bonus state and age lookup. Unknown rules are marked Not stated.