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How to Get Free Money – These 15 Companies Will Give You $1,823.40
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by - January 31, 2014 - 56 Comments

Who says there’s no such thing as a free lunch?

Every year businesses give away thousands of dollars in free money and gift cards as a way of promoting their websites/products. We’ve put together a list of 15 of them who will give you a ridiculous $1,823.40 in free cash right now.

Some of them are as simple as filling out a form and some of them take a bit more effort, but you can easily knock out all of them in a couple of hours.

Without further ado, here are the 15 companies giving out free money right now….


OptionsXpress1. Trade Stocks at OptionsExpress – FREE $73.15

Here’s another great way to make some free cash. This one is through OptionsXpress, a Charles Schwab affiliated brokerage house where you can trade stocks and options.

From now until December 31, 2014, OptionsXpress is offering new US customers a $100 bonus when you open an Individual or Joint account and make three trades. Now OptionsExpress charges $8.95 for each trade you make, so after making 3 trades, you’ll still be netting $73.15 in extra cash.  That’s like getting all of your transaction fees free AND earning $73 extra.  Sweet! Here’s how to do it…

1. Open a new Individual or Joint account (IRAs, other tax-exempt, linked, or shared accounts are excluded from this offer).

3. Make at least 3 trades within 12 months of account opening.

4. The $100 bonus will be deposited into your account within one month of meeting the terms and conditions of this offer.

Read more about it here: “Look! OptionsExpress is Giving Away a Free $100 to New Account Holders



2. Get Paid to Complete Tasks at InboxDollars.com – FREE $30.00

There are a number of sites on the web that will pay you to read advertiser’s emails, sign up for offers, and take surveys. I’ve tried about a million of them, but there are only a few of them that I would recommend. Inbox Dollars is one of those companies and I want to show you how I made $30 in a little over an hour completing offers on their site.

It’s free to join Inbox Dollars and best of all, they give you $5 just for signing up! Inbox Dollars just requires that you accumulate $30 in earnings before you can “cash-out” and they pay you by sending a check.

Some sample offers include one that asks you to sign up for a email newsletter from AMF Bowling. That pays 50 cents and takes about 15 seconds. Another offer asks you to sign up for a free account at Turbotax.com to earn $3.50. These are simple and there are nearly a hundred of them to choose from.

If you are interested in giving Inbox dollars a try, visit the sign-up page here to get started.

Read more about it here: “How to Make $30 Quickly with InboxDollars


Capital ONe 3603. Try Banking at Capital One 360 – FREE $50.00

About a year ago, Capital One took over ING Direct and started offering free online checking accounts. What’s even cooler is that they’ll give you $50 just to open one.

I’ve already got a checking account that I’m pretty happy with, but I don’t mind opening a second one for some free cash. :)

Here’s how to do it:

1. Open a free checking account with Capital One 360.

2. There’s no minimum deposit with this account, but you’ve got to make at least 3 purchases with your Capital One 360 debit card during the first 45 days of opening the account.

3. On the 50th day, Capital One 360 will deposit a free $50 in your account. Sweet! For those of you who aren’t familiar with Capital One 360, they are a pretty popular virtual bank that gives spectacular interest rates. It’s completely free to open and maintain an account with Capital One 360.

Go claim your $50 and take yourself out to lunch.

Read more about it here: “Free Money Alert: Get $50 from Capital One 360


NetSpend4. Open a Netspend.com Account – FREE $20.00

This is another easy $20 just for requesting a prepaid, reloadable card from Netspend. I’ve tested this one and over 200 hundred readers have cashed in on this, so you know it’s a good one.

1. Click HERE and ”Open a NetSpend account” for FREE.

2. You will receive your NetSpend “Visa” Debit card within 10 business days. Mine made it here in 4 days.

3. Once you receive the card, simply log into NetSpend and activate it.

4. In order to get the FREE $20, you’ll need to load the card with a minimum of $40.00 using PayPal, a bank account or one of the other many options.

5. Once you load the $40.00, NetSpend will add $20.00 to your available balance on the card. I confirmed this myself with my own card.

6. Go to the ATM and withdraw the $60.00 total from your card or spend the funds at your local store, online, or wherever you can use a credit card. Yes, if you withdraw the money via ATM or cash back, you’ll be hit with the $2.00 fee for a PIN transaction or a $2.50 ATM Fee (would only be $17.50 – $18.00 bonus in this case). But, you can avoid the fee by ACH transferring it for free back to your bank

Read more it here: “Free $20 Cash for Signing Up at Netspend


Online Shopping Cart5. Do Your Shopping via Ebates.com – FREE $10.00

The folks over at Ebates.com, the cash-back shopping site, are giving away $10 gift cards when you sign-up as a new member. You can choose either a $10 Target, Walmart, Macy’s, or Kohl’s gift card. You need to make a $25 purchase at any of the stores on their shopping list in order to qualify for the free gift card.

I certainly don’t recommend spending $25 just to get a $10 gift card, but if you have plans to buy something online anyway, I would definitely cash in on this… Especially if you’ve got a gift card from a birthday or Christmas that needs to be spent. Look at this as a way to get a little bit extra back on your purchase.

Some of the cash-back offers I use frequently include the 3% back on iTunes purchases, 1% back on Apple store purchases, and 3% back on Target purchases. But there are a ton of stores to pick from as well.

Read more about it here: “Get a FREE $10 Target Gift Card from Ebates.com



American Express Reward Credit Card6 – 10. Sign Up for a New Credit Card – FREE $1,425.00

One of the best ways for a Penny Hoarder to make some serious extra cash is to take advantage of credit card sign up bonuses.  Of course, to get the most benefit, you should have excellent credit, and you should routinely pay off your credit card in full each month so you’re not paying interest.  (After all, every time you pay interest, you’re losing some of the positive effects of the bonuses.)

Just recently I received over $1,300+ in credit card bonuses by selectively choosing new cards to apply for and use.  All I had to do was put my regular spending on the credit card over the course of a few months.

Barclaycard Arrival - $400 Signup Bonus

American Express Gold - $250 Signup Bonus

US Bank FlexPerks Card -  $175 Signup Bonus

Chase Sapphire Preferred Card - $400 Signup Bonus

Citi ThankYou Preferred Card - $200 Signup Bonus

For those of you wondering, here’s a great article on how to do this without hurting your credit score: How Opening and Closing Credit Cards Affects Your Credit Score

Read more about it here: “5 Credit Card Promotions That Made me $1,375


$25 bonus for opening an ira account

11. Take 5 Minutes and Open a Betterment.com Account – FREE $25.00

Betterment is a simple, online tool that allows anyone to invest in stocks & bonds without incurring transaction fees. It’s become pretty popular with small investors who want to start saving, but can’t afford the expensive fees you find at places like Etrade.com and Merrill Lynch. Plus, they’ll give you a free $25 just to signup!

1.) Open a free account at Betterment.com. The form takes about 90 seconds to fill out, so can literally do this while sitting in the doctor’s office or while watching television.

2.) You need to make an opening deposit of $250 or more within 60 days of opening your account. If you’re not ready to make a deposit right now, my advice is that you go ahead and fill out the Betterment promotion form today. You can always make the deposit later, but this way you’ll have the promotion locked in, just in case the promotion ends.

3.) Once you’ve deposited $250 (and waited 60 days), Betterment.com will deposit a FREE $25 bonus into your account. How easy is that? You can then withdraw your entire account balance or you can keep the $275 invested and earning interest with Betterment.

Right now this is USA only.

Read more about it here: “How to Make $25 While Sitting in a Waiting Room



12. Open an Account at Serve.com – FREE $50.00

Serve is American Express’s version of a prepaid, reloadable card and they are offering $50 when you open a free account, sign up for direct deposit and have two direct deposits put in your account. That’s a FREE $50 for about 5 minutes of work. Sweet!

And here’s a tip: You can direct deposit a number of things besides your regular paycheck. I like to keep my paycheck going to my primary bank account, but for bank bonuses, I use other sources of income to fund it. Try to think of another place that you get monthly income from. Do you get a social security check? Insurance check? Second job income? Mystery shopping payouts?  A number of the “paid-to-email” sites also offer direct deposit. I know that Fusion Cash does, because I get a nice cash-out from them on the 20th of every month.

Here’s a link to the promo page:     Serve.com $50 Bonus

Read more about Serve.com here: “How to Get a Free $50 from Serve.com


Walgreens Logo13. Transfer Your Prescription to a New Drug Store – $25.00

If you have a monthly prescription from your doctor, I’ve got an easy way for you to make $25 bucks a month…

Several of the national grocery and drug store chains have been know to run promotions where they will give you free cash or a gift card when you transfer a prescription to their store. For example, this month Walgreens is running a promotion where they will give you a $25 gift card for transferring a prescription to your local Walgreens.

You can usually find these coupons in your Sunday newspaper circulars or on coupon blogs like DealSeekingMom.com and MoneySavingMom.com.

If you can’t find a coupon for a specific location, ask your store manager if they’ll accept a competitor coupon. You can then take the Walgreens coupon (or another one that you find) and have your store match it. Lots of stores will do this including Publix and some Walmarts, CVS’s, and Rite Aids.

Read more about this trick here: “Here’s a neat trick to make $25/month if you have a prescription…


MySurvey14. Take a Few Surveys with MySurvey.com – $15

Most of you know that I hate survey companies. :)

There are so many scammy sites out there and often times taking a survey is little pay for a lot of work. However, one of the exceptions I make is with MySurvey.

They’re one of the oldest online survey companies and they have an A+ rating with the Better Business Bureau.

The reason I like MySurvey so much is that they pay you for even the surveys you don’t qualify for. You see, most survey companies make you take a “qualifying survey” before you are given access to the paid survey. And if you don’t meet the qualifications for that particular survey, you earn nothing (despite the fact that you spent 5 annoying minutes answering questions).

MySurvey is different – even if you aren’t given access to the full survey, they will stay pay you for answering the questions in the qualifying survey. Pretty cool, huh? Now, you’re not going to get rich answering surveys, but it can be a fun way to make an extra couple hundred dollars a year. Heck, I do them as I’m watching TV. :) Each survey pays differently, but on average I earn an extra $15/month for taking a few surveys.

Signup for MySurvey.com here. (USA only)

Read more about it here: “The 9 Best Survey Sites to Make Extra Money


MotifInvesting15.  Trade Stocks at MotifInvesting.com – FREE $100.25

Motif Investing is unique among online brokers, because instead of picking individual stocks, you invest in a cluster of stocks (usually 20 to 30) from a similar field.  Sort of like a mutual fund, but the motifs range from Clean Energy, to Republican Companies, to Healthy and Tasty, to Obamacare.  Basically any interest you have or trend you’d like to invest in can be found on Motif…

Even, better they’re giving away a ton of cash right now. If you open a new account and make one trade, you’ll earn $50. Make 3 trades, and you’ll earn $75. Make 5 trades, and you’ll earn $150!

Now Motif charges $9.95 for each trade you make, so after making 5 trades, you’ll still be netting $100.25 in extra cash.  That’s like getting all of your transaction fees free AND earning $100 extra.  Sweet! Signup here - Free $150 Motif Promotion.

Read more about it here: “How to Make $100 This Week with Motif Investing


There you have it. If you’ve finished the list, you’ve just made $1,823.40 in FREE money.

Feel free to take the weekend off.

Good luck Penny Hoarders!

Note: we want to be up front with you on this – we may have a relationship with some of these companies. While we genuinely recommend them, we do want you to be aware that they’re a sponsor and are helping to grow The Penny Hoarder as a community.

  • http://athriftydiva.com michelle

    I always forget to use ebates and I shop online a ton. Thanks for the great tips.

    • Kristina

      Ebates has a browser add on that alerts you if the site you’re on has cash back!


  • http://www.co-and-mom.blogspot.com Ashley

    Very helpful tips! I need to check out a few. And I’ve never used ebates–I need to try it!

  • http://www.rochkirstin.com Roch

    Are these applicable only in the United States or worldwide? I have never tried any of these and it’s actually my first time to hear about them.

    • Kyle Taylor

      Hi Roch -

      Most of them are US only. I know Ebates is also open to Canada too and PersonalCapital may be available worldwide.


  • http://francramon.com Franc Ramon

    It would be nice to earn money through some of these sign up bonuses.

    • http://www.thepennyhoarder.com alicia

      the link says it takes up to 30 days

  • http://kimnieves.com KIM NIEVES(www.kimnieves.com)

    Oh, how I wish I live in the US to get some free money! =p

  • http://www.tauyanm.com jane

    it would be nice if this is totally available worldwide love all the great tips here! No one will complain indeed!

  • http://jadelouisedesigns.com Amber Edwards

    Wow, you could really start to add up some income if you can keep everything straight and accomplish everything on your list. That is pretty cool.

  • http://cnafinance.com Joshua Rodriguez

    Ahhh, gotta love free money! I’m actually planning on setting up my Betterment account today when I get off work! $25 free, yea buddy. Anyway, I’d love to see you come be part of the conversation at CNA. Talk to you soon!

  • Gil Camporazo

    If all of them are legit, everyone gets a lot of money. This is a very convincing freebie offers in terms of earning money online for free.

  • http://www.lutoninanay.net/ lencilicious

    Very helpful tips you have here. Will check some of them later.

  • LaGrande

    never believed in free money, will try! Thanks

  • https://www.facebook.com/gizellemariemichel Marie Michel

    Wow! one really has to look where the money can be found! thanks for these tips!

  • Jen

    The pharmacy one sounds good since I am thinking of switching from CVS to Walgreens. But , being in the medical field, be careful about using a different pharmacy every month for a new prescription. It is sometimes called “pharmacy shopping” and might get you in a little hot water with your doctor. So be careful of that one.

  • http://Learn2EarnNow.net Ariel – Learn2EarnNow.net

    I was a bit skeptical upon first glancing at this page because my experience with accepting “free” offers is that there was always some hidden hook or trick to extract money that I was not willing to give.

    However, after reading this page I see that it is possible obtain a net benefit from free offers if one chooses wisely. Thanks for sharing this!

  • Jesse

    Personal Capital is now donating $20 to Habitat for Humanity for each referral… no more $10 to me :(

  • El

    I recently took advantage of Capital One 360 Black Friday Deals.
    I opened:
    -Checking Acct. with $125 bonus(with 5 debit purchases or 5 checkmate deposits or combined)
    -Savings Acct. with $75 (with $500 deposit)
    -Sharebuilder with $150(after making 3 trades).

    I also took advantage of pre-approved Chase Freedom credit card with $200 bonus.(after spending $500 within first 3 months.)

    Expecting free $550 soon.

    • Kyle Taylor

      Awesome! Nicely done! :)

    • paul trusty

      I will try some of these.

  • Ifeanyi

    Does these sites restrict Nigerians? I am interested in about over four but I kept seeing Dollars mentioned and United States residents, etc. Is it applicable to Nigerians?

    • Kyle Taylor

      InboxDollars is the only one that is open to Nigeria. Sorry about that.


  • http://foodandnutrition jane kajuju

    am in kenya ..have been trying to install mobilexpressions app in my phone. but not supported …
    is it not available in africa?

    • Kyle Taylor

      No, sorry. :( This one is US only.

  • Freeman925

    too bad Ebates.com only works in the US . I absolutely admired that website .

  • Donna

    You might want to make sure your insurance does not keep you from being able to get the $25. Check with the pharmacy first before getting the new scrip filled or transferring an existing scrip. Those on any type of government program insurance such as Medicare, Medicaid, etc are ineligible. A client of mine was not yet eligible for Medicare, but had insurance from the job she retired from, not sure what insurance it was, but she was excluded also!

  • Heidi Vaughn

    Need to see if this is honest and work.

  • sksi

    I want some $$$ ♥♥♥

  • John

    How about get your butt to work ?!

  • http://www.ggg.com kylee


  • http://www.ggg.com kylee

    Cool games

  • midwestgal

    Don’t forget, all that free money will count as income, and you’ll have to put it on your tax return and pay taxes on it. I opened a bank account for the $100 last year and I expect to receive a 1099-INT form showing that amount as interest. But hey, you still come out way ahead!!

  • Sally

    I worked hard most my life, now that im alone its been more than difficult, I didn’t have lots of money now I have none. Im loosing my health, I have no home no family its difficult to be poor, I want help from some one that wouldn’t have an issue with helping a poor person achieve material happiness. I know if the right wealthy person helps me it would insure I can have a home. Some one rich will read this an want to fully support me with a one time helpful income.

    • Julie


    • Bridgette Davetrol

      Just post your info, I’m sure someone will help you!

  • http://2-copper-coins.com Jon@2-copper-coins.com

    Totally sweet list! I have completed hundreds of survey’s on Mysurvey.com and have used the points to buy countless birthday and Christmas presents. I might also offer to your list opinionoutpost.com. They let you make money much more quickly than mysurvey. So far I’ve earned $150 on their site. I’m also definitely checking out the Media Insiders app. I’m happy to have an extra $185 a year.

  • Gigi

    Good tips, I’m going to try some of these.

    The only one I’ve already used is Ebates. I did all my Christmas shopping online and earned a little over $50, BUT watch them carefully. They do not always record your shopping and there have been several purchases I’ve made “through” them that never registered so I never got paid.

    However they did send one check already so it’s definitely legit, you just have to keep careful records. I’m also willing to admit the error may have been mine because I tend to search for coupons and deals online so I may have messed something up by leaving the website and returning later.

    Good luck everyone.

  • pa

    Is this a scam?

    • Kyle Taylor


      • clare

        really its not seems like it. i dont want to get into trouble

  • Charles Parrott

    I like to keep a clean computer; worried about Inbox Dollars, or any other vendors like these; do they drop cookies or any “spying/tracking” methods on my computer?

  • http://moneymakingsecrets.org Daniel Voyles

    This was pretty cool stuff you laid out here about the 15 different ways to get free money in the amount of $1823.40.

    Thanks guy for sharing this with us.

  • Stef

    Won’t your credit score suffer after applying for so many credit cards?

  • http://yahoo Adeshina

    how i wish this could be true, i need a means of extra income and how can this dream come trough

  • http://www.rochkirstin.com Roch

    Can one earn a living out of these methods?

  • Edward mcknight

    I well try it thank u

  • edilson silva


  • Myra Wills

    I did MySurvey for several years. But I never seemed to get the points needed to redeem items. Eventually I realized that I would never earn enough points because my husband is a journalist and that disqualified me from most of the surveys. I decided to quit and cashed my points in. Unfortunately, after getting one good item towards the beginning of my membership, I only had enough points to get a $10 certificate for Barnes & Noble. I would recommend this program to anyone but certain characteristics might keep a small number of people from the big points.

  • http://smgannon86.myitworks.com shannon

    I liked the ones for the credit card offers. I have made extra money on surveys as well, but the sites usually have too many pop ups and spam for me.

  • http://- Kingsbay

    i am a Ghanaian living in Ghana. Kyle Taylor how can you help me to best participate in your programs and which ones will be good for me here in Ghana, so i can also benefit from them

  • tolulope

    I am not residing in America or Canada. How can you help me out with programs that can benefit people like me who do not stay in zip-coded states?

    Thanks for prompt reply.

  • Stevo GiantPirate Seraos

    Hey guys! I have been listening to get rich radio live in the mornings while i’m at work, and the conversations that they have and the theories that they discus are innovative and educational. They teach you how to think and grow rich. They don’t just put the keys in your hands, they give you the knowledge to build your own keys! Yes its true that I can make a small amount of dough if I have my web Browser open all day and I let my meters run 24/7 but the true value comes from the bombs of knowledge that they drop, to teach you concepts that you have not heard of before! So click on the link below, and let us listen together!

  • Faisal

    I was hoping someone could help me, I’m looking for financial assistance and was wondering if anyone knows any celebrities that will give me money. I’m on a very low income and am struggling with my finances. I saw this site and realized it is possible to get some sort of help. If anyone can give me names and contact details of celebrities that will give me money I would be grateful. If you’ve got money yourself from these celebrities then please please share your experience.
    Please give me 10000$ dollar
    My account number is
    Account Title
    Faisal Javed
    Account number
    Currency pak rupee
    Bank name
    standared charted pvt ltd

  • Janai Alieta Eaton

    These don’t make any sense… in order to get the cash back bonuses you have to spend $3000 or $1500 etc. Within the first 3 months. So in reality you’re just digging a debt hole for yourself. This is a hoax

  • zhangli

    Really? I will try it

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