Hey all 😊 Hope you're all having a great day.

Now this sub covers tons of different side hustle ideas, but one popular concept is *bonus churning*.

This is basically finding companies, apps, and websites that pay you for your business...Basically, companies that will pay you to sign up, try them out, and let you leverage their marketing budgets to get some free cash for yourself 😎

Personally, bonus churning is how I make at least $1,000 - $2,000 per year. It's something I encourage everyone to look into, provided you can follow instructions and have a bit of time to spare.

SO without further ado, here's Honest Side Hustle's ultimate guide to bonus churning! 😊

🌎 **NOTE:** Many of these offers work best in the United States, Canada, and the UK. Your results will vary significantly based on your country, so please keep this in mind.

# TLDR: Top Platforms for Bonus Churning

* **Best For Bank Bonuses**: [**Scrambly**](https://www.webmonkey.com/start/scrambly) (get $100 - $300)
* **Best For Gaming Bonuses**: [**Gemsloot**](https://gemsloot.com/?aff=hsh) (get $5 - $100+)
* **Best For Credit Card Bonuses**: Chase, Amex, Capital One typically
* **Best For Shopping Bonuses**: [**ShopBack**](https://ecommerceenablerspteltd.pxf.io/QYOVzx) (get $10 + cashback rewards)
* **Best For Investing Bonuses**: [**Moomoo**](https://moomootechnologiesinc.pxf.io/2RrnYa) (Get up to $1,000 NVDA)

*\*Disclaimer:* Bonus rates change all the time, so it's worth signing up for/researching several platforms to compare the highest rates at a given time.

# Option 1: Bank Bonus Churning

**The Hustle**: Many banks pay you cash bonuses for opening a free checking or savings account and then moving your direct deposit over. Many of these don't even have minimum deposit requirements; you just need to hold your cash there for 60-120 days usually and then you get your cash.

**Best Platforms**: You can find these offers directly through banks, so do some searching.

BUT you can also use platforms like [**Scrambly**](https://www.webmonkey.com/start/scrambly) (US) and [**Kashkick**](https://ho.kashkick.com/aff_c?offer_id=28&aff_id=1412&source=rdt) (US) to find some very nice bank deposit bonuses. Gemsloot is a good option too that's more international.

For example, these platforms typically let you earn $200 - $350+ for opening free checking or savings accounts with companies like Chime, SoFi, Current and others. They have similar offers for budgeting apps, cash advance apps, and all sorts of FinTech products too.

# Option 2: Game Packs Arbitrage

**The Hustle**: Many get-paid-to platforms work with mobile gaming companies to promote their games. The game developers with big budgets literally pay people to download and play their games to boost engagement. AND the ones with big marketing budgets even pay people for in-app spending, but will pay you more than you spend...This creates an easy arbitrage opportunity.

For example, you might get paid $15 from a GPT platform for buying a $9.99 in-game pack from a certain game...Easy $5 profit right there, and there's tons of offers like this, some with higher payouts / better ratios.

You have to follow instructions carefully for this one. But it's possible to find offers where you deposit $5 to $20 in a game and get a decent chunk more back for a quick profit.

**Best Platforms**: [**Freecash**](https://www.webmonkey.com/start/freecash) has tons of gaming offers at a given time, including some with this type of game-spending arbitrage. [**Gemsloot**](https://gemsloot.com/?aff=hsh) once again also has amazing offers, including some that are 100% free and pay you for downloading a free game and playing it for 15 minutes or something similar.

# Option 3: Credit Card Churning

**The Hustle**: Like bank bonuses, a lot of credit card companies have introductory offers where you earn bonus points or bonus cash for reaching a certain spending threshold. Sometimes, these offers don't even have a spending threshold 😅

I find it's useful to look for these *especially* if you have a period of heavy spending coming up. For example, last time I moved and had to furnish a full apartment, I opened a new Amex credit card that gave me boosted cashback rates and bonus cash (statement credit) if I spent $5,000 in the next 90 days. I hit this requirement, and it definitely helped me recoup a little bit of what I had spent.

**Best Platforms**: This is really a US-dominated industry. Chase, Capital One, and Amex usually have great bonuses. But all the major banks roll out bonuses too to stay competitive on marketing. Do a Google Search to see what's available in your state / country 😊

💵 You can also use a free platform like [**Kudos**](https://kudos.sjv.io/LK1DLj) which is basically a smart wallet extension and app that helps you max-out credit card rewards when you shop.

# Option 4: Cashback Shopping Bonuses

**The Hustle**: Like gpt platforms, there's a lot of shopping reward platforms out there with new-member bonuses. You basically sign up, complete an eligible cashback shopping offer, and then you earn a cash bonus alongside the cashback from your purchase.

**Best Platforms**: There's quite a few companies in this space these days. A lot of them pay you $10 to $20 for signing up and completing your first eligible purchase.

Swagbucks usually has a $10 bonus, same with [**ShopBack**](https://ecommerceenablerspteltd.pxf.io/QYOVzx). You can try Rakuten as well and get $20 to $50 back depending on the promotional period. I've started testing out the [**Franki app**](https://www.wtr3x7mx.com/2DDD1J/2CTPL/?source_id=rdt) too and like it so far.

These one-time bonuses really aren't *that* juicy. But you can keep using these platforms to earn cashback which is nice 😊

# Option 5: Broker Deposit Bonuses

**The Hustle**: Like banks and credit cards, many stock brokers also have deposit-based bonuses. So you can open an account, make an eligible deposit, and then you usually get your cash after you hold your money in the account for 90-180 days or whatever the stipulation is.

Moving your brokerage around is honestly pretty annoying. BUT sometimes, the bonuses are worth it. Or you might be able to use side hustle income to open a second/third brokerage account somewhere and earn bonuses that way without too much hassle.

**Best Platforms**: Right now, [**Moomoo**](https://moomootechnologiesinc.pxf.io/2RrnYa) has my favorite bonus opportunity. It's giving people up to $1,000 in NVDA stock plus 8.1% APY on uninvested cash for a couple months.

There's tons of others. For example, [**Ark7**](https://ark7.sjv.io/ZVQDZ1) lets you invest in income-generating real estate with only $20, and it has a $50 bonus running. [**Stash**](https://stash.zytd7d.net/rEQ1Ny), a popular investing app, often has a $5 to $20 new-member bonus too. And you can Google a list of robo-advisors or broker bonus going on as well for more options.

# Final Thoughts

A lot of people think this bonus churning stuff is too good to be true. But honestly, this side hustle exists because companies with large budgets are willing to spend $200 to $300+ or whatever to acquire a customer. They *hope* they're buying customers for life, which in many cases, they are. But that doesn't stop you from coming in, churning, and then going about your life 😎

Just note when it comes to credit cards, opening numerous accounts can impact your credit score negatively. This is why I tend to cool it a little with that one. But for all these other categories, I try to claim as many as I can when they make sense.

Just make sure you follow instructions *carefully*. And if you're using a rewards platform, take screenshots of sign-up confirmations, purchases, and anything you would need to support a ticket if tracking doesn't work properly and you don't get paid. This can happen unfortunately, so you need to follow instructions and take a couple preventative measures to ensure you get paid.

Also again, this is *more* of a US/CA/UK sort of hustle like I said. But I hope you guys find it useful if you're looking for some quick and easy wins over the next few months 😊

Anyways, that does it for now!

You can also check out [**this list of easy $$$ freebies**](https://www.reddit.com/r/HonestSideHustles/comments/1rjsdfw/10_easy_sign_up_freebies_running_right_now_march/) we made for some more quick wins. Thanks all!

Get $200 - $500+ In Cash Bonuses! - The Ultimate Bonus Churning Guide