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$50-$400 SoFi Checking Bonus1 month · EasyThe $400 tier wants $5,000 of direct deposit inside 25 days. If your paycheck is smaller, you are realistically looking at the $50.Tiered: $50 at $1,000 in direct deposits, $400 at $5,000, counted over 25 days. Offer ends 31 Dec 2026.Commissionmott may earn a commission if you sign up → +$600 Huntington Platinum Perks Checking Bonus6 months · Some paperworkThis one is not about your paycheck, it is about having $25,000 you can park.Open the account by September 30, 2026. Deposit $25,000 or more in new money within 90 days of account opening and keep the account open at least 90 days.Commissionmott may earn a commission if you sign up → +$500 Key Select Checking Bonus6 months · Some paperwork$5,000 of direct deposit in 90 days is roughly a $1,700/month paycheck.Use offer code KDMB0526 and open the account by 12/11/26 at 11:59 p.m. EST.Commissionmott may earn a commission if you sign up → +$50–$400 SoFi Checking and Savings Direct Deposit Bonus1 month · EasyThe $400 tier wants $5,000 of direct deposit inside 25 calendar days. That is a roughly $10,000/month salary paid twice a month.Promotion runs between 5/15/2026 at 12:01AM ET and 12/31/2026 at 11:59PM ET; your first eligible direct deposit must arrive on or before 12/31/26.Commissionmott may earn a commission if you sign up → +$400 Santander Checking Account Bonus3 months · Some paperworkThe direct deposit requirement is trivial: one deposit, any size.Offer expires 12/18/2026 and the account must be opened in a branch by that date.Commissionmott may earn a commission if you sign up → +$325 Wells Fargo Everyday Checking Bonus6 months · EasyYou have to enroll in the offer at the time you open, not after.Limited time offer ends October 13, 2026. Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.Commissionmott may earn a commission if you sign up → +$300 TD Beyond Checking Bonus6 months · Some paperworkTD takes up to 180 days to pay, which is the slowest payout of the big-bank bonuses.Offer expires September 30, 2026. Open a new TD Beyond Checking account and receive $2,500 in qualifying direct deposits.Commissionmott may earn a commission if you sign up → +$250 Capital One 360 Checking Bonus6 months · EasyTwo separate deposits of $500 each, not one of $1,000. 360 Checking has no monthly fee, so there is nothing to unwind afterwards.Open a new 360 Checking account with promo code CHECKING250. Receive at least 2 qualifying direct deposits, each of $500 or more, within 75 days of account opening.Commissionmott may earn a commission if you sign up → +$250 Capital One 360 Checking Debit Card Bonus6 months · Some paperworkThis is the one to use if you cannot move your direct deposit.Open a new account with promo code DEBIT250. Use your 360 Checking debit card for at least 20 qualifying transactions of $10 or more within 75 days of account opening.Commissionmott may earn a commission if you sign up → $20/mo Laurel Road Loyalty Checking Monthly Reward1 month · EasyThis is a recurring reward, not a signup bonus, so it only works if $2,500 a month genuinely lands there every month.Requires a qualifying direct deposit of at least $2,500 during the statement period.Commissionmott may earn a commission if you sign up → +$200 TD Signature Savings Bonus6 months · Some paperworkNo direct deposit needed, but $10,000 has to sit still for over three months.Offer expires September 30, 2026.Commissionmott may earn a commission if you sign up → +$175 Chase Secure Banking Bonus3 months · EasyNo direct deposit needed, which is unusual for a bonus this size.Offer expires 10/14/2026. Complete at least 10 qualifying transactions within 60 days of coupon enrollment.Commissionmott may earn a commission if you sign up → +$100–$200 Chase Savings Bonus6 months · Some paperworkNew money means it cannot already be sitting at Chase.Offer expires 10/14/2026. Within 30 days of offer enrollment, deposit a total of $5,000 or more in new money into the new savings account.Commissionmott may earn a commission if you sign up → +$125 Wells Fargo Clear Access Banking Bonus3 months · EasyNo direct deposit requirement, just ten transactions.Offer ends October 13, 2026.Commissionmott may earn a commission if you sign up → +$125 Chase High School Checking Bonus3 months · EasyThe account is for teens and has to be linked to a parent's Chase checking account, so this only works if a parent banks at Chase or is willing to open one.Offer expires 10/14/2026.Commissionmott may earn a commission if you sign up Student→ +$100 Chime Referral Bonus for New Members2 months · EasyYou need someone's referral link; there is no self-serve version. This is the deposit bonus only.You must sign up using an existing member's referral link. → +$100 Current Referral Bonus for New Users2 months · EasyCurrent is a financial technology company, not a bank; deposits are held at partner banks.New Current users only, signing up through a referral link.Commissionmott may earn a commission if you sign up → +$100 Ally Referral Bonus for New Friends2 months · EasyThe funding bar is unusually low, but you need an existing Ally customer to refer you.Complete your enrollment by December 31, 2026 and open your eligible account within 30 days of enrollment.Commissionmott may earn a commission if you sign up → +$100 TD Share the Green Referral Bonus3 months · EasyThis can be stacked on top of TD's own checking bonus in some cases, but confirm with TD before assuming it.Within 60 days of opening, either receive a qualifying direct deposit of at least $250 or complete a minimum of fifteen qualifying TD Visa Debit Card purchases.Commissionmott may earn a commission if you sign up → +$100 Axos Checking Referral Bonus3 months · EasyYou need an existing Axos customer to send you the link. $1,500 over 90 days is about $500 a month, which is a low bar for a $100 payout.A $100 bonus will be earned by the Friend and by the Advocate once a total of $1,500 in new funds has been received via Direct Deposit into the Friend's eligible Axos Checking account within the first 90 days after account opening.Commissionmott may earn a commission if you sign up → +$100 Alliant Ultimate Opportunity Savings Bonus6 months · EasyThis is a savings habit with a payout attached, not a quick bonus. It takes a full year and you have to hit every single month.Make transfers and/or deposits totaling $100 or more each month for 12 consecutive months. Alliant then makes a $100 bonus deposit into the account.Commissionmott may earn a commission if you sign up → Up to $100/yr Regions LifeGreen Savings Annual Bonus6 months · EasyThe $100 is a ceiling, not the typical payout. It scales with your average balance, so a small balance gets a small bonus.An automatic transfer of at least $10 from your Regions checking account to your LifeGreen Savings account is required in at least 10 of the 12 calendar months preceding the month of your account opening anniversary.Commissionmott may earn a commission if you sign up → +$50 SoFi Banking Referral Bonus for New Members1 month · EasyOnly 21 days to move $500 in.Promotion period runs August 5, 2026 at 12:00 a.m. ET through September 30, 2026 at 11:59 p.m. ET.Commissionmott may earn a commission if you sign up → +$50 Regions Refer a Friend Bonus3 months · Some paperworkThree separate hoops for $50, and the debit card requirement is the one people forget.Open a new Regions personal checking account within 90 days of receiving the initial referral email.Commissionmott may earn a commission if you sign up → +$50 M&T Refer Friends Reward for New Customers6 months · EasyThe payout is a Visa Reward Card, not cash into your account, so treat it as a prepaid card you need to spend down.Register for the offer, then open a new eligible M&T Personal Checking account within 180 days of registering.Commissionmott may earn a commission if you sign up → Varies Varo Referral Bonus for New Customers2 months · EasyVaro does not publish a fixed amount for this.The qualifying direct deposit threshold is between $500 and $1,000 depending on the specific offer you were sent; check your email or the Varo app for the amount applicable to your offer.Commissionmott may earn a commission if you sign up → +$200 Chase Freedom Unlimited welcome bonus3 months · EasyThis is a spend-to-get bonus, not a handout.Chase states: $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Annual fee $0. New cardmembers only; approval required.Commissionmott may earn a commission if you sign up → +$200 Chase Freedom Flex welcome bonus3 months · EasySame bonus and same $500 hurdle as the Freedom Unlimited. You generally cannot hold both bonuses at once, so pick one.Chase states: $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Annual fee $0. New cardmembers only; approval required.Commissionmott may earn a commission if you sign up → +$150 Prime Visa Amazon gift card on approvalInstant · EasyThe money is Amazon store credit, not cash, and you need a paid Prime membership to qualify.Chase states the $150 Amazon Gift Card is loaded into your Amazon Gift Card Balance on approval of your credit card application.Commissionmott may earn a commission if you sign up → +$200 Capital One Quicksilver cash bonus3 months · EasyYou have to spend $500 to get the $200, and Capital One's own wording ties the offer to applying through that page in one sitting.Capital One states: eligible Quicksilver primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.Commissionmott may earn a commission if you sign up → +$200 Capital One Savor cash bonus3 months · EasyIdentical bonus and hurdle to the Quicksilver.Capital One states: eligible Savor primary account holders earn a $200 cash bonus after spending $500 on purchases within the first 3 months from account opening.Commissionmott may earn a commission if you sign up → +$100 Capital One Quicksilver Student cash bonus3 months · Easy$300 over three months is a low hurdle, and there is no annual fee, so this is one of the cleaner first-card offers.Capital One states: eligible Quicksilver Student primary account holders earn a $100 cash bonus after spending $300 on purchases within the first 3 months from account opening.Commissionmott may earn a commission if you sign up Student→ +$100 Capital One Savor Student cash bonus3 months · EasySame $100 for $300 deal as the student Quicksilver, tilted toward dining and groceries. You will not get both, so pick one and pay it off monthly.Capital One states: eligible Savor Student primary account holders earn a $100 cash bonus after spending $300 on purchases within the first 3 months from account opening.Commissionmott may earn a commission if you sign up Student→ +$200 Wells Fargo Active Cash cash rewards bonus3 months · EasyReturns count against you. Wells Fargo measures net purchases, so a big refund can knock you back under $500 without warning.Wells Fargo states: to qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from account opening.Commissionmott may earn a commission if you sign up → +$200 U.S. Bank Cash+ new cardmember bonus3 months · Some paperworkThe hurdle is $1,000, double what Chase and Capital One ask, and U.S. Bank says the bonus is 'awarded for redemption'.U.S. Bank states: one-time $200 bonus will be awarded for redemption when you are approved for a new U.S.Commissionmott may earn a commission if you sign up → Varies Discover it Cash Back first-year Cashback Match6 months · EasyThere is no fixed dollar figure here because the payout is whatever you happened to earn in twelve months.Discover states it will match all the cash back earned from the day the account is approved through the first 365 days, added to your rewards account within two billing periods.Commissionmott may earn a commission if you sign up → +$100 Discover it Student Cash Back statement credit bonus3 months · EasyA $300 hurdle for $100 back is one of the better ratios on this list.Discover states: earn a $100 Bonus as a statement credit when you spend $300 in the first 3 months. Annual fee $0. Student enrollment required; new cardmembers only.Commissionmott may earn a commission if you sign up Student→ Varies Discover it Chrome first-year Cashback Match6 months · EasySame structure as the flagship Discover card, just with gas and restaurant categories.Discover states it will provide an unlimited dollar-for-dollar match of all the cash back earned at the end of the first year. No minimum purchase amount is stated.Commissionmott may earn a commission if you sign up → Varies Discover it Miles first-year Miles Match6 months · EasyThe word 'miles' here is cosmetic. Discover lets you cash them out, so it behaves like the cash back match.Discover states it will automatically match all the miles earned at the end of the first year, with no limit on the match, and that miles can be turned into cash or redeemed as a statement credit for travel purchases.Commissionmott may earn a commission if you sign up → Varies Amex Blue Cash Everyday welcome offer6 months · Some paperworkAmex will not tell you the number until you have applied, and it says outright that some people get no offer at all.American Express states the welcome offer is paid after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership, and that welcome offers vary and you may not be eligible for an offer.Commissionmott may earn a commission if you sign up → $100–$1,000 Charles Schwab referral Bonus Award2 months · Some paperworkBelow $25,000 deposited you get nothing, and you need an existing Schwab client's referral code to enroll at all.Schwab's published tiers: $100 when they net deposit $25,000 - $49,999; $300 when they net deposit $50,000 - $99,999; $500 when they net deposit $100,000 - $499,999; $1,000 when they net deposit $500,000 or more. → $50–$10,000 E*TRADE brokerage account cash credit3 months · Some paperworkThe bottom tier is honest but small: $1,000 parked for a year pays $50. The twelve-month lock-up is the real condition.E*TRADE's published tiers, Deposit Amount to Cash Credit: $1,000–$4,999 = $50; $5,000–$19,999 = $150; $20,000–$99,999 = $300; $100,000–$199,999 = $600; $200,000–$499,999 = $1,000; $500,000–$999,999 = $1,500; $1,000,000–$1,499,999 = $3,000; $1,500,000–$1,999,999 = $5,000; $2,000,000–$4,999,999 = $6,000; $5,000,000+ = $10,000. → $50–$10,000 E*TRADE retirement account cash credit3 months · Some paperworkThe credit is paid into the IRA, not to you. It is retirement money you cannot spend now without a withdrawal penalty.E*TRADE's published tiers, Deposit Amount to Cash Credit: $1,000–$4,999 = $50; $5,000–$19,999 = $150; $20,000–$99,999 = $300; $100,000–$199,999 = $600; $200,000–$499,999 = $1,000; $500,000–$999,999 = $1,500; $1,000,000–$1,499,999 = $3,000; $1,500,000–$1,999,999 = $5,000; $2,000,000–$4,999,999 = $6,000; $5,000,000+ = $10,000. → +$400 E*TRADE Premium Savings cash bonus2 months · Some paperwork$20,000 in 30 days is the whole story. The money has to be genuinely new to E*TRADE. Shuffling it from another Morgan Stanley account does not count.E*TRADE states: deposit a minimum of $20,000 or more in net-new funds over the first 30 days following account opening, and the $400 cash bonus is based on a deposit of at least $20,000. → $100–$600 Merrill Edge Self-Directed cash reward6 months · Some paperworkNothing at all below $20,000, and the jump to $600 needs $200,000.Merrill's published tiers, Qualifying Net New Asset Balance to Cash Reward: Less than $20,000 = $0; $20,000 to $49,999 = $100; $50,000 to $99,999 = $150; $100,000 to $199,999 = $250; $200,000 or more = $600. → $100–$600 Merrill Edge retirement account cash reward6 months · Some paperworkThe reward lands inside the IRA, so it is retirement money, not spending money.Merrill's published tiers, Qualifying Net New Asset Balance to Cash Reward: $20,000 to $49,999 = $100; $50,000 to $99,999 = $150; $100,000 to $199,999 = $250; $200,000 or more = $600. → Up to $225/yr Robinhood IRA contribution matchInstant · EasyThe 3% headline needs Gold at $5 a month, which is $60 a year off the top, and you have to stay subscribed a full year.Robinhood states the IRA match is a 3% match on annual contributions with a Robinhood Gold subscription ($5/month) or 1% without, and that maxing out the 2026 annual contribution with Gold produces a $225 boost.Commissionmott may earn a commission if you sign up → +$100 tastytrade referral bonus2 months · Some paperworkYou need someone's referral link. There is no way to claim this on your own.tastytrade states the referred customer and the referrer each receive one hundred US dollars ($100.00 USD), that the referral must fund the account with a minimum initial deposit of one thousand US dollars ($1,000.00 USD) within 60 days of account opening, that bonuses are deposited within forty-five (45) days of the account being opened and funded, and that funds must remain in the account for a minimum of six (6) months.Commissionmott may earn a commission if you sign up → Up to $8,046 Earned Income Tax Credit2 months · Some paperworkThe childless version is $649, not $8,046. The big number needs three kids.Tax year 2025 maximum credit amounts: no qualifying children $649; 1 qualifying child $4,328; 2 qualifying children $7,152; 3 or more qualifying children $8,046. Income-based→ Varies State and local EITC match2 months · EasyThe match rate is set by your state, so there is no national average worth quoting. Claim the federal credit first.Available in California, Colorado, Connecticut, Delaware, District of Columbia, Hawaii, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Jersey, New Mexico, New York, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Vermont, Virginia and Wisconsin, plus New York City. Income-based→ Up to $2,200 per child Child Tax Credit2 months · EasyOnly $1,700 of the $2,200 can come back as cash if you owe no tax.Up to $2,200 per qualifying child, of which up to $1,700 per qualifying child is refundable through the Additional Child Tax Credit depending on your income. Income-based→ Varies Child and Dependent Care Credit2 months · Some paperworkYou need the provider's tax ID number. Cash-paid babysitters who will not give one make this credit unclaimable, whatever you actually spent.Total expenses used to calculate the credit may not be more than $3,000 for one qualifying individual or $6,000 for two or more qualifying individuals. → Up to $1,000 Saver's Credit2 months · EasyIt is non-refundable, so it only helps if you owe tax. Plenty of people in the 50% band owe nothing and get nothing from it.The maximum credit is $1,000, or $2,000 if married filing jointly. Income-based→ Up to $5,000 refundable Adoption Credit2 months · Some paperworkThe $17,280 is a cap on expenses you can count, not a cheque. Only $5,000 per child can actually come back as cash.Qualified adoption expenses are limited to $17,280 per qualifying child for 2025, of which up to $5,000 per qualifying child is refundable beginning in tax year 2025. → Varies Tips deduction2 months · EasyA deduction is not a cheque. $25,000 deducted saves you whatever your bracket is on that money, and it does nothing at all for payroll taxes.Maximum annual deduction is $25,000 of qualified tips, available for tax years 2025 through 2028. → Up to $994/mo Supplemental Security Income (SSI)6 months · Real paperwork$994 is the ceiling before any of your other income is subtracted, and the resource limit is unforgiving.Effective January 1, 2026 the Federal benefit rate is $994 for an individual and $1,491 for a couple. Income-based→ Varies Social Security Disability Insurance (SSDI)6 months · Real paperworkNot means-tested. This is an insurance benefit you paid for through payroll tax.Payment amount is based on your work history before the disability began, so SSA publishes no single figure. → Varies Social Security survivors benefits2 months · Some paperworkClaiming a survivor benefit at 60 locks in a permanently reduced amount.A surviving spouse can get up to 100% of the deceased worker's benefit at Full Retirement Age for Survivor benefits, between ages 66 and 67; taking it earlier reduces the amount. → +$255 Social Security lump-sum death payment1 month · EasyIt is $255 and it has been $255 since 1954.A spouse might get a one-time death benefit payment of $255. → Varies TANF cash assistance1 month · Real paperworkGrant sizes differ enormously between states.Every state or tribal territory has its own requirements for who can get TANF benefits, and each runs its program differently under a different name. Income-based→ Varies Unemployment insurance1 month · Some paperworkFile the week you lose the job, not the week you run out of money.Each state administers a separate unemployment insurance program and sets its own eligibility guidelines and benefit amounts, so no national figure applies. → Up to $43,600 FEMA disaster assistance (Individuals and Households Program)1 month · Some paperworkTwo separate $43,600 caps, and hardly anyone reaches either. FEMA pays only what insurance did not, and only for a declared disaster.The maximum IHP financial assistance is $43,600 for housing assistance and $43,600 for other needs assistance, as set for emergencies and major disasters declared on or after October 1, 2024. → Up to $29,093/yr VA Veterans Pension and Aid & Attendance3 months · Real paperworkThat top rate is not what lands in your account.Maximum Annual Pension Rate effective December 1, 2025 for a veteran with no dependents: $17,441, or $29,093 if you qualify for Aid and Attendance benefits. Income-based→ Up to $2,000 VA burial allowance2 months · Some paperworkNowhere near the cost of a funeral, and the two-year deadline on non-service-connected claims is missed constantly by families dealing with everything else.For a service-connected death where the veteran died on or after September 11, 2001, the burial allowance is up to $2,000. →

$9.25/mo Lifeline Phone & Internet Credit1 month · Some paperworkOne per household, not per person. If someone at your address already has it, you will not. Income-based→ Varies LIHEAP Energy Assistance2 months · Some paperworkApply in autumn. Each state gets an allocation and the good ones run out before the cold does.Amount is set by your state and depends on household size, income and energy costs. Income-based→ 50% off Fair Fares NYC1 month · Some paperwork Income-based→ ~$372/yr saved Weatherization Assistance6 months · Real paperworkNobody hands you money here. A crew comes and insulates the house. The saving turns up on next winter's bill.Home improvements installed for you, not a cash payment. Savings vary by home. Income-based→ Varies FlippInstant · EasyThe 20% figure is Flipp's own marketing claim, not a measured average, and no money changes hands. What it really does is save you the flyer-sorting.Free app. Savings depend on local store participation and on you actually shopping the advertised items; Flipp does not pay cash back.Commissionmott may earn a commission if you sign up → Varies Pay with GasBuddy+ (Free Card)Instant · EasyTake the free card. The paid tier only clears its own cost if you buy close to 50 gallons every month, and it auto-renews.The free membership discounts fuel by a variable amount per gallon when the card is used with Auto Pay enrolled.Commissionmott may earn a commission if you sign up → Varies Kroger Fuel Points1 month · EasyPoints expire monthly, so the discount is only worth what you can burn in one fill-up.You earn 1 Fuel Point for every $1 spent on groceries online or in store. → Varies for U Rewards1 month · EasyThe two-month expiry is the catch: points you do not spend disappear.Earn 1 Point for every $1 spent on groceries and 2 Points for every $1 spent on gift cards. → +$50 Target Circle Card2 months · EasyThe $50 arrives as Target Circle Rewards, which is store credit at Target, not money you can spend elsewhere.Any Target Circle card gives an instant extra 5% off at checkout, with no monthly or annual fees.Commissionmott may earn a commission if you sign up → Varies Walmart+Instant · EasyThis is a subscription, not a reward, and it only pays for itself if you already order delivery regularly.The annual plan is $98 after a $1 trial. Eligible government assistance recipients and students get 50% off, at $49 a year or $6.47 a month.Commissionmott may earn a commission if you sign up → 50% off Amazon Prime AccessInstant · EasyOnly worth it if you actually use Prime delivery or video; otherwise it is still $84 a year leaving your account.Prime Access is $6.99 per month, more than 50% off the standard Prime monthly price. Income-based→ 10¢/gal Prime Fuel Savings at bpInstant · EasyTen cents a gallon is about $1.50 on a 15-gallon fill, so call it $18 a year for an average driver.Prime members save 10 cents per gallon at more than 7,500 bp, Amoco and participating ampm and Thorntons locations across the US. → 2% back Sam's Club Plus (2% Sam's Cash)6 months · EasySam's Cash spends at Sam's Club, not at your bank.Plus membership is $55 for the first year, regularly $120; the basic Club membership is $25 for the first year, regularly $60. Plus includes 2% Sam's Cash back.Commissionmott may earn a commission if you sign up → 2% back BJ's Club+ Rewards6 months · EasyRewards spend at BJ's and nowhere else.Club+ members earn 2% back in rewards on most BJ's purchases, in club and online.Commissionmott may earn a commission if you sign up → 5¢/gal Fuel RewardsInstant · EasyFive cents a gallon is about 75 cents a fill, so the base rate is small.The free program saves 5 cents per gallon on every fill-up at participating Shell stations.Commissionmott may earn a commission if you sign up → Up to $8,000 Home Efficiency Rebates3 months · Real paperworkThe $8,000 is a ceiling for deep retrofits in low-income households, not a typical figure.Rebates are tied to modeled whole-home energy savings, with a minimum of 20% savings required, up to $8,000 per household. → Varies ENERGY STAR Rebate Finder2 months · EasyThis is not a program that pays you, it is the directory of the ones that do.Free to use. → Varies Nest Thermostat Energy Rebates2 months · EasyGoogle does not publish a dollar figure because there is not one, it depends entirely on your utility.Enter a ZIP code to find rebates, rewards and offers from your energy provider.Commissionmott may earn a commission if you sign up → Up to $994/mo SNAP food benefits1 month · Some paperworkAlmost nobody gets the maximum. The allotment drops as your net income rises, so a working household of four typically lands well under $994.Maximum monthly allotment for fiscal year Oct. 1, 2025 through Sept. Income-based→ Free groceries WIC1 month · Some paperworkWIC buys a set list of items, not whatever you want.Open to women who are currently pregnant, recently pregnant, or breastfeeding, and to babies and children under 5, who meet state income and nutritional-risk screening. Income-based→ Free Free and reduced-price school meals1 month · EasyIf you already get SNAP or TANF, your kids qualify automatically, but many districts still need the form on file, and some drop kids to paid status if it never arrives.For school year 2026-2027 the free and reduced price thresholds were set by multiplying the 2026 federal income poverty guidelines by 1.30 and 1.85 respectively. Income-based→ Free Community Eligibility Provision school mealsInstant · EasyYou do not apply for this. The school does.Applies only in schools and districts that have adopted CEP. Adoption is decided by the school or district, not the family. → +$120 SUN Bucks (Summer EBT)2 months · EasyIt is $120 per child for the whole summer, not per month. Several states have opted out entirely, so check your state page before you plan around it.$120 in grocery benefits per eligible school-age child, once per summer. Income-based→ Free meals Child and Adult Care Food Program mealsInstant · EasyThis is money that reaches you as food, not cash. The useful move is asking a prospective daycare whether they are a CACFP site.Meals are reimbursed to the care provider, not paid to the family. → Free TEFAP emergency food (food banks)Instant · EasyThe fastest benefit on this page. Most pantries need a signature and an address, not a caseworker. What you get is whatever USDA shipped that month.Income eligibility is set by each state within federal guidelines. Income-based→ 50% off Walmart+ AssistInstant · EasyWorth it only if you were already going to pay for Walmart+. A half-price subscription you do not use is still a subscription you do not use.50% off a monthly or annual Walmart+ paid membership plan, priced at $6.47/month or $49/year at launch. Income-based→ $14.95/mo Internet Essentials1 week · EasyThe 90-day gap and the no-outstanding-balance rule knock out a lot of people.$14.95/mo for up to 75 Mbps, or $29.95/mo for Internet Essentials Plus at up to 100 Mbps. Income-based→ $9.95/mo Cox Connect2Compete1 week · EasyThe K-12 student requirement is real. No kid in school, no Connect2Compete. Cox routes those households to a different, pricier plan.$9.95/mo for up to 100 Mbps download speeds. Income-based→ $25/mo Spectrum Internet Assist1 week · Easy50 Mbps is the slowest of the big low-income plans here. Fine for one person on video calls, thin for a household of four all streaming.$25/mo for speeds up to 50 Mbps, with some families qualifying for an additional discount that brings it to $15/mo. Income-based→ Varies Access from AT&T1 week · EasyAT&T will not quote a price until you enter your address, and older copper areas get a slower, sometimes more expensive tier.Eligibility requires that someone in the household participates in a qualifying government assistance program, or that household income is below 200% of the federal poverty guideline. Income-based→ Up to $30/mo off Verizon Forward1 week · EasyThe discount is 'up to' $30 and it moves with your plan and your state.Variable service discount of up to $30/mo depending on your plan and state, bringing home internet to as low as $20/mo. Income-based→ Free Project 10Million1 month · Some paperworkYou cannot sign up directly. If your district is not enrolled, there is no consumer route in.Free lines receiving 20GB/month of free data at no cost to the student household, plus a free mobile hotspot that can connect multiple devices. Income-based→ Varies Housing Choice Voucher (Section 8)6 months · Real paperworkThe subsidy is real and large, but the wait is the story. Many housing agencies keep their list closed for years and run a lottery when it opens.The family's share of rent is usually 30% of adjusted monthly income and may be as high as 40% of adjusted monthly income. Income-based→ Varies Public housing6 months · Real paperworkDifferent from a voucher: the unit is fixed, you do not shop for it.Total Tenant Payment is the highest of: 30 percent of monthly adjusted income; 10 percent of monthly income; welfare rent if applicable; or a $25 minimum rent or higher amount up to $50 set by the housing authority. Income-based→ +$10,000 USDA Section 504 home repair grant3 months · Real paperworkThe grant half is age-62-and-over only. Under 62 you are offered the repair loan instead, which is money you pay back. A different thing entirely.Maximum grant is $10,000, or $15,000 in presidentially declared disaster areas. Income-based→ 50% off Transit half-fare for seniors and riders with disabilities1 month · EasyThis is a floor, not a ceiling. Many agencies go further and discount all day.Applies to fixed route service operated by agencies receiving Section 5307 assistance: fares charged elderly persons, persons with disabilities or an individual presenting a Medicare card during off peak hours will not be more than half the peak hour fare. → Varies Child care subsidy (CCDF)3 months · Real paperworkMost states have a waiting list and pay providers below market rate, which means many good centers do not accept the subsidy.States and territories receive funding from the federal government to provide child care financial assistance to help families with low-income pay for child care so they can work or attend school. Income-based→ Up to $7,500 pre-tax Dependent Care FSA1 month · EasyUse-it-or-lose-it. Overshoot your real daycare spend and the leftover goes back to the plan, not to you.An employee can generally exclude from gross income up to $7,500, or $3,750 if married filing separately, of benefits received under a dependent care assistance program each year. →

+$50 Discover it Student Cash Back2 months · EasyA spend-to-get offer, not a handout.Bonus paid after a qualifying first purchase. Terms and timing set by Discover.Commissionmott may earn a commission if you sign up Student→ 6 mo free Amazon Prime StudentInstant · EasyCommissionmott may earn a commission if you sign up Student→ $5.99/mo Spotify Premium + HuluInstant · EasyCommissionmott may earn a commission if you sign up Student→ Free Microsoft 365 EducationInstant · Easy Student→ Up to $7,395/yr Federal Pell Grant3 months · Some paperworkNobody hands you $7,395. It goes to the school first, and you only see cash if the grant exceeds tuition and fees.Maximum award for the 2026-27 award year is $7,395; minimum is $740. Amount depends on your Student Aid Index, cost of attendance, and enrollment intensity. Student→ Up to $2,500 American Opportunity Tax Credit2 months · EasyThe refundable slice is capped at 40%, so the most you can get back with zero tax liability is $1,000.Up to $2,500 per eligible student per year. 40% of the credit is refundable, so you can get money back even if you owe no tax. Student→ Up to $2,000 Lifetime Learning Credit2 months · EasyNon-refundable is the catch. If you owe no federal income tax, this credit is worth exactly nothing to you.Up to $2,000 per tax return, not per student. Available for an unlimited number of tax years. → Up to $17,500 Teacher Loan Forgiveness6 months · Some paperworkThe $17,500 tier is narrow: special ed, secondary math, or secondary science. Everyone else is looking at $5,000.Two tiers. Up to $17,500 for a highly qualified full-time special education teacher, or a highly qualified full-time secondary mathematics or science teacher. → Up to $4,000/yr TEACH Grant3 months · Some paperworkMiss the teaching obligation and every dollar converts into an unsubsidized loan, with interest charged back to the date you got the money.The full-time scheduled award is $4,000 per year, subject to a federal sequester reduction. Student→ Up to $5,250/yr Employer Educational Assistance (Section 127)3 months · EasyThis is a rule about your employer's plan, not a check from the IRS. Ask HR whether a Section 127 plan exists.Tax-free benefits under an educational assistance program are limited to $5,250 per employee per year. → Deduct up to $10,000 New York 529 State Tax Deduction2 months · EasyA deduction is not a refund. At New York rates, a full $10,000 contribution saves a few hundred dollars of state tax, not $10,000.Deduction is limited to up to $5,000 per year, or $10,000 if married filing jointly, and is available only to New York State taxpayers who are Direct Plan account owners. → Up to $30,908/yr Post-9/11 GI Bill3 months · Some paperworkThe tuition cap only applies at private and foreign schools; at a public in-state school the full bill is covered.For rates effective August 1, 2026 to July 31, 2027, VA pays up to $30,908.34 per academic year toward tuition and fees at private or foreign schools, and up to $1,000 per year for books and supplies. → 10% off Apple Veterans and Military DiscountInstant · EasyIt does not stack with education pricing, so if you are both a veteran and a student, compare the two stores before you buy.A 10% discount for current and Veteran members of the US Military, National Guard and Reserve, and immediate family members who reside in the same household.Commissionmott may earn a commission if you sign up → 10% off Lowe's Everyday Military DiscountInstant · EasyThe exclusion list is where this deflates. Lumber, appliances and anything already on sale are out, which is most of a real renovation budget.10% off eligible purchases with no annual maximum on total savings.Commissionmott may earn a commission if you sign up → Up to 10% off The Home Depot Military DiscountInstant · EasyThe words 'select in-stock items' are doing heavy lifting.Up to 10% off on select in-stock items. Requires verification of military status through a Home Depot account.Commissionmott may earn a commission if you sign up → Full tuition Starbucks College Achievement Plan3 months · Real paperworkYou have to actually work there, and benefits eligibility means roughly 20 hours a week sustained over time.100% upfront tuition coverage for a first-time bachelor's degree through Arizona State University's online program. → Full tuition Walmart Live Better U3 months · Some paperworkDay-one eligibility is real and unusual. The constraint is the school list: you take one of their programs, not the school you already wanted.Live Better U covers 100% of tuition and required books for eligible programs, meaning there is little or no out-of-pocket cost to associates. → Up to $5,250/yr Chipotle Education Assistance3 months · Some paperwork$5,250 is exactly the IRS tax-free ceiling, which is why so many employers land on that number. Anything above it would be taxed as wages.Up to $5,250 each year toward education goals, plus access to Chipotle's Debt-Free Degree program at partner institutions. → Up to $5,250/yr UPS Earn and Learn3 months · Some paperwork'Select locations' is the catch.Up to $5,250 per calendar year with a lifetime maximum of $25,000. Eligibility begins on your first day of employment. The program is available in select locations only. → Full tuition Disney Aspire3 months · Some paperworkUpfront matters here: you are not fronting tuition and waiting on a reimbursement check.The Walt Disney Company covers 100 percent of tuition upfront and reimburses application fees and required books and materials. → Full tuition Amazon Career Choice3 months · Some paperworkAmazon says 'up to a yearly maximum' without publishing the number on this page.Amazon will fully cover tuition and fees up to a yearly maximum, with no lifetime maximums. Employees become eligible 90 days after starting. → Free GitHub Student Developer Pack1 week · EasyNobody uses more than a handful of the offers.Free for verified students. The pack bundles offers from partner companies, including cloud credits, domain names, IDE licenses and GitHub Copilot for verified students. Student→ Free Microsoft 365 Education (Office 365 A1)Instant · EasyA1 is browser-only. If you want installed desktop Word and Excel, your school has to buy A3 or A5 for you, and many do not.Office 365 A1 is free for educators and students with an eligible education email address. It provides web-based versions of Outlook, Word, Excel, PowerPoint and OneNote. Student→ $15.99/mo Adobe Creative Cloud Student and Teacher PlanInstant · EasyThe price more than doubles in year two, to $39.99.US$15.99/mo for the first year, then US$39.99/mo after that, against a regular price of US$69.99/mo. Adobe states 'Save 77%' for the first year.Commissionmott may earn a commission if you sign up Student→ Free Autodesk Education Plan1 week · EasyFiles you make on an education licence carry an educational stamp. Do not use it for paid client work; Autodesk enforces this.Free, one-year, single-user access to Autodesk software for educational purposes, renewable annually as long as you continue to meet eligibility. Student→ Free Figma Education Plan1 week · EasyVerification is the whole game. A generic school email is often not enough and Figma may ask for a transcript or enrollment letter.Free for verified students and faculty. Requires proof of enrollment or employment at an educational institution through Figma's verification flow. Student→ Free Notion for Education (Plus Plan)Instant · EasyOne-member workspace only. The moment you invite a collaborator you are out of the free tier and back on a paid plan.The Education Plus Plan for individual students is a free Plus Plan for a one-member workspace, including unlimited pages and blocks, unlimited file uploads, site publishing and 30-day version history.Commissionmott may earn a commission if you sign up Student→ Free Canva for Education1 week · EasyThis is a K-12 program. If you are at a college, this is not the door you want, and students cannot self-enroll without a teacher.100% free for K-12 educators, their students, and qualified school districts and institutions.Commissionmott may earn a commission if you sign up → Free JetBrains Free Educational License1 week · EasyNon-commercial only, and JetBrains means it. If you freelance on the side, buy a personal licence for that work.Free educational licenses cover IntelliJ IDEA Ultimate, ReSharper, and all other JetBrains IDEs and .NET tools. Educational licenses cannot be used for commercial work.Commissionmott may earn a commission if you sign up Student→ Free for 12 months Google AI Pro Student OfferInstant · EasyA payment method goes on file and it auto-charges $19.99 a month when the year ends.One year at no cost, covering 4x higher usage limits in Gemini, 5 TB of storage, Gemini Spark and access to Gemini Omni. Available to eligible U.S. Student→ $100–$150 gift card Apple Education Pricing and Back to School Gift Card1 month · EasyThe gift card is store credit, not cash, and the $150 tier is for the pricier Macs.Get a gift card from $100 to $150 when you buy an eligible Mac or iPad with education savings, through September 24, 2026.Commissionmott may earn a commission if you sign up Student→ $6.99/mo Spotify Premium Student with HuluInstant · EasyYou have to re-verify every year, and the clock is hard-capped at four years total.Try Spotify Premium Student free for 1 month, then $6.99/month.Commissionmott may earn a commission if you sign up Student→ $6.99/mo Apple Music Student PlanInstant · EasyAt the four-year mark the price rolls to $11.99 automatically. Apple does not send a warning email you are likely to read.$6.99/month for students versus $11.99/month for the individual plan, with the first month free for new subscribers.Commissionmott may earn a commission if you sign up Student→ $6.49/mo Hulu Student DiscountInstant · EasyAd-supported tier only, and you must re-verify each year or the price snaps back.$6.49/month versus a standard $12.99/month. Open to U.S. residents aged 18 and over enrolled at a U.S.Commissionmott may earn a commission if you sign up Student→ $5.99/mo Peacock Student DiscountInstant · EasyThis is a 12-month promotional rate, not an ongoing student price. Month 13 is $12.99 whether or not you are still enrolled.$5.99/mo. for 12 months, then $12.99 per month.Commissionmott may earn a commission if you sign up Student→ Varies YouTube Premium Student MembershipInstant · EasyGoogle will not state the student price on the help page, so check what it quotes you at checkout before agreeing.Requires enrollment as a student at a higher education institution in a location where YouTube student memberships are offered, and verification as a student by SheerID. Student→ 10% off Nike Student DiscountInstant · EasyIt is one code, capped at $500 of spend, expiring in two weeks. Fine for a single pair of shoes; useless if you were hoping to stack it on a sale.10% discount off most items on Nike.com and in the Nike App. Discount applies to the first $500 of a qualified purchase.Commissionmott may earn a commission if you sign up Student→ 30% off adidas Teacher, Military and First Responder DiscountInstant · Easy30% is genuinely large, but the excluded list is exactly the shoes people want: Samba, Gazelle, Campus.30% off for eligible groups including military members, first responders, teachers, nurses, doctors and hospital employees.Commissionmott may earn a commission if you sign up → Up to 30% off Samsung Education Offer ProgramInstant · Easy'Up to 30%' means a handful of items hit 30% and most do not.Savings are up to 30% off, which can be combined with public and seasonal offers. Open to current students, teachers and faculty members.Commissionmott may earn a commission if you sign up Student→ Extra 10% off Dell Student and Teacher DiscountInstant · EasyYou have to join Dell Rewards to get it, which means marketing email.Students and teachers get an extra 10% off everything, up to 10% off in cart, with exclusions.Commissionmott may earn a commission if you sign up Student→ Up to 40% off HP Education StoreInstant · Easy'No student ID required' means the real cost of entry is your email address and the marketing that follows.Unlock additional savings of up to 40% on advanced HP tech. Open to students and their parents and/or guardians, as well as teachers, who reside in the United States.Commissionmott may earn a commission if you sign up Student→ 15% off Amtrak Student DiscountInstant · Easy'Availability is limited' means the discounted seats sell out on exactly the trains you want, like the Wednesday before Thanksgiving.15% discount for student passengers ages 17-24 with valid student ID. Minimum of one day advance purchase required. Valid in Coach and Acela Business Class only.Commissionmott may earn a commission if you sign up Student→ Varies UNiDAYSInstant · EasyUNiDAYS is a middleman paid by the brands, so the site is built to make you shop.Sign-up is free and requires verification of current student status.Commissionmott may earn a commission if you sign up Student→ Free Head Start and Early Head Start3 months · Some paperworkFree, but not universal.Head Start programs are available at no cost to children ages birth to 5 from low-income families. Income-based→

80% off GoodRx Prescription CouponsInstant · EasyCommissionmott may earn a commission if you sign up → $0/mo NY Essential Plan1 month · Some paperworkThe $0 premium is real. The income ceiling is the whole game, so check that first and plan around it second. Income-based→ Sliding NYC Health + Hospitals1 month · Some paperwork Income-based→ Free meds Patient Assistance Programs2 months · Real paperworkEvery drug maker runs one of these and none of them advertise it. Ask the manufacturer of your specific prescription by name. Income-based→ Varies Premium Tax Credit (Marketplace subsidy)1 month · Some paperworkThe enhanced subsidies expired at the end of 2025.The amount depends on household size and the estimated income entered on your Marketplace application, and is reconciled on your tax return. Income-based→ $0 premium Extra Help with Medicare drug costs1 month · EasyOne of the highest-value benefits almost nobody applies for. Apply through SSA even if you think you are slightly over the limit.For people who qualify in 2026: plan premium $0, plan deductible $0, up to $5.10 for each generic drug and up to $12.65 for each brand-name drug, and $0 for each covered drug once total drug costs reach $2,100. Income-based→ Up to $202.90/mo Medicare Savings Programs2 months · Some paperworkQualifying for QMB or SLMB also auto-qualifies you for Extra Help on drug costs. QI funding is first-come and has to be re-applied for every year.The QMB program pays Part A premiums if you do not have premium-free Part A, plus Part B premiums, deductibles, coinsurance and copayments. Income-based→ Up to $8,000 HealthWell Foundation Copay Grants1 month · Some paperworkFunds open and close as money runs out.Award levels are set per disease fund, not per person. The Amyloidosis fund lists a maximum award level of $8,000 for a 12-month grant cycle; other funds are lower. Income-based→ Varies Nonprofit Hospital Financial Assistance (IRS 501(r))3 months · Some paperworkThis is probably the single most underclaimed money in American healthcare.Section 501(r)(4) requires a hospital organization to establish a written financial assistance policy (FAP) for each hospital facility it operates. Income-based→ Varies Dollar For Hospital Bill Advocacy2 months · EasyTheir own framing of the problem is the reason to use them: hospitals fail to hand out an estimated $14 billion a year in assistance they are already required to offer, because nobody tells patients they qualify.Dollar For's service is free to the patient. They check your bill against the hospital's financial assistance policy, help you submit, and follow up. → Sliding scale Federally Funded Health CentersInstant · EasyThis is the national version of a big-city public hospital system, and it covers rural America too.Health centers provide primary medical and dental care to people of all ages whether or not they have health insurance. → Free or reduced Hill-Burton Free and Reduced-Cost Care1 month · Some paperworkThe list of obligated facilities gets shorter every year as obligations expire, so check the current HRSA list before you count on it.Obligated facilities must provide a reasonable volume of services to people unable to pay and make their services available to all persons residing in the facility's area. Income-based→ Free or low cost Free and Charitable Clinic FinderInstant · EasyThese are different from federally funded health centres: smaller, more volunteer-dependent, and often narrower in what they treat.Clinics in the network serve people who are uninsured or underinsured and need free or low-cost healthcare. Income-based→ Varies Marketplace Cost-Sharing Reductions1 month · EasyThis is the trap that costs people the most.You must pick a plan in the Silver category to get these extra savings on out-of-pocket costs. Income-based→ Free No-Cost Preventive ServicesInstant · EasyThe way this gets billed wrong is common. If a doctor treats something during a preventive visit, that part is no longer preventive and gets charged.Applies to most health plans, including Marketplace plans, when the service is on the covered preventive list and is provided by an in-network provider. → Free or low cost Medicaid Coverage1 month · Some paperworkThe part almost nobody uses: Medicaid may pay for medical care you received in the last three months, even though you were not enrolled at the time, based on your income back then.In states that expanded Medicaid, a household income below 133% of the federal poverty level qualifies, which because of how it is calculated works out to 138%; a few states use a different limit. Income-based→ Low cost Children's Health Insurance Program (CHIP)1 month · Some paperworkIncome limits are much higher than people assume, often well into working-family territory.Every state offers CHIP and each sets its own rules about who qualifies, so premiums and copays vary by state. Income-based→ Varies Marketplace Coverage Instead of COBRA1 month · Some paperworkCOBRA usually means paying the entire premium your employer used to split with you, which is why the sticker price shocks people.You can enrol in a Marketplace plan within 60 days of losing your job-based coverage. → $35/mo cap Medicare $35 Insulin CapInstant · EasyPharmacies still get this wrong and charge the old price.The cost of a one-month supply of each Part B- and Part D-covered insulin product is no more than $35, and the deductible does not apply to insulin. → $35/mo Novo Nordisk MyInsulinRx $35 OfferInstant · EasyRe-enrolment each January is the step people miss, and the price jumps back the month you forget.Pay as little as $35 for a monthly supply of any combination of Novo Nordisk insulin products, up to 3 vials or 2 packs of pens (up to 35 mL), plus one pack of needles for $25. → Free medication Pfizer RxPathways1 month · Some paperworkTwo different programmes sit behind one front door.Pfizer states that 60 medications are available for free through the Pfizer Patient Assistance Program, and that in 2025 more than 26,000 patients received over 160,000 Pfizer prescriptions for free. Income-based→ Free medication Lilly Cares Foundation1 month · Some paperworkThe 12-month clock is the thing to plan around.The foundation provides prescribed Lilly medications for free for up to 12 months to qualifying U.S. patients. Income-based→ Free medication Novo Nordisk Patient Assistance Program1 month · Some paperworkThe denial-letter rule catches people out.To be eligible in 2026 you must be a US citizen or legal resident, have a total household income that qualifies under the Federal Poverty Level guidelines, and have Medicare or no insurance. Income-based→ Free medication Sanofi Patient Connection1 month · Some paperwork400% of the poverty level is a genuinely wide gate, well above what most people assume a charity programme allows.You must be a resident of the U.S. or U.S. Territories, be under the care of a licensed U.S. Income-based→ Free medication AZ&Me Prescription Savings Program1 month · Some paperworkCheck the current medication list before you apply, because AstraZeneca drops drugs from it at the start of a calendar year.AZ&Me provides medications at no cost to eligible patients who are prescribed AstraZeneca medications and cannot afford them, and supports patients who are covered under Medicare but still cannot afford them. Income-based→ Free medication Johnson & Johnson Patient Assistance Foundation1 month · Some paperworkThe eligibility checker takes a couple of minutes and gives a straight answer, which is unusual in this corner of the world.The foundation gives eligible patients free prescription medicines donated by Johnson & Johnson companies. Income-based→ Free RxAssist Patient Assistance Database1 month · EasyThis is the tool to use when you do not know which company makes your drug or whether a programme exists.The database is free to search and lists programmes run by pharmaceutical companies that provide free medications to people who cannot afford to buy their medicine. → Varies TotalAssist Copay and Premium Grants1 month · Some paperworkPAN Foundation and Patient Advocate Foundation merged their programmes into this one, so old links and old fund names point at the wrong place.TotalAssist covers nearly 150 serious and chronic conditions through separate disease funds, and the grant amount is set by the individual fund rather than being one figure. Income-based→ Varies Rx Outreach Nonprofit Pharmacy1 week · EasyOnly worth it if their price beats your copay, which it often does not if you have decent insurance. Check the specific drug rather than assuming.Rx Outreach is a nonprofit mail-order pharmacy offering low-cost prescription medications with free delivery in all 50 states, open to anyone with no application or eligibility requirements. → ~$270/yr SingleCare Prescription Discount CardInstant · EasyUsing a discount card means the purchase usually does not count toward your insurance deductible.SingleCare states the average member saves over $270 every year, and that savings vary by prescription and by pharmacy and may reach up to 80% off the cash price.Commissionmott may earn a commission if you sign up → Up to 80% off RxSaver Prescription CouponsInstant · EasyRxSaver now surfaces some prices on GoodRx pages, so if GoodRx is already in your rotation you are largely comparing the same market.RxSaver states you can save up to 80% on prescriptions by showing the coupon to your pharmacist, and that the coupons are free.Commissionmott may earn a commission if you sign up → $5/mo total Amazon Pharmacy RxPass1 week · EasyThe $5 is only $5 if you already pay for Prime. If you do not, add the Prime subscription to the maths before comparing it with a discount card.RxPass is a flat fee of $5 a month for access to more than 50 commonly prescribed generic medications, no matter how many of them you take, with delivery included.Commissionmott may earn a commission if you sign up → $4 / 30 days Walmart $4 Prescription ProgramInstant · EasyThe list is narrower than the marketing suggests, and the $4 applies to specific dosages.Select generic drugs at commonly prescribed dosages start as low as $4 for a 30-day supply and as low as $10 for a 90-day supply. No membership or fee is required. → Varies TrumpRx.gov Drug Price LookupInstant · EasyIt is a price board, not a pharmacy.The site publishes special offers and cash prices on prescription drugs, including hundreds of generics, and lets you enter a zip code for local prices. → Reduced cost Dental School and Hygiene School Clinics1 month · Some paperworkBudget time rather than money: a cleaning that takes 45 minutes elsewhere can take three hours here.Dental schools often have clinics that allow dental students to gain experience treating patients while providing care at a reduced cost, with experienced licensed dentists closely supervising. → Free Mission of Mercy Free Dental ClinicsInstant · Real paperworkThis means queuing, often overnight, and you get the treatment the day allows rather than the treatment you would choose.ADCF supports dental Mission of Mercy clinics and other charitable clinics that provide free oral health care to any person who attends. → Free Dental Lifeline Network Donated Dental Services6 months · Real paperworkWaiting lists run months and some state programmes close to new applicants when volunteer capacity runs out.The network has operated since 1975 and provides comprehensive dentistry for adults with disabilities across the U.S. through volunteer dentists and laboratories. Income-based→ Free eye exam EyeCare America Medical Eye Exam1 month · EasyThis is a medical eye exam looking for disease, not an appointment to get a glasses prescription. If what you need is glasses, this is the wrong door.Individuals 18 and over may be eligible for a medical eye exam at no out-of-pocket cost. To qualify you must be a U.S. → $40–$70/session Open Path Psychotherapy Collective1 week · EasyPay the $65 only after you have searched the directory for your area and confirmed there are therapists taking new clients near you.Sessions cost $40 to $70 each, online or in person, plus a one-time membership fee of $65 that is paid once and not per session. Income-based→ Free 988 Suicide & Crisis LifelineInstant · EasyYou do not have to be in immediate danger to call it, and most calls are resolved on the phone.The 988 Lifeline is available 24 hours a day, every day of the year. Conversations are free and confidential. → Free SAMHSA National Helpline and Treatment LocatorInstant · EasyThe helpline refers, it does not treat.The helpline on 1-800-662-HELP (4357) is a free, confidential, 24-hour-a-day, 365-day-a-year information and treatment referral service in English and Spanish. → Free vaccines Vaccines for Children ProgramInstant · EasyThe vaccine itself is covered but the office visit and the administration fee are separate.VFC is an entitlement programme, a right granted by law, for eligible children aged 18 and younger. Income-based→ Free or sliding Title X Family Planning ClinicsInstant · EasyThe no-charge rule below the poverty line is a legal requirement on the clinic, not a favour.Title X projects must provide that no charge will be made for services provided to any clients from a low-income family, except where a third party such as a government agency is legally obliged to pay. Income-based→ Free or low cost Free Breast and Cervical Cancer Screening1 month · EasyThe part that matters most is the back end: women diagnosed through this programme are generally eligible for Medicaid treatment coverage in their state, which is a far bigger deal than the free mammogram.You may qualify if your yearly income is at or below 250% of the federal poverty level, you are aged 40 to 64 for breast cancer screening or 21 to 64 for cervical cancer screening, and you have no insurance or your insurance does not cover screening exams. Income-based→

$50–$5k+ New York State Unclaimed Funds2 months · EasySearch your maiden name, and every address you have lived at. That is where it hides. → Varies MissingMoney.com2 months · Easy → $1,500 avg Lost 401(k) Search3 months · Some paperworkWorth ten minutes if you have ever left a job in a hurry. The average find here is larger than any bonus on this page. → Varies NAUPA State Unclaimed Property Directory2 months · EasyStart here, not with a search ad.Searching is free on every official state site. → Varies Retirement Savings Lost and Found3 months · Some paperworkThis database is new and employers report to it voluntarily, so an empty result does not mean you have nothing.Covers private-sector employer and union retirement plans only. Government plans, church plans, IRAs and Social Security are excluded. → Varies PBGC Unclaimed Pensions Search3 months · EasyWorth checking under a parent's or spouse's name too, since survivor benefits sit unclaimed here for years.Free to search and claim. You enter your last name and the last four digits of your Social Security number. → Varies Abandoned Plan Search3 months · Some paperworkThis is the search nobody knows exists.Free to search. → $686 median Unclaimed IRS Refunds for People Who Never Filed3 months · Some paperworkThe three-year clock is the whole story. Tax year 2023 returns must be filed by April 15, 2027 and tax year 2024 by April 17, 2028.You must file the actual return for that year to get the money. → Varies Undelivered and Unclaimed Tax Refund Checks1 month · EasyIf you moved and did not tell the IRS, this is the boring explanation for a refund that never showed up.Free. Check status with the IRS Where's My Refund tool or by phone, file Form 8822 to update your address, and request a refund trace for a check that was lost or stolen. → Up to $8,046 Prior-Year Earned Income Tax Credit3 months · Some paperworkThe IRS estimates a large share of people who qualify for the EITC never claim it, usually because their income was low enough that they did not file at all.For tax year 2025 the maximum credit is $649 with no qualifying children, $4,328 with one child, $7,152 with two children and $8,046 with three or more. Income-based→ Varies Treasury Hunt2 months · EasySearch a deceased parent's or grandparent's name too.Free to search. → Varies Matured Unredeemed U.S. Savings Bonds3 months · Some paperworkThis is the biggest single pool on the page and the hardest to search, which is why it stays unclaimed.Free to search. → Varies HUD/FHA Mortgage Insurance Refund3 months · EasyHUD says on its own search page that you do not need to pay anyone to collect this.Free to search and free to claim. Search by last name or FHA case number in HUD's database. → Varies FDIC Unclaimed Deposits from Failed Banks2 months · EasyTwo places to look, depending on timing. Recent failures sit with the FDIC; older ones have already been handed to a state treasurer. Check both.Free to claim. Deposits become unclaimed if the owner did not assert a claim within 18 months of the bank's failure. → Varies NCUA Unclaimed Credit Union Shares3 months · Some paperworkThe credit union version of the FDIC list, and far less known.Free to claim. → Varies NAIC Life Insurance Policy Locator6 months · EasyMost life insurance goes unclaimed because the family never knew the policy existed.Free. → Varies VA Unclaimed Insurance Funds3 months · EasyMostly older policies, so search under a veteran parent's or grandparent's name, not only your own.Free to search by name. → Varies MetLife Demutualization and Abandoned Property3 months · Some paperworkIf you or a relative held a MetLife or Prudential policy around 2000, shares were issued automatically and a lot of people never noticed.No cost to claim. → Varies FTC Consumer Refund Programs3 months · EasyScan the list for any company you have actually bought from; that is the whole method.Free. The FTC returned $337.3 million in refunds to consumers in 2024. Some programs pay automatically from company records; others require a claim by a stated deadline. → Varies CFPB Civil Penalty Fund Payments3 months · EasyCheck the case list for any bank, servicer, debt collector or payday lender you have dealt with.Free. The fund compensates eligible harmed consumers who are not expected to get full compensation directly from the company that broke the law. → Varies SEC Fair Funds and Distributions to Harmed Investors6 months · Some paperworkSlow and case-by-case, but real money. Look for the name of any firm or fund you held.Free. Funds paid by defendants to satisfy a judgment may be distributed for the benefit of harmed investors. → Varies State Attorney General Consumer Restitution6 months · Some paperworkThis is the layer most people skip because there is no single national database.Free. Every state, DC and the territories have an attorney general who acts as the chief legal officer in their jurisdiction and represents the public interest. → Varies Workers Owed Wages2 months · EasySearch every employer you have left in the last three years, especially restaurants, construction, home care, staffing agencies and franchises.Free. You search by employer name, find yourself, submit contact details, then upload a signed claim form and identity verification; payment follows in roughly six weeks. → Varies State Labor Office Unpaid Wage Claims6 months · Some paperworkYou do not need a lawyer for a small unpaid-wage claim, and most state labor offices will investigate for nothing.Free to file. The federal Labor Department publishes a list of each state and their labor office contact information. → Varies Bankruptcy Unclaimed Funds6 months · Some paperworkThere is no deadline here, which is exactly why an entire industry of court-fund locators exists to file these claims for a cut.Free to search and claim through the U.S. Bankruptcy Unclaimed Funds Locator. → Varies DOJ Asset Forfeiture Victim Petitions6 months · Real paperworkIf you were the victim of a wire fraud, romance scam or investment scheme that got prosecuted, this is where the recovered money is announced.Free to file. → Varies Past-Due Child Support Collection6 months · Real paperworkArrears do not expire in most states, and enforcement tools include tax refund interception and wage withholding that a private lawyer cannot use.Services include finding the parent, establishing parentage, enforcing the order, and reviewing and changing the order. → Up to $500/yr NYC Enhanced Real Property Tax Credit · EasyThe $200,000 ceiling is the point: this is not a low-income programme, it covers most of the city, and almost nobody claims it.New York City resident for the whole tax year, household gross income under $200,000, you or someone in your household paid rent or property tax on the residence, the residence was not fully tax-exempt, and you were not claimed as a dependent on anyone else's federal return. Income-based→

Free Cash App Taxes1 month · Some paperwork → Free NYC Free Tax Prep1 month · Some paperwork Income-based→ Free weekly AnnualCreditReport.comInstant · EasyThe only genuinely free one. Everything else advertising a “free credit report” is selling you something. → Free Credit KarmaInstant · EasyCommissionmott may earn a commission if you sign up → Free PayPal HoneyInstant · EasyIt costs nothing and sometimes finds a code, which is the whole case for it. It is not a cash-back engine, so do not count on the rewards side.Free to install. Savings depend on whether a working code exists for your cart at a participating store.Commissionmott may earn a commission if you sign up → Free IRS Free File1 month · Some paperworkYou have to enter through IRS.gov.Adjusted gross income of $89,000 or less in 2025 for the guided software. Income-based→ Free IRS Free File Fillable Forms1 month · Real paperworkThis is the option for people who already know what their return looks like.Available regardless of income. Limited calculations are performed for you and there is no state tax filing. You are responsible for choosing the correct forms. → Free federal FreeTaxUSA Federal Filing1 month · Some paperworkThe free part is real and it covers complicated returns, which is unusual.Federal return is $0.00 with every supported federal form included, at any income level. A state tax return is $15.99 each.Commissionmott may earn a commission if you sign up → Free VITA Free Tax Prep Sites1 month · Some paperworkThis is the national version of the city-run free tax prep programs.Open to people who generally make $69,000 or less, persons with disabilities, and limited English-speaking taxpayers. Income-based→ Free AARP Foundation Tax-Aide1 month · Some paperworkThe 'over 50' framing is a focus, not a rule, and younger people are often served if a site has capacity.Provided free of charge. AARP membership is not required. → Free MilTax Free Tax Filing1 month · Some paperworkFive state returns matters if you moved mid-year or your spouse works in a different state.For active-duty and reserve military members including the U.S. Coast Guard, and certain veterans. Covers a federal return and up to five state returns at no cost. → Free MyFreeTaxes1 month · Some paperworkTwo different products under one name with two different income cutoffs.Self-filing is offered for households under $84,000. Having the return prepared for you is offered for households under $67,000. Income-based→ Free Taxpayer Advocate Service3 months · Some paperworkNot a fast lane. TAS takes cases the normal IRS process has already failed, and there is usually a wait.For taxpayers with an IRS problem they have not been able to resolve through normal channels, or where IRS action is causing financial hardship. → Free or small fee Low Income Taxpayer Clinics3 months · Some paperworkThis is representation, not advice, which is the difference between a volunteer explaining a notice and a lawyer standing between you and a levy.Services are offered for free or a small fee. Income-based→ Varies Claim a Refund From a Prior Year3 months · Real paperworkThe common case: someone worked part of a year, had tax withheld, earned too little to be required to file, and never filed.You must file the return to claim a refund within 3 years of the return due date. The same window applies to credits such as the Earned Income Credit. → Free IRS Individual Online AccountInstant · EasyThe transcript alone is worth the signup.Free to create. New users must verify identity with photo identification. Shows balances by tax year, up to 5 years of payment history, digital notices, and transcripts. → Free Seven Free Equifax Credit Reports a YearInstant · EasyTwo dates matter. The seven-reports-a-year benefit runs through 2026, so use it while it exists.All U.S. consumers can get 7 free Equifax credit reports per year through 2026 at AnnualCreditReport.com.Commissionmott may earn a commission if you sign up → Free Credit Freeze and Fraud AlertInstant · Some paperworkThree separate accounts, three separate PINs, and each bureau will try to sell you monitoring on the way through.There is no cost to place or lift a credit freeze, and it does not affect your credit score. A freeze must be placed separately at Equifax, Experian, and TransUnion. → Free yearly Your Free Checking Account Report1 month · Some paperworkThis is the report almost nobody knows exists, and an old unpaid overdraft on it can keep you unbanked for years.Nationwide checking account reporting companies including ChexSystems and Early Warning Services must provide one free report per year on request. → Mostly free yearly Specialty Consumer Report List1 month · Real paperworkWorth doing before you apply for an apartment or a job, not after you get rejected.Most of the companies on the list provide a report for free every 12 months; other companies may charge a fee for your report. → Varies NFCC Nonprofit Credit Counseling1 month · Some paperworkHonest version: the first counseling session at most member agencies is free, but NFCC's own site does not state that, and the debt management plan itself is not free.NFCC is a non-profit network of member credit counseling agencies. → Free to file CFPB Consumer Complaint2 months · EasyThe reason this works is not enforcement, it is embarrassment and a clock.Free to submit. Complaints sent to companies for response are published after the company responds or after 15 days, whichever comes first. → Free IdentityTheft.govInstant · EasyThe FTC Identity Theft Report this generates is the document that forces creditors to remove fraudulent accounts.Free federal service. → Free Legal Aid Locator1 month · Some paperworkCivil only, so no criminal defense here.LSC funds 129 independent nonprofit legal aid organizations in every state, D.C., and U.S. Income-based→ Free LawHelp.orgInstant · EasyGood for figuring out whether you have a case and what the deadline is.Free legal rights resources, court forms, self-advocacy tools and referrals to nonprofit legal aid organizations in every state and territory. → Free to file State Consumer Protection Offices2 months · EasyUse this when the business is local and the CFPB has no jurisdiction: contractors, car dealers, gyms, moving companies.Free to file. Each state runs its own process and its own remedies. Refunds and restitution are not promised and depend on the state's action. → Free Benefit FinderInstant · EasyBenefits.gov now redirects here, so if you have an old bookmark this is where it lands.Free to use. → Free 211Instant · EasyThe single best first call when a bill is due and you are short.Free and confidential. Available by phone, text, web chat, email, and in person. Coverage reaches 99 percent of the U.S. → Free BenefitsCheckUpInstant · EasyBetter than the federal screener for anyone over 60 or on disability, because it goes down to state and county programs.Free and confidential. Screens for benefits based on your location and situation. → Free Medicare Plan Finder1 month · Some paperworkEntering your actual drug list is the whole trick; the premium number on its own tells you almost nothing.Free official Medicare tool. Enter your prescriptions to get an estimate of monthly and yearly cost for each plan. → Free SHIP Medicare Counseling1 month · EasyThe difference between a SHIP counselor and the person who called you about your Medicare benefits is that the counselor earns nothing either way.One-on-one counseling from a trusted, unbiased source, provided in person and by phone at no charge to the beneficiary. Funded by the Administration for Community Living. → Free my Social Security AccountInstant · EasyThe earnings record check is the part that pays.Free to create. Lets you review earnings for accuracy, estimate benefits you could receive at different ages, request a replacement card, and manage direct deposit. → Free Eldercare LocatorInstant · EasyThis is the front door to the Older Americans Act network, which is where home-delivered meals, ride programs, and respite care actually live.A public service of the Administration for Community Living, free to use. Call 1-800-677-1116 or search online by ZIP code. → Free HUD-Approved Housing Counseling1 month · Some paperworkForeclosure prevention counseling is free by rule.HUD-approved housing counseling agencies provide foreclosure prevention counseling free of charge. → Free Tenant Rights by StateInstant · EasyTenant law is almost entirely state and city law, so a national page can only point you at the right door.Free to use. Links to the state agency that addresses tenant rights, your attorney general, and state tenant handbooks. → Free HealthCare.gov Find Local Help1 month · EasyThe subsidy calculation is where people lose money, usually by guessing income wrong or missing that they qualify for cost-sharing reductions on a silver plan.Assistance is offered at no cost with both the application process and with picking and enrolling in a plan. → Free Patient Advocate Foundation Case Management3 months · Some paperworkYou need a qualifying diagnosis, so this is not general billing help.Case management is provided at no charge to eligible patients. Serves Americans with chronic, life threatening and debilitating illnesses. → Free LibbyInstant · EasyThe magazines are the underrated part: full current issues, no hold list, at a cover price of about $6 each.Free with a library card from a participating library. No subscription and no card on file. → Free or reduced Museums for AllInstant · EasyCheck the specific museum's page before you go, because 'reduced' can mean $1 or $3 per person and the number of people covered varies.For people receiving food assistance through SNAP. Admission is free or reduced depending on the museum, on presentation of an EBT card and photo ID. Income-based→ Free entry National Park Fee-Free DaysInstant · EasyEntrance fee only.2026 fee-free days are February 16, May 25, June 14, July 3 to 5, August 25, September 17, October 27, and November 11. → Free Every Kid Outdoors Fourth Grade PassInstant · EasyThe paper pass is printed by the child answering a short activity, and it can be swapped for a plastic pass at many park entrances.For fourth graders, valid for one school year including the following summer. Provides free access to hundreds of parks, lands, and waters for the family in the vehicle. Student→ Free USPS Informed DeliveryInstant · EasyThis is a quiet fraud tripwire.Free USPS service. Shows preview images of incoming letter mail and status updates for incoming and outbound packages. → Free NAIC Consumer Insurance SearchInstant · EasyThe complaint record is the number nobody shows you on a quote page, and it is the difference between a cheap policy and a cheap policy that fights you at claim time.Free tools run by the state insurance regulators. →

$8–$12/hr ProlificInstant · EasyThe most honest payer of the survey sites here. There is an enforced floor of $8 an hour. The good studies go fast. → $10/test UserTesting1 week · Easy → +$30 Rakuten3 months · EasyBonus paid after a qualifying purchase made through Rakuten. Terms set by Rakuten.Commissionmott may earn a commission if you sign up → +$5 Swagbucks1 week · EasyBonus paid after completing the sign-up steps Swagbucks sets. Terms set by Swagbucks.Commissionmott may earn a commission if you sign up → +$10 Rakuten Welcome Bonus3 months · EasyRakuten pays out every three months, not on demand, so money earned in January lands in May.Open to new members only, one bonus per member. You must shop through Rakuten and make qualifying purchases of at least $25 within 90 days of joining.Commissionmott may earn a commission if you sign up → Varies Ibotta1 month · Some paperworkRealistically $5 to $15 a month unless you rebuild your shopping list around the offers.Earnings must reach a threshold of at least $20 before you can withdraw to a bank account, to PayPal, or as a digital gift card.Commissionmott may earn a commission if you sign up → Varies Fetch1 month · EasyPayout is gift cards, not money in a bank account.Every receipt earns at least 25 points, and roughly 1,000 points is about $1 in gift cards.Commissionmott may earn a commission if you sign up → Varies UpsideInstant · Some paperworkThe $255 figure is for frequent users, meaning people who reroute their fill-ups to whichever station Upside is paying that day.You must claim the offer in the app before the purchase and then submit the receipt or use a linked card.Commissionmott may earn a commission if you sign up → Varies TopCashback3 months · EasyRates are usually the highest of the big portals because TopCashback passes on most of its commission and makes its money elsewhere.Rates are set per retailer and shown before you click through. Cash out with no minimum balance required.Commissionmott may earn a commission if you sign up → +$10 BeFrugal Sign-Up Bonus3 months · EasyThe bonus is back-loaded. No $20 of confirmed cash back inside twelve months means no $10.To qualify for the $10 Sign-Up Bonus you must be a new member and earn $20 in Cash Back within one year of becoming a BeFrugal member.Commissionmott may earn a commission if you sign up → Varies Swagbucks Shop1 month · EasyUse the shopping side and ignore the surveys. Survey screen-outs are common and the effective hourly rate on them is well under minimum wage.Rewards are denominated in SB; 1000 SB is $10. The site advertises a $10 bonus for new members subject to its posted terms.Commissionmott may earn a commission if you sign up → Varies Receipt Hog6 months · EasySlow money. 1,000 coins is $5, and most people cash out only a few times a year.The minimum to cash out is 1,000 coins, which is a $5 reward, redeemable for PayPal, an Amazon gift card or a Visa gift card.Commissionmott may earn a commission if you sign up → Varies Checkout 512 months · Some paperworkFewer offers than Ibotta and a hard $20 wall before any money moves.Once your account balance reaches $20 you can exchange your cash back for an equivalent amount of money by PayPal, Venmo (US only) or a mailed check.Commissionmott may earn a commission if you sign up → Varies Coupons.com Cashback2 months · EasyThe printable and digital coupon side is free and useful.Rates are set per retailer as a percentage or a dollar amount. You must register an account and activate the offer before shopping for it to count.Commissionmott may earn a commission if you sign up → Varies Capital One Shopping1 month · EasyThe price comparison and code testing are the genuinely useful parts.Free to use and open to people who are not Capital One customers.Commissionmott may earn a commission if you sign up → Varies Twitch Affiliate Program3 months · Real paperworkThe 3-average-concurrent-viewers bar is the one that stops most people, and it is an average over 30 days, not a peak.Twitch's stated Affiliate criteria are at least 500 total minutes broadcast in the last 30 days, at least 7 unique broadcast days in the last 30 days, an average of 3 concurrent viewers or more over the last 30 days, and at least 50 followers. → Varies YouTube Partner Program6 months · Real paperwork10 million Shorts views in 90 days is a far harder route than it sounds. That is roughly 110,000 views a day.YouTube states the thresholds as 1,000 subscribers with 4,000 qualified public watch hours in the last 12 months, or 1,000 subscribers with 10 million qualified public Shorts views in the last 90 days. → $4.75 per sub Kick Subscriptions Revenue Split3 months · Real paperworkThe 95/5 split is genuinely better than Twitch's standard 50/50, but the split only matters if people actually subscribe.Kick states subscriptions are a flat $5 per month, of which the streamer receives $4.75 and $0.25 is a processing fee. → $162 per 30,000 Robux Roblox Developer Exchange (DevEx)6 months · Real paperworkOnly Robux you earned counts. Robux you bought or were gifted cannot be exchanged.Roblox requires a minimum of 30,000 earned Robux in the account, being 13 years of age or older, a verified email address, and a DevEx portal account. → Varies Fortnite Creator Engagement Payouts3 months · Real paperworkRead the eligibility again: you have to have spent $20 of your own money in the Epic ecosystem in the past year before Epic will pay you anything.Epic states that forty percent of the eligible net revenue from Fortnite's Item Shop and related real-money purchases is placed into an Engagement Pool that is divided among eligible islands. → $5–$9 per test PlaytestCloud Playtester1 month · EasyThis is one of the few in the category with a real hourly rate. $5 to $9 for about 15 minutes works out to $20–$36 an hour.PlaytestCloud states a 15 minute playtest and survey will generally have a reward of $5-9 USD, that reward amounts vary by task and test length and are stated in the invitation email, and that recording for longer than required does not increase the reward.Commissionmott may earn a commission if you sign up → ~$40 per session Player Research Playtests2 months · EasyUS residents can only realistically do the remote sessions. The two labs are in England and Quebec.Player Research states it typically pays around £30 GBP or $50 CAD for an hour-long session and pays more for longer sessions, and notes this is not an hourly rate. → Varies Antidote Game Tester2 months · EasyAntidote does not publish a rate anywhere. You find out what a test pays only when you are invited to it.Antidote states that once you are invited to a playtest, compensation is described in that project's description and varies based on developer preferences. → 5,000 points = $5 Microsoft Rewards on Xbox1 month · EasyThe real math: 5,000 points is $5, so a point is a tenth of a cent.Microsoft states points are earned by playing games, completing quests and claiming daily, and by purchasing games and add-ons at the Store, with 4x points for Game Pass Ultimate subscribers and 2x for Game Pass Premium. → 1 point per $1 Google Play PointsInstant · EasyThis only pays you back on money you already spent in the Play Store, so it is a rebate, not earnings.Google states that at the Bronze level you earn 1 point per $1 USD on all purchases, and 1.10 points per $1 USD at Silver. → 5%–20% back Epic RewardsInstant · EasyIt is store credit inside Epic's walled garden, so it only counts as money if you were going to buy Epic games anyway.Epic states you earn from 5% to 20% back with Epic Rewards on eligible Epic Games Store purchases, and that this covers Epic Games Store purchases or any purchases you make in games using Epic's payment system on PC, iOS, Android and the web. → Free Epic Games Store Weekly Free GameInstant · EasyThe real value depends entirely on whether you would ever have bought these games. Titles range from $5 indies to occasional $60 releases.Epic states it gives a free game every week, released every Thursday on Mobile and PC, and that you claim and download the game and it is yours forever. → Included with Prime Prime GamingInstant · EasyThis is only free if you already pay for Prime for other reasons.Amazon states Prime members can claim at least one game per week, including classic titles and indie games, and that Prime Gaming offers free in-game content at no additional cost across PC, console and mobile.Commissionmott may earn a commission if you sign up → Free GOG GiveawaysInstant · EasyUnlike Epic, GOG does not run these on a fixed weekly schedule.GOG's giveaways run for a stated limited window.Commissionmott may earn a commission if you sign up → In-game items only Discord Quests and OrbsInstant · EasyBe clear-eyed: Discord says outright that Orbs cannot be converted to real money.Discord states Quests are a way for players to discover games and new content while earning rewards for playing, streaming, or watching videos on Discord, and that rewards vary by Quest and can include redemption codes for partnered games, avatar decorations and Orbs. → Steam credit only Steam Community MarketInstant · Some paperworkThe thing people get wrong: this is not a way to turn skins into cash.Valve's Subscriber Agreement states that funds added to the Steam Wallet are non-refundable and non-transferable, that Steam Wallet funds have no cash value and are not exchangeable for cash, and that they can only be used to order Subscriptions and related content via Steam. → Varies My Nintendo Platinum Points1 month · EasyThe part worth knowing: Gold Points, which were the ones that discounted eShop purchases, stopped being earnable on March 25, 2026.Nintendo states that Platinum Points are earned by completing My Nintendo missions, including missions on the My Nintendo website, missions inside Nintendo smartphone apps, and Nintendo Switch Online member missions on Nintendo Switch 2 or Switch. → Varies Freecash1 week · Some paperworkFreecash used to state that 1,000 coins was $1.Minimum cashout varies by region, from $5 to $25. Freecash no longer publishes what a coin is worth in dollars.Commissionmott may earn a commission if you sign up → Cashout from $0.20 Cash Giraffe1 week · Some paperworkThe $0.20 minimum cashout is not generosity. It exists because that is the order of magnitude people actually accumulate.Cash Giraffe states that gems are the in-app virtual currency earned by playing games and completing tasks, that they are not real money in your app account, and that they convert 1:1 into real money or gift cards when you redeem them.Commissionmott may earn a commission if you sign up → $550/yr cap Mistplay1 month · Some paperworkMistplay does not publish a unit-to-dollar rate anywhere.Mistplay's Economy Disclosure states that when you have enough units, you can redeem them for rewards or gift cards with a total maximum value of $550.00 USD per year.Commissionmott may earn a commission if you sign up → Varies JustPlay1 month · Some paperworkTheir own terms are the warning label: JustPlay states it does not guarantee profits and that you are not entitled to any particular Reward.JustPlay's terms state that coins achieved through playing the Preset Gaming Apps will be periodically converted into real currency amounts during defined cash-out periods, that JustPlay does not guarantee profits or specific payouts, and that the user shall not be entitled to be paid a particular or defined Reward.Commissionmott may earn a commission if you sign up → Varies Repeat.gg Free Tournaments1 week · Some paperworkStick to the Free Tournaments. Repeat.gg also runs cash-entry tournaments where you stake your own money to compete.Repeat.gg states that in Free Tournaments entry is free and you have a chance to win cash, coins and prizes, and that only your best three matches count.Commissionmott may earn a commission if you sign up → Varies Battlefy Tournaments1 month · Some paperworkBattlefy itself pays nothing. It is a listing board.Battlefy describes itself as the simplest way to start, manage, and find esports tournaments. → Varies Challengermode Tournaments1 month · Some paperworkChallengermode does not publish a general prize schedule, so 'cash prizes' means whatever a specific organiser posted.Challengermode describes itself as a competition management platform for gaming and beyond, running tournaments, matchmaking, and gamification across 200+ games and 80+ countries, and states it is free to start. → Varies FACEIT Tournaments1 month · Some paperworkFACEIT absorbed ESL Play, which shut down, so this is now the main free amateur ladder for several games.FACEIT describes itself as where competitive players grind matchmaking or team competitions, find teammates, and prove their level. → $8–$12/hr Prolific Research Studies1 week · EasyThe $8/hr floor is real and enforced, which puts Prolific ahead of almost everything else here.Prolific enforces a minimum reward rate of £6/$8 per hour and recommends researchers pay £9/$12 per hour. Studies are paid after the researcher approves your submission. → $50–$250/study Respondent Paid Studies1 week · Some paperworkThe big numbers here are for B2B professionals. The $400+ sessions want VPs and buyers of specific software.Respondent states most sessions pay $50–$250 depending on length and seniority, most studies pay between $50 and $400+, and lists $75 as the average payout. → ~$45/study avg User Interviews Studies1 week · EasyThe average is real but the distribution is brutal: the $1,500 studies are multi-week medical or B2B projects, and most people see $30–$75 interviews.User Interviews states the average study pays over $45 and lists ranges by format: online research $20–$1500+, focus groups $40–$200+, 1-on-1 interviews $20–$300+, diary studies $55–$400+, surveys and user testing $20–$300+.Commissionmott may earn a commission if you sign up → $5–$50/survey Wynter B2B Message Testing Panel1 week · EasyBest per-minute rate in this whole category. $15 for a 5-minute survey is not nothing. The problem is frequency.Wynter states it pays $5–$50 per study depending on seniority and study length: $25–$50 for senior leadership (VP, SVP, C-suite), $15–$30 for manager-to-director level, and $5–$20 for individual contributors. → Varies CloudResearch ConnectInstant · EasyThe live study cards on CloudResearch's own page show rates like $15/hr for a 12-minute survey ($3.00) and $16/hr for a 30-minute one ($8.00).Pay is set per study by the researcher. → $10–$60/session PlaybookUX Tester1 week · EasyOne of the few platforms that publishes a flat rate schedule, which is worth something.PlaybookUX publishes fixed rates: $10 for a 10–15 minute unmoderated session, $30 for a 30-minute moderated interview, $60 for a 60-minute moderated interview, $2 per card sort and $2 per tree test.Commissionmott may earn a commission if you sign up → $10–$50/test Userlytics Paid Tester1 month · EasyThe $10–$50 band is the published range, not what you should expect: most open invitations sit at the bottom of it, and a 40-minute test at $10 is $15/hr before the unpaid screener.Userlytics states an incentive range of $10–$50 per study. Typical user tests require 20 to 40 minutes to complete.Commissionmott may earn a commission if you sign up → €10+/hr Testbirds Nest1 month · Some paperworkTestbirds is a German company and it pays in euros, so a US tester eats the currency conversion and any PayPal fee.Testbirds states usability tests carry a fixed payment that could be 10 Euros, 50 Euros or more depending on complexity, and bug tests pay per unique bug, usually 1 Euro for low severity and 5 Euros for critical bugs. → $10/20-min test Userfeel Tester1 week · EasyA clean $30/hr-equivalent rate card, published openly, which is rare. The realistic problem is volume.Userfeel publishes a fixed rate card: $3 for 5-minute tests, $10 for 20-minute tests, $20 for 40-minute tests and $30 for 60-minute tests. Most tests are 20 minutes. → $5/test video Userbrain Tester1 week · Easy$5 flat regardless of whether the test takes 5 minutes or 20, so a long test is $15/hr and a short one is $60/hr, and you do not always know which you are getting.Userbrain pays $5 for every approved video. A typical test video lasts between 5 and 20 minutes. You can request a PayPal payout once your account reaches $10. → $120/hr Rare Patient Voice1 month · EasyThe highest published hourly rate in this category by a wide margin, and it is real, but it is gated on having a condition a pharma client is currently studying.Rare Patient Voice states that as of 2023, for new studies, patients and family caregivers are paid at a rate of $120 per hour (typically). → $5–$10/verdict eJury Online Mock Juror1 month · EasyeJury's own survey of jurors who read a 6-page case put the average at 35 minutes, so $5–$10 works out to roughly $9–$17/hr while you are actually working.eJury states eJurors are paid $5–$10 per verdict rendered, depending on case length. Cases are posted by county; you must be at least 18, a U.S. → $30–$350/case OnlineVerdict Mock Juror1 month · Some paperworkThe $350 end is a multi-hour mock trial, not a survey. Most invitations are at the low end.OnlineVerdict states typical pay is $30-$350, varying by the type of involvement (surveys, focus groups, mock trials). → $0.40–$1.10/audio min Rev Freelance Transcription and Captioning1 week · Real paperworkRead the unit carefully: that is per minute of audio, not per minute of your time.Rev publishes per-audio-minute rates: transcriptionist $0.40–$1.10, captioner $0.54–$1.10, legal transcriptionist $0.55–$2.00+, subtitle translator $1.70–$4.00+ with rates varying by language.Commissionmott may earn a commission if you sign up → Up to $1.75/audio min GoTranscript Transcription Jobs1 week · Real paperwork'Up to $1.75' is the ceiling for hard or in-demand languages; standard English files sit far below it. Same unit trap as Rev.GoTranscript states you can earn up to $1.75 per minute, with pay varying by language demand, available jobs, speed, accuracy and task complexity.Commissionmott may earn a commission if you sign up → From $20/audio hr TranscribeMe Transcription Work1 week · Real paperwork$20 per audio hour is the entry rate, and one audio hour takes a beginner three to five hours to type, so the honest starting figure is $4 to $7 an hour of your actual time.TranscribeMe states pay starts at $20 per audio hour, with higher rates per audio hour for specialized industries such as Legal and Medical/Healthcare. → Up to $800 first month CSL Plasma Donor CompensationInstant · Some paperworkThis is real money and it lands the same day, but be clear about what it costs you.CSL Plasma advertises up to $100 for your first donation and up to $800 in your first month as a new donor; both figures carry the disclaimer that they vary by location and are subject to change. → Up to $800 / 8 donations BioLife Plasma New Donor CompensationInstant · Some paperworkThe exact schedule above is one center's offer, not a national rate.BioLife's Tampa, FL center page states new donors could earn up to $800 in 8 donations, paid as $90, $90, $90, $100, $100, $110, $110 and $110. → Up to $720 first month Grifols Biomat USA New Donor CompensationInstant · Some paperworkNote the condition: eight donations inside 30 days. Miss the window or get deferred once for low protein and the promo total drops.Grifols' Orem, UT center page states: Earn up to $720 in your first month, with special compensation for your first 8 donations completed within 30 days, plus a $100 refer-a-friend bonus. → Up to $750 / 35 days Octapharma Plasma New Donor CompensationInstant · Some paperworkThe $750 assumes you hit close to the maximum schedule. Twice a week for five weeks, and that your center is running the top promotion.Octapharma states new donors can earn up to $750 in the first 35 days with new donor promotions, and marks that figure 'May vary by location and change without notice.' Eligible donors can donate up to two times per week with at least 2 days between donations, subject to remaining eligible and healthy. → ~$1/min average dscout Missions1 week · Some paperworkA dollar a minute is a good average. The honest caveat is that you have to be picked.dscout states $1 average dollars earned per minute and $13M cash distributed in 2025 across 20K+ missions completed. → Varies UserTesting Contributor1 month · EasyThis is the biggest name in the category and it stopped publishing what it pays, which tells you something.UserTesting no longer publishes rates.Commissionmott may earn a commission if you sign up → Varies Trymata User Tester1 week · EasyTrymata is unusually candid about the scale of this: its own tester FAQ calls it 'a way to make a few bucks doing something fun in your spare time' and says to expect a couple of tests a week.Trymata does not publish a rate card. Payment is set per test and shown before you accept. → Varies Clickworker Microtasks1 week · Some paperworkClickworker's own support page says it plainly: working there 'should not be considered a substitute for full-time employment or self-employment.' Most available tasks are the cent-amount kind, and after unpaid assessments and time spent hunting for available work, a realistic month is often $20–$60.Clickworker sets a fixed fee per task, published before you start, based on estimated processing time, difficulty, text length, research required and specialist knowledge.Commissionmott may earn a commission if you sign up → Varies CrowdGen by Appen1 month · Some paperworkAppen was the biggest name in search-evaluation work and its US project volume has fallen a long way as clients moved in-house.Appen does not publish rates. → Varies TELUS Digital AI Community1 month · Some paperworkThe qualification exam is the barrier everyone underestimates: it is unpaid, takes several hours of studying a long guidelines document, and you get limited attempts.TELUS Digital does not publish a rate. → Varies OneForma Crowd Projects1 month · Some paperworkThe good part is structural: no payout minimum and no fees, which is better than most of this category.OneForma does not publish a rate card. → Varies Fieldwork Market Research Studies1 month · Some paperworkFieldwork is one of the long-established recruiters and the studies are real, but it publishes no figures, so treat any dollar amount you have seen quoted elsewhere as unverified.Fieldwork does not publish incentive amounts; the amount for each study is disclosed when you are screened. → Varies Focus Group by Sago1 month · Some paperworkLarge, long-running and legitimate, but Sago publishes no rate.Sago does not publish incentive amounts on its panel page; the amount is stated per study during screening and varies by study type and length. → Varies ResearchMatch Volunteer Registry6 months · EasyBe clear on what this is: ResearchMatch pays you nothing. It is a matching list.ResearchMatch is a nonprofit program funded by the National Institutes of Health, operated by Vanderbilt University Medical Center, and free to join. → Varies ClinicalTrials.gov Trial Search6 months · Real paperworkThis is a directory, not an offer. NIH says outright that a study being listed does not mean the government has evaluated it.ClinicalTrials.gov is a searchable registry and results database of federally and privately supported clinical trials, giving information about a trial's purpose, who may participate, locations and phone numbers. →