Fine Print Doctor
Independent bonus guides · 2026

We read the fine print so you collect all of it.

Every sign-up bonus advertises its ceiling and pays most people its minimum. The difference is fine print: hidden deadlines, tier cliffs, excluded actions. We read the actual terms and map every payout, so you collect everything your signup qualifies for.

Browse the offers How we work
Realistic numbers first Ceilings labeled as ceilings Every trap listed
Fully examined

The offers, with the fine print read

Each guide shows what you actually get, what the ceiling really requires, and the conditions that quietly zero the bonus out. Realistic value first, always.

N Nexo The big one
$5–$600in NEXO Token; $600 is the $100k ceiling

Move $5,000+ within 45 days. Three separate payouts (deposit, exchange, borrow); most people collect only the smallest.

Paid in: Volatile token ~45 days High bar, high ceiling
Read the full guide
S SoFi Best cash offer
$50–$400cash; $400 needs $5k+ of real payroll direct deposit

Route eligible direct deposits within 25 days: $1,000+ pays $50, $5,000+ pays $400. Venmo and self-transfers pay $0.

Paid in: Cash (USD) ~1 month Needs your paycheck
Read the full guide
C Coinbase Skip the referral link
$10–$100in BTC for 99% of people; 1% draw $1,000–$2,000

One single $50+ first purchase within a year. Fine print twist: a referral link voids this, so sign up direct.

Paid in: Bitcoin Days Low effort
Read the full guide
B Binance.US The easy one
$10 + $10you and your friend, flat

Trade $100 within 30 days of verification. That is the whole requirement.

Paid in: Cash (USD) Days Low effort
Read the full guide
R Robinhood Genuinely free
$5for ~99% of people; $200 is the 1-in-1,000 ceiling

Sign up through any referral link, get approved, link a bank. No deposit needed, which makes it genuinely free.

Paid in: Gift stock Days (plus lock-ups) Zero deposit
Read the full guide
W Webull Count the floor
~$60–$200our estimate for 20 shares; $3,000/share is the unpublished-odds ceiling

Deposit $500+ for 20 fractional shares ($100+ for 3) and keep the money there 12 months.

Paid in: Fractional shares Days to claim, 1yr hold Long maintenance
Read the full guide
M Moomoo The lock-up one
$30–$1,000in NVDA; $1,000 needs $100k parked up to 180 days

Deposit $500+ and maintain the balance 60 to 180 days. Withdraw below your tier early and the stock is forfeited.

Paid in: NVDA stock 60–180 days Strict lock-up
Read the full guide

Every figure above was verified against the offer’s official terms on July 17, 2026. Terms rotate; each guide prints its own verification date and links to the official source.

Start here

Which offer fits you?

The right bonus depends on what you were already going to do, not on which headline is biggest. Find your situation.

1
“I don’t want to touch crypto at all.”Go straight to SoFi: real cash, into a real bank account, $50 to $400 if you’re open to switching where your paycheck lands.
2
“I have $50 to $100 and want to try crypto anyway.”Coinbase (sign up direct, one $50+ buy) or Binance.US ($100 trade, $10 each side). Both pay in days.
3
“I want something free with zero deposit.”Robinhood is the only genuinely free one here: a gift stock (almost always $5) for opening an account and linking a bank.
4
“My money was going to sit in a brokerage anyway.”Webull (12-month hold) or moomoo (60 to 180 day tiers) turn parked money into free stock. Read the lock-up rules first.
5
“I’m already moving $5,000+ into crypto.”Nexo has the highest ceiling on this site, but it’s three separate payouts with a Day-15 deadline. Read the guide before depositing.
Side by side

All seven, one honest table

Realistic value first, ceiling labeled, and what the money is actually paid in.

OfferYou doMost people getCeiling (labeled)Paid inSpeed
Nexo Move $5,000+ in 45 days, three tasks $5 to $100 typical $600 at $100k volume Volatile token ~45 days
SoFi Real payroll direct deposit in 25 days $50 at $1k $400 at $5k+ payroll Cash (USD) ~1 month
Coinbase One single $50+ first buy (no referral link) $10 to $100 in BTC $2,000 (1% draw) Bitcoin Days
Binance.US Trade $100 in 30 days $10 flat $10 (flat) Cash (USD) Days
Robinhood New account + link a bank, $0 deposit $5 gift stock $200 (0.1% draw) Gift stock Days (plus lock-ups)
Webull Deposit $500+, hold 12 months ~$60 to $200 in shares $3,000/share (odds unpublished) Fractional shares Days to claim, 1yr hold
Moomoo Deposit $500+, hold 60 to 180 days $30 to $100 in NVDA $1,000 at $100k held 6 months NVDA stock 60–180 days
The method

How every guide gets written

The same three-step examination, for every offer, before a single word of advice.

1. Read the actual terms

Not a blog post about the terms. The program's own current rules, verified on the official page, with the verification date printed at the bottom of the guide.

2. Find where the money hides

Most bonuses are several payouts wearing one headline. We map every payout, its deadline, its excluded actions, and the tier cliffs where one dollar changes everything.

3. List the traps before the button

Every way people lose the bonus goes on the page above the signup link, not below it. If an offer only makes sense for money you were moving anyway, the guide says so.

Why trust this site

Honest by construction

What we always do

  • Lead with the realistic number, not the ceiling. The $600 headline gets labeled "the $100k ceiling" in the same sentence.
  • List every bonus-killing condition before any signup button.
  • Print the date the terms were last verified on every guide.
  • Disclose referral links plainly on every page that has one.

What we never do

  • Imply everyone gets the maximum. Almost nobody does; the guides show what most people actually collect.
  • Recommend moving money just to chase a bonus. If it only works for money already headed there, we say exactly that.
  • Hide the downsides. Regulatory history, volatile-token payouts, and missing FDIC insurance are stated up front.
Fair questions

About this site

What is Fine Print Doctor?
An independent guide to sign-up and referral bonuses. Every offer page reads the actual program terms, shows the realistic payout next to the advertised ceiling, and lists the conditions that quietly shrink or void the bonus.
Why do most people collect less than the advertised bonus?
The advertised number is usually a ceiling behind conditions in small text: deposit tiers, holding periods, excluded actions, hidden deadlines. Do only the obvious step and you get the minimum. The guides map every payout condition so nothing is left unclaimed.
How does this site make money?
Some guides contain a personal referral link. Sign up through one and qualify, and the program pays a referral reward at no cost to you, and usually pays you the same or more. Every page discloses this, and the advice never depends on it.
Do referral links change what I get?
No. For every offer here, the bonus table is identical for every link and code. Anyone claiming a "special code with a bigger bonus" is making it up; the guides tell you when that scam is circulating for an offer.
Are sign-up bonuses taxable?
In the US, generally yes: taxable income at fair market value when received, and platforms may issue tax forms. Note the date and value when a bonus lands. General information, not tax advice.

Collect the whole thing

Pick an offer that fits something you were already doing, read its guide for five minutes, and collect the full bonus instead of the default minimum. That is the entire idea.

Browse the offers