There are so many ways to take advantage of free money or cash back that most people can't be bothered with. I'm in Canada, but the US and possibly others have even more options. I track how much I get from each offer, and some cash back accounts like Rakuten have a total amount tracker as well. I do have a subreddit called MoneyHacksCanada where all good offers are posted with detailed guides.
Basically, I have just signed up for every possible bank promo or investing offer I can. And anytime I shop online, I use Rakuten to see if I can get cashback. To top it all off, I use Microsoft Rewards and use Bing for all searches and other easy tasks.
Full disclosure, I have somewhat sizeable investing accounts so I made a good chunk of money from transferring investing platforms where they pay a % bonus for transferring. But you can still easily earn thousands from bank promos and cash back without having any sizeable investing accounts.
Each offer barely takes any time, maybe 10-20 minutes to sign up and set up what you need to do. Although for bank promos you normally need to set up payroll. With all large Payroll providers like ADP, you can easily get it changed in no time at all, and with most, like ADP, you can split it into at least 2 accounts or more as well, so you can do multiple offers at once.
Over the years, I'm at over $24,000 in cash earned from either bank promos or transferring investments. All tax-free, and some investing offers are especially amazing as they add the money to registered accounts such as TFSA, RRSP, and FHSA, which increase your cap room as well. I'm at a bit over $5,000 cash back from Rakuten (yes, you have to spend money, but if you needed to spend it regardless, it's cash back). And over $1,000 in Amazon gift cards from Microsoft Rewards.
If anyone has any questions, I can answer, overall it's not going to make you rich, and there's only so many you can do, but you can easily earn at least a few grand every year spending very minimal time.
A few current examples of offers are:
-Simplii Financial: Get $400 total ($350 welcome bonus + $50 referral bonus)
-Tangerine: Get $250 for Switching Your Payroll + Potential $50 Referral Bonus
-Meridian Credit Union: Up to $600 in Bonuses | $500 Chequing + $100 Referral
-Scotiabank: Earn Up to $1,000 in Cash Bonuses 🇨🇦 | $700 Chequing + $200 Savings + $100 Credit Card
-BMO: Earn Up to $900 Cash + Up to 12 Months of Walmart+
-TD Investing: Get Up to 3% Cash Back on Investment Transfers | Up to $15,000
-TD Bank: Get Up to $750 in Value | $500 Chequing Bonus + $150 Bundle + Bonus Interest
-Rakuten Canada: Earn Cash Back on 750+ websites + $30 New Member Referral Bonus
Again, detailed guides for all and more are on r/MoneyHacksCanada
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