Spruce Money Offering $100 Signup Bonus
Spruce Money is offering an easy $100 bonus for new accounts. This is a mobile banking fintech by H&R Block that provides spending, savings, and budgeting tools. Banking services are provided through Pathward®, N.A., Member FDIC.
They also have a referral program where the person referring gets $100 fore everyone they invite, up to a maximum of 5 referrals. Let’s see how it all works.
Signup Bonus
Earn $100 with a new Spruce account:
- Open a new Spruce Account by April 15, 2026 using a valid and unexpired referral link.
- Receive $200 in qualifying direct deposits and activate Spruce debit card within 45 days.
- $100 bonus will be deposited into your Spruce Spending Account within 7 business days after all requirements are completed.
Key Terms
- Not available for residents of Washington state.
- Offer may be modified or discontinued at any time.
Referral Bonus
Once you create you account, you can generate a referral link and invite friends and family members to join as well. They get the $100 bonus we covered above, and you get $100 for every referral, up to maximum of 5 referral.
In two player mode, you can get a total of $300. Sign up for yourself and get $100 bonus, then refer your P2 and get another $100 referral and they get a $100 bonus.
Conclusion
This Spruce bonus is only $100 but it’s also easy to open the account. It takes just a few seconds. It requires a $200 direct deposit. We do not have any data points on what ACHs may trigger it, so please share datapoints in the comments to help us and other readers get this $100.
