We read this on Doctor of Credit (September 2026 roundup) and haven’t located Spruce Money’s own promotion page. Search their site before acting on it.
How to get it
3 steps, in order. Tick them off as you go.
Your ticks stay in this browser. Nothing is sent anywhere, and the dates land on your calendar automatically once you start.
Payout timeline
- Day 0Sign up and verify
Account opened, identity confirmed.
- After conditions are met$100 credited
Providers rarely publish a payout window. Community reports will fill this in.
Difficulty
Common offer, a couple of straightforward steps.
Offer details
- Required deposit
- Not stated
- Hold period
- None stated
- Setup time
- about 8 minutes
- Difficulty
- Medium
- Eligibility
- Resident in United States
- Closes
- No published end date
- Where we read these figures
- Doctor of Credit (September 2026 roundup) read 2026-09-16
Start tracking it
We’ll hold the dates that matter. When your money unlocks, when the offer closes — so you don’t have to keep them in a calendar reminder.
Community reports
Whether it paid, and how long it took. Nobody has reported on Spruce Money yet, if you’ve been through it, you’d be the first.
Report what happened →Similar in United States
$2,000+ monthly spend for 3 months on Bluevine Business Checking. Nationwide. No further terms stated on the source page.
Open a Percapita Cash Account (one of the first 7,000 new customers) and spend $300 or more per calendar month on the Percapita Visa debit card for each of the first 12 months — $25 per qualifying month. Additional $10 for opening a Goals Account within 30 days. Account must stay open with a balance above zero each month. ATM withdrawals, cash substitutes (gift cards, casino chips, money orders), and P2P/account-funding transfers are excluded. No direct deposit required; soft pull; no monthly fee.
Both the referrer and the referred person get $100. The referred person must open a Current Account using the unique invite link or referral code and receive an Eligible Payroll Deposit of $200 or more within the first 45 days. Paid within ten business days after the qualifying payroll deposit lands. Referrers may earn no more than $1,000.00 in Referral Rewards per calendar year. Cannot be combined with other enrolment bonuses. Terms effective September 18, 2025.
Direct deposits of $1,000-$5,000+ within 25 days, tiered