I have partnered with TradeUP to offer new users an EXCLUSIVE welcome bonus where you can get up to 50 free Nvidia ($NVDA) shares when you open a TradeUP account. The more you deposit or transfer, the more shares you earn!
Plus, you can get up to an additional 5 free stocks based on your deposit, AND if you transfer an external brokerage account over to TradeUP, you’re eligible to receive up to a 3% cash back bonus based on your total value of your assets transferred along with up to $300 in transfer fee reimbursement.
Full details on this promotion and all other TradeUP offers and bonuses below.
This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
New users will earn up to 50 free shares of NVDA when they open a TradeUP account using the promo code “NINJA” and make deposits and transfers that reach one of the following bonus tiers:
| Total Deposit (USD) | NVDA Shares |
| $2,000 | 1 share |
| $10,000 | 2 shares |
| $50,000 | 5 shares |
| $200,000 | 12 shares |
| $500,000 | 24 shares |
| $1,000,000 | 50 shares |
This offer is valid until May 31, 2026. You must either use the links found on this page or add the promo code “NINJA” during account opening. Using any other promo or referral codes will void the bonus.
Step-by-Step Directions
- Open a TradeUP account and have the bonus automatically added using this link OR enter promo code NINJA during account registration if you have downloaded the app already.
- Make deposit(s) and/or ACATS transfers that total at least $2,000 before the end of the promotion and maintain the amount for at least 30 days.
- Receive your first share credited to your account on the last business day of the month, following 15 days after all conditions are met.
| NVDA Shares | Stock Distribution Schedule |
| 1 | 1 share on the last business day of the calendar month following 15 calendar days after the qualifying deposit is completed |
| 2 | 1 per month for 2 months |
| 5 | 1 per month for 5 months |
| 12 | 1 per month for 12 months |
| 24 | 1 per month for 24 months |
| 50 | 1 per month for 24 months, all other shares distributed on the last day of the 24th month |
Free stock promotion is available for US customers only. NVDA shares can be freely traded or held.
The qualifying deposit amount refers to the total of all settled cash deposits and completed ACATS Transfers made into a user’s account during the campaign period. Pending deposits, failed or reversed transfers, margin or internal transfers, and proceeds from the sale or redemption of any promotional or reward securities are excluded.
Account Closure / Withdrawals: If a client withdraws funds such that their account balance falls below the qualifying deposit tier before all NVDA shares have been distributed, or if a client closes their account, any and all remaining undistributed shares will be forfeited.
This promotion is on top of the other TradeUP welcome bonuses (additional 2-5 free stocks, 3% transfer cashback, and $300 transfer credit promo).
Up to 2-5 Additional Free Stocks
New users will earn up to 5 additional free stocks, worth between $10 and $1,800 each, when they open a TradeUP account using the promo code “NINJA” and make a qualifying initial deposit.
| Initial Deposit | Free Stocks |
| $100 – $2,499 | 2 |
| $2,500 – $9,999 | 3 |
| $10,000 – $99,999 | 4 |
| $100,000+ | 5 |
The additional free stock promo is valid until May 31, 2026.
Free stock promotion is available for US customers only. The value of the stock(s) range from $10 to $1,800 each, based on a random lottery draw. Once the free stock(s) are claimed, the share(s) will be issued to your account within 10 business days.
| Value of Free Stock | Probability |
| $10-$20 | 95% |
| $20-$30 | 3% |
| $30-$50 | 1% |
| $50-$100 | 0.80% |
| $1,800 | 0.20% |
2% + 1% ACATS Transfer Cash Back & Up to $300 Transfer Fee Credit
Transfer your account over to TradeUP and not only will you enjoy the new user bonuses mentioned earlier, but you’ll also receive the following transfer bonuses:
- 2% Cashback = Enjoy a fixed 2% cashback on your transferred amount, up to $1,000 — no minimum amount required. You will be issued installment payments as long as the transferred assets are held for at 90 days after the settlement date.
- Extra 1% Cash Back = Users who transfer $100,000 or more and keep your assets with TradeUP for a year will earn an additional 1% cashback, capped at $1,000.
- ACATS Transfer Fee Reimbursement = Transfer assets exceeding $3,000 and TradeUP will reimburse up to $300 in transfer fee credit. The reimbursement will be credited to your TradeUP account within 30 calendar days.
For users who make a full or partial ACATS transfer valued at $3,000 or more during the promotion, you may be eligible to receive up to $300 in transfer credit.
To qualify for transfer credit, you must email a copy of their most recent statement from the delivering brokerage account with evidence of a transfer fee to support@tradeup.com.
ACATS Transfer promotions are valid until May 31, 2026.
The Bottom Line
This is a solid sign-up bonus. I know many readers prefer NVDA shares over CRCL. The CRCL promotion ended in February 2026 during a volitile three-month period for the stock market.
Each NVDA share is currently worth ~$185 with a 52-week range of $86.62 to $212.19. A deposit of $50k will net you 5 shares with a value of ~$925. You’d also get an additional 4 random free shares that’s worth at least $10 each. In total, your floor is at least $965 worth of stock.
The ACATS transfer bonus is great too, providing 2% for transfers up to $50,000 and 1% for transfers over $100,000 on top of any investment gains you may realize.
I think we’re in the golden days of stock trading apps. I don’t remember a time when there were so many investment apps and many of them seem to have some sort of account opening bonus and/or referral bonus program.
Opening brokerage accounts don’t affect your credit score at all so I would grab any free stock bonus offers that you come across.
Updated Welcome Gift Policy as of July 1, 2025: Each user can now only claim one welcome gift (specifically the 2-5 free stocks) across all accounts. For instance, if a user opens an individual brokerage account and multiple IRA accounts, only one account will qualify for the welcome gift. You’ll still get BOTH the free NVDA share bonus that’s offered here and the free SGOV share as part of TradeUP’s IRA account promotion.
I’m looking to ACATS now but fear it wouldn’t make it before Jan 31st. Anyone knows if they plan on extending the circles stock promo or have another promo before Mar end? Thanks!
Hi James, if you think you’re going to miss the ACATS for this time period because the offer is ending in about a week, then please wait until February 1st. I can’t disclose anything else beyond that 🙂
Coping and pasting my data point from DoC. I did this for P2 so when I say I, I really meant she.
I confirmed with Tradeup all the offers got extended. My DP –
Dec 12 – opened account with NINJA offer
Dec 15 – deposited $100.1k from Schwab
Dec 19 – received 5 stocks from the 2-5 lottery stocks
Dec 19 – ACAT approx $202k of stocks/ETFs from Schwab to get 30 CRCL stocks and $1k cash from 2% ACAT match and another another $1k from 1% ACAT match
Waiting for the CRCL and cash matches. From their terms, I should get the first CRCL batch at the end of this month and first cash match at the end of the quarter.
I am aiming to get this bonus: For 50k, I am getting $1k bonus + 10 CRCL share + 4 free stocks.
Question – can I just do one ACATS of 50k to get the 3 bonuses?
The $50k ACATS transfer will qualify for both the 10 CRCL shares and $1k transfer bonus. The random 2-5 free stocks is based on your initial deposit, which is outside of the ACATS transfer bonus. So, I’d deposit money based on how many free random 2-5 shares of stock you want, and then do the ACATS for the other two offers.
I’ve click the link, and look at the T&S, and there’s this requirement
“The client has maintained the qualifying balance for at least thirty (30) consecutive calendar days and completed at least ten (10) valid trades within the same period.”
For the 10 valid trade, does it have to be with the ACAT, or can it be part of the “Up to 2-5 additional free stock” cash transfer (i.e $2501 deposit for 3 stock, and use that to do 10 valid trade transaction)”
It doesn’t have to be with the ACAT, you can use the cash deposit to make your trades under the current promotion.
I guess it was surprising it wasn’t anywhere on this page that mention the 10 valid trade. I’ve already made some small purchase with the $2500 cash deposit.
That’s because it’s not enforced. TradeUp can’t take away stock that’s been deposited into your account. Imagine what the SEC would say or how that would appear from an IRS and tax perspective. Look at Reddit and DoC discussions on this where no one got shares clawed back. I didn’t get the shares taken away and the same terms were in the prior Nvidia promo. I’m guessing TMN can’t speak to this as a TradeUp partner.
I’m not an employee or representative of TradeUP so I can’t speak to what’s enforced or not. I wasn’t personally told the 10 trades was a requirement, but welcome readers who have direct experience to chime in.
For “Up to 2-5 Additional Free Stocks” offer, does the 50k/100k ACATS transfer count? Or it has to be a separate initial deposit (e.g. $10k ACH for 4 stocks)? Thanks!
Great question! To clarify, the additional free stocks have to be from a separate deposit. The ACATS counts towards the cash bonus and CRCL stocks offer.
I think you should have explained it better. Looks like since they extended it I am ok. But I was wondering why I never received my free shares after acating 10000. Tradeup was no help.
I just opened an account using your referral code, but is it too late for the ACAT transfer to finish before 12/31 the deadline? =(
It depends on how fast your brokerage will transfer the funds to TradeUP. However, let me ask my contacts at TradeUP on whether they will consider a user who opened an account before the offer expires but completed the ACAT transfer after the deadline.
thank you so much for asking!
The promotion has been extended to end of January, so you’re good!
John, it looks like Tradeup is still listing Dec 31st as the end of the promotion when I click on your link. Will check back in a few days.
Where do you see the old expiration date? I just clicked the link and saw the extension. Or maybe it changed since you wrote this comment?
For 50k, I am getting $1k bonus + 10 CRCL share + 4 free stocks.
For 100K, I am getting $2K bonus + 10 CRCL shares + 5 free stocks.
Looks like ACAT transferring 50K of assets is a better deal than 100K.
Sir/ friends, please confirm my understanding. I am looking to transfer $50k in assets.
Correct. The promo amounts change depending on which transfer tier you’re in, so it really comes down to what works best for you.
And after transferring $100K I’m finding that the hold period is roughly 2 years if you want that to extra 1% bonus.
This is all hidden behind all the junk verbiage they put up on their site. So transfer $50K stay for a year and forget about the extra 1% unless holding it for full 2 years…
Let’s say your transfer settles in Q3 2025.
Base reward: maximum total payout = $1,000 / maximum payout per quarter = $350
End of Q4 2025 = $350
End of Q1 2026 = $350
End of Q2 2026 = $300
There is a pause in payment for Q3 2026. One of the conditions to successfully qualify for the additional 1% cashback bonus is for the transfer to remain in the account for one year (see Section 1. How to Participate, “Bonus Cashback” of terms and conditions: https://www.tradeup.com/transfer-terms).
Additional reward (for transfer of $100k+): maximum total payout = $1,000 / maximum payout per quarter = $350
End of Q4 2026 = $350
End of Q1 2027 = $350
End of Q2 2027 = $300
To avoid forfeiting a bonus payment, the transfer must remain in the account for at least 90 days (AKA another quarter) from date the bonus payment is received (see Section 4. Disclaimers, 4.12 of terms and conditions: https://www.tradeup.com/transfer-terms).
In short, the transfer must remain in the account for two years (in this example, Q3 2025 to end of Q3 2027) in order to receive all the bonus payments and avoid forfeiture of any payments. We hope this helps!
I apologize for appearing ignorant in this realm. My games were cc sign bonuses, and bank bonuses. I am also a bluebird bad guy, which was fun, John Pham, would it be possible to roll over a Roth account from an expiring gov contractor to this? I’m eying options, Sofi 1% match etc, but could/would this account accept a rollover?
Hey Regis! This promotion is only for brokerage accounts, not retirement accounts. However, there is also an IRA/Roth IRA promotion with TradeUP where you get:
You can transfer your old Roth IRA account and it would accept the rollover balance towards the promotion. You can find the full details on the offer on this page: https://themoneyninja.com/tradeup-promotions/
You are the best, and I’m in your debt, * ironic financial pun intended, yet still tacky. Thank you John. I look forward to this adventure! I’m glad I joined your group and I shall keep you posted.
PSA – you can’t P1 and P2 this. It doesn’t stack with another referral code. I already tried.
Correct. TradeUP had an issue where people were stacking these promos and then trying to add a referral code bonus on top of it. The referral code cancels out the previous $NVDA and current $CRCL promotion. They added additional language to their T&Cs to make that clear.
Sweet promotion John! Can I confirm that all 4 promotions can be stacked (free CRCL shares, free stocks, 2%+1% match, and transfer fee reimbursement)? Thank you!
Thanks! I’m really happy I was able to work with TradeUP and provide a strong sign-up bonus for my readers/viewers. To answer your question: yes, you can combine all four promotions you listed as long as you used one of the links in this post to open an account or include the “NINJA” code during account registration.
Edit: Here’s the proof to put your mind at ease – just in case. If there are any problems, you can always reach TradeUP’s support team. I’ll keep an eye out for any updates on the T&Cs if possible.
It’s listed in the terms:
5. Additional Notes
5.1 Rewards from this campaign do not conflict with other TradeUP campaign rewards during the same period unless otherwise specifically specified.