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Yes, you generally have to pay taxes on these types of income. 1. Gift Card cashback: If the cashback is considered a rebate or discount, it is generally not taxable. But if it is an incentive for opening an account, using a specific product or service, or fulfilling certain requirements, it may be considered taxable income, and you may have to report it on your tax return. 2. Bonus for steps taken from the insurance company: This type of bonus is generally considered taxable income, as it is an incentive provided by the insurance company. You should report it as "Other Income" on your tax return. 3. Bonus from the bank for opening a card and fulfilling conditions: If you received a bonus for opening a bank account or credit card and fulfilling certain requirements, it is typically considered taxable income. The bank should send you a Form 1099-INT or 1099-MISC to report the bonus, and you should include it on your tax return. Since you mentioned receiving a 1099net form (which I assume is a 1099-INT or 1099-MISC), it indicates that the bank has already reported the bonus to the IRS, and you should include it in your taxable income when filing your tax return.