Hello and welcome to FusionCash.
The way to make the most money here is really through referrals. Each time you have a unique referral confirm their e-mail address, you get $1.00. Once that referral completes and gets credit for their first offer, you get an additional $2.00. So, there's an easy $3.00. Now, once that referral amasses enough to cashout, you receive $5.00 EACH TIME they cash out, for life. So, if they were to cash out every month, you'd receive $63.00 your first year here just on referring one person. ($1.00 for signup + $2.00 for their first offer completion + $60.00 in cashout bonuses). But remember, you and your referrals need to have $15.00 worth of offers to cashout. The money you get for the referrals is 'Bonus Money'. Of the $25.00 required to cashout, $15.00 needs to be from offers... like doing the daily PTC, surveys, etc.
As far as making money off offers, the best suggestion is to ALWAYS try the daily offers. The $0.15 PTC is so dependable in crediting. The surveys are also great in crediting. However, like with all surveys, there will be days you don't meet the desired demographic of the surveys offered and may not qualify for any. The best suggestion I have is to just make sure to try each day. Also, since you mentioned your desire to stay away from things in which you have to sign up for something, check the "Free/No Credit Card" offers each day. There may be a few new offers added since the day before where you can add a couple bucks.
Also, keep posting here in the forum. It's another way to make $3.00. Once you have made 30 contributory posts in a calendar month, you can fill out the form requesting your bonus. Again, this would be a bonus, just like the money you get for referrals.
Good luck!