Bank Bonus Geek
Please feel free to use my referral links below. If you have questions about the products, the links, or just want me to know you used my link, please E-mail me. I would be glad to hear from anyone.
I am requesting help on Arcadia and asking everyone to please consider opening an account. It's free to join, and if you don't like the program, you can cancel and resume your normal way of paying for your electric bill. Much appreciated!
Arcadia Get $10 off your power bill. If you want to be "greener", Arcadia finds ways to lower your power bill and connect you to clean energy like wind and solar power. I like them because I pay my electric bill via credit card and avoids my local power company CC fee. Also, it still counts as utilities for the U. S. Bank Cash+ rewards credit card. Thank you! 🕵️♂️
American Express offers change frequently. Also, the offers may change if you use incognito/private mode.
Capital One Quicksilver $150 bonus for $500 of spending in 3 months. This is a no annual fee card.
Chase Disney $200 bonus for $500 of spending in 3 months. The statement credit usually posts within days of meeting spend requirement, even before your first month's statement is mailed if you spend the $500 quickly. This is a no annual fee card.
Chase Freedom Unlimited $200 bonus for $500 of spending in 3 months. This is a no annual fee card.
Discover It $50 Statement Credit when you make your first purchase in 3 months. First year cashback is doubled at end of year. That makes the 5% quarterly rotating categories equivalent to 10% cash back, subject to the standard quarterly limits, of course. This is a no annual fee card.
Banks - Investments - Prepaid Cards
BANKS (Brick & Mortar)
Service Credit Union You earn $100 for opening an Everyday checking account and setting up a $500 direct deposit. Unlimited referrals, no Hard Pull, not Chex inquiry sensitive, and free to join NATIONWIDE via the American Consumer Council makes this a winner. ACH & Mobile Check Deposit works as a DD.
Details: On the SCU application, when you select the Everyday checking account, it will ask: Did a friend refer you through the Pays 2 Know Program?*
Select "Yes" and paste this code: P2K0423554858
Joining the American Consumer Council is free with membership code "consumer".
UMB Bank You get $150 when you meet these Transaction Requirements within 60 days after account opening:
- Enroll in UMB Online Banking, set up bill-pay, and make three (3) or more online bill payments; AND
- Receive one (1) direct deposit of at least $250 into the account; AND
- Complete six (6) or more UMB Visa® debit card transactions.
Associated Bank Regular Promo OR Associated Bank Brewers Promo You get $50 to open a checking account, fund with $100+, Direct Deposit of $500+ in 90 days, and have a total average daily balance greater than $1,000 after 90 days. Stacks with their checking promotions; just be sure to signup for the referral before opening the checking account.
Capital One 360 Offers vary. A very useful bank account to have for large ACH transfers and triggering Direct Deposit requirements on new account promotions at other banks. UPDATE: Currently not working & not sure when it will be fixed.
Chase You earn $200 for opening an account and setting up direct deposit.
SkyOne FCU You earn $25 for depositing the minimum opening balance amount of $5, then maintain the new account and credit union membership in good standing for a period of thirty (30) days.
Wings Financial Credit Union You get $50 to open a checking account, set up eDocuments, and do 5 debit card transactions of $5 or more each OR a Direct Deposit of $300+ in 60 days. Stacks with their checking promotions; just be sure to signup for the referral before opening the checking account.
Chime Open an account, Direct Deposit $200+, and earn a $50 bonus. Almost any bank-to-bank external transfer works as a Direct Deposit with Chime. Just setup the transfer via your other bank's online bank and push the money into the Chime account.
Oxygen E-mail me to get a link. Open an account, deposit $200+ and use the debit card for 5 purchases within 60 days, and earn a $25 bonus.
SoFi Money Open an account and fund with $500 to earn a $50 bonus. They also have a $75 Direct Deposit bonus that should be stack-able.
Aspiration Spend & Save $50 for you, $25 for Charity. Open an account, fund with $10+, and spend $250+ on the Aspiration debit card in 60 days to earn the bonus.
Juno A new banking service that plans to offer 2.15% APY and debit card rebates of 5%. Not sure it will happen, but it's free to signup. Just link another bank account via Plaid to get off the wait-list. Earn $25 for using my link once they go live and you open an account.
Varo E-mail me if you have questions, but currently this referral program has expired.
P2P & Money Transfer Apps
Cash App Good P2P payment app. Signup with my link to earn a $5 bonus for sending $5+. Transferring funds back to your bank may work to trigger bank bonuses that require Direct Deposit. Another use is for P1 - P2 money transfer situations without having a joint account.
Mezu App Similar to Cash App, but with more security. Earn a $5 bonus for sending at least $5. Just install app, create an account, and enter my Invite Code JEFF130 by tapping “Redeem a Code” in the app menu. Then, add a payment method to your Mezu account (link a bank account or debit card for free). Lastly, Give or Pay someone at least $5 from your linked payment method using Mezu within 14 days. Instant payout. If you need someone to pay, E-mail me, send $5, and I will send you the $5 back. Update: Mezu will be shutting down 11 August, 2020.
PayPal $10 Bonus - E-mail me! You provide your e-mail address, I send you a penny via PayPal, and you sign-up. Worth $10 for each of us. New PayPal customers only. Referral program details can be found here.
Money Management Tools
Personal Capital Similar to Mint, Personal Capital is a money management tool that focuses on investment advice. Sign-up, link an investment account, and earn a $20 Amazon Gift Card.
Stash Open a new Stash invest individual taxable brokerage account and/or new individual Stash debit account, fund with $5+, and earn $20. They also have a $50 bonus available for initiating a cumulative Direct Deposit(s) totaling $300+ within any 30 day period.
SoFi Invest Open and fund a new Active Invest Account with at least $1000 in 14 business days, and earn $50 in stock.
WeBull Open an account, fund with $100, and you get two free stocks. Free stocks are valued up to $1000.
Moomoo Open an account, fund with $500, and you get two free stock cards. Stock cards are valued from $8-$200, and $10-$1000.
Robinhood Get one share of stock when your brokerage application is approved. Free stock is valued from $2.50 to $200.
Dough Get one share of stock when your brokerage application is approved. Free stock is valued from $2-$200.
Schwab You get $100, or more... I get the joy of helping someone. Schwab no longer does a hard credit inquiry for a new account.
Acorns Get $5 to signup. Also serves as a shopping portal, except your earned rewards are put into your investment account.
$5,000-$9,999 will receive $25
$10,000-$24,999 will receive $50
$25,000-$99,999 will receive $200
$100,000-$249,999 will receive $300
$250,000-$499,999 will receive $600
$500,000-$999,999 will receive $1,200
$1,000,000 or more will receive $2,500
SoFi Loans Get $300 for refinancing your student loan, or $300 for opening a new personal loan.
Netspend Prepaid Variants: Netspend, Brinks, Western Union, & ACE Elite Choose one of these. Earn a $20 bonus after loading at least $40. Then, you can open the savings account and earn 5% APY on the savings balance, capped at $1K. You can have up to at least 5 different Netpends without issue, useful for the savings accounts, but you will likely only collect one $20 bonus.
Crypto - Digital Currency - Wallets
eToro Get $50 for funding with $50 and doing $100 in crypto trades. Also, you can earn $50 for each referral, up to 10.
G-Coin Get 1 G-Coin (worth about $50) for purchasing at least $50 in G-Coin. Also, you can earn $10 in G-Coin for each referral, up to 5.
Join Coinbase Open an account, and if you buy or sell $100 or more of crypto, you'll receive $10 worth of free bitcoin.
Get free EOS Get up to $50 in EOS crypto. This is available to existing Coinbase users.
Get free OXT Get up to $50 in OXT crypto. This is available to existing Coinbase users.
Binance They recently revamped their referral program and removed the signup bonus. I'd recommend waiting.
Money Saving Apps - Portals - Sites
PASSIVE EARNINGS APPS - Link your existing credit or debit cards and/or banks, and watch the points accrue. Optionally, they also have offers inside the app that require using their link.
Dosh App Referral Code: JEFFRES58
Drop App Referral Code: a2pak
Pei App Use Invite Code- pnbrql -to bypass wait-list.
Bumped Earn stock for your purchases. Currently on a wait-list.
ACTIVE EARNINGS APPS - Requires you to select coupons or offers, upload receipts, use their portal, etc. to get money back on purchases.
Ibotta App Referral Code: pdlhgpr Many offers for grocery items, mainly, but also works as a shopping portal.
Checkout 51 App Has a wide variety of grocery coupons.
PORTALS TO GET CASHBACK - Login to their site or app, use their links to shop online, and you earn cashback on ELIGIBLE purchases at 3rd party sites.
Swagbucks Besides the cashback portal, frequently offers money-making opportunities, usually when subscribing to services.
MyPoints Almost identical to Swagbucks, and owned by the same company, but occasionally has a better offer or different selection than Swagbucks.
Fluz App Great app for saving a few dollars on instant gift cards & good for some couch manufactured spending. Several Fluz retailers sell $200 digital Visa gift cards not only with no fee, but actually earn you cashback too. This is on top of what you are earning from your credit card and/or helping you meet minimum spending on a new credit card.
Raise.com Use my link to get $5 off already discounted gift cards from a wide variety of merchants and restaurants. They frequently offer potentially stack-able promo codes to further discount your desired gift card(s) as well. For sellers, not exactly a money saver, but if you find yourself with unused gift cards, and a desire to sell them at least a 15% loss, it is a viable option.
Sam's Club Get $10 back on a $45 membership. Sam's is great for some things IMO, but it all depends on your shopping habits whether it is worth joining. Worst case, you hate it, then you cancel your membership. They typically give you your entire $45 membership fee back if you cancel in store, not prorated, in cash.
Groupon Occasionally has some decent deals on local event tickets and services. I would be wary of the shopping deals, as from what I have noticed, items are usually available elsewhere for less, or are poorly rated closeout products.
Walmart Grocery I am very new to this one, but I can see the benefit in saving time and a few bucks. Walmart does the shopping and loads your car for FREE. Save $10 off of $50 with my link.
Need Gas? Best apps to get a deal!
Fuel Rewards Good program if you use Shell gas stations. Get gas discounts for shopping at select merchants using linked debit/credit cards.
GetUpside Highly recommended for every driver, even when gas prices are low. Get cashback on gas purchases at specific gas stations, as well as cash for your gas purchases made by your referrals. Covers most states, and the affiliated gas stations do change, so don't give up all hope if you aren't impressed when signing up. This stacks with credit card rewards, and sometimes even with station specific reward programs like Shell when they don't catch it.
Phone - Cable - Wireless - Utilities
Arcadia Get up to $10 off your power bill. If you want to be "greener", Arcadia finds ways to lower your power bill and connect you to clean energy like wind and solar power. I like them because I pay my electric bill via credit card and avoids my local power company CC fee. Also, it still counts as utilities for the U. S. Bank Cash+ rewards credit card.
Vistaprint Get $20 off $40. This is a great way to make personalized items for upcoming holidays and events, or your business needs. They have so much more than just business cards and stationary. Shirts, mugs, bags, signs, etc. Show loved ones you care by creating a one-of-kind gift!
Websites & Apps that ARE worth your time!
These Are Not Referral Links - I just like them enough to recommend to anyone!
DoctorofCredit.com - The best site on the whole internet! Real explanations and common sense advice to help you wade through the terms of almost any financial product or deal.
Cashbackmonitor.com - Find which portal is offering the best cashback rate. Beware of product category exclusions though. Does not keep track of apps like Ibotta, Dosh, Drop, Pei, etc. that may have a better offer.