Bank Bonus Geek
Gadget's Referral Links
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. 🕵️♂️
American Express offers change frequently. Also, the offers may change if you use incognito/private mode.
Capital One Quicksilver $200 bonus for $500 of spending in 3 months. This is a no annual fee card. Currently offering a decent interest-free period.
Chase Disney $100 or $200 bonus for $500 of spending in 3 months, depending on the card you choose. 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.
Chase Freedom Flex or 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)
UMB Bank (Specific states - not nationwide) 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.
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. Footprint states are WI, IL, MN, IN, or past customers , YMMV.
Chase You earn $200 for opening an account and setting up direct deposit.
Marcus Online Savings You earn an additional 0.20% Annual Percentage Yield (APY) on your Online Savings Accounts for 3 months.
Service Credit Union You earn a $75 bonus for opening a free checking account, enrolling in e-statements, completing a $500 direct deposit, and keep the account open for 90 days.
SkyOne Federal Credit Union You earn a $25 Amazon Gift Card 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. (Marginally Chex-inquiry sensitive)
Wings Financial Credit Union (Nationwide if you join the Wings Foundation for $5 - Chex-inquiry sensitive though.) You get $50 to open a checking account, set up eDocuments, and do either 5 debit card transactions of $5 or more each OR a Direct Deposit of $300+ in 60 days. Stacks with their checking promotions, if/when available; just be sure to signup for the referral before opening the checking account.
HYBRID "NEOBANKS" (online-only, usually no check-writing, etc.)
NEW!!! Radius Bank Open a Rewards Checking, have at least a $500 balance by day 60, and earn a $50 bonus. Does allow up to $1000 in credit card funding, and no Chex inquiry was done. Be sure to use my referral promo code to earn the $50 bonus. My promo code: eywxv9
NEW!!! Porte Use this link on your phone (not a desktop computer) to open an account. Once you Direct Deposit $500, and activate your debit card, you earn a $50 bonus, and you have the ability to earn $50 per referral. Program is backed by Metabank, which runs the Netspend cards, but has better terms/no fees for most activities. Also, they have a no-fee High-Yield savings account available once you Direct Deposit $1000. Current APY = 3% on up to $15K.
UPDATED!!! Chime Open an account, Direct Deposit $200+, and earn a $75 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. Once you sign-up, they also may offer an additional $75 Direct Deposit bonus.
Aspiration Spend & Save Open an account, fund with $10+, and spend $250+ on the Aspiration debit card in 60 days, and earn a $50 bonus. Occasionally better offers exist.
REFERRAL PROGRAM CANCELLED!!! OnJuno A new banking service that offers 2.15% APY and debit card rebates of 5% at select merchants. You were supposed to earn $25 for using my link when you open an account with a $1000 opening deposit.
Yotta Savings Not your normal savings bank, as the promised interest rate is not high, but you have chances to win cash prizes. We'll both get 100 tickets to win up to $10,000,000 when you download Yotta Savings! Just sign up with code JEFFREY27.
P2P & Money Transfer Apps
UPDATED!!! Cash App Great P2P payment app with a debit card and spending bonuses. Signup with my link to earn a $10 bonus for sending $5+. Transferring funds back to your bank may work to trigger bank bonuses that require Direct Deposit, and loading your account with your debit card can count as debit spending. Another use is for P1 - P2 money transfer situations without having a joint account. If you don't have someone you can send money to, send me $5 and I will send it back. User: $JeffJS
NEW!!! Sign up for Google Pay, spend or transfer $10, and earn up to $10. Super easy and super fast payout! You can refer up to three people for up to $5 each. Open the link from your mobile device to install the Google Pay App. Use https://g.co/payinvite/dd6vp27
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 that has a minimum balance of $1000, and earn a $20 Amazon Gift Card.
NEW!!! M1 Finance Open and fund a new individual account, fund with $100, maintain for 30 days, and earn $30.
SoFi Invest Open and fund a new Active Invest Account with at least $1000 in 14 business days, and earn $50 in stock.
Dough Get one share of stock when your brokerage application is approved. Free stock is valued from $2-$200.
NEW!!! Firstrade Get one share of stock when your brokerage application is approved. Free stock is valued from $3-$200.
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.
WeBull Open an account, fund with $100, and you get two free stocks. Free stocks are valued up to $1000.
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.
$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. You can pre-qualify without getting a hard credit inquiry, however, if you proceed with the loan application, it will be a hard inquiry on your Experian credit report.
Netspend Prepaid Variants: Netspend, 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 $1,000. You can have up to at least 5 different Netspends 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 $60) 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.
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 Invite Code: pnbrql
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.
PFS Buyers Club Opt into select private deals, buy the item, and once it arrives at your address, you mail it to PFS and they pay you over the original cost. How much more depends on the terms you agreed to. It's YMMV as the items you have to buy are usually extremely limited stock, like U.S. Mint coins. Deals are not constant/continuous, and are very specific. You get an additional $20 for using a referral link, provided you actually perform the purchase and follow-through with the sale.
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.
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.
Sam's Club Use my link to earn a $20 Gift Card. Can be stacked with other Sam's membership promotions.
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.
Red Pocket Mobile I have been using Red Pocket for several months now and overall very happy. I like the fact that I can change my network and they offer all of the major cellular networks. Light data users especially can save a lot of money with their smaller plans. I recommend using my referral code to get $7.50 off your first month of service if you choose a plan that is $25 or less. This means if you get the $10 plan, your first month's cost is only $2.50 plus tax and SIM shipping is free. You can downgrade or upgrade plans whenever you want after you try out Red Pocket! My Referral Code: 92413F1383554B84
Vistaprint Get $20 off $40. This is a great way to make personalized items for upcoming holidays and events, or promotional items your business. 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-a-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 list apps like Ibotta, Dosh, Drop, Pei, etc. that may have a better offer.