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 email me. I would be glad to hear from anyone. 🕵️♂️
HOT!!! Chase Sapphire Preferred Massive $1000 bonus for $4000 in spending in 3 months. $95 Annual Fee not waived. Subject to 5/24 rules.
NEW!!! Discover it® Cash Back $100 Sign-up Bonus Earn a $100 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.
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 $150 or $300 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/$1000 quickly.
Chase Freedom Flex or Chase Freedom Unlimited $200 bonus for $500 of spending in 3 months. This is a no annual fee card.
Banks - Investments - Prepaid Cards
BANKS & CREDIT UNIONS (Brick & Mortar)
NEW!!! Redstone Federal Credit Union (Limited to these states for the promo: AL AR FL GA IL IN KY MI MO MS NC OH PA TN VA WV) Earn a $100 bonus for opening a new checking account and performing required activities. Be sure to use my Promotion Code: SCH856441 Huge amount of CC funding at $2530 per application.
NEW!!! Regions Bank Referral This $50 bonus stacks with their $200 checking promo. Fill out the form, submit, then open your new Regions checking account using the same contact information. Once you have the new checking account, enroll in estatements, do the required number of debits, receive a Direct Deposit, and wait 60 days to receive your $50 Visa gift card.
NEW!!! Addition Financial Credit Union $300 bonus = Open a checking account, do a $500+ direct deposit, and 10 debit transactions in 60 days.
NEW!!! First Tech Credit Union $100 referral bonus = Open a Membership Savings, and do two $500+ Direct Deposits within the timeframe allotted. However, you must be employed at the Select Employer Groups listed in the fine print and use that as the DD source. Be sure to use my Promotion Code: FT82898JeffreyS
Fairwinds Credit Union Available NATIONWIDE! Earn a $100 bonus for opening an account and doing a $200 Direct Deposit within 45 days. Not Chex inquiry sensitive, no hard credit pull. Also, your own referral link is available instantly and can earn $1000 per year in referral bonuses.
Wings Financial Credit Union ReferLive $50 Referral Promo (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.
Associated Bank ReferLive $50 Referral 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. This referral offer stacks with their checking promotions when available; just be sure to signup for the referral before opening the checking account. Footprint states are WI, IL, MN, IN, or past customers.
Service Credit Union You earn a $75 bonus for opening a free Dividend or Everyday checking account, enrolling in e-statements, completing a $500 direct deposit, and keep the account open for 60 days, then the bonus will post in 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)
HYBRID "NEOBANKS" (online-only, usually provide a debit card, usually no check-writing, etc.)
NEW!!! Albert Open a Albert account, Direct Deposit $200+ within 30 days, and earn a $75 bonus. Nationwide, no Chex or Hard pull, no CC funding.
NEW!!! Lili Financial Open a Lili account, spend $250 on your debit card, and get $50. Nationwide, no Chex or Hard pull, no CC funding. For anyone stacking with Swagbucks/Mypoints or Drop App bonuses, here is my referral code: 506gwv
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.
Lending Club (formerly Radius Bank) Open a Rewards Checking and have at least a monthly deposit balance average of $500 by day 60 to 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
Chime Open an account, Direct Deposit $200+, and earn a $100 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 banking and push the money into the Chime account.
Oxygen E-mail me to get a link. Open an account, deposit $500+ and use the debit card for 5 purchases within 60 days, and earn a $60 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 CANCELED!!! 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
Cash App Great P2P payment app with a debit card and spending bonuses. 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, 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
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.
Easy $50! M1 Finance Open a new individual account, fund with $100, maintain for 30 days, and earn $50.
NEW!!! NADEX Trading Earn $200 - Open an account, fund with $1000+, and perform 5 trades within 30 days. ($100 for the $1000 opening deposit, and $100 for using a referral)
NEW!!! GROUNDFLOOR Real Estate Investing - Earn $50 for opening an account, linking your bank and funding the account with $10. Ends 9/30. Rewards must be invested. They also have a $100-$1000 bonus available for new customers, $100 for each $5000 you invest. That promo ends 10/31.
NEW!!! Concreit real estate investing app. Open an account, invest $1, and earn $50 in "Reward Fee Waiver", not cash.
Stash Open a Stash Invest account, fund with any amount, and earn $20 in stock.
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, respectively.
Robinhood Get one share of stock when your brokerage application is approved. Free stock is valued from $2.50 to $200.
SoFi Invest Open and fund a new Active Invest Account with at least $1000 in 14 business days, and earn $50 in stock.
TradeUp Open and fund a new live trading account, and earn one stock (Value $2-$15). Fund with larger amounts to earn up to four additional stocks (Value $15-$1000 each).
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.
$10,000–$19,999 will receive $50
$20,000–$24,999 will receive $100
$25,000-$99,999 will receive $200
$100,000–$199,999 will receive $300
$200,000–$499,999 will receive $600
$500,000-$999,999 will receive $1,200
$1,000,000–$1,499,999 will receive $2,500
$1,500,000 or more will receive $3,000
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
NEW!!! OKCoin Open an account, complete identity verification level 2, and receive $50 worth of BTC when you buy $100 crypto or more.
eToro Get $50 for funding with $50 and doing $100 in crypto trades. Also, you can earn $50 for each referral, up to 10.
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.
PORTALS TO GET CASHBACK - Once you signup, login to their site or app, use their links to shop online, and you earn cashback on ELIGIBLE purchases at 3rd party sites. Offers vary quite often on these so please read all terms.
FREE REWARDS PROGRAMS - Membership is free, some optional offers are not free and require a purchase.
NEW!!! Steady Earn cashback with money-making offers called Boosters. Also lists some job listings, as well as gig opportunities.
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.
Sam's Club Use my link to earn a $20 Gift Card. May be stacked with other Sam's membership promotions, however, YMMV.
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 - Wireless - Utilities - Services
NEW!!! 23andMe Get a discount (10-20%) on the services offered. I was surprised by my results, and seemed very credible. They were able to find my niece accurately without any other info other than my DNA.
Arcadia Get $10 off your power bill when you use my link. 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.
NordVPN Get 1 month free with my link. I'd say they are the best VPN service out there. They have a massive amount of servers to connect to, easy to use, and from what I have witnessed, one of the fastest. I've been using them exclusively for three years and have had zero issues or complaints. It just works.
Red Pocket Mobile I have been using Red Pocket for over a year now and 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