James

16 posts


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Mutual Benefit

• While I definitely appreciate if my referrals are used, my goal is transparency, highlighting what's in it for you. It's mostly deposit & credit card bonuses here - opportunities to net up to $600 or even more per sign-up*.   Benefit Types: 🔑 Keyed: Only available with a referral 🔓 Unlocked: Available with NO referral 📈 Ongoing: Inherent account feature 🎫 Referral: For referring someone else   Account Types: 💵 Bank/Deposit 💳 Credit Card    Tip: Icons like these are searchable characters. For example, the ⏳ character could be used to search this page for Referral Expirations.    Caution! Bonuses like these can be addictive. None are truly free. Please… Read up. Count the cost. Choose wisely.     *  "Net potential" is based on somewhat consistent assumptions, including if you only get one referral. The work is shown, to be adjusted as needed. For example if you're able to max out referrals, the $600+ I mentioned above (based on certain credit cards) could be $1200+. If you would neither refer others, nor spend as much (regarding cash back rates), etc. - then please deduct accordingly. Basically I'm just trying to illustrate relative potential, without overselling it.

Chime referral codes and program details
Chime

Chime Checking $100 for $200 deposit in 45 days [RR]    ℹ Note: There are also MyPoints & Swagbucks Chime offers potentially worth $200+. There are reports that either of those can be stacked with this referral bonus. See Doctor of Credit comments for more info. [MP|SB]   And $100 per referral [RS]  = $400+ potential   (✔RR ✔MP|SB ♻RS)

Check out Chime   


Sofi Money referral codes and program details
Sofi Money

SoFi Checking & Savings (formerly SoFi Money) $25 for $10 deposit in 5 days [RR]   And up to $250 for $5k Direct Deposit   in 1 month ⏳ by 1/31/2023 [DD]  + 3% (in Save acct w/monthly DD)   (e.g. $300+/y on $10k) [IE]  + $50 per referral [RS]  = $300+ annual potential   after $625+ 1st year   (✔RR ✔DD ♻IE ♻RS)

Check out Sofi Money   


Netspend referral codes and program details
Netspend

NetSpend Prepaid $20 for $40 load [RR]    ℹ Note: This is mainly a prepaid card. Its optional Savings Account earns interest. Activate the card, load funds, setup savings, transfer to savings. Schedule a small load every 2 months to avoid inactivity fees. This is one of several NetSpend cards one can get (including Ace Elite, HEB, Western Union, etc.) - best take it slowly, 1 step at a time, 1 card at a time. See Financial Panther for much more detailed info, and I encourage using his referral if his explanation helps more.   And 5% to $1k saved ($50+/y) [IE]  + $20 per referral [RS]  = $50+ annual potential   after $90+ 1st year   (✔RR ♻IE ♻RS)

Check out Netspend   


Ace Elite referral codes and program details
Ace Elite

Ace Elite Prepaid $20 for $40 load [RR]    ℹ Note: This is one of several NetSpend cards. My NetSpend Referral Note on my Profile Page has more info, including how to avoid an inactivity fee.   And 5% to $1k saved ($50+/y) [IE]  + $20 per referral [RS]  = $50+ annual potential   after $90+ 1st year   (✔RR ♻IE ♻RS)

Check out Ace Elite   


BECU referral codes and program details
BECU

BECU Checking $100 for 10 transactions in 30 days [RR]    ℹ Notes:   1. Anyone can join BECU by joining e.g. KEXP for $10 [OM]   2. Use Promo Code REFER & Unique Referral Code   ⏳ by 12/31/2022   And $100 per referral [RS]  = $190+ potential   (✔RR ➖OM ♻RS)

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DCU referral codes and program details
DCU

DCU Checking & Savings $20 for [RR]:  recurring direct deposit  or 5 transactions in same month  or vehicle, boat, RV loan, etc.    ℹ Notes:   1. DCU requires a Unique Referral Link, generated using First, Last, & Email. DM me that info, and I can send your link, valid for 3 months. Addresses here mask by default though. So send it some way other than U*******e@D*****n.TLD (see? - that was UserName, Domain, & TLD). Also, if on the code page for this, "Post comment" there is not a DM, but public. The "Message" button on profile pages is private.   2. Anyone can join DCU by joining e.g. Reach Out for Schools for $10+ in the DCU sign up process. [OM]   3. Up to $250 minus [OM] can be funded with a credit card.   And 6% to $1k saved ($60/y) [IE]  + $10 per referral [RS]  = $60+ annual potential   after $80+ 1st year   (✔RR ➖OM ♻IE ♻RS)

Check out DCU   


Porte referral codes and program details
Porte

Porte Prepaid (mobile-only) $50 for $500 deposit [RR]   (still says $100, but fine print says $50 after 9/4/2021)   (also expired 1/2022 I think, still consider below)    ℹ Note: This works very much like NetSpend accounts, using an optional savings account behind a main spending account. My NetSpend Note has a bit more info.   And 3% to $15k ($450+/y) [IE]   (starting 1/1/2022, this rate requires $3k deposit & 15 debit transactions per quarter)  = $450+ annual potential   (❌RR ♻IE)

Check out Porte   


American Express Blue Cash Preferred Credit Card referral codes and program details
American Express Blue Cash Preferred Credit Card

Blue Cash Preferred Card: $250 for $3k spend in 6 months [RR]  0% purchase APR for 12 months  $0 annual fee for 1st year    ℹ Note: When I went to verify that my link posted, I noticed most other links showing $350. However, the one posted by @ElenaSilver was the only one presented to me at that time which wasn't expired and actually led to an AmEx page showing that amount. For $100 more I was essentially going to recommend using that one instead. I also noticed though, that offer does not waive the first year $95 fee. Of course, you're still welcome to use the other link if it's still up when you're reading this - it's nothing like the net difference I thought it was, but $5 isn't nothing.   And 6% Cash Back to $6k groceries [C1]   (e.g. $500/m spend = $360/y back)  + 6% streaming   3% transit   3% gas ($100/m = $36/y) [C2]   1% anything else  + $75 per referral to $550 [RS]  - $95 annual fee starting 2nd year [AF]  = $300+ net annual potential   after $725+ 1st year   (✔RR ♻C1+C2+RS-AF)

Check out American Express Blue Cash Preferred Credit Card   


Discover Financial referral codes and program details
Discover Financial

Discover it Card: $50 for 1st purchase in 3 months [RR]  0% APR for 14 months  1st year Cash Back Match [CM]   And 5% Cash Back to $1.5k/q rotating [CB]   (e.g. $500/m spend = $300/y back...)   (...+$300 1st year after [CM]...)   (...so effectively 10% 1st year)  + 1% anything else  + $50 per referral to $500 [RS]   (details may vary per member)  - $0 annual fee  = $300+ annual potential   after $700+ 1st year   (✔RR ♻CB ✔CM ♻RS)

Check out Discover Financial   


American Express referral codes and program details
American Express

Everyday Card: $100 for $2k spend in 6 months [RR]  0% purchase APR for 15 months  $0 annual fee   And 3% Cash Back to $6k groceries [C1]   (e.g. $500/m spend = $180/y back)  + 2% gas ($100/m = $24/y) [C2]   1% anything else  + $75 per referral to $550 [RS]  - $0 annual fee  = $200+ net annual potential   after $375+ 1st year   (✔RR ♻C1+C2+RS)

Check out American Express   


SwagBucks referral codes and program details
SwagBucks

Swagbucks GPT Site 300 SB for 300 earn in 30 days [RR]  (worth $3+)   And 300 per referral [RS]  + 10% of referee earnings  = $6+ potential   (✔RR ♻RS)

Check out SwagBucks   


Cash App referral codes and program details
Cash App

[Square] Cash App P2P $5 for $5 send in 14 days [RR]   And $15 per referral [RS]  = $20+ potential   (✔RR ♻RS)

Check out Cash App   


Capital One referral codes and program details
Capital One

All bonuses based on $ spent in 3 months:   $200 for $500 spend (Quicksilver or SavorOne)  or 20k Miles for $500 spend (VentureOne)  0% APR (3% transfer fee) for 15 months  $0 annual fee   Or $300 for $3k spend (Savor)  or 75k Miles for $4k spend (Venture)  $95 annual fee   Various cash back or Miles from 1-5% on different categories depending on card selected.

Check out Capital One   


MyPoints referral codes and program details
MyPoints

1,750 Points for $20 spend

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James is smart! 😏

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