Accounts & cards I actually use — and the bonuses for joining

• 5X points on flights booked directly with airlines or via Amex Travel (up to $500k/year)
• Airport lounge access: Centurion, Priority Pass, Delta Sky Club (when flying Delta)
• Statement credits for hotels, airlines, Uber, streaming, and more
• See the link for the current welcome offer — it varies

• Sapphire Reserve: 100,000 points welcome offer via this link
• Sapphire Preferred: 75,000 points welcome offer via this link
• Points transfer 1:1 to United, Hyatt, Southwest, and other partners
• Reserve adds lounge access and a $300 annual travel credit; Preferred is the low-fee starter

• Earn Bonvoy points on every purchase, with bonus categories on Marriott stays
• Free Night Award on most versions after each account anniversary
• Automatic Silver Elite status or higher, depending on the card

• Unlimited: at least 1.5% back on everything, more on dining and drugstores
• Flex: 5% rotating quarterly categories, 3% on dining and drugstores
• Points pool with a Sapphire card for travel transfers — the classic Chase combo

• Some of the largest welcome offers in the game, on spend most businesses already have
• Sole proprietors qualify — a side gig or freelance income counts
• Ink cards generally don't add to your personal 5/24 count

• Customized Cash lets you pick your own 3% category
• Preferred Rewards members earn 25–75% more on every purchase
• Solid no-annual-fee options for straightforward cash back

• See personalized card offers without affecting your credit score
• Covers Venture travel cards, Quicksilver cash back, and starter cards
• Takes about a minute; no obligation to apply

• $25 just for opening an account through this link
• +$25 more with SoFi Plus
• Up to $400 more with an eligible direct deposit of $5,000+
• High-yield savings, early payday, and no account fees

The rate is real, but the sequence matters. Do it in this order:

1. Open a regular Free Checking account through my referral link — this is what triggers the $50 bonus for you (and $50 for me).
2. Wait one full statement cycle for the $50 bonus to land. Don't convert before it posts.
3. Then ask Rize to convert your account to Rize Checking to earn 7.50% APY on balances up to $10,000 (0.05% above that).
4. To keep earning the rate: enroll in eStatements (avoids a $5/month paper fee) and make 5 debit card purchases that post each statement cycle. ATM withdrawals don't count.

• Who can join: live in California or Nevada, work for a Select Employer Group, or be immediate family of a member. Anyone else can join free through the American Consumer Council or Quality Service Council.
• Online high-yield checking applications have been unavailable in ID, UT, LA, and TX — check the link for the current list.
• The 7.50% APY is variable and can change. Rize is known to be ChexSystems-sensitive on online applications.

• National bank with branches and ATMs everywhere
• Checking packages across every balance tier, with relationship perks
• Pairs well with Citi credit cards for ThankYou® point pooling

• Large branch footprint across the West and Midwest
• Smartly® Checking pairs with U.S. Bank credit cards and savings for relationship rates
• See the offer page for the current bonus amount and requirements

• High-yield savings bundled with SoFi Checking in one account, with Vaults to organize goals
• Open through the same link and you're eligible for the full bonus stack: $25 for opening, +$25 with SoFi Plus, and up to $400 more with an eligible direct deposit of $5,000+
• Best savings APY requires direct deposit or SoFi Plus; see the link for the current rate
• No monthly fees and no minimum balance

• High-yield cash account with unlimited free transfers to your investing account
• Sign up through my link and we both get a +0.75% APY boost for a limited time (also good for a 0.50% investing deposit match — or both)
• FDIC insurance up to $8 million through partner banks
• No account fees, no minimums, same-day withdrawals to many banks

• Technically a checking account (listed above), but the 7.50% APY on the first $10,000 beats most savings accounts
• Requires 5 debit purchases per cycle and eStatements; follow the step-by-step in the Checking section

• +0.75% APY boost on the Cash Account for both of us
• Or a 0.50% match on an investing deposit — or both; limited-time offer
• Automated index investing, tax-loss harvesting, and a high-yield cash account in one app

• Open an Active Investing account with $25 or more and get $25 in stock
• Commission-free stocks and ETFs, fractional shares, and IPOs at the offer price
• Sits next to your SoFi checking, savings, and crypto in one app

• Sign up through my link and claim a stock reward
• Commission-free stocks, options, and crypto with the simplest app in the business
• Gold adds margin rates, research, and IRA match offers

• Commission-free stocks, options, and extended-hours trading
• Strong charts and paper trading for practice
• Fractional shares and recurring buys

• Built for options traders: capped commissions on equity options and deep analytics
• Futures, crypto, and stocks on the same platform
• Use my referral code at signup so we both earn the reward

• Open a SoFi Crypto account and make a $25+ purchase within 30 days
• You get $25 in SOFID; I get $50 in SOFID
• Buy and sell alongside your SoFi bank and brokerage accounts

• The most beginner-friendly way to buy your first crypto in the US
• Hundreds of assets, staking, and a self-custody wallet option
• Publicly traded and US-regulated

• Low maker/taker fees and deep liquidity for active traders
• Advanced order types, margin, and hundreds of trading pairs
• Enter my referral code at signup so we both earn rewards

• Trade on the outcome of real events: economics, politics, sports, weather
• Signup bonus of up to $2,000 through my link (tiered by activity)
• US-regulated exchange (KalshiEX, CFTC-regulated)

• Apply through my link and we each get $300 after your loan funds
• Fixed rates, no origination or prepayment fees
• Checking your rate doesn't affect your credit score

• $25 off your first booking of $135 USD or more
• Last-minute hotel deals, booked in about 10 seconds
• Enter my code in the app before you book

• Activate free credit score monitoring and earn $10 in rewards points
• Weekly score updates and alerts when something changes
• Free — no card required