"Boss makes a dollar, I make a dime, that's why I churn on company time" - Jimmy's Random Quote
As always, please do your due diligence reading and understanding the official terms and conditions on the institution's website! Opinions expressed on this site are my own, and I receive referral bonuses when you sign up and meeting requirements. Make sure you follow all terms and conditions!
[$50] Langley Federal Credit Union - Available Nationwide
Get an extra $50! https://www.langleyfcu.org/forms/referral/9de6222b-9b29-11ef-af15-bc764e2025bb
Promotion terms: https://www.langleyfcu.org/refer
Make 10 debit card transactions within 60 days of opening, receive $50
[$200] Upgrade - Checking bonus. Available Nationwide
Use my referral link to "upgrade" your Checking account with a big promo bonus! https://upgrade.com/r/0uJk0LUdcY
Establish a $1,500 direct deposit within 45 days. Easy!
No Chex pull. No EWS!
[$200] Upgrade - Tiered savings bonus plus 5.21% APY. Available Nationwide through referrals only
Use my referral link to "upgrade" your high yield savings account with a tiered bonus! https://upgrade.com/r/wabJYocYlz
Earn an extra $200 on the $50,000+ tier, extra $100 on the $30,000 tier, and extra $50 on the $15,000 tier
Share the love! Once you've opened an account, feel free to refer your own friends and family, and you can each earn huge bonuses!
Pro tip - Use Fidelity EFT to push funds into and out of the account, initiating from the Fidelity side
[$100] Chime - Checking bonus. Available Nationwide
Receive a single qualifying direct deposit at least $200 within 45 days and get $100
Email me at churning.jimmyjohns@gmail.com to get a referral code
[$325] Sofi - Checking and Savings bonus. Available Nationwide
Use my referral link for a larger sign up bonus - https://www.sofi.com/invite/money?gcp=fbb90035-b461-4902-b0f5-5ccf67fb07cc&isAliasGcp=false
Get $25 on opening. Establish over $5,000 in direct deposits to earn a $300 bonus. Direct Deposit Bonus Period begins when SoFi receives a Direct Deposit within the Promotion Period and ends 25 calendar days later. Promotional period ends 6/30/2024
No monthly fees. Earn 3.8% APY with direct deposit
Referrals - Use my referrals and we each get bonuses. 💸
[75,000 points] Capital One - Venture
Spend $4,000 in the first 3 months. Earn 2x points on all purchases. No foreign transaction fees!
Use my referral link! https://i.capitalone.com/G6qkhxdX3
[$200] Chase - Freedom
Fantastic starter cards, low APR offers, great for building credit
Use my referral link! https://www.referyourchasecard.com/18o/6UXR5H4X0P
[250,000 points] Chase - Marriott
Use my referral link! https://www.referyourchasecard.com/252f/4XEOZT2583
[Pay rent, earn points] Bilt Rewards
Earn 1x on rent payments without the transaction fee, 2x on travel, and 3x on dining. No annual fee!
Use my referral link! https://bilt.page/r/8SMK-D04T
[60,000 MR + $100] Amex Gold - Referral Offer 🔗
Earn 4x points on restaurants, 4x points on groceries, 3x on flights , 1x on everything
Get 20% back in statement credits on restaurant spending for the first 3 months, up to $50
Get a $120 dining credit, $120 Uber cash each year (each available as $10 per month) along with a $100 Resy credit ($50 semi-annually)
[150,000 MR] Amex Platinum
Benefits include annual $200 hotel credit, $240 digital entertainment credit, $155 Walmart+ credit, $200 Uber credit, and $200 airline credit
Does have a $695 annual fee, but the benefits more than offset the cost. Plus, earn a massive bonus!
Use my referral link! https://americanexpress.com/en-us/referral/LIRONWg10P?XLINK=MYCP
Honorable Mentions - The following are honorable mentions. Decent bonuses, low introductory APRs, and good cash back.
Citi Custom Cash - 5% on top spend category, 0% APR. $200 Bonus - https://www.citi.com/usc/LPACA/Citi/Cards/CustomCash/ps/index.html
Wells Fargo Active Cash - 2% everything, 0% APR. $200 Bonus - https://creditcards.wellsfargo.com/active-cash-credit-card
Referrals - Use my referrals and we each get bonuses. 💸
[$750-$1000] Chase Ink - Huge offers for new cardmembers!
Business Premier - Get $1000 cash back after spending $10,000 in the first 3 months. 2% cash back (2.5% on purchases over $5,000)
Business Unlimited - Get $750 cash back after spending $6,000 in the first 3 months. 1.5% cash back on everything! No annual fee!
Business Cash - Get $750 cash back after spending $6,000 in the first 3 months. 5%-2%-1% category cash back. No annual fee!
Business Preferred - Get 90,000 points after spending $8,000 in the first 3 months. 3/1 point categories.
Use my referral link! https://www.referyourchasecard.com/21s/8CLEQM7RRB
[150,000 MR] Amex Business Platinum - Referral offer 🔗 for new cardmembers!
Spend $15,000 within 3 months of opening, get a massive 150,000 Membership Rewards points
[100,000 MR] Amex Business Gold - Referral offer 🔗 for new cardmembers!
Spend $15,000 within 3 months of opening, get 100,000 Membership Rewards points
Also enjoy 6 months with 0% APR on Pay Over Time
[$250] Amex Business Blue Cash - Referral offer 🔗 for new cardmembers!
Spend $5,000 within 3 months of opening, get $250 Membership Rewards points
Also enjoy 12 months with 0% APR on Pay Over Time
[Various Offers] Chase Marriott - Free nights and huge point bonuses!
Boundless - Get 5 free nights after spending $5,000 in the first 3 months
Bold - Get 30,000 points after spending $1,000 in the first 3 months. No annual fee!
Bountiful - 85,000 points after spending $4,000 in the first 3 months.
Use my referral link! https://www.referyourchasecard.com/252f/33B5SR5CY2
[Free Stocks!] - TradeUp - Big transfer bonus with extra free stocks
Get up to a 2% match on transfers, along with free stocks
Terms: https://www.tradeup.com/activity/market/welcome/?lang=en_US#/terms
Use my referral code when opening for extra stocks - https://www.tradeup.com/accounts/signup?invite=0I3RKU
[3% Match] Robinhood - Get a 3% match on traditional and Roth IRA contributions
Requires Gold subscription, costs $5 per month. 5 year lockup period. Full details: https://robinhood.com/us/en/about/retirement/
Contribute towards 2024 and 2025 limits
Use my referral code when opening, get some extra free stock - https://join.robinhood.com/richard-fce23c
[1% Match] Interactive Brokers - 1% bonus available only through referral
For every $100 deposited, receive $1 in $IBKR stock, up to $1000.
Deposit must be maintained for 1 year from initial award to vest.
Use my referral! https://ibkr.com/referral/richard8136
Hold minimum of $10,000 for 1 year. Full details: https://www.interactivebrokers.com/en/trading/referral-member-to-member.php
[8.1% APY] MooMoo - Referral Bonus
Deposit $100 and get Free LV2 data with live pricing. Deposit $1000 to get 15 free stocks. Deposit $5000 and I'll get extra referral bonuses
Use my referral! https://j.moomoo.com/00yIUb
Full list of ongoing MooMoo promotions can be found here: https://www.moomoo.com/us/support/categories/827
[$5,000] Tastytrade - Excellent tiered bonus! The more you deposit, the more you earn
Get $2000 bonus on funding account with $100,000! Contact customer support to attempt stack with referral offer!
Promotion link, use code “MYNEWBONUS”, expires 3/31/2024 - https://info.tastytrade.com/tasty-offer
Stack with referral bonus! https://open.tastytrade.com/signup?referralCode=B87KEEZKCY (doesn't appear to be a bonus for referee)
[$1000] Tesla - Use my referral link to get $1,000 off - https://ts.la/richard79470