Apple Siri Class Action Settlement: “Lopez Voice Assistant” Email

Posted on May 13, 2025 // Leave a Comment
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Apple has settled a class-action lawsuit that their voice-activated Siri assistant violated users’ privacy by recording conversations and sending them to third-party contractors. Eligibility includes those that “owned or purchased a Siri-enabled device and experienced an unintended Siri activation during a confidential or private communication between September 17, 2014 and December 31, 2024.”

If this applies to you, first check your inbox (including Spam folder!) for an email from “Lopez Voice Assistant Settlement Administrator” [info@lopezvoiceassistantsettlement.com] with the subject line “Lopez Voice Assistant Class Action Settlement”. At the top of the e-mail, you should find a Claimant Identification Code and Confirmation Code that will make it easier to file a claim. My e-mail arrived on 5/11/25. Here are a few useful details:

  • You can get up to $20 per device, for up to 5 devices (up to $100 total) where you attest under penalty of perjury that you “experienced an unintended Siri activation during a conversation intended to be confidential or private”.
  • Eligible devices include iPhone, iPad, Apple Watch, MacBook, iMac, HomePod, iPod touch, or Apple TV.

Submit your claim online at www.lopezvoiceassistantsettlement.com. Claim form must be submitted no later than July 2, 2025. You don’t need to have received the e-mail to file a claim, but the codes may help confirm your eligibility.

Based on my past experience, I would simply submit a claim right away… and then forget about it. Choose a payment method that you are confident will still work years from now. I could only pick from direct deposit or eCheck, so here pick a bank account you know you won’t close. Let yourself to be surprised on the upside later down the road. Then either buy some Starbucks or some fractional AAPL shares with the money. 😜

Filed Under: Deals & Offers //
Last updated: May 13, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

WisdomTree Prime Crypto: $100 Bonus w/ $1000 Deposit for 45 Days

Posted on May 12, 2025 // 1 Comment
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

New crypto exchange WisdomTree Prime is offer a $100 bonus in crypto after the following:

  1. Open a new WisdomTree Prime account.
  2. Deposit $1,000 into your account and maintain an average balance of $1,000 — based on deposits and withdrawals — for a 45 day period.
  3. We’ll deposit your reward of $100 in value into your WisdomTree Prime account in approximately 5 business days after you have met all of the reward requirements.

You’ll technically get your $100 reward in WUSD (WisdomTree Dollar Token), a stablecoin that is meant to be exchangeable for one U.S. dollar. Offer currently set to expire 5/18. Interesting that it doesn’t require any trades. Just remember that this is still a crypto exchange and is thus not FDIC-insured. Based on this tweet, WisdomTree Prime does appear to be affiliated with the more well-known WisdomTree ETF provider with over $81 billion in AUM.

Filed Under: Deals & Offers //
Last updated: May 12, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Gemini Crypto: $75 Bonus after Trading $100 (Referral Promo Code)

Posted on May 12, 2025 // 8 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Limited-time offer is back. Crypto exchange Gemini has upped their referral offer for a limited-time to a $75 bonus in crypto after you open a new account and trade $100. You should see the info on the link landing page. Above is a screenshot from my app. This is much higher than the standard offer. You can do something as simple as trade something buy and sell $100 of USDC or GUSD stablecoin (which is what I did), if you want something with minimal volatility although it’s still crypto and not FDIC-insured. You should get confirmation of the bonus after a day or so. That’s my referral link, which should auto-populate with the promo code adryypgfd; Thanks if you use it!

Don’t miss out on $75 in free crypto. Sign up for Gemini and trade at least $100 to earn $75 in the crypto of your choice for a limited time.

Filed Under: Deals & Offers //
Last updated: May 12, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Top 10 Best Credit Card Bonus Offers – May 2025 (Updated)

Posted on May 8, 2025 // 45 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated May 2025. Some top offers are ending soon. That space in your wallet or purse is valuable, and you should be the one to get that value. By being smart and picky, you can find offers worth $500+ for a single card, all to encourage you to apply and try it out. This adds up to thousands of dollars in extra income (over $5,000 in 2023). These are the top 10 credit card offers that I would personally apply for right now (or have already). Notable recent changes:

  • Added IHG 4FreeNights, Sapphire Preferred 100k, AA 70k, Marriott 185k, JetBlue 70k
  • Removed Venture 75k+$250, Strata 75k, CitiAA 75k, Southwest Companion Pass, Hilton 70k+FreeNight, Delta 80k

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Chase Sapphire Preferred® Card

  • 100,000 Ultimate Rewards points (worth $1,250 towards travel or transferrable to miles/points) after $5,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase TravelSM, 3x on dining and 2x on all other travel purchases.
  • $95 annual fee.
  • Subject to 5/24 rule.*
  • Upgrade pick: Chase Sapphire Reserve® Card. Higher travel perks including airport lounge access, higher annual fee.

IHG One Rewards Premier Credit Card

  • 4 Free Nights (worth up to 40,000 IHG points each) after $3,000 in purchases in the first 3 months. See link for details.
  • Free Night after each account anniversary year (valued up to 40,000 IHG points).
  • $99 annual fee.
  • Subject to 5/24 rule.
  • Don’t like annual fees? The no-annual fee Traveler version also has a competitive offer with no annual fee.

Marriott Bonvoy Brilliant® American Express® Card

  • 185,000 Marriott Bonvoy(R) bonus points after $6,000 in purchases within the first 6 months. See link for details.
  • $300 in Annual Dining Credits, valid at restaurants worldwide.
  • Priority Pass™ Select airport lounge membership.
  • Automatic Marriott Bonvoy Platinum Elite status.
  • Free Night Award upon card anniversary (worth up to 85,000 Bonvoy points).
  • $650 annual fee.
  • See Rates and Fees

Capital One Venture Rewards Credit Card

  • 75,000 Miles (worth $750 in travel) after $4,000 in purchases within 3 months. See link for details.
  • 2 Miles per dollar on all purchases.
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $95 annual fee.

Barclays AAdvantage Aviator Red Mastercard

  • 70,000 American Airlines miles after any single purchase and paying the $99 annual fee in full, both within the first 90 days. See link for details.
  • First checked bag free on domestic AA flights ($80 value per roundtrip, per person).
  • $99 annual fee.

British Airways Visa Signature® Card

  • 85,000 Avios after $5,000 in purchases within first 3 months. See link for details and redemption tips.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Free Travel Together companion ticket when you spend $30,000 in a calendar year.
  • $95 annual fee.

Aeroplan® Credit Card

  • Up to 70,000 bonus points. 60,000 bonus points after $3,000 on purchases in first 3 months. Plus, 10,000 bonus points after annual fee renewal payment posts and is paid in full. 70,000 points are redeemable for $875 against any travel purchased with Pay Yourself Back. See link for details.
  • Free first checked bags on Air Canada flights: one free checked bag for the primary cardmember and up to eight other travelers on the same itinerary.
  • Aeroplan 25K Elite Status benefits for the remainder of the first calendar year, plus the following calendar year.
  • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.
  • $95 annual fee.
  • Subject to 5/24 rule.

Citi AAdvantage Platinum Select Card

  • 50,000 American Airlines miles after $2,500 in purchases in first 3 months. See link for details.
  • First checked bag free on domestic AA flights ($80 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

The Platinum Card® from American Express

  • 80,000 Membership Rewards(R) points after $8,000 in purchases in the first 6 months.
  • Up to $200 Hotel Credits, up to $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $199 CLEAR Plus credit, $300 Equinox credit, up to $155 Walmart+ credit and more annually! Enrollment is required.
  • Up to $120 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.
  • See Rates and Fees

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 to offset travel purchases, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One Travel.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Priority Pass + Capital One airport lounge access. Additional cardholders are free, and also get their own Priority Pass!
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $395 annual fee.

Citi Strata Premier Card

  • 60,000 points (worth $600 in gift cards, or transferrable to miles/points) after $4,000 in purchases in the first 3 months. See link for details.
  • 3X points for every $1 spent on Hotel purchases, Air Travel, Restaurants, Supermarkets, Gas Stations, EV Charging.
  • Must not have gotten bonus from or closed a Citi Premier or Strata Premier card in the past 48 months.
  • $95 annual fee.

Bank of America Premium Rewards Card

  • 60,000 points (worth $600) after $4,000 in purchases within the first 90 days. See link for details.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Wells Fargo Autograph Journey Card

  • 60,000 points (worth $600 towards travel) after $4,000 in purchases within the first 90 days. See link for details.
  • $50 annual statement credit with $50 minimum airline purchase.
  • $95 annual fee.

Alaska Airlines Visa Card (Bank of America)

  • 75,000 bonus miles + Companion Fare voucher after $3,000 in purchases within first 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one from $23” ($0 fare plus taxes and fees from just $23).
  • Free first checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $70 roundtrip per person).
  • $95 annual fee.

Hawaiian Airlines MasterCard

  • 60,000 Hawaiian miles after $1,000 in purchases within the first 90 days. Try various 6-digit codes, like “000111”. The normal offer has a higher spending requirement. See link for details.
  • Two free checked bags for primary cardmember when you use your card to purchase tickets directly from Hawaiian Airlines.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

JetBlue Plus Card

  • 70,000 bonus TrueBlue points after $1,000 on purchases and paying the $99 annual fee in full, both within the first 90 days. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

American Express® Gold Card

  • 60,000 Membership Rewards(R) points after $6,000 in purchases in the first 6 months. See link for details.
  • $84 Dunkin’ Credit. Up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at US Dunkin’ locations. Enrollment is required.
  • $100 Resy Credit. Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. Broken down into up to $50 in statement credits semi-annually. Enrollment is required.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • Up to $120 in annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment is required.
  • 4X points at restaurants worldwide on up to $50,000 per calendar year.
  • 4X points at US supermarkets on up to $25,000 per calendar year.
  • $325 annual fee.
  • See Rates and Fees

Delta SkyMiles® Gold American Express Card

  • 50,000 Bonus Miles after $2,000 in purchases within the first 6 months. See link for details.
  • 50,000 Skymiles are worth at least $500 in Delta airfare with “Pay with Miles” option.
  • $200 Delta flight credit after $10,000 in purchases on your card in a calendar year.
  • First checked bag free on Delta flights ($70 value per roundtrip, per person).
  • $0 annual fee for the first year, then $150.
  • See Rates and Fees

UnitedSM Explorer Card

  • 60,000 miles after $3,000 in purchases within 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $160 per roundtrip) when you use your Card to purchase your United ticket.
  • 2 United ClubSM one-time passes per year.
  • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.
  • $0 intro annual fee for the first year, then $150.
  • Subject to 5/24 rule.

Hilton Honors American Express Card

  • 80,000 Hilton Honors Bonus Points after $2,000 in purchases in your first 6 months of Card Membership.
  • No annual fee.
  • See Rates and Fees

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. I mostly use my rewards points on family trips – domestic economy flights, mid-range hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

* 5/24 Rule? Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 24 months (2 years). This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Delta SkyMiles(R) Gold American Express Card: See Rates and Fees

American Express(R) Gold Card: See Rates and Fees

The Platinum Card(R) from American Express: See Rates and Fees

Marriott Bonvoy Brilliant(R) American Express(R) Card: See Rates and Fees

Hilton Honors Card from American Express: See Rates and Fees

Filed Under: Credit Cards, Deals & Offers // Tagged:
Last updated: May 13, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Capital One Venture Rewards Credit Card: 75,000 Miles (Worth $750 in Travel)

Posted on May 8, 2025 // 12 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

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The card_name is a premium travel rewards card with a flat 2 Miles per dollar on all purchases. 75,000 miles can be redeemed as a $750 credit towards any travel purchase made with the card (any airline website, any hotel website, AirBNB stays, Uber rides, no blackout dates). Here are the highlights:

  • 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening – that’s equal to $750 in travel.
  • 2X Miles per dollar on every purchase, every day.
  • 5X Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. They offer a Price Match Guarantee.
  • Up to a $120 credit for Global Entry or TSA PreCheck®.
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network. This perk is valid through December 31, 2024.
  • Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel.
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Miles won’t expire for the life of the account and there’s no limit to how many you can earn.
  • $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection.
  • No foreign transaction fees.
  • $95 annual fee.

Note the following about existing or previous cardholders:

Existing or previous cardmembers are not eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.

(Capital One’s “ultra-premium” card is the Capital One Venture X Rewards Credit Card, which has more perks including Priority Pass airport lounge access and a $300 annual travel credit through Capital One Travel, but also a higher $395 annual fee. This Venture card is more directly competitive with the Chase Sapphire Preferred, while the Venture X competes more directly with the Chase Sapphire Reserve.)

Redemption details. Capital One “miles” can be redeemed directly for a cash statement credit on a 1 mile = $0.01 basis when offsetting any travel purchase made on the card within the past 90 days. In other words, 50,000 miles = $500 toward travel. That means you can fly on any airline or stay at any hotel, pay with this card, and then “erase” that purchase using your miles balance later. This even includes AirBnB vacation rentals, car rentals, and Uber rides.

This means that earning 2 miles on on every $1 in purchases essentially makes this a 2% back card when applied towards travel. You also have the option of booking travel through their travel portal, similar to Chase Ultimate Rewards, but you are not required to do so. You have the flexibility of booking through them or making the purchase directly through the airline, hotel, car rental counter, etc. This makes it easy to combine and spend all your Capital One miles.

Miles transfer options. Capital One now allows you to transfer your “miles” into select airline miles programs as well. Here are the airline transfer partners:

  • Aeromexico
  • Air France/KLM
  • Air Canada Aeroplan
  • Cathay Pacific Asia Miles
  • Avianca Lifemiles
  • British Airways Avios
  • Emirates Skywards
  • Etihad
  • EVA
  • Finnair
  • Qantas
  • Singapore Airlines Krisflyer
  • TAP Air Portugal
  • Turkish Airlines
  • Virgin Red

Hotel partners

  • Accor Live Limitless
  • Choice Hotels

If you know how to leverage one of these international airline miles programs (my favorites are Aeroplan and Avios since you can combine family points), this can be a very valuable option. Otherwise, it’s nice to know you can always get a certain level of value by redeeming against any travel purchase.

Bottom line. The card_name earns 2 Miles per dollar on every purchase, which you can either redeem against any travel purchase or transfer to one of their airline/hotel partners.

Due to the $700+ potential first-year value, I will be adding this card to my list of Top 10 Best Credit Card Bonus Offers.

Filed Under: Credit Cards, Deals & Offers, General //
Last updated: May 13, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

CIT Bank Platinum Savings $225/$300 Bonus + 4.10% APY (New and Existing Customers)

Posted on May 6, 2025 // 32 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Update 5/5/25: I successfully received my $300 deposit bonus on top of the normal interest within the 60 days of deposit (actually 56 calendar days). I held for 60 days for simplicity, but other readers have confirmed the bonus arrived after only the stated 30-day minimum hold. This offer is still available if you haven’t done it yet.

Original post:

CIT Bank has a new limited-time $225/$300 Platinum Savings deposit bonus. The bonus depends on deposit amount, and it is open to both new and existing customers. The bonus is on top of the interest rate, currently 4.10% APY (as of 3/20/25) with a balance of $5,000 or more.

New deposit bonus details. For new customers, you must first open a new account with at least $100 and promo code PS2025 at this special offer link. You’ll get multiple confirmations that you are enrolled in the promo during the application process.

If you already had an CIT Bank existing account as of 2/26/25, you still need to first officially enroll in this offer via the “Start savings now” button and then logging into your CIT Bank account. If you have other CIT Bank accounts already, but need to open a new Platinum Savings account, you can do that easily as well.

There are only two tiers for the bonus, either $25,000 or $50,000. Qualifying funds must come from an account outside of CIT Bank. (Transfers from existing CIT Bank accounts will not qualify for this promotion.)

  • A new deposit of $25,000 to $49,999 within 30 calendar days of your open/enrollment date will get you a $225 cash bonus.
  • A new deposit of $50,000+ within 30 calendar days of your open/enrollment date will get you a $300 cash bonus.

There is a limit of one Platinum Savings promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.

All customers who qualify for the $225 or $300 bonus offer will receive the bonus in the enrolled Platinum Savings account within 60 days after the 30-day funding period. The enrolled Platinum Savings account must be open at the time of the bonus payment to qualify. You can fund all at once or in multiple transfers, it just has to be done within the 30-day window.

Importantly, there is no minimum holding period. You just need to fund within the 30-day period after your opening/enrollment date. Although not explicitly required in the terms, I choose to be extra careful and make sure to time it such that the money is through the 30-day mark. After that, your account just needs to be open at the time of the bonus payment, which is another 60 days after the 30-day mark. You do not have to maintain the balance during those additional 60 days, although you could choose to keep it there until the bonus arrives.

Effective APY rough numbers. The lack of minimum holding period makes the potential effective APY theoretically sky-high. For the sake of rough numbers, if you assume you keep the money there for 30 days, here are the effective interest rates you could get as either a new or existing customer:

  • For a new/existing customer earning the $225 bonus on $25,000 in new deposits with a 30-day hold period, which also qualifies you for the current 4.10% APY tier, that works out to a total 14.9% APY for 30 days (10.8 + 4.10).
  • For a new/existing customer earning the $300 bonus on $50,000 in new deposits with a 30-day hold period, which also qualifies you for the current 4.10% APY tier, that works out to a total 11.3% APY for 30 days (7.2 + 4.10).

You can see that the $25k tier works out to be a higher percentage, but you get more absolute money if you have enough fund for the $50k tier.

The Platinum Savings account has no minimum balance fees, no monthly service fees, no inactivity fee. Make sure you keep $5,000 in there to qualify for the highest interest rate tier.

Bottom line. CIT Bank has really good limited-time deposit bonuses from time to time, and they are also usually available to existing customers. Right now is one of those times, with a new up to $300 Platinum Savings deposit bonus and it is indeed open to both new and existing customers. The bonus is on top of the interest rate, currently 4.10% APY (as of 3/20/25) with a balance of $5,000 or more.

This offer is for a limited-time only, and they may end it at any time if their goals are met.

I am doing this offer, and as an existing CIT account owner, enrolling and funding was very easy as my other bank accounts were already linked and ready to go. My fund have arrived and they have confirmed my bonus by e-mail. They are also pretty solid as a transfer hub.

Filed Under: Banking, Deals & Offers //
Last updated: May 7, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Walmart+ Week 2025: Bonus Walmart Cash, Free Express Delivery, Gas Discount, Burger King

Posted on April 29, 2025 // 5 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Walmart+ Week 2025 is running from 4/28 to 5/4/25 and here are the offers mostly for paid Walmart+ members (not in trial period), including estimated value and potentially useful fine print:

  • 1 Free Express Delivery ($10 estimated value). Get stuff within 1-hour or 2-hours. Available to paid Walmart+ members only. One time use during 4/28/25 – 5/4/25. Express Delivery discount applied at time delivery is scheduled and order is placed. No order minimum.
  • 50 cents off per gallon at Exxon & Mobil Stations. (15 gallons = $7.50 value). Participating stations only. Valid 4/28/25 – 5/4/25.
  • Free Burger King sandwich w/ $1 purchase every day. Walmart + Members can redeem a free single Croissan’wich® with a $1 minimum purchase once per day, and one free Whopper® Jr. with a $1 minimum purchase once per day, at participating U.S. Burger King® restaurants.
  • 6 months of Paramount+ with SHOWTIME plan. Available to paid Walmart+ members only. Limited supply. Valid 4/28/25 – 5/4/25. Separate registration required. Cannot be in an active Paramount+ with SHOWTIME plan upgrade. After free trial, plan will automatically renew at $5.49/mo for monthly members or $64.99/yr for annual members.
  • $5 Walmart Cash with scan & go. One-time. Available to paid Walmart+ members only. Limited to one redemption between 4/28/25 – 5/4/25. Basket must be over $15. Only available while supplies last.
  • $10 Walmart Cash w/ two Walmart+ Week offer redemptions from above list. Available to paid Walmart+ members only when you redeem two Walmart+ Week offers. Valid 4/28/25 – 5/4/25.

I joined Walmart+ in the past, but I didn’t really find value in it. I mostly just use the pickup service because my experience with their delivery service hasn’t been the best (broken/missing items, unexpectedly cancelled deliveries, etc). I suspect this varies by location. I prefer their pickup service as you can add items up until pretty last-minute, and then you can also reject their substitutions all the way up to the time of pickup.

I did notice that Walmart+ members can now use Scan & Go at Walmart (this is popular at Sam’s Club for faster checkouts).

Walmart+ is also offering all expired Walmart+ members a “half off” $49 Discounted Membership Offer until 5/4/2025. If I grabbed all of the Walmart+ Week offers that are actually useful to me, it adds up to about $25. It would be easy to start the 6-months of Paramount+ and use Scan & Go. Is a net price of $25 worth it? 🤔

Filed Under: Deals & Offers //
Last updated: April 29, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Bilt Mastercard: Rent Rewards w/ Any Landlord (May 1st Rent Day / Southwest Transfer Bonus)

Posted on April 27, 2025 // 12 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Update for Rent Day 5/1. For Rent Day on 5/1, Bilt Rewards is offering the following additional perks. If you are a renter, this program offers steady stream of free monthly points and a variety of promotional perks. They also recently announced a change to their rent payment system that adds a pre-approval step in the app (probably to counter fraud, but they tease that points for mortgage payments are coming…).

On May 1st only, Bilt is offering a transfer bonus to Southwest Rapid Rewards, which is also a new transfer partner for them. Blue gets a 25% bonus (1,000 Bilt points = 1,250 Avios). Silver gets a 50% bonus (1,000 Bilt points = 1,500 Avios). Gold gets a 75% bonus (1,000 Bilt points = 1,750 Avios). Platinum gets a 100% bonus (1,000 Bilt points = 2,000 Avios).

Rent Day always means their 2X double points promo where you can get 6X on dining, 4X on travel, and 2X on other purchases (except rent). There is a cap of 1,000 bonus points.

You can still earn lots of Bilt points just for paying monthly rent to any landlord with no transaction fees, which is their most important feature. I don’t know the status of all the other smaller bonuses listed below for new customers.

Just joined recently? Look for these free Bilt Points opportunities (any day). Bilt lets you earn bonus points for a variety of different small activities, which can add up to 1,000+ easy points. I don’t know if these are officially listed anywhere, but I got them.

  • After I first got approved for the Bilt card, they offered me 5X Bilt points on all purchases (except rent) for a limited period of time (reader Eileen reports 5 days). This is a good opportunity to earn 5X points for everyday larger purchases like insurance, tax payment, charitable giving, or utility bills. Max 50,000 points.
  • 100 points for linking each transfer partner. Link Hyatt? 100 points. Link Air Canada Aeroplan? 100 points. Link them all! 10+ partners = 1,000+ points.
  • 500 points for Amazon Shop with Points. Link your Amazon account and you can buy stuff with Bilt points at the usual mediocre 0.7 cents per points value. Linking gets you 250 points, and using the program (spend at least 1 Bilt point) and get another 250 Bilt points.
  • 100 points for each credit card linked to Bilt Dining (up to 300 points). Bilt Dining lets you earn 5X points per dollar when you pay at an eligible restaurant using a linked credit card. Link three different credit cards, get 300 Bilt points.

Important reminder: You must use your card to make 5 purchases (of any amount) each statement period to earn points.

Full review:

The updated Bilt Mastercard is a unique credit card that earns rewards on rent payments to any landlord. Bilt is a rent payment platform and they will send your landlord a check or ACH bank transfer so that your landlord will not have to do anything. The credit card itself is issued by Wells Fargo. Bilt has bonus categories and a variety of points redemption options like many other rewards credit cards. Here are the highlights:

  • Up to 1X points spent on rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 3X points on dining.
  • 2X points on travel including hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies.
  • 1X points on other purchases.
  • Earn points when you make 5 transactions that post each statement period.
  • When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian(TM), TransUnion(TM), and Equifax(TM).
  • No annual fee.
  • World Elite Mastercard perks like cell phone insurance and purchase protection.

That means your rent can be up to $100,000 per year ($8,333 per month) and you would still be able to take full advantage of the 1X points per dollar spent on rent payments. They do require you to make at least 5 transactions per month (rent can be one), otherwise too many people might just put their rent on the card and not use the card otherwise.

Bilt has partnered with the owners of over 2,000,000 apartment units to create the Bilt Rewards Alliance. The easiest way is find out if you live in a qualifying property is to simply type in your address into the Bilt app.

Bilt also offers Double Points on “Rent Day”, aka the 1st of every month. This means that on the 1st day of every month, you can get 6X on dining, 4X on travel, and 2X on other purchases(except rent). They also offer other promos on this day.

Bilt Rewards Points redemption options

Travel partners. Bilt Rewards points transfer on a 1:1 basis to the following hotel and airline partners. You can also get 100 bonus points for every loyalty program you link to Bilt.

  • Alaska Airlines Mileage Plan (NEW)
  • Air Canada Aeroplan
  • United Airlines
  • Hawaiian Airlines
  • FlyingBlue (Air France/KLM)
  • Miles & Smiles (Turkish Airlines)
  • Emirates Skywards
  • Cathay Pacific Asia Miles
  • British Airways Executive Club
  • Virgin Atlantic Flying Club
  • Aer Lingus Aer Club
  • Turkish Miles & Smiles
  • Iberia Plus
  • TAP Air Portugal
  • World of Hyatt
  • IHG One
  • Accor ALL

Hyatt hotel points, Alaska, United, and Hawaiian miles are likely the most useful points for the average US traveler. I am conservative when valuing points and miles due to their redemption hassles and steady threat of devaluation, so I would place the value here a 1 cent a point even though I definitely plan to exceed that. You may wish to use a different value.

Home Downpayment? Bilt says that your points can be redeemed at 1.5 cents per point when used towards a home downpayment. This seems like it might be rather complicated to actually redeem, so I would keep it mind but wouldn’t count on it. If you racked up 100,000 points over time, it would be nice to have $1,500 via this method.

Shop with Points at Amazon. You can link your Bilt Rewards points to Amazon and pay for your purchases at rate of 0.70 cents per point.

Rent. Bilt will let you convert points towards your next rent payment at 0.55 cents per point. This is not a good redemption rate when compared to the miles/Hyatt option. It’s too bad there is no easy, decent cash-out option.

Statement credit. Bilt will also let you convert points towards a statement credit on your credit card statement at 0.55 cents per point.

Other options include fitness classes or physical items like “limited-edition” home decor or art in the “Bilt Collection” catalog. Personally, I like being able to add to my Hyatt and Canada Aeroplan stash.

Possibly help your credit score? When renting at a Bilt Alliance property, your on-time payment activity can be automatically reported to the three major credit bureaus. In addition, with the optional “BiltProtect” feature, your rent payments will be immediately withdrawn from a linked bank account so your credit limit is not decreased (and ideally your rent won’t contribute to your credit card debt).

How do I pay my landlord or property manager? They don’t take credit cards due to the transaction fees. Bilt will provide you with a bank ACH routing number and account number that you can use to perform an ACH transfer, or they will simply send a paper check on your behalf. In March 2025, Bilt added a pre-authorization step that you have to do first in the Bilt app. After that they will provide you new routing and account numbers. You don’t actually pay with the credit card, nor do you or your landlord have to pay any credit card transaction fees.

1. Pre-authorize your payment in the Bilt app (before you pay rent)
Each month, pre-authorize your rent payment from the Bilt app, up to five (5) days before paying rent.
Select your rent amount and payment method.
Use your Bilt Mastercard® for your usual rewards and waived fees, or
Use any other credit/debit card to earn both Bilt Points AND your card’s rewards.
First time only: You’ll receive your BillPay by Bilt routing and account numbers. Add these to your property’s payment portal, replacing your old Rent Rewards account details.
Optional: After setting up BillPay, you can enable auto-authorization under ‘Rent Payment Options’ by selecting the day of the month and payment amount you want automatically authorized each month.

Free cell phone protection. Pay your monthly cell phone bill with your Bilt Mastercard and get up to $800 of protection (subject to $25 deductible) against covered damage or theft. For complete coverage details, visit wellsfargo.com/biltbenefits. To file a claim, call 1-800-316-8051 or visit mycardbenefits.assurant.com.

Bottom line. The Bilt Mastercard offers a unique rewards structure targeted specifically at all renters with any landlord. At $2,000 a month in rent, the 1X rewards would add up to 24,000 points per year in rewards = 24,000 Alaska/United/Hawaiian miles or 24,000 Hyatt points with no additional transaction fees and no credit card annual fee. You may even do better if you wait for a “Rent Day” promo on the first of the month. Something to consider if you already have to pay rent anyway.

Filed Under: Credit Cards, Deals & Offers //
Last updated: April 27, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Aven Advisor: Track Your Finances, Get $5 Starbucks Gift Card Every Week (Homeowners w/ 700+ Credit)

Posted on April 22, 2025 // 29 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Update April 2025: I’ve continued to receive my $5 in SBUX credit every week with no issues, up to over $50 so far. Honestly, getting $5 worth of caffeine every week feels better than it should, no wonder Starbucks is effectively running its own currency. You do need to remember to log into the app every week (Fridays for me, not sure if same day for everyone). Now you can either sign up for Starbucks or Dunkin credit (thanks to DoC).

You can still get an additional one-time $5 cash bonus if you open through Aven.com/advisor and use my invite code JP25DJVG7K during the app sign-up. You’ll need to link a bank account via Plaid to get the $5 transferred to you.

Some caveats: Don’t accidentally sign-up for their credit card, it is not required to get this $5 weekly credit. They have also added new fine print that the offer is limited to residents of AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SD, TN, UT, VA, WI, WY. This was not the case originally.

Original post from 2/3/2025:

Aven Advisor is a new app that promises to help to track your financial situation. Kind of like the old Mint app, you have to give them your personal info and link up bank accounts/credit cards, and then they offer a unique mix of things:

  • Free weekly credit score (VantageScore 4.0 for me, even though some screenshots show FICO).
  • Find your hidden subscriptions by mining your transactions.
  • Track your home value, neighborhood home prices, and show you nearby house listings.
  • Get a free lien report on your property.
  • Track your bank balances, brokerage balances, and credit card debt.
  • Track the value of your car.
  • Shows you nearby Facebook Marketplace listing for cars and other random things.

So why give them your data? Well, if you are a homeowner with a good credit (700+), they will give you $5 in Starbucks credit once every week. You have to manually open the app and tap the link on every Monday (so they know you’re actively using it), but I’ve successfully gotten my credit. Loads right onto my Starbucks app, see screenshot below.

Join at Aven.com/advisor (remember, only homeowners get the Starbucks offer). You can also get an additional one-time $5 cash bonus with my referral code JP25DJVG7K. Thanks if you use it. You’ll have to link a bank account via Plaid to transfer the $5 into your account.

Filed Under: Banking, Credit Cards, Deals & Offers //
Last updated: April 23, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Frontier Airlines Gold Status Match for All Southwest Rapid Rewards Members

Posted on April 21, 2025 // Leave a Comment
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Frontier Airlines is offering a status match promo to their Gold Status for all Southwest Rapid Rewards Members. The status match lasts through December 31st, 2025. Offer is set to expire April 30, 2025. It costs $40 to apply for this status match, but my understanding is that as long as you have a single Frontier flight sometime during 2025 where you’d like to bring any sort of luggage, you’ll basically break-even or better. A single carry-on baggage fee paid at booking starts at $30 and can cost up to $55 ($60 if checked at gate). Standard seat assignments cost from ~$17 to $55.

If you fly Frontier regularly, then this could be a very valuable deal. (I’ve never flown Frontier myself, but I understand that between certain cities, they are often the best deal by far, even with all the various add-on fees.)

Gold Status includes:

  • Priority boarding (Zone 1)
  • Free seat assignment at booking (Preferred). Possible free Premium seat upgrade at check-in.
  • Free carry-on bag.
  • No change or cancellation fees (+7 days from departure).
  • Priority customer care.
  • 14X points per $1 spent at flyfrontier.com.

Selected terms from the fine print:

· All applicants must be current members of the FRONTIER Miles? program. If you’re not currently enrolled, you may do so here.

· Eligible members must hold a valid Southwest Rapid Rewards membership (joined Rapid Rewards before April 16th, 2025) and provide details.

· The FRONTIER Miles Elite Gold Status offer is valid for purchase for a limited time. The offer may change or be withdrawn at any time, including but not limited to the fees and validity period.

· The Instant FRONTIER Miles Elite Gold Status offer provides eligible and approved members Frontier Elite Gold Status through December 31, 2025.

· The upgrade to the member account will be processed within 24-48 hours.

Filed Under: Deals & Offers //
Last updated: April 22, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Best Interest Rates Survey: Savings Accounts, Treasuries, CDs, ETFs – April 2025

Posted on April 20, 2025 // 2 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Here’s my monthly survey of the best interest rates on cash as of April, roughly sorted from shortest to longest maturities. Banks love taking advantage of our idle cash, and you can often earning more money while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are available to everyone nationwide. Rates checked as of 4/20/2025.

TL;DR: Short-term savings accounts dropped again slightly overall. Short-term T-Bill rates at around 4.3%. Top 5-year CD rates are ~4.25% APY, while 5-year Treasury rate is ~4%.

High-yield savings accounts*
Since the huge megabanks still pay essentially no interest, everyone should at least have a separate, no-fee online savings account to piggy-back onto your existing checking account. The interest rates on savings accounts can drop at any time, so I list the top rates as well as competitive rates from banks with a history of competitive rates and solid user experience. Some banks will bait you with a temporary top rate and then lower the rates in the hopes that you are too lazy to leave.

  • The top saving rate at the moment: Roger.bank is at 4.65% APY (no min), but does require an additional companion checking account. OnPath FCU has a new account paying 5.00% APY but requires $25,000 min. CIT Platinum Savings is now at 4.10% APY with $5,000+ balance, but also has a $225/$300 deposit bonus you can stack on top. There are many banks in between.
  • SoFi Bank is at 3.80% APY + up to $325 new account bonus with direct deposit. You must maintain a direct deposit of any amount (even $1) each month for the higher APY. SoFi has historically competitive rates and full banking features. See details at $25 + $300 SoFi Money new account and deposit bonus.
  • Here is a limited survey of high-yield savings accounts. They aren’t the top rates, but a group that have historically kept it relatively competitive such that I like to track their history.

Short-term guaranteed rates (1 year and under)
A common question is what to do with a big pile of cash that you’re waiting to deploy shortly (plan to buy a house soon, just sold your house, just sold your business, legal settlement, inheritance). My usual advice is to keep things simple and take your time. If not a savings account, then put it in a flexible short-term CD under the FDIC limits until you have a plan.

  • No Penalty CDs offer a fixed interest rate that can never go down, but you can still take out your money (once) without any fees if you want to use it elsewhere. Marcus has a 13mo No Penalty CD at 4.00% APY ($500 minimum deposit). Farmer’s Insurance FCU has 9-month No Penalty CD at 4.25% APY ($1,000 minimum deposit). Kinecta FCU has 9-month Liquid CD at 4.25% APY ($10,000 minimum) that allows for daily penalty-free withdrawals of up to 50% of the start of day balance. Consider opening multiple CDs in smaller increments for more flexibility.
  • Security State Bank has a 12-month certificate special at 4.65% APY ($25,000 min). Early withdrawal penalty is 180 days of interest.

Money market mutual funds
Many brokerage firms that pay out very little interest on their default cash sweep funds (and keep the difference for themselves). Note: Money market mutual funds are highly-regulated, but ultimately not FDIC-insured, so I would still stick with highly reputable firms.

  • Vanguard Federal Money Market Fund (VMFXX) is the default sweep option for Vanguard brokerage accounts, which has an SEC yield of 4.22% (changes daily, but also works out to a compound yield of 4.30%, which is better for comparing against APY). Odds are this is much higher than your own broker’s default cash sweep interest rate.
  • Vanguard Treasury Money Market Fund (VUSXX) is an alternative money market fund which you must manually purchase, but the interest will be mostly (100% for 2024 tax year) exempt from state and local income taxes because it comes from qualifying US government obligations. Current SEC yield of 4.23% (compound yield of 4.31%).

Treasury Bills and Ultra-short Treasury ETFs
Another option is to buy individual Treasury bills which come in a variety of maturities from 4-weeks to 52-weeks and are fully backed by the US government. You can also invest in ETFs that hold a rotating basket of short-term Treasury Bills for you, while charging a small management fee for doing so. T-bill interest is exempt from state and local income taxes, which can make a significant difference in your effective yield.

  • You can build your own T-Bill ladder at TreasuryDirect.gov or via a brokerage account with a bond desk like Vanguard and Fidelity. Here are the current Treasury Bill rates. As of 4/17/25, a new 4-week T-Bill had the equivalent of 4.32% annualized interest and a 52-week T-Bill had the equivalent of 3.99% annualized interest.
  • The iShares 0-3 Month Treasury Bond ETF (SGOV) has a 4.18% SEC yield (0.09% expense ratio) and effective duration of 0.09 years. SPDR Bloomberg Barclays 1-3 Month T-Bill ETF (BIL) has a 4.13% SEC yield (0.136% expense ratio) and effective duration of 0.15 years. The Vanguard 0-3 Month Treasury Bill ETF (VBIL) hasn’t been around long enough to generate an SEC yield (0.07% expense ratio).

US Savings Bonds
Series I Savings Bonds offer rates that are linked to inflation and backed by the US government. You must hold them for at least a year. If you redeem them within 5 years there is a penalty of the last 3 months of interest. The annual purchase limit for electronic I bonds is $10,000 per Social Security Number, available online at TreasuryDirect.gov.

  • “I Bonds” bought between November 2024 and April 2025 will earn a 3.11% rate for the first six months. The rate of the subsequent 6-month period will be based on inflation again. More on Savings Bonds here.
  • In mid-April 2025, the CPI will be announced and you will have a short period where you will have a very close estimate of the rate for the next 12 months. Read all the details about your options here.

Rewards checking accounts
These unique checking accounts pay above-average interest rates, but with unique risks. You have to jump through certain hoops which usually involve 10+ debit card purchases each cycle, a certain number of ACH/direct deposits, and/or a certain number of logins per month. If you make a mistake (or they judge that you did) you risk earning zero interest for that month. Some folks don’t mind the extra work and attention required, while others would rather not bother. Rates can also drop suddenly, leaving a “bait-and-switch” feeling.

  • OnPath Federal Credit Union (my review) pays 7.00% APY on up to $10,000 if you make 15 debit card purchases, opt into online statements, and login to online or mobile banking once per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization. You can also get a $100 Visa Reward card when you open a new account and make qualifying transactions.
  • Genisys Credit Union pays 6.75% APY on up to $7,500 if you make 10 debit card purchases of $5+ each per statement cycle, and opt into online statements. Anyone can join this credit union via $5 membership fee to join partner organization.
  • La Capitol Federal Credit Union pays 5.75% APY on up to $10,000 if you make 15 debit card purchases of at least $5 each per statement cycle. Anyone can join this credit union via partner organization, Louisiana Association for Personal Financial Achievement ($20).
  • First Southern Bank pays 5.50% APY on up to $25,000 if you make at least 15 debit card purchases, 1 ACH credit or payment transaction, and enroll in online statements.
  • Credit Union of New Jersey pays 6.00% APY on up to $25,000 if you make 12 debit card purchases, opt into online statements, and make at least 1 direct deposit, online bill payment, or automatic payment (ACH) per statement cycle. Anyone can join this credit union via $5 membership fee to join partner organization.
  • Andrews Federal Credit Union pays 5.50% APY (down from 6%) on up to $25,000 if you make 15 debit card purchases, opt into online statements, and make at least 1 direct deposit or ACH transaction per statement cycle. Anyone can join this credit union via partner organization.
  • Find a locally-restricted rewards checking account at DepositAccounts.

Certificates of deposit (greater than 1 year)
CDs offer higher rates, but come with an early withdrawal penalty. By finding a bank CD with a reasonable early withdrawal penalty, you can enjoy higher rates but maintain access in a true emergency. Alternatively, consider building a CD ladder of different maturity lengths (ex. 1/2/3/4/5-years) such that you have access to part of the ladder each year, but your blended interest rate is higher than a savings account. When one CD matures, use that money to buy another 5-year CD to keep the ladder going. Some CDs also offer “add-ons” where you can deposit more funds if rates drop.

  • KS State Bank has a 5-year certificate at 4.15% APY ($500 minimum), 4-year at 4.15% APY, 3-year at 4.15% APY, 2-year at 4.20% APY, and 1-year at 4.25% APY. $500 minimum. The early withdrawal penalty (EWP) for the 5-year is a huge 540 days of interest.
  • Mountain America Credit Union (MACU) has a 5-year certificate at 4.25% APY ($500 minimum), 4-year at 4.25% APY, 3-year at 4.25% APY, 2-year at 3.95% APY, and 1-year at 4.25% APY. Early withdrawal penalty for the 4-year and 5-year is 365 days of interest. Anyone can join this credit union via partner organization American Consumer Council for a one-time $5 fee (or try promo code “consumer”).
  • Lafayette Federal Credit Union (LFCU) has a 5/4/3/2/1-year certificates at 4.28% APY ($500 min). Slightly higher rates with jumbo $100,000+ balances. Note that the early withdrawal penalty for the 5-year is a relatively large 600 days of interest. Anyone nationwide can join LFCU by joining the Home Ownership Financial Literacy Council (HOFLC) for a one-time $10 fee.
  • You can buy certificates of deposit via the bond desks of Vanguard and Fidelity. You may need an account to see the rates. These “brokered CDs” offer FDIC insurance and easy laddering, but they don’t come with predictable early withdrawal penalties. Right now, I see a 5-year non-callable brokered CD at 4.00% APY (callable: no, call protection: yes). Be warned that both Vanguard and Fidelity will list higher rates from callable CDs, which importantly means they can call back your CD if rates drop later. (Issuers have indeed started calling some of their old 5%+ CDs during 2024.)

Longer-term Instruments
I’d use these with caution due to increased interest rate risk (tbh, I don’t use them at all), but I still track them to see the rest of the current yield curve.

  • Willing to lock up your money for 10 years? You can buy long-term certificates of deposit via the bond desks of Vanguard and Fidelity. These “brokered CDs” offer FDIC insurance, but they don’t come with predictable early withdrawal penalties. You might find something that pays more than your other brokerage cash and Treasury options. Right now, I see a 10-year CDs at [n/a] (non-callable) vs. 4.34% for a 10-year Treasury. Watch out for higher rates from callable CDs where they can call your CD back if interest rates drop.

All rates were checked as of 4/20/25.

* I no longer recommend fintech companies due to the possibility of loss due to poor recordkeeping and lack of government regulation. (Ex. Evergreen Wealth at 5% APY is a fintech.)

Photo by insung yoon on Unsplash

Filed Under: Banking, Deals & Offers, Investing // Tagged:
Last updated: April 23, 2025
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

MyMoneyBlog.com is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

Top 10 Best Small Business Credit Card Bonus Offers – April 2025

Posted on April 18, 2025 // 23 Comments
My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone.

Updated April 2025. Do you have small business income or work as an independent contractor? Freelance, Uber/Lyft, DoorDash, Amazon, eBay, Etsy, Airbnb? A small business credit card separates your personal and business expenses and can build up your business credit profile. If you are not a corporation or LLC, you can apply as a sole proprietorship, with your name as the business name and your Social Security number as the Tax ID number. These are the top 10 credit card offers that I would personally apply for right now (or have already). Recent changes:

  • Added Amex Platinum 150k+$500, Venture X 350k, Citi AA 75k, Marriott 3FreeNights, United 125k, Spark $2,000, Amex Gold 100k.
  • Removed Hilton 175k, Alaska 70k, Delta Gold 90k, Marriott 125k, Hyatt 60k+FreeNightAward, JetBlue 60k, Ink Unlimited $900

This is a companion post to my Top 10 Best Credit Card Bonus Offers for personal cards. Notice that small business bonuses are on average even higher than those on consumer cards.

Capital One Venture X Business Card

  • Up to 350,000 bonus miles. 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months. 350,000 Miles can be redeemed for $3,500 towards travel (including airfare and hotel stays). See link for details.
  • $300 annual travel credit. Get up to $300 in statement credits when booking through Capital One’s travel booking site.
  • Additional 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.
  • Capital One Lounges, Priority Pass(TM) and Plaza Premium Group lounges access. Unlimited visits for primary cardholder and 2 free guests per visit.
  • Up to a $120 credit for Global Entry or TSA PreCheck(R).
  • $395 annual fee.

The Business Platinum® Card from American Express

  • 150,000 Membership Rewards® points after $20,000 in eligible purchases in the first 3 months. Plus, a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card® within the first 3 months. You can earn one or both of these offers. Offer ends 6/30/25. See link for details.
  • American Express Global Lounge Collection® provides complimentary access to more than 1,400 airport lounges across 140 countries and counting, including their exclusive Centurion lounges.
  • $1,000+ in value per year via statement credits on select purchases, including tech, recruiting and wireless. Enrollment required.
  • $695 annual fee.
  • See Rates and Fees

Capital One Spark Cash Plus Card

  • $2,000 cash bonus after $30,000 in purchases in the first 3 months. Additional $2,000 cash bonus for every $500K spent during the first year. See link for details.
  • Unlimited 2% cash back spent on all purchases with no limit.
  • $150 annual fee; Spend $150,000 annually and Capital One will refund this fee every year.

American Express® Business Gold Card

  • 100,000 Membership Rewards points after $15,000 in eligible purchases in the first 3 months. See link for details.
  • Up to $240 Annual Flexible Business Credit. Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment is required.
  • Up to $155 Annual Walmart+ Credit. Get up to $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. Enrollment is required.
  • Annual fee is $375.
  • See Rates and Fees

UnitedSM Business Card

  • 125,000 bonus United miles after $5,000 in purchases in the first 3 months. See link for details.
  • Free first checked bag for both you and a companion (a savings of up to $160 per roundtrip).
  • 2 United ClubSM one-time passes each year.
  • $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United? Business Card.
  • $150 Annual Fee.
  • Subject to 5/24 rule.*

CitiBusiness / AAdvantage Platinum Select Mastercard

  • 75,000 American Airlines miles after $5,000 in purchases in first the 4 months. Limited-time offer. See link for details.
  • First checked bag free on domestic AA flights for you and up to 4 companions (Up to $80 value per roundtrip, per person).
  • $0 annual fee for the first year, then $99.

Ink Business Preferred® Credit Card

  • 90,000 Ultimate Rewards points (worth $900 straight cash back or $1,125 toward travel when redeemed through Chase Travel) after $8,000 in purchases in the first 3 months. See link for details.
  • 3X points on the first $150,000 spent on travel, shipping purchases, internet/cable/phone services, and advertising purchases with social media sites and search engines.
  • Primary rental car coverage when renting for business purposes.
  • $95 annual fee.
  • Subject to 5/24 rule.*

Ink Business Unlimited® Credit Card

  • $750 bonus cash back. (75,000 Ultimate Rewards points) after $6,000 in purchases in the first 3 months. See link for details.
  • Flat 1.5% cash back on all purchases with no limit.
  • No annual fee.
  • Subject to 5/24 rule.*

The Hilton Honors American Express Business Card

  • 130,000 Hilton Honors Bonus Points after $6,000 in purchases within the first six months of Card Membership.
  • Up to $240 in Annual Hilton Credits. Get up to $240 back each year on eligible Hilton purchases made on your Hilton Honors American Express Business Card, with up to $60 in statement credits per quarter.
  • $195 annual fee.
  • See Rates and Fees

World of Hyatt Business Credit Card

  • 60,000 Bonus Points after $5,000 in purchases in first 3 months.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • $199 annual fee.
  • Subject to 5/24 rule.

Marriott Bonvoy Business® American Express® Card

  • 3 Free Night Awards after $6,000 in eligible purchases within the first 6 months. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy(R) points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. See link for details.
  • New award night top-off option: Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. For example, the 50k Award can be used to book a hotel at 65,000 points level if you spend 15,000 points of your own. This opens up the number of potential hotels available in expensive areas.
  • Additional Free Night Award upon card anniversary (worth up to 35,000 Bonvoy points). Earn another additional Free Night Award after spending $60K in purchases on your Card in a calendar year.
  • Annual fee is $125.
  • See Rates and Fees

Ink Business Cash® Credit Card

  • Up to $750 bonus cash back total (75,000 Ultimate Rewards points). Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months. See link for details.
  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year.
  • No annual fee.
  • Subject to 5/24 rule.*

Hawaiian Airlines Business MasterCard

  • 50,000 Hawaiian miles after $4,000 in purchases in first 90 days. See link for details.
  • Receive a one-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

BofA Business Advantage Unlimited Cash Rewards card

  • $500 statement credit after $5,000 in purchases in the first 90 days. See link for details.
  • 1.5% cash back on all purchases, which can be increased to 2.62% cash back when combined with the Preferred Rewards program.
  • No annual fee.

US Bank Business Leverage Card

  • 75,000 bonus points after $7,500 in purchases (on the Account Owner’s Card only) in first the 120 days. 75,000 bonus points can be redeemed for $750 in cash back. See link for details.
  • Availability may be restricted to certain states.
  • $0 annual fee for the first year, then $95.

JetBlue Business Card

  • 50,000 TrueBlue points total. 50,000 points after $2,000 in purchases in first 90 days and paying the annual fee. See link for details.
  • First checked bag free for the primary cardmember and up to 3 companions when tickets are purchased with your JetBlue Plus Card.
  • $99 annual fee.

Alaska Airlines Visa Business Card (Bank of America)

  • 60,000 Alaska miles + Companion Fare Voucher after $4,000 in purchase within 90 days. See link for details.
  • Companion fare voucher is “Buy one ticket, get one for $122” ($99 fare plus taxes and fees from just $23).
  • Free checked bag on Alaska flights for you and up to six other passengers on the same reservation (worth $70 roundtrip per person).
  • $70 annual fee for company, plus $25 per card.

Capital One Spark Cash Select Card

  • $500 cash bonus after $4,500 in purchases in the first 3 months. See link for details.
  • Unlimited 1.5% cash back spent on all purchases with no limit.
  • No annual fee.

Southwest® Rapid Rewards® Premier Business Credit Card

  • 60,000 Southwest points after $3,000 on purchases in the first 3 months. See link for details.
  • Southwest still gives everyone two free checked bags.
  • $99 annual fee.
  • Subject to 5/24 rule.*

Delta SkyMiles® Gold Business American Express Card

  • 60,000 Bonus Miles after $4,000 in purchases in the first 6 months. See link for details.
  • 60,000 Skymiles are worth at least $600 in Delta airfare with “Pay with Miles” option.
  • First checked bag free on Delta flights ($70 value per roundtrip, per person).
  • $200 Delta flight credit. Get a $200 credit to use toward future Delta travel after $10,000 in purchases within a calendar year.
  • $0 introductory Annual Fee for the first year, then $150.
  • See Rates and Fees

* Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

American Express(R) Business Gold Card: See Rates and Fees. The Business Platinum(R) Card from American Express: See Rates and Fees. The Hilton Honors American Express Business Card: See Rates and Fees. Marriott Bonvoy Business(TM) Card from American Express(R): See Rates and Fees. Delta SkyMiles(R) Gold Business American Express Card: See Rates and Fees

Filed Under: Credit Cards, Deals & Offers //
Last updated: May 2, 2025
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