Discover Card: Limited-Time $300 Referral Bonus + Double Cash Back First Year

Posted on November 4, 2026 // 1 Comment

Discover credit cards were recently acquired by Capital One, and they have rolled out a solid limited-time offer with a spending requirement of only $500. You can stack these all together via my Discover referral link (thank you if you use it):

  • $100 Referral Bonus. Must open via a valid referral link and make a minimum payment (exceeding $0) within 8 weeks of opening a new Discover account.
  • $200 Early Spend Bonus. Earn a $200 statement credit when you open a Discover it® Cash Back card and spend $500 in the first 3 months. Existing or previous cardmembers may not be eligible for this product if they have received a new cardmember bonus for this product in the past 48 months.
  • Unlimited cash back match during first year. Discover will match all the rewards you’ve earned on your credit card from the day your new account is approved through your first 365 days. That means 1% cashback will turn into 2% cashback, and more notably those 5% cashback categories every quarter turn into 10% cashback categories.

No annual fee. I don’t use my Discover card much beyond the 5% categories, but I appreciate that they make redeeming the cash back easy and that combo has made it a keeper card for over a decade.

You can check if you’ll be approved for this card without a hard credit check, but know that if you actually apply then the usual hard credit check will occur.

Citibank New Consumer Checking Bonus: $325/$475

Posted on November 3, 2026 // 6 Comments

Citibank has a $475 bonus for opening a new Checking and Savings account if you complete some additional activities. If that link doesn’t work, there is also this $325 bonus link for a new Checking only Current offer expiration date is January 11, 2027.

You must open the accounts through the offer page, and you can’t have owned a Citi checking account in the last 365 days. Within 45 days of opening the Regular Checking account, you need at least two “Enhanced Direct Deposits” totaling $3,000 or more. You must also open a Citi Savings account within 45 days, and keep a balance of at least $5,000 in it every day from day 46 through day 90.

“Enhanced Direct Deposit” is much more inclusive than a normal paycheck deposit. It specifically includes ACH transfers and payments received from another financial institution and payments from Zelle® and other payment apps like Venmo or PayPal when processed as ACH transfers. Basically, this promo does not need a direct deposit as long as you can move some money around via ACH transfer.

There is a checking-only version of this promotion pays $325 for the same $3,000 in deposits. So the savings part is worth an extra $150 for keeping $5,000 parked for about six weeks. That’s 3% over roughly 45 days, which annualizes to 24%. So it’s worth going for it if you have the cash.

Regular Checking has a $15 monthly fee, waived with $250+ in Enhanced Direct Deposits each month ($1,000+ starting January 1, 2027.) Citi Savings has $4.50 monthly fee, waived with a Citi Checking account or with a $500+ Average Monthly Balance.

CIT Bank Platinum Savings APY Boost Promo: 6-Months at 4.35% APY (New and Existing Customers)

Posted on November 3, 2026 // 26 Comments

Updated. CIT Bank has a limited-time Platinum Savings APY Boost Promotion, offering a boosted interest rate of 4.35% APY for 6 months on their Platinum Saving account that is 0.60% APY above the standard APY (currently 3.75% APY) for balances of … [Read the rest]

Bank of America New Consumer Checking Bonus: Up to $500 (Direct Deposit)

Posted on November 2, 2026 // 2 Comments

Bank of America has a up to $500 checking account promotion depending on the total direct deposit within the first 90 days. You must open a new eligible checking account through the offer page by January 31, 2027, then have qualifying direct … [Read the rest]

Savings I Bonds November 2026 Rate: 1.40% Fixed Rate, 5.51% Total Rate for 6 Months

Posted on November 1, 2026 // 1 Comment

November 2026 Update. Savings I Bonds bought from November 1, 2026 to April 30, 2027 will have a fixed rate of 1.40% and an inflation rate of 4.08% (annualized), for a total composite rate of 5.51% for the first 6 months. Folks have noted this is … [Read the rest]

Synchrony Bank Savings Account $100 Bonus via Rakuten

Posted on October 28, 2026 //

Shopping cashback portal Rakuten is offering a new account bonus the Synchrony Bank High Yield Savings Account, which has no minimum balance and currently pays a relatively competitive (but not top) rate of 3.75% APY. The bonus may fluctuate as … [Read the rest]

Sam’s Club Plus now includes Walmart+ Membership Bundled

Posted on October 22, 2026 //

The higher "Plus" tier of Sam's Club membership (regularly $120 a year) now includes Walmart+ membership at no additional cost (regularly $98 a year but often discounted to $50 a year) once you link your two accounts (offical press release). They … [Read the rest]

The Millionaires Are [Still] Small Business Owners Next Door

Posted on October 18, 2026 //

When I was starting out financially, one of the hot books was The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Stanley and Danko, first published in 1996. The millionaires turned out to be small business owners driving Ford … [Read the rest]

Best Interest Rates on Cash: Bank Accounts, Treasury Bills, Money Markets, ETFs – October 2026

Posted on October 12, 2026 //

Rates are rising! 📈 🚀 Here's my monthly survey of the best interest rates on cash as of October 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn … [Read the rest]

SoFi Promos: New $300 Crypto Transfer Bonus, 1% ACAT Transfer Bonus, $425 New Checking Bonus, $300-$1000 Loan Bonuses

Posted on October 5, 2026 //

(Updated: SoFi has a new $300 transfer bonus on the crypto account. Per the terms, you should be able to get the $50 new account bonus and then the $300 deposit bonus. I have updated the other offers as well.) SoFi ("Social Finance") is an … [Read the rest]

Whole Foods App: $10 off $50

Posted on September 30, 2026 //

Whole Foods has a new app where you can now order your groceries directly inside (instead of having to go through the Amazon app, which still works too). To get you to try it, they have a $10 off $50 offer with promo code APP10. Works on both … [Read the rest]

Amway MLM $225M FTC Deceptive Business Practices Settlement Lessons

Posted on September 29, 2026 //

In this current low-regulatory environment, I was surprised to see that the Federal Trade Commission (FTC), the State of Washington, and Amway just announced a $225 million settlement over "Unfair and Deceptive Business Practices". Multilevel … [Read the rest]

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