Free Kindle eBook: From Zero to Millionaire

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 a free Kindle eBook version of a personal finance and investing book that was published just last month: From Zero to Millionaire: A simple, effective and stress-free way to invest in the stock market by Nicolas Bérubé. (That is an Amazon affiliate link, so you’ll have to visit the actual website to see it.)

“Investing is a simple activity, which an entire industry strives to make complicated to justify its existence.” – Nicolas Bérubé.

The book appears to be targeted at the Canadian market primarily, or at least the author is a Canadian journalist. Either way, the underlying message appears solid but I guess it needs a little bit of marketing oomph in the United States. I haven’t finished it, but the blurb looked interesting as it promised some interesting anecdotes at the minimum. Download it now for free, read it later.

He also uses little-known examples, such as the forgotten theft of the Mona Lisa, Isaac Newton’s stock market disaster, and the mistake made by one of the world’s greatest investors, to make learning about investing a compelling journey through history, psychology, and finance.

Finally, using the latest research, he identifies proven and accessible ways to invest, and offers concrete advice on how to get started or take control of your investments today.

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 – November 2023 (Updated)

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 and checked November 2023. 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 so far 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 Southwest 75k, AA 75k, Aeroplan 100k, IHG 140k+credit, Hawaiian 65k
  • Removed Wyndham 75k, JetBlue 75k, AmEx Green 60k+200, Delta 65k, AA Red 70k, Citi Premier 75k

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 Aeroplan Credit Card

  • Up to 100,000 points – 75,000 points after $4,000 on purchases in the first 3 months, plus 25,000 points after $20,000 on purchases in the first 12 months. 100,000 points is worth $1,250 in travel value on ANY airline 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.
  • $100 Global Entry or TSA PreCheck credit.
  • $95 annual fee.
  • Subject to 5/24 rule.

Southwest Rapid Rewards Plus Card

  • 75,000 Rapid Rewards points. Earn 75,000 points after $3,000 in purchases in first 3 months.
  • Southwest still gives everyone two free checked bags.
  • Great timing for Companion Pass. If you can sign up for this one and perhaps also the small business version, and time the points to post in early 2024, you can qualify for a Companion Pass for 2024/2025.
  • $69 annual fee.
  • Subject to 5/24 rule.*

Chase Sapphire Preferred Card

  • 60,000 Ultimate Rewards points (worth $750 towards travel or transferrable to miles/points) after $4,000 in purchases within the first 3 months. See link for details.
  • $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards(R), 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.

The Platinum Card from American Express

  • 80,000 Membership Rewards(R) points after $8,000 in purchases in the first 6 months.
  • $200 Hotel Credits, $240 Streaming Credits, $200 Airline Fee Credits, $200 Uber Cash, $189 CLEAR Credit, $300 Equinox credit, $155 Walmart+ credit and more annually!
  • $100 Global Entry or $85 TSA PreCheck fee credit.
  • Premium airport lounge access through the American Express Global Lounge Collection®.
  • $695 annual fee.

Capital One Venture X Rewards Card

  • 75,000 miles (worth $750 towards travel, 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 $100 credit towards TSA PreCheck or Global Entry application fee.
  • $395 annual fee.

American Express® Gold Card

  • 60,000 Membership Rewards points after $4,000 in purchases in first 6 months. Limited-time offer. See link for details.
  • $120 in Uber Cash annually (good towards Uber Eats or Uber rides in the US).
  • $120 in annual dining credit at Grubhub, Seamless, and more.
  • 4X points at restaurants.
  • 4X points at US supermarkets, on up to $25,000 per year.
  • $250 annual fee.

IHG One Rewards Premier Credit Card

  • 140,000 IHG Rewards club points after $3,000 in purchases within the first 3 months. Plus, earn up to $100 in IHG® statement credits on purchases at IHG® Hotels and Resorts during the first 12 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 is now offering 80,000 IHG bonus points + $50 IHG credit.

British Airways Visa Signature Card

  • 75,000 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 calendar year.
  • $95 annual fee.

Chase United 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 $140 per roundtrip) when you use your Card to purchase your United ticket.
  • Expanded award availability. Having this card makes it easier to find that saver award economy ticket.
  • $0 annual fee for the first year, then $95.
  • Subject to 5/24 rule.

Capital One Venture Rewards Card

  • 75,000 miles (worth $500 towards travel, or transferrable to miles) after $4,000 in purchases within the first 3 months. See link for details.
  • 2% cash back on ALL purchases.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $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.
  • 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases. Eligible for 25%-75% boost with Preferred Rewards status.
  • $100 annual Airline Incidental Statement Credit.
  • Up to $100 credit towards TSA PreCheck or Global Entry application fee.
  • $95 annual fee.

Hawaiian Airlines MasterCard

  • 65,000 Hawaiian miles after any purchase (of any amount) within the first 90 days. Any 6-digit code will work, like “000000”. See link for details.
  • Free first checked bag for primary cardmember.
  • One-time 50% off companion discount for roundtrip coach travel between Hawaii and The Mainland on Hawaiian Airlines.
  • $99 annual fee.

Alaska Airlines Visa Card (Bank of America)

  • 60,000 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 $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 $60 roundtrip per person).
  • $95 annual fee.

Citi 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 restaurants, supermarkets, gas stations, air travel and hotels.
  • Must not have gotten bonus from or closed a Citi Rewards+, ThankYou Preferred, Premier, or Prestige card in the past 24 months.
  • $95 annual fee.

U.S. Bank Altitude Connect Visa Signature Card

  • 50,000 bonus points (worth $500 in statement credits) after $2,000 in purchases within 120 days. See link for details.
  • 4X points on travel and gas stations, 2X points on dining and grocery stores.
  • Up to $100 statement credit for Global Entry or TSA PreCheck.
  • $30 annual streaming bonus.
  • $0 annual fee the first year, $95/year thereafter.

Barclays AAdvantage Aviator Red Mastercard

  • Up to 75,000 American Airlines miles. 60,000 miles after any purchase and paying the annual fee in full, both within the first 90 days. Add an authorized user, make a purchase on the authorized user card within the first 90 days and earn an additional 15,000 miles. See link for details.
  • First checked bag free on domestic AA flights ($60 value per roundtrip, per person).
  • $99 annual fee.

JetBlue Plus Card

  • 50,000 bonus TrueBlue points – 50,000 bonus 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.

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.

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.


Upgrade Premier Savings: Up to $200 Deposit Bonus + 5.07% APY

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.

Upgrade is offering a up to $200 deposit bonus via referral link when you open their standalone Premier Savings account and make a deposit of at least $15,000 in the first 30 days and leave it there for at least an additional 60 days. No credit check either time. FDIC insurance through Cross River Bank.

Note: This is a separate bonus from the ongoing $150 Upgrade Rewards Checking bonus, which had a direct deposit requirement. You could also add on a “Performance Savings” account onto a Rewards Checking account, while this offer is for a different “Premier Savings” account.

Per the fine print, you should be able to get this bonus as long as this is your first “Premier Savings” account. It doesn’t matter if you already got the Rewards Checking bonus (as I did). You just need to make sure you use a referral link with the promotion attached.

If you have never had a Premier Savings account through Upgrade (a “New Customer”), you can receive a Welcome Bonus (defined below) if you (1) use an Existing Customer’s unique referral link to open a new Premier Savings account, subject to account approval, by the Offer Period, (2) make a deposit within 30 days of opening the new account, and (3) after the initial 30-day period, maintain at all times during an additional 60 days the minimum account balance presented to you (a “Qualified Registration”).

The account opening process for my first Upgrade account was very quick and easy, literally under 5 minutes. I did not have to upload any extra documentation and I did not experience any hard credit checks. The account was open and ready the day after application. If you are an existing customer (as I was this time), it was even faster. All my details were pre-filled and so it just took a few clicks.

All of my previously-linked external bank account details were also available to make a transfer. Upgrade uses Finicity (owned by Mastercard) for linking external bank accounts.

Here are the highlights of the Premier Savings account:

  • 5.07% APY as of 11/9/23 with $1,000 minimum balance required to earn interest.
  • No direct deposit requirement (unlike the Performance Savings).
  • No monthly fees.

Effective APY. If you deposit towards the end of the 30-day funding period, your technical minimal holding period is 60 days.

For the $15,000 and $30,000 deposit tiers, if you meet that deposit value exactly, this works out to an additional 2.00% annualized yield. If you assume the current 5.07% APY, that adds up to a total effective interest of roughly 7.07% APY annualized for 2 months.

For the $50,000 deposit tier, if you meet that deposit value exactly, this works out to an additional 2.40% annualized yield. If you assume the current 5.07% APY, that adds up to a total effective interest of roughly 7.47% APY annualized for 2 months. You can also take your time and view it as 6.67% APY over 3 months.

A straightforward deposit promotion with a smooth application and short hold period that doesn’t incur a hard credit check. Also stacks with another separate checking account promotion. This is my Upgrade Premier Savings $200 referral link. Thanks if you use it.

Another drop in my 2023 IRA challenge bucket.

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.


BMO Alto Online Certificates of Deposit: 5-year CD at 5.25% APY

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.

BMO Alto is the online-only division of BMO Bank N.A. (member FDIC). You can only access BMO Alto products through its unique website, not any existing BMO login. As of 11/8/23, they are offering very competitive rates for CDs (certificates of deposit) which would be very suitable for a ladder:

  • 5-year at 5.25% APY
  • 4-year at 5.20% APY
  • 3-year at 5.10% APY
  • 2-year at 5.00% APY
  • 1-year at 5.65% APY
  • 6-month at 5.50% APY
  • Liquid savings at 5.10% APY (variable).

Additional details:

  • No minimum to open.
  • No monthly maintenance fees.
  • Online statements only.
  • Unfortunately, they do not offer IRA CDs at this time.
  • If your savings account has a zero balance for 90 consecutive days it will be automatically closed. You must also fund your CD within 10 calendar days or it will be automatically closed.

Early withdrawals. The early withdrawal penalty (EWP) for CD maturities of 1 year or more is 180 days of interest. For CD maturities of 11 months or less, the EWP is 90 days of interest. Note that they reserve the right to prohibit early withdrawals entirely:

We reserve the right to permit withdrawals of principal only upon maturity. If we permit you to make an early withdrawal of principal before maturity, you will pay an early withdrawal penalty. The penalty is calculated using the interest rate applicable to the CD at the time of early withdrawal. If the amount of the penalty exceeds the amount of your accrued and unpaid interest, then a reduction of principal would be required in order to pay the penalty.

I maintain a 5-year ladder of CD and/or Treasury bonds with a rung that matures each year, so I don’t really worry about early withdrawals for liquidity, only as an option in case rates go much higher quickly.

You may be able to get similar or better tax-equivalent yields if you are subject to state/local income taxes with US Treasury bonds (4.51% at 5-year on 11/8/23), but if you don’t have such taxes, these BMO Alto rates are some of the best available. These BMO Alto rates are also higher than the best brokered CDs available at the moment.

If interest rates change between your CD opening date and the funding date, you will receive the higher APY. No minimum balance and $0 minimum opening deposit required. You have 10 days from account opening to fund your CD. Early withdrawal penalties may apply. Funds may not be withdrawn for 15 days after initial funding.

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.


CIBC Bank Agility Online Savings $250/$500 Deposit Bonus (New & Existing)

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.

CIBC Bank USA has brought back a $250/$500 deposit bonus for customers that are adding new money to their Agility online savings account (you can be a new or existing customer). The bonus is on top of the interest rate, currently a competitive 5.01% APY (as of 11/7/23). $1,000 minimum to open. No monthly maintenance fees. CIBC stands for the Canadian Imperial Bank of Commerce. Hat tip to DepositAccounts.

I think it’s best to simply quote their terms and conditions first:

In order to qualify for an account bonus, you must increase the current balance in your CIBC Bank USA (“CIBC”) Agility Savings account by depositing funds of $25,000 or more of New Money (defined below) from an external bank between 12:00 a.m. ET on November 1, 2023 and 11:59 p.m. ET on December 19, 2023 (the “Funding Period”). The New Money must remain in your account until 11:59 p.m. on March 18, 2024. This offer applies to both new and existing accounts. If you are funding by ACH transfer, keep in mind timeframes for applicable verification and for transfer origination which may take 1-3 business days before the funds are credited to your Agility Savings account. The funds must be credited during the Funding Period.

You must also enroll into online statements:

If you are not already enrolled in e-statements, you must enroll in Online Banking and change the Statements Delivery Method to “Online” during the Funding Period. You must continue online statement delivery through March 18, 2024.

The bonus amount is $250 for $25,000+ and $500 for $50,000+ in new money as follows:

The amount of your bonus will be determined as follows:

– $250 bonus – The New Money you deposited from an external bank during the Funding Period was between $25,000 and $49,999.99 (“Tier 1”), and you maintained at least $25,000 in New Money until 11:59 p.m. ET on March 18, 2024.
– $500 bonus – The New Money you deposited from an external bank during the Funding Period was $50,000 or more (“Tier 2”), and you maintained at least$50,000 in New Money deposited in the account until 11:59 p.m. ET on March 18, 2024.

Additional details:

If you fulfill the offer requirements outlined above, CIBC Bank USA will deposit the bonus into your CIBC Agility Savings account no later than May 17, 2024. In order to receive the bonus your account must be open and not overdrawn at the time of the bonus payout. Only one bonus allowed per primary account owner Tax ID.

New deposit bonus example. Here’s how it might work for a new customer:

  • Open a new CIBC Agility Savings Account AND also make your $25,000 or $50,000 deposit of new money (from outside CIBC) arrives safely before December 19, 2023.
  • Remember to sign up for online eStatements as soon as you open your account.
  • Earn $250 when you deposit at least $25,000 and keep the money in your account at least past March 18, 2024. (Roughly 3 months or 90 days minimum, probably a little more to be safe.)
  • Earn $500 when you deposit at least $50,000 and keep the money in your account at least past March 18, 2024. (Roughly 3 months or 90 days minimum, probably a little more to be safe.)
  • You may withdraw after 3/19 (although 5% APY isn’t awful), but keep the account open with a few dollars and with online statements active. You should receive the bonus payment no later than May 17, 2024 (another 2 months).

Effective APY. If you meet the tier values exactly, this works out to a 1% bonus on $25,000/$50,000 over a minimum 90 day hold time. This works out to 4% annualized, plus the 5.01% APY interest (variable), for a total effective interest of roughly 9% APY annualized for 3 months. This is a little optimistic as you will probably add a few days of holding time on either end. If you simply held it there for 4 months, that would still be an effective 8% APY for 4 months.

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 360 Savings Deposit Promo ($300 to $1,500 Bonus)

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.

Capital One has brought back a deposit promotion worth up to $1,500 for new 360 Performance Savings accountholders. It’s a good bonus, but only for “new” customers and those that are willing to keep an eye on things. Here’s their definition of “new”:

If you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after January 1, 2021, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus.

Note: Some readers have reported in the past that they were not able to apply the promo code even as valid new customers, and Capital One responded that this was a targeted promotion even though there is no such language on the offer page nor in the terms and conditions. After applying, I would contact them and make sure that the promo code “FALL23” was accepted before making a large deposit for this promo.

Alright, onto the details:

  • Open a new 360 Performance Savings account with promo code FALL23 by 12/6/2023.
  • Deposit $20,000+ of external funds during the 15-day Initial Funding Period after opening your account.
  • Hold the deposit(s) in your account for an additional 90 days after the 15-day Initial Funding Period ends.
  • $20,000+ deposited = $300 bonus.
  • $50,000+ deposited = $750 bonus.
  • $100,000+ deposited = $1,500 bonus.
  • See the bonus in your new account within 60 days after holding.
  • You’ll also earn their normal interest rate (currently 4.30% APY as of 11/5/23). No monthly fees or minimum balance requirements.

Note that the 90-day “maintain balance” period is after and in addition to the end of the 15-day “initial funding period”. So if you are counting from the opening day, that is a total of 105 days after opening. This is important as other readers have gotten denied for the bonus when withdrawing after 91-100 days. You may wish to chat with Capital One to confirm the exact date.

As long as you hit the tiers exactly, you are getting 1.5% of your deposit with technically a minimum holding period of 90 days, but you’ll probably want to send it in a little early and take it out a little late to be safely within the deadlines. Let’s call it 120 days for a conservative round number. This works out to the equivalent of (a little more than) a 4.5% annualized yield. If you assume the current 4.30% APY holds, that would be an estimated 4.5% + 4.3% = 8.8% annualized yield for those 120 days.

A 4-month CD at nearly 9% APY is not bad if you have a lot of money and a short-term horizon for it. Again, this one is only for new customers or those that have closed their previous CapOne360 savings-type accounts by January 1, 2021.

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.


Marriott Bonvoy Business® American Express® Card Review: 3 Free Night Awards Offer (Worth Up To 150K Total Marriott Bonvoy Points)

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.

The Marriott Bonvoy Business® American Express® Card is the re-branded business credit card of the Marriott Bonvoy program. This card offers unique perks for Marriott customers, along with a generous new customer incentive (especially during a limited-time offer). Here are the highlights:

  • Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
  • 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy(R) program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2X points on all other eligible purchases
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy(R) points) at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business(R) American Express(R) Card.
  • Each calendar year you can receive credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
  • Annual fee is $125. (See Rates and Fees)
  • Terms Apply.

Keep in mind the following terms and conditions:

Welcome offer not available to applicants who (i) have or have had the Marriott Bonvoy™ Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business™ Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Boundless™ Credit Card from Chase, the Marriott Rewards® Premier Plus Credit Card from Chase, the Marriott Bonvoy Bold™ Credit Card from Chase, the Marriott Bonvoy™ Premier Plus Credit Card from Chase or the Marriott Rewards® Premier Credit Card from Chase.

This is more specific than before, note the different 30-day, 90-day, and 24-month waiting periods that may now include consumer cards. American Express usually gives you a pop-up warning during the application process if you are ineligible based on their records. This is why you should be looking to get the best possible bonus (like a limited-time offer) when you do apply.

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

NEW: Certificates can be combined with up to 15,000 points for nicer hotels. Marriott now allows you to supplement your free night certificates with up to 15,000 points of your own. In other words, if your certificate is worth 35,000 points, the maximum hotel value you can redeem for is 50,000 points after adding 15,000 points of your own. if your certificate is worth 50,000 points, the maximum hotel value you can redeem for is 65,000 points after adding 15,000 points of your own.

You can use the Marriott free night search tool to price out some sample hotels for yourself. Also, here are details on the Free Night Award Top Off option.

What is a reasonable estimate for the value of a Marriott Bonvoy point? Based on multiple real-world searches of redeemable properties, I choose to use a conservative estimate of 0.70 cents per Bonvoy point. That means 50,000 Bonvoy points = estimated $350 redeemable value, and 100,000 Bonvoy points = estimated $700 redeemable hotel night value. However, I almost always get closer to 1 cent per point value when I actually choose to redeem. Remember to compare the full price of the hotel price with all taxes, as that is what you would have to pay instead of just points.

50k Free Night Award (Welcome Offer). Based on a few quick searches (log in and try to book with points), the following premium hotels can potentially be booked for 65,000 points or less.

  • The Westin Hapuna Beach Resort, Big Island, Hawaii
  • The Royal Hawaiian in Waikiki, Oahu, Hawaii
  • The Ritz-Carlton, Bali
  • Le Meridien Maldives Resort & Spa
  • JW Marriott Venice Resort & Spa

35k Free Night Award (Anniversary). At your card anniversary, you will receive a Free Night Award that is good for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. This excludes the very top properties, but for regular travelers it will be very easy to get your $95 or even $125 value. Many W Hotels, Westin, and even some Ritz-Carltons worldwide are included. Here are some sample hotels that may qualify under the 35,000 point limit (* Marriott no longer publishes a fixed point award chart):

  • Sheraton Kona Resort (Big Island, Hawaii)
  • Courtyard Waikiki Beach (Honolulu, Oahu)
  • Sheraton Kauai Resort (Kauai, Hawaii)
  • W Atlanta
  • New York Marriott at the Brooklyn Bridge
  • Chicago Marriott Downtown Magnificent Mile
  • W Chicago
  • The Ritz-Carlton, Beijing, China
  • The S. Regis Bangkok, Thailand

Bottom line. The Marriott Bonvoy Business® American Express® Card is the co-branded business card between Marriott hotels and American Express. You also get a Free Night Award at card anniversary, which can be worth much more than the annual fee.

Also see: Top 10 Best Small Business Card Bonus Offers.

(See Rates and Fees)

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.


Target RedCard 5% Off Purchases, $50 Off For New Applicants (New Reloadable Version)

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: New $50 limited-time offers for new RedCards, including new Reloadable version with no credit check. Offer expires 12/9/23.)

The Target RedCard offers 5% off all Target purchases both online and in-store (Target gift cards excluded, in-store Starbucks included) and free 2-day shipping on qualifying items at Target.com. You also get an additional 30 days for returns and exchanges. No annual fee.

There are now three versions of RedCard: Credit, Debit, and Reloadable. Debit and Reloadable have no credit check and I never carry a balance, so the credit card doesn’t interest me at all. There is a new limited offer for each that includes $50 savings on a $50+ Target purchase. The Debit and Reloadable version do not perform a hard credit check on the three major credit bureaus. There are a bunch of restrictions on big brands (see below), but I can easily spend $50 on food and other household goods. I plan on going for the new Reloadable version this time around.

Full fine print copied below. Usually I just make my pick-up order at Target and make sure the coupon works in the app before checking out. The Reloadable $50 bonus is much less finicky.

Save $50 on a future qualifying purchase over $50 when approved for credit or debit RedCard

RedCard Debit or Credit: Get a coupon for $50 off of one future qualifying purchase over $50 when you are approved for a debit or credit RedCard in-store or at Target.com between 10/29/23-12/9/23. The coupon will be mailed to the approved cardholders with their RedCard and will be valid through 1/8/24. Must upload coupon to Target App and be fully enrolled in Target Circle™ to redeem coupon. Excludes items sold by Target Plus™ Partners, alcohol, Apple products, Barbie camper and houses, Beats, Black History Month, Bose, Bratz Collector and Designer Dolls, Bullseye’s Playground, Cards Against Humanity, Casper, clinic & pharmacy, Cricut, dairy milk, Disney Princess Castle, Dockers, Do-a-Dot, Doona, DSLR cameras & lenses, Dynamic Coins, Dyson, Elf on the Shelf, Fisher Price Laugh n Learn, Fitbit, Funko Standard Pop, gift cards, GilletteLabs Heated Razor Starter Kit by Gillette – 3ct, Google, Hair Appliances, HALO Baby, Hasbro Games (Classic Monopoly, Connect Four, Jenga, Sorry, Trouble), Healthy Roots Dolls, HP Inc., ICU reading glasses, Infant Optics, JBL, Latino Heritage Month, LEGO, Levi’s Red Label, LG OLED and QNED TVs, Lights From Anywhere (Junior), limited-time designer partnerships, Lovevery, Marvin’s Magic Drawing Board and Pens, Mega Bloks, Meta Oculus and Portal, mobile contracts, Motrin baby, Nintendo hardware and Switch games, Polder, Philips Avent, Plan B, power shave, power dental, prepaid cards, Play-Doh Ice Cream Truck Playset, PlayStation – consoles, virtual reality and accessories, Pride, Revival, Samsung TVs, Shipt Membership, simplehuman, Sonos, Sony Electronics, Take Action, Target Optical, Tempur-Sealy, Trading Cards, Tylenol (and baby) pain relief, Ulta Beauty at Target Brands, Umbrellas, Unlocked phones, Vera Bradley handbags, Weber, What Do You Meme?, WonderFold.

Get a $50 credit when you open a RedCard Reloadable Account & spend $50 at Target.

RedCard Reloadable Account: Get a $50 credit when you open a RedCard Reloadable Account and spend $50 at Target. To receive a $50 statement credit for the RedCard Reloadable Account, you must successfully register online at redcardreloadable.com for a new account between 10/29/23-12/9/23, then activate the permanent card once received in the mail and spend $50 (net of reversals/returns) at Target (“$50 transaction”) within 45 days of registration. The statement credit will be posted to the account within 30 days of the $50 transaction. The $50 transaction must occur in one transaction at a Target location or at Target.co; if you get cash back at the register during the purchase, the transaction will not qualify for this promotion. Limit one (1) $50 credit per customer. Offer is subject to change or cancellation at any time.

We’ve become regular users of the Target app and their Drive-Up option. No markups, well-organized, dedicated parking area, and minimal waiting. The online stock available is mostly accurate, better than Walmart in our experience which has more frequent, often-imperfect substitutions. If only Costco had a similar service! (Sam’s Club does have a pickup option.)

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.


Robinhood ACAT Bonus: 1% of Assets Transferred w/ No Cap, Two Year Minimum Hold

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.

Robinhood is looking to gather some assets, rolling out a new ACAT Transfer bonus of a flat 1% of the transferred amount with no cap. That means a transfer of $10,000 in asset value from an external brokerage account will earn a $100 bonus, a $100,000 transfer will earn a $1,000 bonus, and a $1,000,000 transfer will earn a $10,000 bonus. The bonus should arrive about 2 weeks after the completed transfer, but note that you must keep the assets there for 2 years otherwise they will claw it back. Here is the full fine print.

The bonus applies to eligible assets transferred from an external brokerage account into your Robinhood non-retirement brokerage account within the offer period, from October 23, 2023 to December 8, 2023. To keep the bonus, you must keep the money you transfer into Robinhood in your Robinhood individual brokerage account for at least 2 years.

As with all similar ACAT transfer offers, you can transfer over your existing stock holdings and the cost basis should also transfer over with no tax consequences. You don’t have to move cash. You just keep your same old shares of Apple or Coca-Cola or S&P 500 index ETFs or whatever at a different broker. If you already wanted to hold cash, you could also own things like Treasury bill ETFs or ultra-short term bond ETFs and earn interest on top of the bonus, but in that case this bonus isn’t that great because you’re only getting 1% spread over two years.

I’m not a fan of Robinhood’s barebones customer service, and two years is a long time, but 1% might be worth considering for transferring some buy-and-hold index funds if you have a large-enough portfolio to offset potential transfer-out fees later. Here’s the process that I would take at Fidelity (which has good customer service):

  1. Open a new, separate brokerage account at Fidelity. It will show up with a zero balance.
  2. Call Fidelity and transfer a little over $100,000 (or whatever number works for you) worth of an index ETF that you already intend to own and hold for 2 years (i.e. VTI) into that new brokerage account. You can designate exactly what you want transferred over. Keep track of the tax basis, just in case.
  3. Perform a full ACAT transfer of that new, separate brokerage account over to Robinhood. Fidelity does not charge an outgoing ACAT transfer fee. An ACAT transfer can take a week or so to complete, so you won’t be able to make any sell transactions during that time. Verify that the tax basis transfers over eventually (can take a while sometimes).
  4. Collect the bonus, and then transfer out again after two years – if you wish. (Robinhood’s job is to convince you to stay after these two years.) Note that Robinhood charges a $100 ACAT transfer out fee. You’ll have to either wait for another transfer promotion that reimburses that fee, or consider it a cost of the bonus.

During a conversation with a Fidelity rep about a transfer last year, I heard a memorable quote: “No, we won’t charge you a fee when you transfer out, and we won’t charge you a fee when you come back.” In other words, they are confident enough that they know you might leave for whatever reason, but many will eventually come back.

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: Earn Rewards For Paying Rent w/ Any Landlord (November 1st Promo, Emirates Transfer Bonus)

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.

November 1st Bilt Rent Day reminder. The Bilt Mastercard offers rewards for all renters, plus they roll out special promos on the first of every month (“Rent Day”). On November 1st (12am ET to 11:59pm PT), earn a 75% to 150% bonus on transfers from Bilt Rewards to Emirates Skywards Miles. Do your research now to see if it’s worth it to transfer on the 1st. Details:

1. You must be enrolled in Emirates Skywards to transfer your rewards points to Skywards Miles, which can then be used on Emirates flights.
2. Link your existing Emirates Skywards account or enroll at https://www.emirates.com/us/english/skywards/registration/.
3. Rewards points can be converted in increments of 1,000. Blue members must transfer a minimum of 2,000.
4. You will get a transfer bonus set based upon your Bilt® Membership Status as of the time you elect to transfer your rewards points on November 1, 2023, as follows:
– Bilt® Platinum members: 150% bonus
– Bilt® Gold members: 125% bonus
– Bilt® Silver members: 100% bonus
– Bilt® Blue members: 75% bonus

Bilt members can again book complimentary bike sessions on the 1st of each month at SoulCycle studios across the country. 10 bikes available per class on a first come, first served basis. One rider will get their rent paid (up to $2,500).

There is also the new game show (one question only, prize is an entry to enter drawing to win free rent) on top of the usual PointsQuest trivia (I always try to grab these 250 points on the 1st of each month).

Plus the usual Double Points on Rent Day:

Just joined recently? Don’t miss 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. In addition, the credit card 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 50,000 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 $50,000 per year ($4,166 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. For example on 12/1/2022, you can transfer 1 Bilt point into 2 IHG points (1:2 instead of 1:1).

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.

  • American Airlines AAdvantage
  • 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
  • World of Hyatt
  • IHG One

Hyatt hotel points, American, 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. You don’t actually pay with the credit card, nor do you or your landlord have to pay any credit card transaction fees.

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 American/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.

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.


Pet Deals: Amazon $30 off $100, Chewy Free $30 Gift Card w/ $100 Purchase

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.

Chewy and Amazon are offering some decent discounts on pet products:

Fine print on Amazon offer:

Offer only applies to products sold by Amazon.com or Amazon Digital Services LLC (look for “sold by Amazon.com” or “sold by Amazon Digital Services LLC” on the product detail page). Products sold by third-party sellers or other Amazon entities will not qualify for this offer, even if “fulfilled by Amazon.com” or “Prime Eligible”.Offer does not apply to digital content.Offer good while supplies last.Shipping charges and taxes may apply to the full value of discounted and free promotional items.Items must be purchased in a single order and shipped at the same speed to a single address.Amazon reserves the right to modify or cancel the offer at any time.Offer is non-transferable and may not be resold.Offer discount will be allocated proportionally among all promotional items in your order.If any of the products or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies.If you violate any of these terms, the offer will be invalid.Unless an Amazon Gift Card is the stated benefit of the promotion, promotional codes (including those placed directly in accounts) may not be redeemed for Amazon Gift Cards.This promotion is limited to once per customer.

Fine print on Chewy offer:

For every $100 purchase with promo code JOY2PETS, you’ll receive a $30 e-gift card. Limit 1 use per order, limit 3 orders per customer. Free eGift Card added at Checkout with qualifying purchase and automatically added to your Chewy account after your order ships. Customer must be logged into account to view all applicable promotions. Must add $100.00 worth of eligible items and enter code JOY2PETS at checkout to receive $30 eGift card. Excludes prescription items and select brands including but not limited to Adaptil, Advantage Multi, Angels’ Eyes, Apoquel, Alpo, Canidae, Castor & Pollux, Diamond, Eagle Pack, Friskies, Hartz, Holistic Select, Iris, Kit & Kaboodle, Merrick, Natural Balance, Moist & Meaty, Purina Bella, Sojos, Taste of the Wild, Tidy Max, Whiskas, Whole Earth Farm’s, Zukes, and other select items.? Subject to Chewy Gift Card Terms and Conditions found here: https://chewy.com/app/content/gift-cards-terms. Gift Cards cannot be returned, refunded, or redeemed for cash except as required by law. Valid through 11/06/23 6:30 AM EST, while supplies last, subject to Terms?.

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.


Domain Money: 6% APY Savings Account (No Longer Available On Free Tier)

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: As of 10/27/23, the 6% APY savings account is no longer showing as available on the free tier. You must be on the $79/month tier to get it now. I wonder if they will grandfather the existing users, otherwise that is a bad look for a supposedly reliable firm that you are trusting with financial advice… Definitely will avoid now.

Original post:

Let’s welcome Domain Money to the “small fintech with big ambitions” club. Their primary goal is to provide a suite of financial services including unlimited advice from CFPs (Certified Financial Planners) and income tax preparation, all for a flat $79 a month. However, some of their perks including model portfolios and a 6% APY savings account are available at no monthly fee as a sort of teaser:

6% APY is a nice number, and this is the first savings account I’ve seen reach it (other than some rewards checking accounts that require a bunch of debit card transactions, hat tip to Doctor of Credit), but it comes with some concerns. They are a relatively new startup that recently pivoted from crypto and stock trading. The terms stipulate that you can only initiate fund transfers from within the app, and it must be to/from a linked bank account that they approve. Cash and check deposits are not allowed. (They do not provide a routing number or account number.) It’s a savings account, so the interest rate can change at any time. 6% APY is high enough over the current funds rate that it essentially a “bonus” in that they are losing money, so taken altogether it is a big question as to how long the rate will last. Cash deposits are held with Georgia Banking Company, Member FDIC.

On the positive side, I did notice that the founder was previously Head of Product at Marcus by Goldman Sachs, and I liked the user interface over at Marcus. They must also have some good relationships with folks within the Apple App Store, as they have earned “App of the Day”, “Best Apps for Investing”, and “Essential Finance Apps” honors despite a very short track record.

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.