Credit

The Offer

Direct link to offer

• ShopRite is offering $10 off your next shop when you spend $50 or more on the following gift cards:
  • Domino’s
  • Panera
  • Roblox
  • Starbucks
  • Uber
  • Ulta

The Fine Print

• Excludes ShopRite gift cards.
• Must be one transaction.
• Limit one per customer.
• Valid on purchases 12/5 – 12/11
• $10 off good from 12/12 – 12/18

Our Verdict

Use a card that earns at a high rate on grocery store purchases.

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Offer at a glance

• Maximum bonus amount: $100
• Availability: IA & IL
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Unknown
• ChexSystems: Unknown
• Credit card funding: Up to $2,000
• Monthly fees: None
• Early account termination fee:
• Household limit: One
• Expiration date: None listed

The Offer

Direct link to offer

• American Bank & Trust is offering a $100 checking bonus when you complete the following requirements:
  • Make one deposit within 30 days
  • Make 5 debit card purchases within 30 days
  • Maintain a balance of $0.01+ for 30 days

The Fine Print

• The $100 bonus is available to only new customers and limited to one per household.
• Account Fees: You will be charged $2.00 for each non-American Bank ATM withdrawal in excess of 6 per month.
• A monthly fee of $5.00 will be charged for customers under 55 years of age and over 25 years of age if electing to receive paper statements.
• You will receive $100 as a bonus after 1 deposit and 5 debits are made within the first 30 days.
• To obtain the bonus, you must maintain $0.01 for 30 days.
• $100 Bonus will appear as an account credit on the first business day after 30 days and all qualifications are satisfactorily met.
• Fees may reduce the earnings on the account.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has a $5 monthly fee, this is waived with paperless statements

Early Account Termination Fee

I wasn’t able to find a fee schedule so unsure if there is any early account termination fee.

Our Verdict

Seems like a great bonus, especially if you can take advantage of the credit card funding and it’s a soft pull.

Hat tip to JesC

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times

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The Offer

Direct link to offer

• Citi Offers is offering $75 back when you spend $35 or more with AT&T Fiber

 

The Fine Print

• Valid until December 31, 2021

Our Verdict

We’ve seen similar deals from Chase & American Express before as well.

Hat tip to Peter

 

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The Offer

Direct link to offer

• Lowe’s is offering a $10 or $15 giftcard when you purchase a $75 Giving Good card

Our Verdict

Lowe’s is currently offering a $15 giftcard when you purchase a $200 Visa gift card, so some people might want to do this at the same time.

Hat tip to GC Galore

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Update 12/3/21: New link. Hat tip to MtM

Update 10/23/21: New link. Hat tip to MtM

Update 10/3/21: New link to try. Hat tip to krokodil83

Update 9/15/21: More people targeted. Hat tip to YouFoundSugarMan

Update 8/26/21: More people targeted.

Update 7/2/21: More people targeted.

Update 4/29/21: More targeted.

Update 4/24/21: More people targeted.

Update 4/12/21: More people targeted for the 20,000 offer.

Update 3/25/21: 20k offer showing for more people under the statements & activity screen, can also try this link. Hat tip to reddit user BUT_WHY_MALE_M0DELS

Update 3/2/21: Some people are now seeing a 20,000 point offer when logged in.

Update 2/16/21: Another round has gone out at this link. Hat tip to abmo224

Update 9/10/20: Another round has gone out. Surprised to see this after American Express started auto enrolling cardholders. Hat tip to
Adam K.

Update 6/9/20: Another targeted link now available. Hat tip to TwelveBall

Update 5/19/20: Another link now available. Hat tip to DDG

Update 2/18/2020: Another link now available. Hat tip to corxion

Update 2/11/2020: Another link now available. Hat tip to trumanthepug

Update 1/15/2020: Another link now available. Hat tip to OMGitzSARS

Update 1/3/2020: Another link now available. Hat tip to coljung

Update 11/15/19: Another link now available. hat tip to MtM

Update 10/15/19: Another link available here. Hat tip to reader kcihtred2

Update 9/20/19: Another link available here. Hat tip to reader qmc

Update 9/17/19: Another link available here. Hat tip to JonLuca

Update 8/27/19: Another link available here. Hat tip to jasonalanmorgan

Update 8/13/19: Another link available here. Hat tip positivecontrol

Update 8/2/19: Another link available here. Hat tip to mc1nc4

Update 7/31/19: Another link available here. Hat tip to garettg

Update 7/2/19: Another link available here. Hat tip to Andrew D

Update 6/24/19: Another link available here. Hat tip to Andrew D

Update 6/21/19: Another link available here. Hat tip to BUT_WHY_MALE_M0DELS 

Update 6/2/19: Another link here. Hat tip to ClosertothesunNA.

Update 5/27/19: Another link here. Hat tip to CericRushmore

Update 5/21/19: More people targeted, new link here. Hat tip to reader ping

Update 5/9/19: More people targeted, new link here. Hat tip to lobonomnom

Update 5/3/19: More targeted, new link here. Hat tip to alexischase

Update 4/23/19: More people targeted, doesn’t seem to be a link to try this time unfortunately.

Update 4/10/19: Another day, another link to try. Hat tip to garettg

Update 4/4/19: Try this link. Hat tip to Aloha808

Update 3/12/19: Try this link. Hat tip to syr_eng

Update 3/7/19: New round has gone out.

Update 2/19/19: Here’s a new link (login required) which is working for a lot of people. You can also try calling 1-866-281-4438 and mentioning Offer Code: GCOR:0004. Hat tip to Uscreditcardguide.

Update 2/16/19: Another round, this time the link to try is: global.americanexpress.com/lending/extended-payment-options/offer?identifier=MHR. Hat tip to krex42

Update 1/24/19: Another round of offers has gone out.

Update 12/20/18: Another round of offers has gone out, check your e-mails to see if you are targeted.

Update 12/5/18: Another new link. This time courtesy of veeRob.

Update 11/27/18: Looks like another round went out. This time the link is: https://americanexpress.com/ExPOenroll68. Hat tip to zackiv31

Update 11/21/18: MtM is reporting another round of targeted people. I don’t see any new links, but if anybody finds one please share it in the comments.

Update 11/07/2018: Another round of people targeted. New links to try:

• One

Update 10/27/18: Three new links available to try:

• One
• Two
• Three

Hat tip to The_Fartful_Codger

Snail mailers have also been sent out, so keep an eye out for those as well. Hat tip to nickohrn

The Offer

Links seem to be unique this time, check your regular mail & e-mail to see if you’ve been targeted (share any subject lines of e-mails in the comments below). One subjectline is ‘

• American Express are currently offering selected charge cardholders 10,000 points when they enroll Extended Payment Option

The Fine Print

• Email subject line is ‘You Qualify for a Flexible Payment Option’. People also being targeted via snail mail.
• Another: Congratulations, <name>! You’ve Been Selected to Enroll in a Flexible Payment Option

Our Verdict

Fingers crossed we get a generic link to see if you are targeted or not. This is a fairly common offer, it’s not worth enrolling without this 10,000 bonus (sometimes they offer an interest free period but I’d wait for this offer). You should (hopefully) be paying off your credit card balance in full every month anyway.   If you have any questions about Pay Over Time (e.g hard/soft pull) I’d recommend reading through our F.A.Q on the topic found here. You don’t actually need to use the pay over time feature to get the 10,000 bonus points, you must simply enroll in it. The short of it is that it’s definitely worth doing if you’re targeted, just don’t actually use the feature and pay all of your credit card bills in full and on time.

Thanks to reader @MrBillington for providing the picture

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Update 12/3/21: Deal is back with promo code 10PICKUPCODE.

The Offer

Direct Link to offer (affiliate link)

• Amazon: Save $10 when you choose an Amazon pickup location at checkout. Use promo code 10PICKUPCODE at checkout.

Just change the delivery from home delivery to an Amazon Hub delivery (e.g. a locker, 7-Eleven, etc.) and then enter the promo code at checkout to see if you are eligible. Might be only working for those who never used Hub pickup before.

The Fine Print

• Offer only applies to products sold by Amazon.com or Amazon.com Services LLC (look for “sold by Amazon.com” or “sold by Amazon.com 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.
• Offer limited to one per customer and account.
• Offer may not be combined with other offers.
• Taxes, shipping and handling, and gift wrap charges do not apply when determining minimum purchase amount.
• The maximum benefit you may receive from this offer is $10.
• Offer only valid for invited Amazon customers who have received this offer directly from Amazon through email or online display advertisements.
• To redeem the Promotional Code, enter “10TRYPICKUP” in the “Your gift certificates and coupons” section of the checkout page when purchasing your Qualifying Items before 11:59pm on 31 December 2021.
• Promotional code expires at 11:59 p.m. (PT) [12, 31, 2021].
• Promotional code only applies to items shipped for the first time to an Amazon Hub (Locker, Counter, Locker+ or Apartment Locker).
• This Offer is open to the first 20,000 Eligible Customers that satisfy these terms and conditions.
• 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.

Our Verdict

Seems to be working on one of my accounts, not the other. Could be an easy-ish way of saving a few dollars if the promo code works for you.

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The Offer

Direct link to offer

• Costco is selling 5 $100 DoorDash giftcards for $399.95

Our Verdict

This works out to be a 20% discount, much better than we’ve seen in the past but obviously not many people need $500 in DoorDash giftcards. Keep in mind you can use gift cards and DoorDash promo codes in the same order.

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The Offer

Direct link to offer

• Mesh Payments is offering a $500 bonus when you spend $400+ with Mesh card

Our Verdict

Mesh Payments looks to be a complete payments solution, rather than just a dedicated business credit card. You need to request a demo to be eligible, so I assume they will do some business vetting as well. Doesn’t look to be any fees for using Mesh that I could find. Mesh has raised $13 million in Venture Capital. We won’t add this to our list of the best business credit cards until we have some more details and reader experiences.

Hat tip to reader Peek

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The Offer

Direct link to offer (not live yet)

• Target is offering a $10 Target gift card when you purchase a $100 Airbnb gift card

The Fine Print

• Limit 1
• Valid 12/5 – 12/11

Our Verdict

You can pay with Target redcard and get a further 5% off. There are also some Citi offers and SimplyMiles deals, but they exclude gift card purchases.

Hat tip to GC Galore

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Update 12/2/21: January 1st, 2022 and the requirements will be changing. No longer requiring 10 debit card purchases, but will require $500+ in debit card spend instead.

Update 7/18/21: Rate is now 1.02%

Update 3/15/20: Due to Federal Reserve rate reductions in March, our eCentive rate will be reduced as of April 1, 2020. Our current rates remain in effect through March 31, 2020. Rates advertised here are updated daily.

Update 12/2/19: Rate decreased from 3.33% to 3.03%.

Offer at a glance

• Interest Rate: 3.03% APY
• Minimum Balance: None ($100 minimum to open)
• Maximum Balance: $25,000
• Availability: Nationwide
• Direct deposit required: Optional
• Additional requirements: Yes, see below 
• Hard/soft pull: Soft
• Credit card funding: Yes, up to $1,500 with a Visa credit card Credit card funding no longer allowed
• Monthly fees: None 
• Early Account Termination Fee: $30 fee if account is closed within 6 months of opening
• Insured: FDIC

The Offer

Direct Link to offer

• Heritage Bank offers their eCentive rewards checking account with an interest rate of 3.33% APY on balance up to $25,000 and ATM fee waiver.

Heritage Bank is a bank in the midwest with locations in Minnesota and Iowa. This account can be opened online for any US citizen nationwide.

To be eligible for the 3.33% rate, you need to do the following:

• Enroll in e-statements
• Have at least one direct deposit or automatic payment (ACH) each month
• Make 10 or more debit card payments and/or purchases that will post to your account each month (excluding ATM transactions)
• [Login once per month – this is mentioned in the video but not on the offer page]

The Fine Print

• Any portion of the balance above $25,000 will earn .15% APY
• If qualifications are not met, account will earn .05% APY
• When you meet the eCentive Account qualifications we will refund up to $25.00 per statement cycle of domestic ATM fees and MasterCard cross border/currency conversion fees for foreign debit card transactions.

Avoiding Fees

There is no monthly fee. There is an early termination fee of $30 if the account is closed within 6 months.

Full fee schedule can be found here. There is a $10/month dormancy fee which will apply after 12 months. Won’t apply to anyone using the account who will be making debit and ACH transactions, but it’s worth keeping in mind if you end up not using the account.

A reader notes that you must always leave $.01 in the account, else they’ll close it automatically after a few days, and will result in a $10 fee if you want to reopen.

Our Verdict

Comparing this other high interest checking and savings accounts, this comes out as one of the best available options. There aren’t many other options which have a $25k allowance, and the 3.33% rate is better than most. Plus, the qualifications should be fairly easy to meet. It is worth noting, however, that with general interest rates climbing, these rewards checking become less enticing.

We’ll add this to our List of Best Savings Account options. 

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