My Favorite Credit Cards, Savings Accounts, and Cash Back Apps

I earn a commission or bonus miles/points when you use the links on this page to apply for accounts. Using these links helps support the work I do on YouTube and Facebook. Just click/tap on the card or logo to apply or open an account! I love all of these companies and cards, but I put my favorites at the top.

Join RAKUTEN for all the cash back!

Rakuten! Earn actual money of different percentages when you shop online. When you reach a certain threshold, they send you a check. Get a $30 starting bonus when you sign up using my link.

BEST VPN (Virtual Private Network)
Surfshark is my favorite VPN, which I use mostly for work purposes now that I'm living abroad; However, there are some non-work uses that are pretty compelling, such as different Netflix libraries, ability to use HULU abroad, and different airfare pricing. If you use my link you'll get 30 days free, unlimited devices, and roughly $2.50 US per month locked in. NICE!!! TIP: Combine this with the Rakuten for an added bonus of 20% cash back.

Get 3 vouchers for 35% cash back when you use my link for the fluz app! Anytime you are about to buy something online or in store you can instantly buy a gift card which rewards you with a % cash back automatically. Then use the gift card to complete your purchase.

Watch this video to learn how easy it is to pay with Fluz.

American Express Business Platinum gives you tons of benefits for $595/year:

  • Lounge access: Centurian Lounge, International American Express Lounges, Delta Sky Club, Priority Pass Select

  • $200 statement credit every 6 months for US purchases with Dell/

  • $200 airline fee credit each year

  • $20/month cell phone bill credit when you pay your cell bill with this card

  • Hilton Honors Gold status

  • Marriott Bonvoy Gold Elite status

  • 5x points on flights and prepaid hotels on amextravel.

  • 1.5x points on purchases over $5,000

  • Fee Credit for Global Entry or TSA Pre✔®, and CLEAR

  • No foreign transaction fees

  • Buy flights at and get 35% of your points back on eligible first and business class fares, and any fare class with your selected qualifying airline

  • NEW MEMBER BONUS: Earn 100,000 Membership Rewards points after spending $15,000 in the first 3 months.


Chase's newest card, and it's amazing. No Annual Fee! Quarterly rotating 5% categories (currently Walmart and Paypal). Also, earn 5% on travel purchased through the Ultimate Rewards portal, 3% at restaurants (including cafes, delis, etc.) 3% at drugstores, and 5% on groceries (excluding Walmart and Target) up to $12,000 in the first year after account opening!

You guys, this is an incredible value for a NO ANNUAL FEE card. You can transfer points earned to a premium card to get 25% more value when redeeming for travel. It's a no-brainer. Everyone should have this card.

Welcome bonus: Get $200 (in the form of 20,000 Ultimate Rewards points which makes it worth more) after spending $500 in the first three months. APPLY HERE

Open a SoFi account

It's called a money account, which functions just like an online checking account. You can deposit checks by photo, transfer money in and out, earn a competitive interest rate, AND you get $50 just for opening and funding the account with $500.

I've been really impressed with the ease of use, speed of money availability, and all the benefits of joining SoFi. My favorite is being able to withdraw foreign currency ATMs in other countries with no fees. Highly recommend! APPLY HERE

Open a SoFi account

With SoFi invest there are NO FEES. You can set alerts, follow the stocks you're interested in, and set up buys and sells at prices you choose.

Get $50 worth of a free stock of your choice when you sign up with my link and fund your account with $5,000. APPLY HERE

Webull is a close second to my favorite stock trading app (SoFi Invest) above.

Get started on Webull with 2 FREE stocks valued up to $1,850 each! Here's your chance to own shares from Google, Facebook, Starbucks and more. You can also trade cryptocurrency like Bitcoin, Dogecoin, and many more.


Fetch Rewards Referral

Check out Fetch Rewards. Turn any grocery or restaurant (or honestly, just about any) receipt into savings! You don't have to add offers -- it automatically finds them when you scan your receipt! Use my referral code, B5E2D, during signup and you'll get 2,000 Fetch Points just for starting. Download by clicking the Fetch logo to the left!

Apply for the Chase Sapphire Preferred

Earn 80,000 bonus points with Chase Sapphire Preferred after spending $4,000 in the first three months. Plus, earn $50 in statement credits towards grocery store purchases.

$95 Annual Fee, waived the first year.

Earn 5x points on Lyft rides through March 2022.
Earn 2x points on dining, including eligible delivery services, takeout, and fast food.
Earn 2x points on travel from airfare and hotels to taxis and trains.
Complimentary DashPass membership = Zero delivery fees from Doordash for 1 year!
$60 back on a Peloton Membership.
No foreign transaction fees.
Transfer points to leading airline and hotel loyalty programs.
Travel & Purchase Protection: benefits include trip cancellation/trip interruption insurance, and extended warranty protection.

Points are worth 25% more when you redeem for travel through the Ultimate Rewards Portal when logged into this account! (TIP: Transfer all your points to this card and then spend the points through the portal logged in to this card.) APPLY NOW

Choose from the Miles version or the Cash version (my personal favorite is Miles). Earn 2% or 2x on every purchase, every day. The new cardmember offer via my link will earn you either a one-time $500 cash bonus or 50,000 miles once you spend $4,500 on purchases within the first three months.

Annual fee is $0 for the first year, then $95/year.

No foreign transaction fees on either card. The Miles version also allows miles transfers to 15+ travel partners, and a credit for Global Entry or TSA Pre✓®. APPLY NOW

Apply for the Chase Freedom Unlimited

Earn 20,000 Ultimate Rewards Points after spending $500 on purchases within the first 3 months.

No Annual Fee!

Earn 1.5% "cash back" (better value if you use points, which is what you actually earn) on all purchases.

There are also some great additional earning opportunities through the end of the year, such as 5% on travel, 3% on dining, and 3% at drugstores. APPLY HERE

Apply for the Delta Skymiles Gold American Express

Earn 70,000 Delta SkyMiles after spending $2,000 in purchases on your new card within your first 3 months.

Earn 2x miles at restaurants, supermarkets, and Delta purchases.

$0 introductory annual fee for the first year, then $99.

First checked bag free, priority boarding, no foreign transaction fees. APPLY HERE

Chase Ink Cash - Business Card - NO ANNUAL FEE

Earn 5% on the first $25,000 spent in combined purchases each account anniversary year at: Office Supply Stores, Internet, Cable, and Phone Services.

Earn 2% on the first $25,000 spent at Gas Stations and Restaurants.

Pro Tip: Transfer points to the Chase Ink Preferred or Chase Sapphire Preferred to redeem them for travel at a value of 25% more per point.

Get 75,000 Ultimate Rewards Points after spending $7,500 in the first 3 months.

Chase Ink Unlimited - Business Card - NO ANNUAL FEE

Earns 1.5% on every purchase with no limits.

Pro Tip: Transfer points to the Chase Ink Preferred or Chase Sapphire Preferred to redeem them for travel at a value of 25% more per point.

Get 75,000 Ultimate Rewards Points after spending $7,500 in the first 3 months.

Chase Ink Preferred - Business Card - $95 Annual Fee

Earn 3% on the first $150,000 spend in combined purchases each account anniversary year on Shipping Purchases, Internet, Cable, Phone, Online Advertising (Facebook, Google, etc.), and Travel.

Points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards portal. For example, 100,000 points are worth $1,250 towards travel (instead of $1,000). You can transfer all your Ultimate Rewards points to this card to redeem them at this value!

Get 100,000 Ultimate Rewards Points after you spend $15,000 in the first 3 months.

Apply for the Capitol One Venture One

Earn 20,000 miles when you spend $1,000 on purchases within the first 3 months.

Earn unlimited 1.25 miles per dollar on every purchase, plus 10x miles on thousands of hotels through 2020.

No Annual Fee!

*This one will say it's from Adam -- that's because my husband has this card, not me.

Disney Visa: No Annual Fee
Bonus: Earn a $150 statement credit after you spend $500 on the regular Disney Visa card.
Earn 1% in Disney Rewards Dollars on all purchases.

Disney Premier Visa: $49 annual fee
Bonus: Get a $300 statement credit after spending $1,000 in the first three months
Earn 2% in Disney Rewards Dollars on grocery, restaurants, gas stations and most Disney locations. Early 1% on all o
ther purchases.

Both Cards: Enjoy Disney Vacation and Shopping Perks.


Cash back, automatically.

It’s not points. It’s not coupons. Just cold, hard cash.

Connect your card(s), shop and dine out, then transfer your cash to your bank account, PayPal, or a charity!

Rebate Key is a great way to MS (manufactured spend) to meet minimum spend requirements for new credit card bonuses. Buy products shown on their 'Deals' at deep discounts, up to 100% off, and they'll send you a check.


Drop is a free app that gives away missions in cash rewards every day. Get started with this offer and you'll have $5 in your account right away.

Just link your credit card accounts (all the big ones work: Chase, Citi, Bank of America, American Express, CapitalOne, etc.) and select your bonus offers in the app to start earning points.

Add offers, scan your grocery receipts, and get PAID actual money.

Checkout 51 Referral

Add offers, scan your grocery receipts, and get PAID actual money.

ibotta referral

An easy-to-use, cash back rewards app. I use it every time I shop, and thought you would like it too. Use my referral code, okxqdis, and you can start earning real cash when you shop at all your favorite retailers. Click the ibotta logo to get started!

Works just like Rakuten, but has different stores and percentages.

Get a $10 sign up bonus by using my link!

Also works like Rakuten, with different deals at online retailers.

Straighten your teeth with Smile Direct Club

I did Smile Direct Club to straighten my teeth, and have had a great experience! I highly recommend it if you don't have any major orthodontic needs and are just looking to have some teeth straightened (and whitened!).

You can save $100 by using my referral link.

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