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.

Open a SoFi account

SoFi is my favorite bank for checking and savings accounts! They offer the highest savings account interest rate I've been able to find (currently 4.6%) . Sign up using my link and receive $25 after funding your account with at least $10. Earn up to $300 when you set up direct deposit. 

Wise is the highest earning place to park your US dollars, currently earning 4.95% APY. Wise can also be used to convert between several different currencies at optimal exchange rates. Sign up using my link and receive a fee-free transfer of up to $14,000 MXN. Even if you don't plan to use Wise to convert currencies, you can open your USD account and set it to earn interest, and simply transfer funds from any regular bank into it, and start earning today. 

MY FAVORITE PERSONAL / TRAVEL CREDIT CARD
Chase Sapphire Preferred - $95 annual fee, with benefits that quickly outweigh it.

Apply here

MY FAVORITE BUSINESS CARD
American Express Business Platinum gives you tons of benefits for $695/year:

APPLY HERE

MY OTHER FAVORITE BUSINESS CARD
American Express Business Gold gives you several benefits for $295/year:

APPLY HERE

FOR ALL UNITED AIRLINES TRAVELERS
There is a United MileagePlus credit for every type of person/traveler:

APPLY HERE, personal cards will show up but if you want the business cards click the upper-right link that says "Are you a small business owner?"

Join RAKUTEN for all the cash back!

MY FAVORITE CASH BACK APP/SITE
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.

Get a 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 occasionally different airfare pricing. If you use my link you'll get 3 months free when subscribing to a plan that's longer than 1 month, 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.

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

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 $6,000 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 $6,000 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 $10,000 in the first 3 months.

Chase Ink Premier - Business Card - $195 Annual Fee

Earn 2.5% on every purchase of $5,000 or more

Unlimited 2% back on all other business purchases.

Get 100,000 Ultimate Rewards Points after you spend $8,000 in the first 3 months.

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 like 5% gas stations, 5% travel through the chase portal, 3% dining & takeout/delivery services. APPLY HERE

Earn 10,000 Delta SkyMiles after spending $1,000 in purchases on your new card within your first 6 months, plus other bonuses.

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

$0 annual fee.

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

Disney Visa: No Annual Fee (THIS IS THE ONE I RECOMMEND)
Bonus: Earn a $150 statement credit after you spend $500 in the first 3 months
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 other purchases.

Both Cards: Enjoy Disney Vacation and Shopping Perks.

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.

Traveling Mailbox gives you a physical address with many locations to choose from, plus the ability to read all your mail online and choose anything that you want forwarded to you wherever you are in the world! There are a variety of plans available! More information here.

MY FAVORITE GIFT CARD APP
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.

https://youtu.be/ZrA0A8MlFqs 

Get DOSH

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!

Drop

Drop is a free app that gives away millions 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. 

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 payout via paypal. Sort the deals by "Highest Discount" to find items you can purchase for a 100% refund.

Thanks again! I appreciate your support.