My Favorite Credit Cards 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!

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

  • Hilton Honors Gold status

  • Marriott Bonvoy Gold Elite status

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

  • Earn 50,000 Membership Rewards points after spending $10,000 in the first 3 months.

  • You can apply for any American Express personal or business card using my link and get the best bonus available!

Open a SoFi account

This is 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 $25 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!

Open a SoFi account

SoFi invest is my favorite way to buy and sell stocks. 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 $75 in a free stock of your choice when you sign up with my link and fund your account with $1,000.

Apply for the Chase Disney Visa

No Annual Fee!

Get a $200 statement credit after spending $500 in the first three months.

Earn 1% in Disney Rewards Dollars on all purchases.

Enjoy Disney Vacation and Shopping Perks.

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.

Apply for the Delta Skymiles Gold American Express

Earn 35,000 Bonus Miles after spending $1,000 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 for the Chase Sapphire Preferred

Get 60,000 Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months.

$95 Annual Fee.

Earn 2x points on travel (airfares, hotels, taxi, trains, etc.) and dining (including coffee shops, and fast food). Earn 1 point per dollar on all other purchases.

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 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.


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!

Join RAKUTEN for all the cash back!

Ebates is now Rakuten! Earn actual money of different percentages when you shop online. When you reach a certain threshold, they send you a check. Get a $10 starting bonus when you sign up using my link.


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!

Fetch Rewards Referral

Check out Fetch Rewards. Turn any grocery 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!

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.

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.

BECOME A PATRON of Erin Chisman - Travel Hacker

Basic Access: $5 PER MONTH

Basic Access Includes:

~Invitation to private Facebook Group

~Ability to post and receive comments directly from Erin and other VIPs in the group

$5/month has the potential to save you $1,000s on a regular basis, and get you to more and better destinations!

Thanks again guys! I appreciate your support.