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!

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 $40 starting bonus when you sign up using my link.

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

  • 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!

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 (actually 20,000 Ultimate Rewards points!) after spending $500 in the first three months.

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.

Yotta is a new savings account with a gaming aspect! Depending on how much you deposit, and how many friends you invite, you get a certain number of tickets each week. These tickets consist of numbers, like a lottery ticket. There are drawings every night at 8pm Central. You can win up to $10 million, although getting a dollar and some change is more common. Still, the prize winnings in addition to the 0.20% interest rate makes this a decent option for those seeking a higher-than-average interest online savings account who also enjoy the little adrenaline shots of waiting for the winning numbers to pop up each night.

We'll both get 100 tickets to win up to $10,000,000 when you download Yotta Savings! Just sign up with code ERIN14 :

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

Get started on Webull with 3 FREE stocks valued up to $1,600 each! Here's your chance to own shares from Google, Facebook, Starbucks and more. You can also trade cryptocurrency like Bitcoin. Just deposit $100 or more within 30 days of signing up. Offer valid through November, 30, 2020.

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!

Apply for the Chase Sapphire Preferred

Get 80,000 Ultimate Rewards Points after spending $4,000 on purchases in the first 3 months. Apply by 11/7/2020 for this updated offer!

$95 Annual Fee, waived the first year.

Earn 5x points on Lyft rides.
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.
Zero delivery fees from Doordash for 1 year!

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 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 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.

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.

No Annual Fee on the regular Disney Visa! $49 annual fee on the Disney Premier Visa.

Get a $200 statement credit after spending $500 in the first three months on the Disney Premier Visa card. OR earn a $100 statement credit after your first purchase on the regular Disney Visa card.

Earn 1% in Disney Rewards Dollars on all purchases.

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.

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.