BankLady Guru Tracy Banks

Earn Banking Bonuses using Swagbucks

Swagbucks and MyPoints are ways to earn rewards (cash and gift cards) for online activities. They are owned by the same parent company, so their offers are often similar or identical. We prefer Swagbucks for most of our bigger bonuses for banking and they have offered bonuses for things such as driving for DoorDash or Uber and grocery shopping.

Swagbucks has 18 money-making offers available that will give you over $850 in rewards. Some of these offers require you to open a bank account, an investment account, or a credit card and make a minimum deposit or receive a direct deposit which is an easy way to make money online. For example, you can get $200 from Swagbucks if you open a Chime Bank account and receive at least 2 qualifying direct deposits in your account. You can also get $40 from Swagbucks if you open a Greenlight debit card for kids and make a $20 minimum deposit. You could even get $150 from Sofi Bank just for throwing $100 into your account after signing up as a new customer.

Offer	Reward	Minimum Deposit	Bank Rating
Chime Bank	$200	$0	4.5
Greenlight	$40	$20	4.7
SoFi	$100	$50	5.0
Abra	$40 + $10 bonus	$25	3.9
Public	$16 + $5 bonus	$5	4.2
Axos Bank	$150 or $200	$750 or $1000	4.3
Lili Banking Account	$50	$25	4.2
Charlie App Account	$10	$0	4.6
U.S. Bank Account	$100	N/A	5.0
Copper Banking Account for Teens	$10	N/A	N/A
Varo Banking Account	$120	$25	4.7
BBVA Banking Account	$50	$25	4.5

Non-Direct Deposit Bank Offers

As I began my research, I noticed the offers for banks divided themselves into two categories – offers requiring direct deposit and offers not requiring direct deposit.

I do have direct deposits to my current bank account. But they are not usually large enough to meet the requirements detailed in the fine print of the offers. You can use services such as Brex Banking to do easy direct deposits if you do not have an employer who will do this.

If you do all the offers, you will get over $350 just for the non-direct deposit bonuses! To find these offers on the Swagbucks website, login to your account and click on Discover.

These offers are subject to change so always read the fine print on these offers.

Sofi $150 Bonus

A bank offering a hybrid of investing, credit, and cash banking, SoFi is proving a bit hard to navigate for me. This is the one I am trying out first. I signed up for my account a few weeks ago and I still cannot figure out how to fund it. It may be my bank (a smaller, local bank). Hopefully it will work for you. Since they offer hybrid banking, there are a number of offers for SoFi within Swagbucks and MyPoints. Make sure you are opening and completing the requirements for the bonus for the type of account which works for you. Read our full Sofi review here.

Swagbucks offer: Open an online account, deposit $100, get $150.

This is our favorite banking offer especially with the high interest they are paying out. Earn up to 4.20% APY on savings balances with direct deposits, and 1.20% APY on checking balances. Members without direct deposit will earn 1.20% APY on both savings and checking balances. FDIC insured up to $2M through a network of participating banks. Open a new account and deposit at least $100 to earn 15,000 Swagbucks. PLUS if you direct deposit $4,999.99 or more in 1 month, you are eligible to earn an additional $250 bonus into your SoFi account.

Axos Bank $150 Bonus

Axos Bank gives you all of the features of online banking with none of the fees. Open a bank account and deposit $750 or more to earn 15,000 SB (worth $150).

Swagbucks offer: Deposit $750, get $150.

Varo $52 Bonus

A mobile banking platform with no monthly fees and debit card, Varo provides the same protection as a normal bank account. It offers a little something when you sign up. Varo also has the options to save automatically by rounding up the totals on your purchases and saving the change or automatically setting aside a percentage of your direct deposits.

Swagbucks offer: Deposit $25, get $52

Charlie

An app intended to help young people get out of debt, Charlie helps debtors plan to be debt-free. The app also lays aside money (for debt or for savings) based on the rules set by the user. An example given may be: “Set aside $5 each time I spend at Target.”

Swagbucks offer: Deposit $10, get $10

BBVA Online Checking $50 Bonus

The BBVA Online Checking account promotes it is fee-free. Their website shows the various fees of other online banks for checking. This fact makes it easy to sign up for an account for a short-term in order to get a little bonus. An initial deposit of $25 is required to open a free account.

Note: the fine print of this offer warns of an automatic paper statement fee of $3 per month. You can opt out of it, but you must opt out in order to avoid the fee.

Swagbucks offer: Open an online account, deposit $25, get $50.

Oxygen $30 Bonus

Another online personal or business account without fees, Oxygen is a debit-card based banking system. Both the business account and the personal account have a cash back program attached. They also have a referral program which can net you $50 for each friend who meets the requirements of a new account up to $500 every 6 months. The friend also gets a $50 reward.

Swagbucks offer: Open an online account, deposit $20, get $30.

Copper $25 Bonus

Actually a bank targeting teens, MyPoints still offers real money to give Copper a try. Braces and awkward disposition are not a requirement. As I was researching their website, I discovered they offer teens rewards for learning about finances. Financial literacy and bonus money – win, win!

MyPoints offer: Open an online account, deposit $10, make one purchase get $25.

Lili $40 Bonus

An account marketed to freelancers, Lili is a debit-card based banking option. Fee-free banking and automatic savings options are great features of this bank. They also have a referral program which can net you $50 for each friend who meets the requirements of a new account. There is a $500 lifetime cap on rewards.

Swagbucks offer: Open an online account, deposit $200, get $40.

Direct-Deposit Bank Offers

Some may not have direct deposit high enough to qualify for most of these bank offers below. But if you do have a direct deposit set up for your account, these offers may be a wonderful way to make extra cash for switching your bank account. We recommend opening a Brex account or checking to see what will count as a direct deposit.

Note: It requires work to switch not only the bank account over, but also the direct deposit. Take that into consideration when deciding if these offers are right for you.

$100 or $50 Swagbucks with Current Fee-Free Banking

A modern banking option, Current is offering many of the fee-free banking benefits of the other banks detailed in this list. I like the ability to automatically save and create “pods” for specific savings goals. They also offer some banking options for families with teens.

Swagbucks offer: Open an account, have a direct deposit of over $250 in the first 30 days, get $100.

Chime

Another fee-free debit based account, Chime also offers a Savings Account when you sign up for their Visa debit account. They also offer automatic savings options to help you save money effortlessly.

Swagbucks offer: Open an account, have a direct deposit of over $200 in the first 45 days, get $125.

MyPoints offer: Open an account, have a direct deposit of over $200 in the first 45 days, get $135.

Rakuten offer: Open an account, have a direct deposit of over $200 in the first 30 days, get $40.

Is Swagbucks legit? Will I get paid?

Swagbucks is a legitimate company. Let’s say Bank A will pay Swagbucks $60 for a new customer, and then Swagbucks promises you $50 of that. That means both Swagbucks has to track that you opened the account, and Bank A has to track that someone from Swagbucks opened the account, and they both have to agree that Swagbucks user was you specifically. We recommend using the same email that you used to open the bank account that you use with your Swagbucks account.

We love to stack and use Swagbucks when they offer a bonus that is stacked on top of another bonus, and not instead of another bonus. For example, with Plynk they may only offer 3500 SB right now (worth ~$35), but at least it is on top of the standard $50 bonus. That way, it’s just gravy on top, instead of a possible net loss by making you miss out on an alternative bonus if the tracking goes awry. I usually avoid Swagbucks if they tell me I’ll be disqualified from the standard bonus.

How much are Swagbucks worth?

Thankfully, their redemption options are relatively easy to understand. 2500 SB is worth approximately $25 via various options. 2500 SB = $25 cash deposited directly into your bank account or brokerage account, no fees, uses Plaid service. You can also redeem it for Paypal cash, Uber, Airbnb, and Amazon gift cards at sometimes a discount of 10% making it worth more than your typical cash back bonus redemption.

Cash App Boosts save 15% at Torchy’s Tacos, DoorDash & Whataburger

If you’re looking to add a new tool to your cash back and savings tool kit, Cash App Boosts are more than worth a look.

Boost is a cash back rewards program available for users of the Cash App Cash Card, and it could help you save as much as 10% to 25% on some of your everyday spending at restaurants, grocery stores, coffee shops and more. You can change your boost after you use it to another boost so if you use it for an Uber ride for $1 off then switch it to 25% off a retailer or delivery service such as DoorDash.

If you do not have the Cash App you can get it here and a $5 bonus.

They broke the internet a few months ago with a 99% for DoorDash. Keep in mind this isn’t an everyday thing but the 15% of at Torchy’s Tacos, 10% Chick-Fil-A, and Taco Bell are on-going boosts.

Here we list the current Cash App Boost offers and cover how Boosts work and how to use them to save money. We also break down how this feature compares to other cash back and rewards programs.

What is Boost on Cash App?

Cash App Boosts give Cash App users a chance to earn instant discounts on some of their everyday spending. Boosts are linked to the Cash App Cash Card, a debit card tied to your Cash App account, and may only be used when you pay with the card at eligible restaurants and retailers. Boosts are easy to use, but only one can be activated at a time and each Boost must be activated before you make your purchase in order to get the deal.

Cash APP Boost recently changed the name to offers which are instant offers (better than cash back).

How do Cash App Boosts work?

Boosts are only available to Cash App Cash Card users. To apply for a card, a user must have downloaded the Cash App and be 18 or over. You can customize your Cash Card to show your “Cashtag,” choose your card finish and even add stamps, signatures or other custom artwork to the card. Once requested, cards should arrive within 10 business days.

You can request and customize your Cash Card in just a few steps

Tip: Since the Cash Card is a debit card, not a credit card, you won’t have to face a hard credit pull when you request one.

Boosts work by giving users instant cash back when they pay for purchases using the Cash Card at select retailers, including grocery stores, restaurants and more. Trader Joe’s, Xbox and coffee shops are a few of the favorite deals among users. However, many Cash Card users don’t know about Boosts since Boosts aren’t turned on automatically (and even more app users don’t know because they don’t have the Cash Card).

Boosts work differently, depending on the deal. Some Boosts take a percentage off the entire purchase, while others take a flat dollar amount off. Some require a minimum purchase, and many have a maximum discount. Boosts may be offered for specific retailers, brands or broad categories of retailers, like grocery stores or coffee shops.

As the Boost feature has evolved, Cash App has added different functions. Locked Boosts are a fairly new feature and may be accessed only after making a specified number purchases with the Cash Card. After you’ve made the required purchases, you will have limited access to the deal. When the Boost gets locked again, you must make the required number of Cash Card purchases again to unlock the deal.

While using the Cash Card might be inconvenient for some, others should find these “premium” Boosts with higher discounts worth it, especially if they frequently visit eligible retailers.

Tip: You can easily link your Cash Card to Apple Pay to take advantage of Boosts when you use your mobile wallet.

How to use Boosts

Once you activate your Cash App Cash Card, you’re ready to use Boosts. Here’s how to activate a Boost, step-by-step:

From the Cash App startup screen, tap the Cash Card icon.
Tap the “Save With Boost” button.
Scroll through the list of available Boosts and tap the one you’d like to activate.
Read the Boost’s restrictions, and if you’re ready to activate, tap “Activate Boost.”
A logo will show you which Boost is active. Your Boost is automatically applied when you make an eligible purchase with your Cash Card.

As noted, only one Boost may be active at a time, but you can change them out as often as you like to enjoy a number of different deals. When you’re ready for another deal, simply switch to another Boost. We changed from Torchy’s Tacos 15% off to Whataburger 15% off during lunch then dinner in one day!

Tip: You can start adding Boosts as soon as your Cash Card request is approved. No need to wait for the physical card to arrive in the mail.

Previous and Current Cash App Boosts

Cash App keeps its list of Boosts relevant by updating it regularly. Indeed, during the COVID-19 pandemic, Cash App has swapped out many deals at movie theaters, sit-down restaurants and coffee shops for more quarantine-friendly options, like home and beauty goods, groceries, home improvement stores, food delivery and online gaming. Boosts also include a range of price points for different demographics, and national as well as local offerings. Keep in mind these vary per person.

Here are the Boosts you can activate:

Aldi: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Chick-fil-A: 15% off (minimum purchase of $1, discount up to $7.50)
Chipotle: 15% off one purchase (minimum purchase of $1, discount up to $7.50)
Dick’s Sporting Goods: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Domino’s: 15% off one purchase (minimum purchase of $1, discount up to $7.50)
DoorDash: 10% off (minimum purchase of $2, discount up to $5)
Dunkin’: 20% off one purchase (minimum purchase of $1.50, discount up to $7.50)
GOAT: 5% off one purchase (minimum purchase of $5, discount up to $15)
GoPuff: 10% off one order (minimum purchase of $5, discount up to $5)
Grocery stores (any): 10% off one purchase (minimum purchase of $1.50, discount up to $7.50
The Home Depot: 15% off one purchase (minimum purchase of $1, discount up to $7.50)
Hulu: $5 off one purchases anywhere (Boost unlocked by making a purchase on Hulu)
Jack in the Box: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
McDonald’s: 15% off each purchase (minimum purchase of $1, discount up to $7.50)
Nordstrom: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Lyft: 20% off one purchase (minimum purchase of $1.50, discount up to $7.50)
PlayStation Network: 15% off each purchase (minimum purchase of $1, discount up to $7.50)
Publix: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Restaurants (any): 15% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Sam’s Club: 5% off one online purchase (minimum purchase of $1.50, discount up to $20)
Shake Shack: 15% off each order (minimum purchase of $1, discount up to $7.50)
Starbucks: 10% off each purchase (minimum purchase of $1.50, discount up to $7.50)
Subway: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Taco Bell: 15% off each purchase (minimum purchase of $1, discount up to $7.50)
Ulta Beauty: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
USPS: 20% off each purchase (minimum purchase of $1, discount up to $7.50)
Walgreens: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Walmart: 10% off one purchase (minimum purchase of $1.50, discount up to $7.50)
Whataburger: 15% off each purchase (minimum purchase of $1, discount up to $7.50)
Xbox: 15% off each purchase (minimum purchase of $1, discount up to $5)
Spirit! Halloween for 25% off
Torchy’s Tacos for 15% off

There are limits to using Boosts, however. You cannot use a Boost more than once in a one-hour period. Sometimes Boosts will also specify how often an offer may be used in a time frame, such as once every six hours.

Another downside is that Boosts get retired on a regular basis, so some deals you love won’t be available forever. However, as Boosts are retired, new Boosts appear in their place to keep things fresh. The good news is, as long as your Boost is activated, it won’t expire until after you use it, even if it’s already been retired.

Another restriction is that Category Boosts (such as grocery store Boosts) can only be applied to retailers in that category. For example, a grocery store Boost may only be used at a grocery store – and not necessarily any place that also sells groceries, like Target or Walmart.

Note that many Boosts, including all Category Boosts, can only be used for in-store purchases using the Cash Card, so be sure to read the fine print beforehand. Boosts also may not be applied to cash back transactions.

Tip: If you’re looking to score discounts at a wider variety of retailers, including on online shopping, you may also want to give apps like Cashback Monitor, Rakuten (ebates), Honey and Ibotta a try.

Making the most of Cash App Boosts

Savvy Cash Card users can get the most bang for their buck by only using Boosts for things they already intended to buy – and not for impulsive shopping. A smart strategy is to check the app each day to find the current deals and plan accordingly.

One tip is to look for the Boosts that don’t require a certain number of purchases beforehand. Using the Boosts for weekly grocery shops and other bigger-ticket household items is also a great way to maximize the discounts (though keep any maximum discount in mind before you buy).

One way to have your cake and eat it too is to use Boosts along with a friend or partner. Each of you can activate a different Boost to take advantage of multiple deals: Visit a coffee shop with one card, and then hit up a restaurant with another. Wait an hour and use another deal. Then pay each other back on Cash App (obviously).

Is Cash App Boost worth it?

The Cash App Cash Card, which is needed to use Boost, is quite easy to sign up for and may be instantly activated with a scannable QR code. Once activated, you’re ready to turn on Boosts. Unfortunately, you have to select Boosts manually before you can take advantage of the deal, unlike other apps or cash back cards that automatically apply deals.

Also, most Boosts have maximum discount limits and you can only activate one Boost at a time, whereas many cash back cards offer unlimited rewards and other programs offer more flexibility to add multiple offers to your account.

That said, it’s easy to get going once you’ve signed up. You can quickly add Boosts to your Cash Card and start taking advantage of instant discounts at eligible retailers with just a few taps of your device. Even better, Boost discounts are often larger than the discounts you would find with other cash back and rewards programs. Whereas most cash back cards only offer around 3% to 5% back, many Boosts offer higher discounts – as much as 10% to 15% off.

When compared to other person-to-person cash apps, like PayPal or Venmo, Cash App’s Boost feature definitely sets it apart.

Top 5 Free Bitcoin Bonuses: Easy Free Cryptocurrency By Opening New Accounts

Take advantage of these cryptocurrency companies to get free Bitcoin, Dogecoin, and Ethereum bonuses when you open new accounts and participate in the digital token-based economy.

To get free crypto bonuses, sign up for these services that help you buy, sell, store, spend, and invest in digital assets.

All of these crypto companies are free to join. They will give you free cryptocurrency when you try their services while the market is growing. This is a great time to get in for bonuses while so many companies are competing.

If you are new to Bitcoin or any cryptocurrency, these companies can help you get some free digital coins to get started.

New and Featured Offers without a Crypto Transaction

$10 Paypal offer: Earn $10 Cash when you sign up and buy $5 worth of Crypto through Paypal.

2. $70 Invstr – Get $30 USD worth of Free Crypto + $40 in Gift Cards/Cash. Offer Terms: Once you put at least $100 into your new Invstr account you will score both of these offers. See here for more information.

Get Free Bitcoin and Crypto Bonuses

3. Coinbase – Get $10 in Free Cash

Offer Terms: After you buy or sell $100 or more of crypto with your new Coinbase account, you’ll receive a $10 cash bonus, which you can withdraw or use to buy crypto. On top of that, you’ll earn more free crypto for learning about digital assets with Coinbase Earn.

Summary: One of the first major Bitcoin wallets in the U.S.A., Coinbase offers a simple-to-use platform for investing in various cryptocurrencies. Coinbase Review.

4 Sofi – Get $10 in Free Bitcoin

Offer Terms: Once you join SoFi Crypto and buy $10 in Bitcoin, Ethereum or Litecoin, receive a $10 bonus deposit.

Summary: To earn compound interest on your crypto or borrow U.S. Dollars against your crypto, create a Sofi Crypto Account. Sofi Review.

5. Crypto.com – Get $25 USD worth of Free Crypto

Offer Terms: Once you stake at least 2,500 CRO in a Metal Visa Card for 6 months, you’ll earn $25 USD worth of the CRO cryptocurrency, which can be exchanged for $25 in cash or other cryptos. After registering for Crypto.com and passing KYC verification, your $25 bonus will be instantly credited to your Crypto.com Wallet (you’ll receive $25 USD worth of CRO – the native token for the Crypto.com Chain). Go here for the $25 Crypto.com offer.

Summary: If you are looking to spend your crypto on a Visa Debit Card that is accepted worldwide, open a Crypto.com MCO Visa Card to enjoy various benefits.

Bonus Crypto Bonuses

6. Celsius Network – Earn $50 in Free Bitcoin

Offer Terms: After you pass customer verification, make your first transfer of $400 or more worth of any crypto into your Celsius wallet to earn $50 in free Bitcoin. Then, hold your initial crypto transfer for 30 days to unlock your $50 BTC bonus.

Summary: To earn interest on your cryptocurrency, join Celsius Network and deposit as little as $1 in crypto to get weekly interest payments.

7. OKCoin – Get $50 Bitcoin Bonus

Offer Terms: Once you join OKCoin and pass level 2 identity verification, deposit funds to OKCoin using your local currency and buy $100 USD worth of crypto to receive $50 worth of free Bitcoin.

Summary: To trade fiat currencies with digital assets on a global exchange, try OKCoin.

8. Dharma – Get $100 in Free Ethereum

Offer Terms: Connect a bank account and buy $500 worth of any crypto or stablecoin to earn $100 in free Ethereum.

Summary: To earn interest on crypto, buy and sell DeFi Tokens, and invest in any Ethereum protocol, try the Dharma Ethereum Wallet.

9. CoinZoom – Earn $10 USD in Free ZOOM

Offer Terms: Once you buy $100 of any crypto and maintain a $100 balance in your CoinZoom account for 30 days, you’ll receive a $10 bonus worth of ZOOM, which you can sell for USD or trade for other cryptos.

Summary: By providing a gateway to digital assets, CoinZoom makes it simple to buy, sell, send, spend, and exchange cryptocurrencies.

10. Swan Bitcoin – Get $5 in Free Bitcoin

Offer Terms: Earn a $5 Bitcoin bonus when you start a Swan savings plan and complete your first purchase.

Summary: For an easy way to automate regular Bitcoin purchases to achieve dollar-cost averaging, set up a recurring Bitcoin order with Swan Bitcoin.

11. Lolli – Get $10 in Free Bitcoin

Offer Terms: After you join Lolli, shop at any participating retailer to get $10 in free Bitcoin, on top of what you earn back in Bitcoin for shopping.

Summary: To earn shopping rebates in the form of Bitcoin, join Lolli and shop online at all of your favorite stores.

12. CoinList – Get $10 Free BTC and $5 OXT

Offer Terms: After you join CoinList and pass ID verification, buy or sell $100 worth of assets in a single trade to earn $10 in free Bitcoin. In addition, complete a quick quiz about the Orchid protocol to earn $5 in free OXT tokens.

Summary: To easily buy major cryptocurrencies along with stocks and ETFs, try SoFi Crypto.

13. Pool by Cake DeFi – Get $50 Free DFI Tokens

Offer Terms: Once you join Pool by Cake and pass ID verification, deposit $50 worth of crypto into your new account to receive $50 worth of DFI tokens.

Summary: To access a variety of cryptocurrency investment options that create constant cash flow on a simple-to-understand platform, try Pool by Cake DeFI.

14. Bitstamp – Get $20 Cash Bonus

Offer Terms: After you sign up for a Bitstamp account and verify your identity, complete your first trade for $100 or more worth of any crypto to receive a $20 cash bonus.

Summary: To buy and sell popular digital currencies with instant deposits and direct bank account cash-outs, try the Bitstamp global crypto exchange.

15. bitFlyer – Get $15 Bitcoin Bonus

Offer Terms: Once you download the bitFlyer Wallet App and trade $100 worth of any crypto, earn a $15 bonus worth of Bitcoin.

Summary: To easily trade popular cryptocurrencies with a simple-to-use platform, try the bitFlyer Wallet App.

16. SALT Lending – Get $50 Bitcoin Bonus

Offer Terms: Once you join SALT Lending using an Invite Code and have an active loan status, receive a $50 bonus worth of Bitcoin.

Summary: To access crypto collateral loans in U.S. Dollars, try SALT Lending for individual and business borrowers.

17. Outlet – Get $5 Bonus

Offer Terms: Once you download the Outlet App and complete your first successful deposit for any amount, receive a $5 bonus credit in your account.

Summary: To earn a 9% interest rate on all of your funds with no fees, try the Outlet App.

18. Constant – Get $8+ Bonus cash

Offer Terms: After you create a free account with Constant and verify your identity, receive $8+ in bonus cash after 15 days.

Summary: To automatically earn a 4% APY on your deposited funds with no limitations, join the Constant P2P lending platform.

Offer Terms: After you open an Iban Wallet and deposit $1,000 or more, receive a $25 cash bonus.

Summary: To earn fixed interest rates from various asset-backed loans, try the Iban Wallet.

20. Nexo – Earn $10 BTC Bonus

Offer Terms: After you complete Advanced Verification and top up at least $100 in any supported asset on the platform, you will receive a $10 bonus in Bitcoin.

Summary: To earn up to 12% annual interest on your crypto and fiat, try Nexo.

If you’re new to Bitcoin and want to explore some of the options for using cryptocurrencies, take advantage of these ways to get free Bitcoin bonuses.

Bitcoin and Crypto Apps we no longer recommend

Voyager – Get $25 in Free Bitcoin

Offer Terms: After you deposit and trade a minimum of $100, you will receive $25 in free Bitcoin within 72 hours.

You may have already heard about Voyager if you follow Mark Cuban. The NBA team Dallas Mavericks partnered with cryptocurrency platform Voyager “to make crypto more accessible to all.”

BlockFi – Get $10 in Free Bitcoin

Offer Terms: To be eligible, you must enter Code “c1fdf3f4” in the “Referral Field.” Once you deposit $100 worth of crypto and maintain that balance for 30 days, you’ll receive $10 in free Bitcoin.

Summary: To earn compound interest on your crypto or borrow U.S. Dollars against your crypto, create a BlockFi Interest Account. BlockFi Review.

Summary: With commission-free cryptocurrency trading across multiple exchanges using U.S. Dollars, Voyager makes it easy to trade and invest your digital assets. Go here for more information.

$7.70 Google Class Action Payout (without proof needed)

If you used Google between 2006 and 2013, Google may owe you some money. The company is settling a $23 million class-action suit that accuses it of sharing users’ searches and information with third-party companies and websites without their consent. Google has denied any liability or wrongdoing. Please note, there is no proof of purchase needed to claim what is owed to you, so no need to go digging through old receipts. The deadline for signing up for this settlement is July 31, 2023. You can claim up to $7.70 with no proof.

How do you file a claim? Go to the site refererheadersettlement.com.

First, click submit claim. If you already got an email about this, you’ll have a class member ID to put in the box. If not, click register. Then you’ll register and get an email with a class member ID. Go back to the form, fill it out completely and that’s it!

Right now, you’re going to get about $7.70, but that number could go up depending on how many people file. You have until July 31 to file.

Some other Class Action Settlements that are still available:

$4.2M Fashion Nova Class Action Payout (without proof needed)
$300 Juul Class Action Payout (without proof needed)
$29.10 Robocall Class Action Payout (without proof needed)
$6.5M Tuna Class Action Payout (without proof needed)
$725M Facebook Privacy Class Action Payout (without proof needed)
$15 Coors Vizzy Class Action Payout (without proof needed)
$110 Discover Class Action Payout (without proof needed)
$10 TV & Monitor Class Action Payout (without proof needed)
$25 Booster Seat Class Action Payout (without proof needed)
$200 Pork Class Action Payout (without proof needed)
$125 Equifax Class Action Payout (without proof needed)

This Card is Giving Away $100 Bonus and Double Cash Back – Here’s How to Get Yours

How to Save Big for Your Family with Discover’s Cashback Match and 5% Bonus Categories

If you’re looking for a simple and rewarding way to save money for your family, you might want to check out the Discover it Cash Back card. This card offers a generous cash back program that can help you earn more on your everyday purchases. Plus, it has a unique feature called Cashback Match that doubles your rewards at the end of your first year. Here’s how it works and why it’s one of the best cards to have.

Earn 5% Cash Back on Groceries, Gas, and Dining

The Discover it Cash Back card lets you earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

That means you can earn cash back on the things you buy the most for your family, such as groceries, gas, and dining out. For example, if you spend $500 a month on groceries, $200 a month on gas, and $100 a month on dining, you can earn $480 in cash back in a year (assuming you activate the 5% categories each quarter).

With the current quarter you can earn 5% back this quarter on up to $1,500 in purchases at Restaurants and Wholesale Clubs. The next quarter that starts in June will be 5% on Gas purchases. Earlier this year they gave us 5% back on Groceries and Drug Store purchases which we maxed out easily.

Get Double Cash Back at the End of Your First Year

But that’s not all. The Discover it Cash Back card also has a feature called Cashback Match that matches all the cash back you’ve earned at the end of your first year. You don’t need to sign up for this feature or pay any annual fee. You just need to use your card for purchases and earn cash back rewards. At the end of your first year, Discover will match the amount of cash back you’ve earned and add it to your account.

That means you can double your rewards without any extra effort. For example, if you earn $480 in cash back in your first year, Discover will match it and give you another $480. That’s a total of $960 in cash back for your first year!

Go here to apply and start earning double (plus the $100 Bonus!).

Redeem Your Cash Back Easily and Flexibly

One of the best things about the Discover it®Cash Back card is that redeeming your cash back is easy and flexible. You can redeem your cash back at any time and in any amount. You can choose from several options, such as:

Get a statement credit or direct deposit to your bank account
Pay with cash back at Amazon.com or PayPal
Redeem for gift cards from popular merchants and get an extra $5 added to each card
Donate to a charity of your choice

You can also use your cash back to pay down debt, save for a vacation, or treat yourself to something special. The choice is yours!

Choose Your Own Card Design

Another cool feature of the Discover it Cash Back card is that you can choose your own card design. You can pick from over 40 designs, including colors, patterns, and images. You can also change your design as often as you like for free.

This way, you can personalize your card and make it stand out from the rest. You can also match your card design to your mood, style, or season.

Some of our favorite Discover Card designs.

Why It’s One of the Best Cards to Have

The Discover it Cash Back card is one of the best cards to have for many reasons. Here are some of them:

You earn 1-5% Cash Back with no annual fee
No foreign transaction fee
0% intro APR for 15 months on purchases and balance transfers (then 16.74% to 27.74% Standard Variable Purchase APR applies)
Fee access to your FICO Credit Score
Free Social Security number alerts and identity theft protection
Award-winning U.S.-based customer service
High customer satisfaction ratings

With so many benefits and features, the Discover it Cash Back card is a great choice for moms who want to save money for their families. It offers a generous cash back program that can help you earn more on your everyday purchases. Plus, it has a unique feature that doubles your rewards at the end of your first year. And it lets you redeem your cash back easily and flexibly.

It’s a no-brainer to save big for your family with Discover’s Cashback Match and 5% bonus categories.

Chase to Launch Freedom Rise: A Starter Credit Card for Beginners

Do you want to start building your credit history? If so, you might be interested in a new credit card from Chase. It’s called Freedom Rise and it’s part of the Freedom family of cards.

Chase already has two other Freedom cards: Freedom Flex and Freedom Unlimited. These are great cards that don’t charge you any fees and give you some money back when you sign up. Freedom Flex also lets you earn more money back on different things every three months.

Freedom Rise is a new card that Chase will launch later this year. It’s designed for people who are new to credit or have bad credit. This means that it might be easier to get approved for this card than for other cards.

We don’t know much about Freedom Rise yet, but we have seen what it looks like. It has a similar design to the other Freedom cards.

Possible card rendering of the Freedom Rise.

Chase mentioned Freedom Rise in a presentation for investors. They said that they will launch the card for new-to-credit customers this year. They also said that they will offer the card in some places first, like their branches. This means that you might have to go to a Chase branch to apply for the card.

Freedom Rise could be a good option for you if you want to start or improve your credit history. We will update you when we learn more about the card and its features.

There are not many credit cards for no credit that are similar to the Freedom Rise card, as it is a new product that has not been launched yet. However, based on the limited information we have about Freedom Rise, it seems like it is a card for people with no credit or bad credit that does not require a security deposit and may offer some rewards.

Some of the current credit card offerings for no credit that are similar to Freedom Rise are:

Most Recommended: Capital One Platinum Credit Card: This card has no annual fee and no foreign transaction fee. It does not offer any rewards, but it gives you access to a higher credit line after making your first five monthly payments on time. It does not require a security deposit, but it may require a credit score or a limited credit history.
Petal 2 “Cash Back, No Fees” Visa Credit Card: This card has no annual fee, no late fee, no foreign transaction fee and no returned payment fee. It also offers up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. It does not require a security deposit or a credit score, but it uses your income and spending habits to evaluate your application. Your credit limit can range from $300 to $10,000.
Capital One Quicksilver Secured Cash Rewards Credit Card: This card has no annual fee and no foreign transaction fee. It also offers 1.5% cash back on every purchase. It requires a security deposit of $49, $99 or $200, depending on your creditworthiness. Your credit limit will be equal to your deposit amount. You can also access a higher credit line after making your first five monthly payments on time.

Discover Card also offers cards for those with no credit:

Discover it Secured Credit Card: This card requires a security deposit of at least $200, but it offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, and 1% cash back on all other purchases. It also matches all the cash back you earn in your first year. It has no annual fee and may review your account for an upgrade to an unsecured card after seven months of responsible use.
Discover it Student Cash Back: This card is for students with no credit or limited credit history. It offers 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate, and 1% cash back on all other purchases. It also matches all the cash back you earn in your first year. It has no annual fee and a $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.

Our Take

We love the name of the card indicating credit freedom which is what this website has always been about. The Banklady has helped people with their personal credit since 1999. Unless you are a college student you may not get the opportunity to start building credit if you do not take out an auto loan or are given the opportunity to get your first unsecured credit card. Capital One will normally give non-college students a $300 credit on an unsecured card but now Chase may get into the game with the Freedom Rise Card and that is a great development.

TD Bank Launches a Revolutionary Credit Card with a Monthly Fee Instead of Interest

What You Need to Know About the TD Clear Credit Card: The Pros and Cons

TD Bank has a new credit card called TD Clear that does not charge interest or late fees on your balance. Instead, you pay a monthly fee of $10 for a $1,000 credit line or $20 for a $2,000 credit line. You also have a predictable minimum payment of $45 or $70, depending on your credit limit.

Someone might need this card if they want to avoid interest charges and have a fixed monthly payment that is easy to budget for. However, this card might not be the best option if you can pay off your balance in full every month or if you have a high balance relative to your credit limit. In that case, you might be better off with a regular credit card that does not charge a monthly fee.

How it works is that you apply for the card online or in person and choose your credit limit. You can use the card for purchases, balance transfers or cash advances without paying any fees. You just have to pay the monthly fee and the minimum payment by the due date every month. If you want to skip one payment a year, you can do so without penalty if you have had the card for at least six months and are in good standing.

TD Clear

This is a credit card and rather than charging interest rates, charges a monthly fee.

$10 monthly fee for a $1,000 credit limit
$20 monthly fee for a $2,000 credit limit

This seems to be extremely expensive, representing a 12% APR and that is if you have the card maxed out at all times.

TD FlexPay

This card gives cardholders the ability to skip a payment once a year (you still accrue interest). This card offers a 0% introductory APR on balance transfers for 18 months and allows you to skip one payment a year without penalty. It also has no annual fee and no foreign transaction fees?. This card might be a good option if you want to pay off existing debt or have more flexibility with your payments.

Enhanced Rewards

In addition TD has made changes to the following cards:

TD Double Up. Cardholders earn 2% back on all purchases (previously needed to deposit rewards into TD bank account)
TD Cash. You can now choose your 3% and 2% categories

Some alternatives to the TD Clear credit card are:

There are not many credit cards with a monthly fee instead of interest. The TD Clear credit card is a unique product that TD Bank claims to be the first of its kind in the U.S. However, there are some other credit cards that might offer similar benefits, such as:

0% APR credit cards: These are cards that offer a promotional period of no interest on purchases, balance transfers or both. For example, the TD FlexPay Credit Card offers a 0% introductory APR on balance transfers for 18 months². These cards can help you save money on interest if you can pay off your balance before the promotional period ends. However, they might charge fees for balance transfers or foreign transactions, and they might have a higher interest rate after the promotional period.
Low-interest credit cards: These are cards that offer a low or variable interest rate on your balance. For example, the TD Emerald Flex Rate Visa Card offers a variable interest rate based on your creditworthiness and the prime rate³. These cards can help you save money on interest if you carry a balance from month to month. However, they might charge annual fees or foreign transaction fees, and they might not offer any rewards or benefits.
Secured credit cards: These are cards that require a security deposit that matches your credit limit. For example, the TD Cash Secured Credit Card offers a variable interest rate and 3% cash back on dining, 2% cash back on groceries and 1% cash back on everything else³. These cards can help you build or improve your credit score if you make timely payments. However, they might charge annual fees or foreign transaction fees, and they might have a low credit limit.

Claim Your Share of $6.5M Settlement for Foodservice-Size Packaged Tuna Products – No Proof of Purchase Needed!

If you’re someone who bought Foodservice-Size Packaged Tuna Products (40 oz or greater) from DOT Foods, Sysco, US Foods, Sam’s Club, Wal-Mart, or Costco from June 2011 through December 2016, then you may be eligible for a class action settlement! The best part? You don’t need to provide any proof of purchase to claim what is owed to you, so no need to go digging through old receipts. But hurry, the deadline for signing up for this settlement is June 21, 2023. While payments may vary, the entire payout is estimated to be $6.5M. So don’t miss out on this opportunity and check it out now!

Some other Class Action Settlements that are still available:

$725M Facebook Privacy Class Action Payout (without proof needed)
$110 Discover Class Action Payout (without proof needed)
$125 Equifax Class Action Payout (without proof needed)
$15 Coors Vizzy Class Action Payout (without proof needed)
$10 TV & Monitor Class Action Payout (without proof needed)
$50 Juul Class Action Payout (without proof needed)
$60 IKEA Class Action Payout (without proof needed)
$25 Booster Seat Class Action Payout (without proof needed)
$200 Pork Class Action Payout (without proof needed)
$25 Xtend Class Action Payout (without proof needed)
$50 Dickey’s Barbecue Class Action Payout (without proof needed)
$10.50 Thinx Underwear Class Action Payout (without proof needed)
$80 South of France Class Action Payout (without proof needed)
$6.5M Tuna Class Action Payout (without proof needed)

High Interest Rate Accounts for a Safe Piggy Bank

High interest checking and savings accounts give customers an edge when they would like to save money. Such customers may want to put away extra funds for college or for a home purchase. They may want to save money for an important vacation. High interest accounts can give them the opportunity to do just that. Several banks offer accounts with interest rates that are above what people call today’s “normal” interest rate. The average APY is rather low at 0.17%. However, some banking institutions offer high-yield accounts with APYs as high as 4 percent. The following is a list of the two top providers of high-interest checking and savings accounts:

[Read more…]

$725M Facebook Privacy Class Action Payout (without proof needed)

Meta Platforms Inc., which was formerly known as Facebook, has agreed to pay a $725 million class action settlement. This is because it was alleged that Facebook shared or allowed others to access user data and data about users’ friends without their permission. Facebook did not properly monitor or enforce third-party access or use of that data.

If the settlement is approved by the court, Meta Platforms Inc. will set up a fund of $725 million. This fund will be used to pay all valid claims made by members of the settlement class. The settlement class includes people who were affected by Facebook’s actions during a specific time period.

How much each person will receive depends on how many people submit valid claims and how long they were users on Facebook during the class period. The settlement fund will also cover expenses related to notifying people about the settlement and administering the settlement process. Additionally, the fund will pay any attorneys’ fees and costs, as well as any service awards for the settlement class representatives.

Meta Platforms is a technology company that owns Facebook, Instagram, WhatsApp and other platforms.

Who’s Eligible
All Facebook users in the United States between May 24, 2007, and Dec. 22, 2022, subject to the exclusions described above.

Potential Award
Varies. Make sure to state which payment you will take whether it be Paypal or Venmo. If you do not have them you can sign up for Paypal or Venmo or just get a Mastercard mailed out to you for the settlement amount.

Proof of Purchase
None.

Claim Form

Head over to FacebookUserPrivacySettlement.com to file a claim.

Claim Form Deadline
08/25/2023

Case Name
In re: Facebook, Inc. Consumer Privacy User Profile Litigation, Case No. 3:18-md-02843-VC, in the United States District Court for the Northern District of California

Final Hearing
09/07/2023

Didn’t I file for a Previous Facebook Settlement?

This is not the first settlement for Facebook/Meta Platforms Inc. regarding user data privacy issues. In fact, there have been several other settlements in the past related to similar issues.

For example, in July 2019, Facebook agreed to pay a $5 billion settlement to the Federal Trade Commission (FTC) over allegations of privacy violations related to the Cambridge Analytica scandal. In addition, Facebook settled with the Securities and Exchange Commission (SEC) for $100 million over allegations that it misled investors about the risks of misusing user data.

In April 2020, Facebook agreed to pay $52 million to settle a class-action lawsuit that accused the company of collecting and storing users’ facial recognition data without their consent.

So, it’s important to note that this is not the first settlement for Facebook/Meta Platforms Inc. related to user data privacy issues, and it’s possible that there may be more in the future.

The settlement class includes all Facebook users in the United States between May 24, 2007, and Dec. 22, 2022, inclusive (the “class period”). The settlement class does not include: (i) all persons who are directors, officers, legal representatives, alleged co-conspirators and agents of defendant or its wholly or partly owned subsidiaries or affiliated companies or employees of defendant or its subsidiaries and affiliated companies; (ii) counsel for any plaintiff whose case was consolidated into this MDL and their employees, including but not limited to class counsel for plaintiffs and their employees; (iii) the special master, discovery mediators and settlement mediator who participated in this case and their staff; and the judges and court staff, as well as any appellate court to which this matter is ever assigned; and (iv) eligible persons who elect to opt out of the settlement class.

Claims Administrator
Facebook Consumer Privacy User Profile Litigation
c/o Settlement Administrator
1650 Arch Street, Suite 2210
Philadelphia, PA 19103
info@FacebookUserPrivacySettlement.com
855-556-2233

The court has scheduled a final approval hearing for Sept. 7, 2023.

Class members who wish to exclude themselves from or object to the Facebook class action settlement must do so no later than July 26, 2023.

The deadline to submit a claim form is Aug. 25, 2023.