KrowdFit is a digital wellness engagement platform that makes it possible to earn cash-back rewards when you use its app to track activities like steps, sleep and meals. The company also offers the $0-annual-fee KrowdFit Wellness Rewards Mastercard, which can help improve your financial fitness when you spend on self-care.
Cardholders can earn an impressive and uncapped 4% cash back on an expansive list of eligible “health, wellness, medical and lifestyle partners” — including Walmart and Target — in addition to 2% back on grocery purchases and 1% back everywhere else. Better yet, those rewards are issued instantly, so you won’t have to wait until the end of your billing cycle to redeem them.
According to a KrowdFit representative, you’ll need a FICO score above 650 to qualify for the card, which comes with a virtual card number for immediate use upon approval.
Here are five things to know about the KrowdFit credit card.
1. Earn outsized cash back on wellness purchases and more
The KrowdFit Card offers 2% cash back at grocery stores (excluding membership stores like Costco) and 1% cash back on all other purchases. While those rates are unspectacular, the card stands out thanks to the breadth of categories that qualify for its stellar 4% rate. Some of those categories include:
Food: Restaurants, specialty markets and “miscellaneous” food stores.
Health care: Medical and dental providers, health insurance and drugstores.
Wellness: Massage parlors, spa services, and health and beauty shops.
Clothing: Family clothing stores, sports apparel and shoe stores.
Outdoor activities: Public and private golf courses, country clubs, and sporting and recreational camps.
Transportation: Including boat, motorcycle and snowmobile dealers.
Discount stores: Including Walmart, Target and others.
As of this writing, more than 30 merchant category codes (MCC) qualify for 4% cash back — a massive number for a no-annual-fee card that doesn’t require active management, such as tracking a bonus calendar or opting into bonus categories.
Also, if you make a purchase that you think should qualify for bonus cash back and it doesn’t, you can request to have the MCC code added to KrowdFit’s list.
2. Get one year of KrowdFit Premium and extra cash giveaway entries
Like many apps, KrowdFit has two versions: a free one with advertisements, and a premium one without the ads that promises a few additional perks. Cardholders will receive a one-year complimentary membership to KrowdFit Premium, normally $1.99 per month.
To incentivize healthy living and activity, KrowdFit offers cash giveaways that are paid out Monday, Wednesday and Friday of every week, in addition to a $5,000 physical activity cash giveaway on the first day of every month. The more you use the app to track things like sleep, diet and activity, the more entries you get.
3. See your credit line and interest rate before the hard pull
When you apply for a credit card, the issuer will typically conduct a hard inquiry to determine your creditworthiness. That inquiry can often lead to a temporary decrease in your credit scores, even though it’s generally conducted before you know what credit limit and interest rate you’re being offered.
But the KrowdFit card lets you see whether you’ll be approved — including the credit limit and interest rate — before you receive a hard pull. That way you know exactly what you’re being offered and whether it’s worth the impact to your credit scores. A hard pull is conducted only after you accept the offer.
Who doesn’t want to be rewarded?
Create a NerdWallet account for personalized recommendations, and find the card that rewards you the most for your spending.
4. Receive an instant virtual card number
Once you accept the credit line and interest rate provided through the preapproval process, you’ll immediately receive a virtual card number. This number gives you instant access to your credit line and can be added to your virtual wallet or used online for purchases.
Once you receive the physical card in the mail, simply replace your virtual card number with the number on the front of your card.
5. There’s no sign-up bonus
The ongoing rewards structure for the KrowdFit card is solid, but the card lacks something other no-annual fee cards offer — a sign-up bonus. Whether you’re looking for cash back or travel miles, a sign-up bonus is the easiest way to pile up rewards.
The Wells Fargo Autograph℠ Card card has a $0 annual fee and offers the following sign-up bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. You’ll also earn 3 points per $1 spent on travel, dining, gas, public transportation, streaming services and phone plans.
Or there’s the Chase Freedom Flex℠, which also has a $0 annual fee and features the following sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. In addition, you’ll earn 5% cash back on up to $1,500 in combined purchases in bonus categories you activate each quarter; 5% back on travel purchased through the Chase Ultimate Rewards portal; and 3% back on dining and drugstore purchases. All other nonbonus-category purchases earn 1% back.
Last Updated: March 17, 2022 BY Michelle Schroeder-Gardner – 51 Comments
Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.
Right now, you are probably thinking, “saving money is NOT fun.”
However, I want to tell you that you are wrong!
Yep, wrong.
Maybe you don’t nerd out as much as I do when it comes to saving money, but there are plenty of ways to learn how to make saving money fun. Learning to have fun saving money is always a good idea, because it can help you save more money.
So many people get tired of paying off debt and saving money, because it can feel so monotonous or they just lack the motivation.
This is why I believe the best way to save money is to learn how to make saving money fun. This can help keep you motivated and interested in saving money.
Below are some great tips on how to make saving money fun. Enjoy!
Challenge yourself.
Challenging yourself to save more money is great, because it can help keep your financial goal on your mind and keep you motivated.
Some ways you can challenge yourself to make saving money fun include:
Take part in the $20 Savings Challenge and save over $1,000 easily.
Challenge yourself to beat spending areas you constantly struggle with. You could try to spend less money on gas, food, utilities, and more.
Whenever you do spend money on a “want,” you can put that same amount of money into your savings account. So, if you buy a $35 clothing item, then you need to also put $35 towards savings or debt. This will make things seem much more expensive, so you are likely to spend less!
Take part in a no spend challenge. Read more about this in the section below.
Related tip: I recommend checking out my PrizePool review. PrizePool is a new type of savings account where you can win one of the over 15,000 cash prizes totaling $50,000 every month simply by saving your money in a savings account. One lucky winner will get the $25,000 Grand Prize out of this guaranteed PrizePool each and every month. PrizePool savings accounts are FDIC insured too.
Take part in a no spend challenge.
To some people, a no spend challenge may not be the most fun thing in the world. However, they can be a great way to let your creative side come out, because you will have to make do with what you already have.
You can do a challenge where you don’t buy any clothing, pantry food items, coffee, gas, and so on.
Now, you may be wondering how a no spend challenge can help you, so here’s how:
No spend challenges can prevent impulse spending.
You will find use in the items you already have.
A no spend challenge can motivate a person.
It can make you aware of your spending problems.
It can help you declutter and prevent waste.
Read further at The Power Of A No Spend Challenge.
Compete with others.
You can even go a step further by making it a challenge between you and someone else. You can turn it into a fun challenge between your friends, family members, or coworkers.
Think of this as similar to when a person has a weight loss buddy. By having someone rooting you on, who is also going through both the good and bad times, you may be more likely to reach your financial goals.
You can compete with others to see who can save the most money, who can go the longest without buying a certain item, who can pay off debt first, and more.
Read personal finance blogs.
I’m not just saying this because Making Sense of Cents is a personal finance blog.
I truly believe that reading personal finance blogs can help keep you interested in saving money. Personal finance blogs are great for seeing how other real people are doing with their financial goals, to introduce you to things you haven’t thought of, and for possibly joining a community of others who have similar goals as yours.
Related: How To Save Money
Make your financial goal visual.
Making your goal visual is a great way to find motivation and make saving money fun.
Having your financial goal displayed in front of you can make it that much more real, plus it’s nice to have a constant reminder of what you’re working towards.
Various ways to make your financial goal visual include:
Create a graphic that demonstrates your financial goal. An example of this would work for something like paying off your house. You could have a picture of a house and section it into 100 pieces. Then, each time you reach a small payoff goal, you can color a piece in. I did some research and found a blog post on A Cultivated Nest about many other creative ways to do this.
Keep a picture of your goal on hand. Whether your goal is a vacation, your dream home, an item you want, or something else, having a picture will keep you reminded of it. You could even go all out and create a vision board on Pinterest or on a poster board.
Start a blog. Blogging greatly helped me with my financial goals, because I could easily look back to see how I was doing, and the blogging community was very supportive. Plus, I felt like I had to keep myself accountable and kept improving because everything was public. If interested, you can start a blog for cheap with my easy tutorial.
Find ways to have frugal fun.
There are plenty of ways to enjoy your life while staying on a realistic budget.
In fact, I believe that many of the great ways to have fun are free or affordable. We spend hardly any money within our entertainment budget each month and still have a great time filled with new experiences. Just check out my Instagram if you don’t believe me!
You can have frugal fun by:
Mystery shopping, while it won’t make you rich, it can be an easy way to earn free meals at restaurants, free outings, free hotel stays, and more.
Take advantage of happy hours.
Sign up for email lists. You can earn valuable coupons, free visits, and more by doing this.
Visit the library.
Churn credit cards so you can travel for cheap, earn free cash, gift cards, and more. Read How I’ve Earned Over $2,500 in Credit Card Rewards in 2015 for more information.
Go outside for a bike ride, hike, walk, run, swim, and more.
Volunteer at events. Many events and festivals need volunteers. This may allow you free admission when you are done with your job!
Find free attractions in your city. In some cities, there might be free visits to the zoo, museums, concerts, and more.
Are you interested in learning how to make saving money fun? What do you think is the best way to save money?
P.S. Here are some ways to make saving money a little easier:
If you are looking for a cheap cell phone service, check out Republic Wireless. Republic Wireless is a service I’ve been using for over one year now, and I’m still happy with the service. They have monthly cell phone plans as low as $5 per month. Read Saving Over $2,000 A Year With Republic Wireless Review.
Negotiate any bills that you have such as phone, internet, etc.
Use a programmable thermostat so that you can heat and cool your home efficiently and more affordably.
Sign up for a website like Ebates where you can earn CASH BACK for just spending like how you normally would online. The service is free too! Plus, when you sign up through my link, you also receive a free $10 gift card bonus to Macys, Walmart, Target, or Kohls!
Eliminate your cable bill. Buy a digital antenna (this is the exact one we have) and enjoy free TV – this is what we do!
If you have trouble eating at home, then try out $5 Meal Plan. They send meal plans directly to your email. It’s a service that I personally use and me and my husband love it!
Refinance your student loans. I recommend Credible for student loan refinancing. You can lower the interest rate on your student loans significantly by using Credible which may help you shave thousands off your student loan bill over time.
Earn side money from home easily, by taking surveys. This can earn you cash, gift cards, free items, and more so that you can spend less money! Survey companies I recommend include American Consumer Opinion, Survey Junkie, Pinecone Research, Opinion Outpost, and Harris Poll Online. They’re free to join and free to use! You get paid to answer surveys and to test products. It’s best to sign up for as many as you can as that way you can receive the most surveys and make the most money.
As you all know, I believe that earning more money is the best way to save money.
While a major renovation project can set you back tens of thousands of dollars, there are way more affordable ways to give your home a new look.
See Our List: 100 Most Influential Money Experts Read: How To Build Your Savings From Scratch
Here are some ideas for upgrading your home that will cost just $20 or less.
DjordjeDjurdjevic / Getty Images/iStockphoto
Invest in New Decor and Accessories
“Whether it’s using books for decor or finding a new art piece, accessories can make a [room] feel totally new,” said Yasmine El Sanyoura, home designer at Opendoor.
You can find affordable home decor at places like Target and HomeGoods.
Know: 5 Brand-New Items at Dollar Tree That Cost Way More at Target Costco’s Best Deals? Employee Reveals 10 Standout Buys for Your Money
FollowTheFlow / Getty Images/iStockphoto
Rearrange Your Furniture
Moving around the layout of your furniture can instantly make a room look and feel different, and this is an upgrade you can make at no cost.
Take Our Poll: Are You Planning To Buy or Sell a House This Year?
KatarzynaBialasiewicz / Getty Images/iStockphoto
Change Out Your Throw Pillows
Switching out your throw pillows can give your living room or bedroom a new look.
“Throw pillows are magical,” said Lisa Modica, interior designer and owner of Cherry Tree Interior Design. “Grab some in a few colors and patterns that match your color palette in your room, fluff them on your sofas and chairs, and you’re set.”
vientocuatroestudio / Getty Images/iStockphoto
DIY Art
If you’re artistically inclined, consider painting a mural on a blank wall or DIYing your own canvas art. You can find plenty of inspiration on places like Pinterest.
kupicoo / Getty Images
Opt for Thrifted Furniture
Thrifted furniture can be pricey, but you can also find gently used furniture that people are giving away for free. Check places like Craigslist and Facebook Marketplace for furniture steals.
“When you’re shopping for used furniture, there are a few things to keep in mind,” said Dan Wiener, founder of Homedude. “First, make sure the furniture is in good condition. Second, make sure the furniture is the right size for your room. Third, make sure the price is right. And fourth, make sure the style of the furniture matches your home décor. Often, gently used furniture can be found at a fraction of the price of new furniture.”
Liudmila Chernetska / Getty Images/iStockphoto
Add a Chic Throw Blanket
Throw blankets instantly add warmth and dimension to a room. You can find affordable throws at Walmart and Target.
Save More: 8 Items To Stop Buying at Grocery Stores If You Want To Save Money
gollykim / Getty Images
Bring in Some Greenery
“Plants are an inexpensive way to upgrade your living spaces,” said Stefan Bucur, founder of The Rhythm of the Home. “They add fresh greenery and a lively presence.”
You can find small- to medium-sized houseplants at affordable prices at places like Trader Joe’s and Home Depot. Faux greenery is often even cheaper, and you can find small fake plants for $20 or less at Target.
A thorough decluttering session can make a space look refreshed, and it doesn’t cost a thing.
“A cluttered area always looks less impressive than an organized area,” Bucur said.
KatarzynaBialasiewicz / Getty Images/iStockphoto
Restyle Your Bookshelf
Bookshelves can make a statement — or they can just look messy. Consider restyling your bookshelf by arranging books by color, and adding small affordable decorative pieces to tie everything together.
More From GOBankingRates
This article originally appeared on GOBankingRates.com: 9 Easy Ways To Update Your Home for $20 or Less
With the start of summer upon us, now may be a great time to evaluate your credit card portfolio. Credit card sign-up bonuses and welcome offers are the quickest and easiest way to rake in lots of points and miles, so we regularly update the roundup of our favorite current offers in our best credit cards guide.
But to help you keep up with an ever-changing list of bonuses, we’ve also compiled a list of the best card offers currently available — especially the ones that are worth an extra look right now because they are at all-time highs or may end soon.
Since many issuers have restrictions on how often you can earn a bonus on a card, it’s important to time your application for when there’s a good offer. Also, higher bonuses don’t always stick around for long, so if you’re considering one of these offers, you’ll want to hop on it sooner rather than later.
Finally, if you’re not ready to jump on a higher-end card, consider these great starter cards or even one with a 0% introductory annual percentage rate (APR) offer.
The best credit card offers for June 2023
Card
Sign-up bonus/welcome offer
Welcome offer value*
Annual fee
The Business Platinum Card® from American Express
120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.
$2,400.
$695 (see rates and fees).
Ink Business Preferred Credit Card
100,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.
$2,000.
$95.
The Platinum Card® from American Express
80,000 points after you spend $6,000 in the first six months, though you may be able to get a higher bonus through the CardMatch tool (terms apply).
$1,600.
$695 (see rates and fees).
American Express® Green Card
60,000 points after you spend $3,000 on purchases in their first six months of card membership. Also, get 20% back on eligible travel and transit purchases in your first six months to earn up to $200 back.
$1,400 ($1,200 in points plus up to $200 in cash back).
$150 (see rates and fees).
Capital One Venture X Rewards Credit Card
75,000 miles after you spend $4,000 on purchases in the first three months of account opening.
$1,388.
$395.
Capital One Venture Rewards Credit Card
75,000 miles after you spend $4,000 on purchases in the first three months of account opening.
$1,388.
$95.
Chase Sapphire Reserve
60,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
$1,200.
$550.
Chase Sapphire Preferred Card
60,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
$1,200.
$95.
American Express® Gold Card
60,000 points after you spend $4,000 in the first six months of card membership, though you may be able to get a higher bonus through the CardMatch tool (terms apply).
$1,200.
$250 (see rates and fees).
Southwest Rapid Rewards Plus Credit Card, Southwest Rapid Rewards Premier Credit Card, and Southwest Rapid Rewards Priority Credit Card
60,000 bonus points plus a 30% off promo code after spending $3,000 on purchases in the first three months from account opening.
$900.
$69 (Plus), $99 (Premier) and $149 (Priority).
United Club Infinite Card
80,000 bonus miles and 1,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first three months from account opening. Offer ends Aug. 9.
$880.
$525.
IHG Rewards Premier Business Card
165,000 points after spending $3,000 on purchases in the first three months from account opening.
$825.
$99.
Hilton Honors American Express Surpass® Card
130,000 Hilton Honors bonus points and a free night reward after spending $2,000 in purchases on the card in the first three months of cardmembership. Offer ends July 19.
$780.
$95 (see rates and fees).
* Welcome offer value is determined using TPG valuations and is not provided by nor reviewed by the issuer.
The Business Platinum Card from American Express
RYAN PATTERSON/THE POINTS GUY
This business card stands out not only for its 120,000-point welcome offer but thanks to added travel perks that can easily cover the card’s $695 annual fee (see rates and fees). Cardholders enjoy automatic Gold status in both the Hilton Honors and Marriott Bonvoy loyalty programs, along with access to a wide variety of airport lounges — including Amex Centurion, Priority Pass and Delta Sky Club (when traveling on same-day Delta flights). Enrollment is required for select benefits.
Cardholders also enjoy 5 points per dollar on flights and prepaid hotels booked at American Express Travel, along with 1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more (on up to $2 million of these purchases per calendar year).
Related: Amex refreshes Business Platinum Card with new perks, higher annual fee and a 120,000-point bonus
On top of that, the card comes with up to $200 in annual airline fee statement credits and a 35% points rebate for flights booked through Amex Travel in first or business class on any airline (up to 1 million points back per calendar year), or in any class on the U.S. airline of your choice each year. Non-travel benefits include up to $400 in annual statement credits toward U.S. Dell purchases, up to $360 in credits toward Indeed, up to $150 toward select Adobe purchases and up to $120 toward wireless telephone services.
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Enrollment is required for select benefits.
Read our review of the American Express Business Platinum Card for more information.
Official application link: The Business Platinum Card® from American Expresswith 120,000 points after you spend $15,000 on eligible purchases with the card within the first three months of card membership.
Ink Business Preferred Credit Card
JOHN GRIBBEN/THE POINTS GUY
Then there’s the Ink Business Preferred. According to TPG’s valuations, this card’s welcome bonus alone is worth $2,000 since you can take advantage of Chase’s excellent collection of airline and hotel transfer partners. Points redeemed through the Chase travel portal are worth 1.25 cents each, which isn’t bad, either.
Another factor in this card’s favor? Its tremendous earning rates. You’ll earn 3 points per dollar across the following categories on up to $150,000 in combined purchases (1 point per dollar thereafter):
Travel.
Shipping purchases.
Internet, cable and phone services.
Advertising on social media sites and search engines.
Depending on which categories you spend in, you could earn a whopping 450,000 bonus points per year if you maxed out that $150,000 cap.
Among the Ink Business Preferred’s unsung benefits are cellphone protection, primary rental car coverage (when renting for business purposes) and other travel and purchase protections. You can also add employee cards to your account for free.
Read our full review of the Ink Business Preferred Credit Card for more information.
Official application link: Ink Business Preferred Credit Card with 100,000 bonus points after you spend $15,000 on eligible purchases with the card within the first three months of account opening.
The Platinum Card from American Express
ASHLEY KOSCIOLEK/THE POINTS GUY
Often referred to as the king of the premium travel rewards cards, the Amex Platinum offers a slew of benefits — along with a $695 annual fee (see rates and fees). Cardholders enjoy perks such as automatic Gold status with both Hilton Honors and Marriott Bonvoy plus access to a wide range of airport lounges, including Amex Centurion, Priority Pass and Delta Sky Club (on same-day Delta flights). On top of that, you’ll get up to $200 in annual airline fee statement credits, an up-to-$200 hotel statement credit to use toward prepaid Amex Fine Hotels + Resorts or The Hotel Collection bookings (the latter of which requires a minimum two-night stay) via Amex Travel, and an up-to-$189 Clear Plus membership statement credit — along with numerous other perks. Enrollment is required for select benefits.
Related: It’s a ‘lifestyle’ card now: A closer look at the Amex Platinum’s 6 new benefits
Non-travel benefits include an up-to-$240 digital entertainment statement credit (split into monthly $20 credits) for Audible, The New York Times, SiriusXM, Peacock, The Wall Street Journal and services under the Disney umbrella — including Disney+, ESPN+ and Hulu.
Cardholders also receive an up-to-$155 Walmart+ credit (subject to auto-renewal; Plus Ups are excluded), an up-to-$300 SoulCycle bike credit and an up-to-$300 Equinox statement credit for eligible Equinox memberships (now available as an annual benefit rather than monthly credits). You also receive Uber VIP status and up to $200 in annual Uber Cash (split into monthly $15 credits for U.S. rides and Uber Eats orders plus a $20 bonus in December).
Enrollment is required for select benefits.
Finally, cardholders will enjoy enhanced earning rates on many travel purchases:
5 points per dollar on flights booked directly with airlines or with Amex Travel (on up to $500,000 on these purchases per calendar year).
5 points per dollar on prepaid hotels booked with Amex Travel.
1 point per dollar on other eligible purchases.
And while the current welcome offer provides solid value, be sure to check the CardMatch Tool to see if you can receive an even higher one (offers are targeted and subject to change at any time).
Read our review of the American Express Platinum Card for more information.
Official application link: The Platinum Card® from American Express with 80,000 points after you spend $6,000 on purchases in the first six months of card membership.
The American Express Green Card
WYATT SMITH/THE POINTS GUY
The American Express Green Card provides a compelling offering in the mid-tier travel category. With 3 points per dollar on broader travel, restaurants and transit as well as annual statement credits for Clear and LoungeBuddy that more than cover its annual fee, the Green from Amex is a card that modern travelers should consider.
The earning rates and benefits of the American Express Green Card will be most attractive to young professionals and millennials (or millennials at heart) who travel for work, pleasure or both. The card earns 3 Membership Rewards points per dollar on travel, restaurants and transit, so you’ll want to consider this card if a large chunk of your budget goes toward these categories.
The Amex Green also offers annual up to $189 Clear Plus and up to $100 LoungeBuddy statement credits that can more than offset the $150 annual fee (see rates and fees) while making your time in the airport more efficient and relaxing. If you can utilize these statement credits, the card can easily be a worthwhile addition to your purse or wallet.
Read our review of the Amex Green for more information.
Official application link: Amex Green with 60,000 Membership Rewards points after you spend $3,000 on purchases in your first six months of card membership. Also, get 20% back on eligible travel and transit purchases in your first six months to earn up to $200 back.
Capital One Venture X Rewards Credit Card
JOHN GRIBBEN/THE POINTS GUY
The Venture X card is Capital One’s premium rewards card and offers great earning rates and incredible perks.
Aside from a hefty welcome bonus of 75,000 miles after spending $4,000 on purchases in the first three months – worth about $1,388 according to our valuations thanks to Capital One’s excellent airline and hotel transfer partners – the card gives members up to $300 back in statement credits annually for bookings made through Capital One Travel and 10,000 bonus miles every account anniversary, starting on their first anniversary (worth $100 toward travel, or $185 by our valuations).
As for earning rates, the Venture X racks up 10 miles per dollar on hotels and car rentals booked via Capital One Travel, 5 miles per dollar on flights booked via Capital One Travel, and an unlimited 2 miles per dollar on everything else.
Frequent travelers will also enjoy taking advantage of access to Capital One’s developing network of airport lounges as well as the ability to enroll for Priority Pass membership for entry into more than 1,300 lounge locations worldwide (though this no longer includes participating restaurants). It also added the ability to access Plaza Premium lounges worldwide in 2022 and launched The Premier Collection in 2023, giving cardmembers on-property perks at a curated set of luxury hotels.
Read our review of the Capital One Venture X card for more information.
Official application link: Capital One Venture X Rewards Credit Card with 75,000 bonus miles after you spend $4,000 on purchases in the first three months from account opening.
Capital One Venture Rewards Credit Card
WYATT SMITH/THE POINTS GUY
The Venture Rewards packs a pretty good punch for a mid-tier credit card. It earns a flat 2 miles per dollar spent on all purchases worldwide, but you can earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel. The miles you earn with this card can be transferred to Capital One’s 17 airline and three hotel partners or redeemed through the Capital One Travel portal.
The card stands out for offering an application fee credit for Global Entry or TSA PreCheck every four years; many other cards that offer this benefit have annual fees of $400 or more. This TSA PreCheck/Global Entry application fee credit alone is worth up to $100. When making everyday purchases, you may also get Warranty Manager Service which can be used for extended warranty protection. The Venture Rewards card doesn’t impose foreign transaction fees, so you can use the card overseas without accumulating extra charges.
Read our review of the Capital One Venture Rewards Card for more information.
Official application link: Capital One Venture Rewards Credit Card with 75,000 bonus miles after you spend $4,000 on purchases in the first three months from account opening.
Chase Sapphire Reserve
WYATT SMITH/THE POINTS GUY
This is one of the best premium credit cards available.
It earns a whopping 10 points per dollar on Lyft (through March 2025), Chase Dining booked through Ultimate Rewards, and hotel and car rental purchases through the Ultimate Rewards Travel portal. Cardholders also earn 5 points per dollar on airline travel booked through the Ultimate Rewards Travel portal, 3 points per dollar on travel (after using the $300 travel credit) and dining, and 1 point per dollar on everything else.
Chase defines travel and dining quite broadly, including everything from parking fees to Airbnb stays and food delivery orders. Perks of the card include a $300 annual travel credit, Priority Pass membership, a $5 monthly DoorDash in-app credit (through December 2024), a complimentary DashPass membership and an impressive array of travel protections.
Read our review of the Chase Sapphire Reserve for more information.
Official application link: Chase Sapphire Reserve with 60,000 points after you spend $4,000 on purchases in the first three months of card membership.
Chase Sapphire Preferred Card
JOHN GRIBBEN/THE POINTS GUY
If you can’t justify a high annual fee or want a solid card with an appealing set of perks, the Chase Sapphire Preferred is an ideal fit. It earns 5 points per dollar on all travel purchased through Chase Ultimate Rewards; 3 points per dollar on dining, including eligible delivery services, takeout and dining out; 3 points per dollar on select streaming services; 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs); 2 points per dollar on all other travel; and 1 point per dollar on all other purchases.
The points you earn with this card can be transferred to Chase’s airline and hotel partners or redeemed for 1.25 cents each through the Chase Ultimate Rewards portal. Benefits include a $50 annual credit on hotel stays purchased through Ultimate Rewards, at least 12 months of DashPass membership (when activated by Dec. 31, 2024), primary rental car coverage, up to $500 in trip delay reimbursement if you’re delayed more than 12 hours or overnight, up to $10,000 in trip cancellation and interruption insurance and up to $100 per day for up to five days in baggage delay reimbursement if your bag is delayed more than six hours.
Read our review of the Chase Sapphire Preferred for more information.
Official application link: Chase Sapphire Preferred with 60,000 points after you spend $4,000 on purchases in the first three months from account opening.
American Express® Gold Card
WYATT SMITH/THE POINTS GUY
The Amex Gold card is a favorite of many TPG staffers thanks (in large part) to its terrific earning rates:
4 points per dollar on dining at restaurants (including takeout and delivery in the U.S.)
4 points per dollar at U.S. supermarkets on up to $25,000 in purchases per calendar year (1 point per dollar after that).
3 points per dollar on flights booked directly with airlines or through Amex Travel.
1 point per dollar on all other eligible purchases.
The card also offers up to $120 in annual credit for Uber rides and Uber Eats purchases and up to $120 in statement credits for select dining purchases (enrollment is required for select benefits) — all for a manageable annual fee of $250 (see rates and fees)
And while it’s not providing a limited-time bonus for new cardmembers, you can often find elevated welcome offers through the CardMatch tool. The card currently features a public welcome offer of 60,000 points after you spend $4,000 on eligible purchases within the first six months of card membership. However, some new customers can earn a 75,000-point or even 90,000-point welcome offer via the CardMatch tool after meeting the same minimum spending requirements. Note that these elevated offers are targeted and subject to change at any time.
Alternatively, you can refer a friend through the Amex referral program — and when your friend applies for a new account by June 7, you can earn an additional +5 rewards per dollar (as either points or cash back, depending on the card) on eligible U.S. supermarket purchases for three months after they’re approved (starting from the first date the referred friend’s account is opened), on up to $25,000.
Additionally, new applicants for the Amex Gold through a referral link will be eligible for an up to $200 statement credit after reaching minimum spending requirements, on top of that card’s usual welcome offer.
Read our review of the American Express Gold Card for more information.
Official application link: American Express® Gold Card with 60,000 points after you spend $4,000 in the first six months of card membership.
Southwest personal cards
JOHN GRESS MEDIA INC/SHUTTERSTOCK
All three personal of Southwest’s personal credit cards — the Rapid Rewards Plus, Rapid Rewards Premier and Rapid Rewards Priority — are currently sporting identical welcome offers: 60,000 bonus points plus a 30% off promo code after spending $3,000 on purchases in the first three months from account opening. This is the first time Southwest has offered a promo code as part of a sign-up bonus on a credit card.
The code will appear directly in your Southwest.com account within eight weeks of meeting the spending requirement. It can be used — only once — on a single one-way or round-trip Wanna Get Away, Wanna Get Away Plus, Anytime and Business Select fare, and is available for use until October 31, 2024.
Given it is a single-use promo code, it would be best to save this for a more expensive ticket. You’ll get the biggest savings when using the code for round-trip travel and/or during peak travel periods like the summer or the holidays.
Read more about the three cards and this limited-time offer.
Official application link: Southwest Rapid Rewards Plus
Official application link: Southwest Rapid Rewards Premier
Official application link: Southwest Rapid Rewards Priority
United Club Infinite Card
The United Club Infinite Card is the ideal card for United lounge access — bar none.
The United Club Infinite Card’s $525 annual fee sounds high until you factor in the United Club membership included with the card. Membership normally costs $650 per year for non-elite members.
In addition, one of the primary disadvantages of many airline credit cards is a low return on spending, even on branded purchases, as most airline cards only offer 2 or 3 points per dollar on airline purchases. But the United Club Infinite Card sets a new standard with an impressive 4 points per dollar on United purchases.
If you spend thousands of dollars on United flights each year, the United Club Infinite Card is worth considering.
Read our review of the United Club Infinite for more information.
Official application link: United Club Infinite with 80,000 bonus miles and 1,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first three months from account opening. Offer ends Aug. 9.
IHG Rewards Premier Business Card
THE POINTS GUY
New applicants for the IHG Rewards Premier Business card can earn 165,000 bonus points after spending $3,000 on purchases within three months from account opening.
Your bonus will come in the form of IHG points, which TPG values at half a cent each. Thus, this bonus is worth $825.
Generally speaking, you won’t get fantastic earning rates on most hotel credit cards — especially on broad categories like dining and groceries. That said, the IHG Premier Business card could be a solid option, especially at participating IHG properties.
When you use your card at IHG hotels and resorts, you’ll earn 10 points per dollar spent on your stay. This is in addition to the 10 base points that all IHG One Rewards members accrue at most participating brands. And since you have automatic Platinum Elite status with the card, that’ll give you another 60% bonus on top of the base points. When combined, that translates to a total of 26 points per dollar spent on most IHG stays — or a 13% return on spending, based on TPG’s valuations.
Beyond IHG purchases, cardholders of the IHG Premier Business will earn points at the following rates:
5 points per dollar spent on travel, dining and gas purchases.
5 points per dollar in select business categories, such as social media and search engine advertising and at office supply stores.
3 points per dollar spent on all other purchases.
You’ll also receive a free night certificate (worth up to 40,000 points) every year when you renew your card and enjoy your fourth night free on award stays of four nights (or longer)
Read our full review of the IHG Rewards Premier Business for more information.
Official application link: IHG Rewards Premier Business card with 165,000 bonus points after spending $3,000 on purchases within three months from account opening.
Hilton Honors American Express Surpass® Card
THE POINTS GUY
The Hilton Honors American Express Surpass® Card provides solid earnings at Hilton properties and automatic Hilton Gold elite status, which offers complimentary breakfast, increased earnings and space-available upgrades when you stay at Hilton properties.
Hilton Honors Gold status is one of the best mid-tier hotel loyalty statuses you can obtain. As a Hilton Gold elite member, you’ll get complimentary breakfast, space-available room upgrades and improved earnings when staying at Hilton brands. Luckily, you can easily earn and maintain Hilton Gold status since it is an automatic perk of the Hilton Honors American Express Surpass Card.
The Hilton Surpass card is an ideal choice for those who stay at Hilton properties often and want a cobranded credit card with a modest annual fee and valuable perks.
Read our full review of the Hilton Surpass for more information.
Official application link: Hilton Surpass with 130,000 bonus points and a free night reward after spending $2,000 in purchases on the card in the first three months of cardmembership. Offer ends July 19.
*Bonus offer value is based on TPG valuations and not provided by issuers.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
For rates and fees of the Amex Platinum card, click here. For rates and fees of the Amex Business Platinum card, click here. For rates and fees of the Amex Gold card, click here.
For rates and fees of the Amex Green card, click here.
For rates and fees of the Hilton Honors Amex Surpass, click here.
Additional reporting by Ryan Wilcox and Eric Rosen.
This post may contain affiliate links. That means if you click and buy, I may receive a small commission. Please see my full disclosure policy for details.
Last updated – April 18, 2023
Can you use manufacturer coupons on Amazon? Read on to find out.
Most of us look to save as much money as possible while still trying to enjoy the finer things in life. It’s a good reason millions of people shop on Amazon every day. It has some of the best, high-quality products at generally reasonable prices. But as we all know, these prices can get even lower by using coupons.
Benjamin Franklin once said, “Be industrious and frugal, and you will be rich.” Not sure that using coupons will make you rich, but they can save you a great deal of money.
What you do with those savings is what matters. You could direct it towards getting out of debt or use it to buy more stuff. The choice is yours.
So, can you use manufacturer coupons on Amazon?
Does Amazon Accept Manufacturer Coupons?
Unfortunately, the answer to this question is NO! Amazon does NOT accept manufacturer coupons, physical coupons, or any coupons from competitors.
Unlike other big-brand stores such as Walmart and Target or even your local supermarket, Amazon does not accept coupons in-store and does not accept any competitor coupons.
This is probably because Amazon already offers extremely discounted prices on most products, and accepting competing coupons might not be feasible.
That does not mean you can’t use coupons on Amazon at all because you can.
Also see: Where can I find manufacturer’s coupons?
What Kind of Coupons Can You Use on Amazon?
Like any good retailer, Amazon does offer coupons for customers looking to save money when online shopping. There’s an actual page dedicated to just coupons alone.
On this page, you can find all kinds of Amazon coupons, with the most popular coupons appearing at the top of the page.
You can also filter through all the coupons on offer to find those that apply to your specific needs. You can even filter by category to find coupons for specific products.
Here’s a video showing you how to find and use Amazon coupons.
Also see: Best coupons apps to save money
Where Can You Find Amazon Coupons?
Simply navigate to the Amazon Coupons Page, where you can find all the coupons on offer. While this page is the go-to source for Amazon coupons, occasionally, you can find additional coupons and savings with “Amazon Daily Deals” as well.
Apart from the usual coupons on various products, other types of coupons can be found on Amazon. These include Amazon Pantry coupons as well as Amazon Subscribe & Save coupons. These coupons give you up to 10% off discounts and even free shipping for your daily purchases on the platform.
How Much Money Can You Save With Amazon Coupons?
While there is no specifically guaranteed amount of money you can save with Amazon coupons, they work like most other coupons. That means the savings you stand to make will be indicated on the coupon you choose when applied to the specific product as dictated by its terms and conditions.
As far as numbers go, you save anywhere between 5% and 50%, depending on the offer. These massive coupon savings are often very popular during big sales events like Black Friday.
Can You Stack Amazon Coupons?
Yes, you can stack coupons on Amazon, even on already discounted products. All you have to do is head to the Amazon Coupons Page and find the coupon for your desired product.
Now, if the product already has a discount on the platform, say a 10% discount, and you find a 5% discount on the same, you can clip that coupon and stack it onto the discounted product to get a 15% discount. However, this doesn’t happen very often. You can get lucky by keeping an eye on Amazon Daily Deals.
So, can you use manufacturer coupons on Amazon? No. But you can find wonderful coupon offerings on Amazon’s Coupon Page. The even better news is that these coupons apply across a wide range of the most popular product categories, so there’s a good chance that you can save on that product you have been meaning to buy.
Coupons. Just the word alone causes a little thrill of excitement to shoot through me! I’m a long-time coupon user. From the early days of carefully cutting out coupons when I was real young, to the newer, sleek, digital method that I came to know later, I’m a sucker for savings! However, sometimes the process of finding those coupons and achieving those savings can make you feel like you’re hunting for a needle in a haystack, instead of the fun treasure hunt it really should be. And as a busy stay-at-home mom to a toddler, you better believe that my days fly by, and hunting down coupons isn’t something I can do for long periods of time, especially when I surface with none to speak of. For my sake, and your own, I found a few of the best places to find coupons so your own little coupon treasure hunt can go from gritty confusion to shimmering elation!
Where to Find the Best Physical Free Coupons
There’re numerous different places to find coupons, but for a moment let’s talk about free coupons. Which are some of the most fun coupons to stumble upon. Thanks to lots of research, no longer will you wander around in the dark trying to locate your discounts. We’ve got you covered!
One of the simplest places to locate physical free coupons is in the Sunday newspaper. I’m not sure how many people get the average Sunday paper anymore, but the number of coupons inside it is, I believe, absolutely worth it. Many papers have a small coupon insert in the centerfold, and that’s where the gem of coupons is contained. There’s usually a small subscription fee for a newspaper but nowadays a lot of publishers give you the option to subscribe to just the Sunday paper. (Or a great little life hack that I’ve personally used a few times, is picking up a Sunday paper at the Dollar Tree store, if your town has one.) True to their wonderful name, you can snag a paper for only a dollar. Newspapers are loaded with free coupons, many of which promote the items you buy on the regular, fun unique products, or discounts on experiences that you might otherwise have missed. Things like coupons for grocery stores, restaurants, and fun hot spots in your local community, are just a few examples of the nuggets of treasure found within those black-inked pages. Keep a sharp eye out for any weekly ads as well. Newspapers are really good a resource for that.
Another great place to find free coupons is the normal stores and retailers that you frequent on a weekly or even daily basis. These could be manufacturer’s coupons that are directly printed on, or attached to any product that you buy in the store. Meaning as soon as you’ve bought that product, the coupon is yours to use for your next purchase of that same product.
Perhaps one of my favorite ways to score some good old free coupons, is to take a second glance at the junk mail that seems to arrive almost daily, or mail advertisements. It’s happened a few times where I’ve actually stopped and looked carefully through the miscellaneous mail, and I’ve found a gem of a coupon or a discount on something amazing. A restaurant for a fun date night in our area that just opened, or even a percentage off of a decadent facial from a nearby Zen-soaked spa. That one was coupon gold, my friend. (The moms will get it!)
A resource that is just a bit newer in the coupon game is coupons.com. It’s strictly a coupon site in which they have a whole section of printable coupons. You can just go to the site, search for the easily found printable coupon page, print out and cut out to your delight. There’s something kind of soothing about cutting out physical coupons and if they’re free, so much the better, in my opinion.
Where to Find the Best Digital Coupons
As with most things these days, they have a digital counterpart. Coupons are no exception. For this next batch of coupon-hunting ideas, you can set aside those sharp scissors and give your snipping hand a rest. Instead, you can pick up your phone and head to coupons.com again. However, this time you can scroll through their digital download coupon page! It’s chock full of tons of coupons that are as easy to access as just pressing a button on your phone to get some massive savings.
In case you’re new to the digital coupon game, they work the same exact way as physical paper coupons. Meaning you will redeem the coupon at checkout, but instead of a paper barcode, once you “click and clip,” your digital coupon you will most likely get a barcode or a coupon code that the cashier can scan to secure your discount on the product.
Social media is a fantastic resource for finding digital coupons, or mobile coupons, as they are sometimes called on the various social media platforms. They usually come with a promo code, or another type of barcode that will allow you to redeem your coupon at checkout. The next time you’re scrolling through Instagram, or your Facebook page, make sure to keep your eyes wide open for any great deals.
Along those same lines, Amazon is amazing for finding coupons. Even if you don’t currently hold an Amazon Prime Subscription, a lot of their products have one-time coupons. Things like grocery items, cleaning agents, pet supplies, electronics and baby supplies, have regular coupons and deals that you’ll be sure to benefit from. (As with any coupon, be aware of its expiration dates, and other fine print on your digital coupons!)
Also see: Can you use manufacturer coupons on Amazon?
A little further down the treasure hunt trail of searching for the best coupons, are coupon apps. Ibotta is a great resource. It’s more of a “save and earn cash back,” kind of a deal, and I have several mom friends who swear by this app. Sign up and see what kind of savings you can earn with this gem of a coupon app nugget.
Flipp is another great one. Meant mostly for grocery, home supplies, or pharmacy needs, this app caters towards shoppers with either iPhones or Android phones. It’s very simple to download and you’ll find a surplus of digital coupons sure to meet any and all of your shopping needs.
Also see: Is Amazon Prime worth it?
Where to Hunt Down Coupons for Specific Needs
Some of the most popular coupon categories are in the area of grocery, kids, and pets. If you happen to be looking for coupons in this area, listen close and we’ll tell you some of the best places to find these!
For hardcore grocery coupon hunters, you can’t get much better than Grocery IQ. This app will pull some of the best coupons from coupons.com as well as other online apps and places them all in one spot for you to digitally sift through. Get ready to cut that grocery bill in half, my friend! It seems that the app owner (coupons.com) is a bit behind on updating the app and some people have difficulties using it. Hopefully, they will continue development as I haven’t found anything that works as well.
Need a new seasonal wardrobe for the kiddos, but would like to save a bit of money while doing it? The Children’s Place is your best bet. With everything from kid’s clothes to shoes, and accessories for your little ones, the amount of access to discount deals and exclusive coupons on this site, is truly staggering. I’ve used it several times myself, and if my 3-year-old daughter insisting that she wear her pink and purple, flowy, tulle-covered tutu, ten days in a row without washing it is any indication of how many points you’ll score by your purchases, I’d say you’ll be in for a parent of the year award, for sure. They even have a whole “vacation,” clothes section, so if you’re planning a fun summer getaway for you and the kids be sure to check that section out!
We oftentimes consider our pets to be just as near and dear to us as our actual children, so of course we’ll give you the lowdown on one or two of the best places to snag coupons for pet food and other supplies for our lovey, furry companions.
PetSmart, which you might be familiar with, is just about the best there is as far as coupons go for all of your four-legged friends. They allow you to use their store coupons as long as they have a PetSmart barcode, these can be either physical coupons or digital that you redeem right at the checkout when you’re making your final purchases. They also have a wonderful coupon receipt option that you can take advantage of. This is where the coupon is printed right on the bottom of a previous receipt, which you can redeem at the time of your next purchase. Every time I’ve been there, I’ve received awesome customer service, in that my cashier reminds me about the coupon on the bottom of the receipt for my next purchase. I love that about my neighborhood PetSmart!
Hunting Down One Step Further Savings
Sometimes, as good as they are, one-time coupon savings doesn’t quite do the trick. If you find yourself in that same spot, you can do what I like to call, “one step further savings.” This is a semi-fancy way of saying, you can sign up for things like Target Rewards Circle, Kohl’s Rewards program, TJ Maxx Rewards, or Amazon Prime Membership’s Subscribe and Save.
These are rewards programs for these particular stores. (And, in case you’re not aware, most bigger stores like the ones listed above have a rewards program like this.) Even most online stores have them as well! They’re designed to cater to the loyalty of their shoppers and customers. Usually, they’re set up in the way that once you reach a certain number of “points,” or a certain amount of money that you’ve spent with them, you receive a percentage off of your entire purchase or individual items.
They really are wonderful programs. You can set yourself and your family up to save a bundle. If the stores mentioned here aren’t ones you usually frequent, never fear. As I said most bigger stores have these types of rewards for their shoppers and you can just about always find a great program fit at your favorite store to fit your needs. Places like Walmart, CVS, Home Depot, and Menards have been known to have them as well. And, as a little-known bonus, you’ll usually receive extra coupons during the year, and sometimes even a little special percentage off near your birthday. Well worth it for those little perks alone.
Hopefully, the way we’ve broken it down, your own coupon treasure hunt won’t be so much of a hunt anymore! Keep your eyes peeled, your hands outstretched, and your excitement on the rise as you gather up those big, glittering savings!
Save more, spend smarter, and make your money go further
(*)Product details are accurate at the time of publishing and subject to change. Some of the offers on this page may no longer be available through our site
Are you in the credit rewards game?? We asked around and got some tips from savvy credit card gamers. Check out how users have paid for vacations, their wedding and more below! Have your own tips?? Share them in the comments!
Gaming for the Jet Set Lifestyle
My boyfriend and I love to travel internationally. We are able to do so through a strategic combination of saving, flight tracking, credit card points, and hotel points. A careful combination of these strategies, enable you to save tremendously on your future vacations.
We’ve included a couple of our recommendations below:
Saving
We use a combination of Mint.com and Qapital to track our spending habits and save for future trips.
Flight Tracking
The “Discover Destinations” feature of Google Flights: Allows you to view prices of upcoming flights world-wide! Once you find your desired flight, you are able to select “Track Prices” and Google will email you when prices go up or down.
Hopper (available on iOS or Android) is another must-have. Hopper uses an algorithm to accurately predict future flight prices. Letting you know whether you should buy now or wait.
Credit Card Points
AMEX Platinum Card ($695 Annual Fee) (*)
5X Points on Flight (up to $500,000 per calendar year) and Hotels booked with American Express Travel.
$200 in Uber Cash and Uber VIP status (available to Basic Card Member only).
Centurion Lounge and Priority Pass Lounge Network Access. Enrollment required.
Global Entry or TSA PreCheck Fee Credit.
American Express Concierge.
No foreign transaction fees.
See Rates and Fees
Terms apply.
Marriott Rewards Card ($85 Annual Fee)
5 points per dollar spent at Marriott Rewards or SPG hotels.
2 points per dollar spent on airline tickets, and on car rentals and restaurants.
1 point on all other purchases.
No foreign transaction fees.
Amazon Prime Rewards Visa Signature Card (Prime Membership Required)
5% Cashback at Amazon.com
2% Cashback at Restaurants, Gas Stations, and Drugstores
1% on all other purchases.
No foreign transaction fees.
Hotel Points
We typically stay at Marriott properties to accrue points. Now that Marriott has merged with Starwood, Marriott has a very large selection of hotels to choose from. Whether you’re visiting a small town or a world-class city.
Here’s more from the social networks!
I use Discover and Chase Freedom for rotating 5% CB, which can cover major stores like Walmart, Target, Amazon, or purchases like restaurants, movies, and groceries. I keep an eye out on what each quarter’s rewards are and only specifically use those cards on those stores during those times. I use my CapitalOne Savor card for 2% on groceries and 3% on dining throughout the year when my Discover and Chase Freedom cards aren’t covering those at the higher 5%. Finally, I use my CapitalOne Quicksilver card at 1.5% at all “others.” I use the CB straight to credit card statement each month and make sure to always pay the cards back always in full. Essentially I can say I have a permanent X% discount at any given store. The credit cards are paying me to use them since there is never interest from my full payments.
— Brandon B, Mesa AZ
I generally use my cash back rewards card with a consistent rate for most expenses and then sometimes switch to a card with 5% rotating rewards when the category is something I purchase a lot (gasoline, Amazon, etc.). I like the cash back better than miles/points because it’s easier to flat out see what I’ve earned and can be used on absolutely anything. To maximize rewards, I also take advantage of referral programs with cards when my friends are looking for a new card and I have one I really like – the ones I have used give $50-$100 per referral.
I transfer rewards right into my wedding savings account ❤️ It adds up faster than you’d expect!
— Rachel M, Cedarville OH
I earn cash points for purchases made with my credit card. The program allows me to select one category of purchase types to earn triple points on. I have it set up to earn triple points for purchases at grocery stores. My local grocery store has a separate “fuel perks” program where I can earn points toward free gasoline when I make purchases there. So, I use my credit card to buy all sorts of gift cards from other retailers and restaurants at my local grocery store, where I earn the triple cash points on my credit card because I made the purchase in the grocery category. At the same time, I earn the fuel perks with my local grocery store program because I made the purchases there.
I basically get triple cash points on more purchase types because I use my credit card to buy gift cards for other categories at the grocery store, AND I earn free tanks of gas for purchases outside the grocery store because I buy gift cards for those places in the grocery store.
— Bryan M, Columbus OH
I am a cashback freak, I always maximize my cashback by using right credit card for right category. I have different credit cards like chase freedom and discover which gives 5% cashback for rotating categories. I have Citi and amex for 3% caskback and for all other expenses i use the card with 1.5% cashback as my fallback. ‘TPG to Go’ app tells me which card to use depending upon my location which is very handy. At the end of the year take them out as a statemen credit. I categorize them in mint app so i know How much i earned in calendar year. Last year it was around $500+ in cashback which is a big help after expensive holiday month.
— Tejaswini L, San Jose CA
(*)Product details are accurate at the time of publishing and subject to change. Some of the offers on this page may no longer be available through our site
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Last updated – May 1, 2023
Using store coupons and manufacturer coupons together is called stacking. It is a simple grocery savings strategy many couponers have used for years. Learn how to stack coupons and even where you can try this out the next time you shop.
A woman uses a digital coupon. Image source: Getty Images.
Coupon Stacking. You may have heard this term before from other people who use coupons or even on other websites. But, do you really know what this means?
Coupon Stacking is using both a store coupon and a manufacturer’s coupon on a single item
So now that you have the basic understanding of what a coupon stack is, how can you tell if your coupon is a store coupon or a manufacturer’s coupon? That can be tricky. Here are some tips which can help.
IDENTIFYING MANUFACTURER’S COUPONS
Most coupons you find will be manufacturer’s coupons. They are distributed by the manufacturers themselves and usually found in your Sunday newspaper or printed from sites like Coupons.com.
When you redeem your coupon at the store, that retailer is reimbursed the face value of the coupon PLUS a small handling fee. Here are some common manufacturer’s characteristics:
Says “Manufacturer’s Coupon” on the coupon (usually at the top).
Includes a redemption address in the fine print on the coupon. This is where the retailer will submit the coupon so that they can be reimbursed.
It may say things such as “Redeemable at” or “Available At” on them, but they are still manufacturer’s coupons and should be accepted anywhere. However, keep in mind that some stores will not accept any coupon with another store’s logo on it, even in this instance.
This coupon shows the manufacturer’s wording at the top. It is usually easily located near the coupon expiration date or along the side of the coupon.
This coupon shows the Walmart store logo and says, “Redeemable at Walmart” on it, however, it is a manufacturer’s coupon and can be redeemed anywhere.
This coupon clearly lists the address where the retailer can send the coupon in order to be reimbursed.
HOW TO TELL IF IT IS A STORE COUPON
Store or Retailer coupons are issued by the store themselves. They are basically a store sale, just issued in coupon format. These are completely funded by the store — no manufacturer reimbursement is listed on the coupon. These are very common at national retailers such as CVS, Walgreens, and Target.
These can be found in the weekly ad or even on racks directly inside of the store. You may also be able to print them from the store’s website (such as Target). Your store may also load them as a digital coupon directly onto your rewards card (Hen House does this automatically each week).
You might even be able to log into your store rewards account and select the coupons you want to use (such as the HyVee Fuel Rewards program). You can usually identify a store coupon by the following:
Includes the store’s logo.
Does not include any redemption information on the coupon (the store will not be reimbursed for the coupon, so this information is not needed).
Usually says “Store Coupon” — where the store is the store name — i.e. Target Coupon.
This is a Target store coupon as it clearly states “Target Coupon” at the top.
Coupon includes the store logo. It also does not include any address redemption details.
Also see: Treasure hunt of where to find the best coupons
HOW TO STACK COUPONS AT YOUR STORE
Now that you know how to identify the coupons, you are ready to try your hand at coupon stacking! While most computer systems are smart enough to correctly credit your purchase in the right order, that may not always be the case.
It is usually best to always hand over the store coupons before you hand over your manufacturer’s coupons. This usually creates less hassle and having to hear those annoying beeps.
Here is an example of how it may look:
Shampoo, $4.00 Use Store coupon to save $1.00 PLUS Use the Manufacturer’s coupon to save $1.00 Final price: $2.00
So now that you know how you can stack coupons let’s share the stores where you can put your stacking skills to work!
NATIONAL CHAINS WHERE YOU CAN STACK COUPONS
CVS
At CVS, you can do what is called a Triple Stack. That means you can use a CVS store coupon + a manufacturer’s coupon + Extra Care Bucks (earned on prior transactions).
Dollar General
You can use both a Dollar General store coupon + a manufacturer’s coupon.
Kohl’s
You can use a value off coupon with a percentage off coupon. However, you can not combine multiple percentages off coupons. In addition, you can use Kohl’s cash with any other additional coupon (but Kohl’s cash comes off before any discount is calculated).
Michael’s
You can use multiple coupons as long as the barcodes are all different.
Rite Aid
You can stack use coupon stacking here as well. You can use a manufacturer’s coupon + a Rite Aid store coupon.
Target
Target allows a triple stack! You can combine a manufacturer’s coupon + a Target store coupon + a Target Circle offer.
Walgreen’s
Walgreen’s will allow you to stack one of their store coupons, called an Instant Value Coupon, with a manufacturer’s coupon. You can also combine Register Rewards (earned on prior purchases), but the total coupons cannot exceed the number of purchased products.
GROCERY STORES THAT ALLOW STACKING COUPONS
Hen House
You can use a digital coupon or store coupon + a manufacturer’s coupon.
HyVee
You can stack a HyVee store coupon with a manufacturer’s coupon
Price Chopper (Kansas City metro area)
You can use a store coupon with a manufacturer’s coupon.
Publix
When shopping here, you can stack your Publix store coupons with the manufacturer’s coupons.
Safeway
You can use a Safeway store coupon with a manufacturer’s coupon.
Whole Foods
They will allow you to use a store coupon + a manufacturer’s coupon.
If you are in a relationship, you know how easy it can be to pass on having a date night due to kids, too much going on, or even finances. However, it is essential to your relationship to spend some quality time together. How do you do that? By having a date night, of course!
We’ve come up with some cute date night ideas that are fun and affordable ways to have a date night with your partner. We’ve kept them budget-friendly so you won’t have to spend a lot of money.
CLICK THE IMAGE ABOVE AND GET YOUR DATE NIGHT CARDS
To make this even more fun, we’ve created date night cards! Print them out and toss them into a box or a jar and draw one out and let fate determine what you will do for date night this week! With 50 ideas, you will always have something you can do together. And, some of these ideas may inspire some of your own!
FUN & CHEAP DATE NIGHT IDEAS
1. Make s’mores over your fireplace fire or home campfire. You can also try your hand at this fun s’mores dip recipe too!
2. Teach one another something new. If you know how to paint, teach your partner. Maybe he or she can show you how to build a shelf.
3. Take in the stars. Watch for shooting stars or try to find constellations.
4. Movie Night at home. Cuddle up on the floor with a few pillows and a blanket. Share a bowl of popcorn and your favorite beverage. If you have a great backyard, put the movie on your laptop and head outside.
5. Go on a bike ride around a local park or lake. Take time to stop along the way and take in the nature around you.
6. Take a nice long day hike up a local trail. Identify trees or plants along your trip.
7. Create an ice cream bar. Don’t forget the hot fudge!
8. Play a card game. You can play something as simple as Go Fish or learn a new game. Or, there is always a game of poker, to which you can add some “spice” if you wish.
9. Go for a nice long scenic drive together. For more fun, try to make only left (or right turns) and see where you end up.
10. Play a game of Mini Golf. Just check for coupons before you go!
11. Rent a movie or TV series. Watch all of the Harry Potter movies or every season of Grey’s Anatomy (which will last a few date nights).
12. Play a game of Red Neck Golf. For more fun, you could find plans to make it yourself!
13. Check out your local farmer’s market. You can also play the alphabet game and see if you can’t find products for every letter.
14. Visit your local aquarium. Don’t forget to take fish face selfies!
15. Play a game of “Chopped Challenge.” Have the kids put a few ingredients into a box for you and see what you can create together.
16. Visit your local museum. You can also check out a local art exhibit. Add more fun by having a scavenger hunt in the museum to find items like a blue shirt, tree, etc.
17. Get tickets to a local concert, performance, or show. Grab dinner at home before you go so you can save a few bucks
18. Visit your local zoo. Walk around imitating the animals you just saw. You’ll be guaranteed to laugh.
19. Attend a local sports game. Check out a high school or college game. If you live near a minor league team, tickets to these games are much less expensive than professional teams.
20. Spa Night. Give each other a massage, pedicure, or facial and soak in the tub.
21. Candlelight dinner. But, don’t make it! Try a fun fast food restaurant by soft candlelight.
22. Go to the driving range. FORE!!
23. Shopping trip. Make it more fun by buying something for one another that you like.
24. Plan your dream house. Go online and look on Pinterest for ideas. For even more fun, visit your local home improvement store and select your carpet, appliances and more.
25. Have a fondue night. Find some fondue recipes and make your dinner and dessert at home.
26. Play board games. See if you can finally finish a game of Monopoly.
27. Hit the playground. Push one another on the swings, go down a slide and get dizzy on the merry-go-round (if they have one).
28. Coffee talk. Go to your favorite coffee store and grab a cup and just talk. Set rules such as no mention of the kids!
29. Check out the bookstore. Skip the electronic books and go to a bookstore. Sit and read together or listen to an author reading from his or her book.
30. Bowling. Check out your local alley to find out when they might have rock and bowl or blacklight bowling.
31. Slip-n-slide. Dig out the kiddie pool or the slip-n-slide and have some fun!
32. Beer or wine tasting. If you live near a brewery or vineyard, go on a tour, and don’t forget the samples!
33. Volunteer. Find a charity you both love and volunteer your time to help out. You’ll get to spend time together while being able to help someone else.
34. Tour an open house. If your city offers a tour of homes, take in a few of them. Dream about what you would do or pretend to be a realtor selling it to one another.
35. Scavenger Hunt. Create a list of things you need to find around your neighborhood. You could turn it into a mini food drive for a local charity too!
36. Feed the ducks. Stop by the park and feed the ducks. People watch and come up with your own story about their lives.
37. Fly a kite. Bonus points if you make it yourself!
38. Build a fort blanket. Then, spend the night inside eating snacks, telling ghost stories, or watching a movie.
39. Take a class. Check with your local parks and rec department and take a class together. You can also take a DIY class at your home improvement store (and then make improvements at home).
40. Glamour shot. Get out the makeup and accessories and dress one another up. Don’t forget to take photos!
41. Strip games. Enough said.
42. Store hunt. Have fun at Walmart finding the craziest items on your list.
43. Nerf gun war. Borrow the kids’ guns and have some fun!! Make sure you have plenty of ammo!
44. Geocaching. Such a great way to have some fun outside.
45. Roller skating. Make sure you wear a helmet.
46. Backyard camping. Set up the tent and make a campfire (in your grill or fire pit).
47. Test drive vehicles. Not just any though, try your dream car!
48. Visit an arcade. Play the games your kids love. Or, pull out the Wii, classic Atari, or Sega and have fun at home.
49. Play the newlywed game. Create 10 questions and write down your answers. See if your partner can answer them correctly.
50. Love notes. Write a note or poem for one another. It is important to know how much you mean to the person you love.
There you go! Fifty fun ways to spend a day or night with your favorite person! Money won’t be an excuse for not doing something together with these cheap date night ideas!
Current is a digital banking app designed to simplify banking in the modern world. It also includes features for teens and young adults that can help them learn to manage money.
So, how does Current work and what does it cost? We’ll answer all of these questions and more in the Current review below.
What is Current?
Current is not a bank. It’s different from other financial institutions in that it’s a financial technology with a mission to help people make smart decisions about money.
It comes with several perks, like faster paycheck access, savings pods, spending insights, and cash back rewards. Best of all, there are no minimum balance requirements or overdraft fees.
Founded in June 2015 by Stuart Sopp, Current has raised over $400M and landed big name partners and investors, including Mr. Beast, the well-known YouTube star.
Its banking services are provided by Choice Financial Group and Metropolitan Commercial Bank, Members FDIC. In addition, the Current Visa Debit Card is issued by Choice Financial Group and Metropolitan Commercial Bank.
To date, there are about 4 million Current users. Current accounts are currently mobile only as there is no desktop account access or in-person branch network. You can download the Current app on your Android or iOS advice.
Current Features
Current offers several account features that you might find useful, including:
Faster Paycheck Access
Sometimes, you can’t wait until payday and need your hard earned money sooner. That’s where Current’s paycheck access comes in. It will deposit the funds from your paycheck up to two days faster than the typical direct deposit.
Current is unique in that it disregards the date your employer intends to release your paycheck funds. Instead, it works like a prepaid debit card and credits your account immediately after receiving it.
Gas Hold Feature
There’s no denying that the price of gas has skyrocketed. As a result, many gas stations have begun placing holds on the cards of customers. For example, a gas station might place a $100 hold on your card, even if you only purchase $50 worth of gas.
This will ensure you’ll have enough funds to cover the total cost. It can take anywhere from a few hours to a few days for the gas station to release the hold. Current will remove the hold right away so that the funds are readily available to you and you don’t have to wait.
Teen Banking
Current offers a teen account that enables parental supervision and strives to educate teens about proper money management. Its parental features include cashless convenience, instant transfers to teen cards, purchase notifications, and the ability to block specific merchants.
Parents can also use Current’s teen account to set spending limits and chores as well as automate allowance payments. In addition, multiple family members may add funds as they wish.
Savings Pods
With Current’s savings pods, you can meet various saving goals. Here’s how it works: You name a savings pod and deposit money into it from your account or qualifying direct deposit.
You can also add money through the round up feature where you round up to the nearest dollar from any debit card purchases you make.
At the time this article was written, Current offers 4% APY on $6,000. To take advantage of the interest feature, transfer money from your spending balance to your savings pods.
Note that the type of membership you have will determine how many savings pods you can open. If you’re a basic customer, you’re limited to one pod whereas premium customers get up to three pods.
Cash Back Rewards
Current members can reap the benefits of a generous rewards program. As a member, you can earn up to 15x points on purchases you make at over 14,000 retailers. These retailers include Rite Aid, Cold Stone Creamery, Rite Aid, Subway, Forever 21, Burger King, and others that are listed in the Points tab in the Current app.
You may redeem these points for cash back in your Current account. You’ll receive the points right after you make a qualifying purchase and can redeem 100 points per dollar.
According to Current, its members have the potential to earn $165 cash back per year by simply using their card at participating gas stations. Keep in mind that Premium customers have the potential to earn more points and cash back than Basic customers.
Instant Cash Deposit
Current lets you easily deposit cash into your account. You may instantly add cash at over 60,000 at convenient places like local grocery and convenience stores, including Walmart and CVS. This is a huge selling point.
To deposit cash with Current, find a nearby cash deposit location, tap “view barcode” from the map, show the barcode to a cashier, and give them the funds. You can add up to $500 per transaction or up to $1,000 per day and $10,000 per month. The money will show up in your Current bank account immediately.
Overdraft Protection
The app does more than eliminate overdraft fees. If you overdraft your account by accident, you’ll get a free pass. The Overdrive feature offers a fee-free overdraft of up to $200 on in-store and online purchases.
To qualify for it, you must be 18 years or older and receive $500 or more in eligible direct deposits each 30-day period. A qualifying deposit can be an ACH transfer from your employer, payroll company, or Social Security. Unfortunately, mobile check deposits and peer-to-peer transfers don’t count.
Cryptocurrency
With Current, you can buy and sell cryptocurrency from the same app. Fortunately, you don’t have to worry about any trading fees or wait days for your trade to settle. You can purchase 27 popular coins, like Bitcoin, Dogecoin, Ethereum, and Shiba Inu. Once you sell a coin, you’ll notice the cash in your Current account immediately.
Money Management
Current’s money management tools can come in handy if you’re looking for a way to take control of your personal finance and make the most out of your money. The Spending Insights feature, for example, is available on your home screen.
It lists your recent purchases and assigns them a spending category so you can easily see where your cash is going. You may also sign up for real-time notifications that will appear any time you make a debit card purchase.
While the Spending Insights feature is designed to help you track your spending, the Budgets tool if your goal is to prevent overspending. You can create budgets for various categories. As you approach your budget or spending limit on an account ownership category, you can receive updates and make changes accordingly.
Current Pay
Current Pay works a lot like Apple Pay, Venmo, Zelle, and PayPal. If you know others that use the app, you can pay and request money from them instantly. Best of all, the process is easy and doesn’t involve any fees.
Does Current Have Transaction Limits?
Despite all of Current’s handy features, the app does impose transaction limits you should be aware of. These include a $500 daily maximum in ATM withdrawals, $2,000 daily maximum in card purchases, and $5,000 maximum transaction amount for peer-to-peer payments through Current Pay.
Are There Any Fees?
Now it’s time to discuss Current review fees. You may be surprised to learn that Current doesn’t charge monthly maintenance fees or have any minimum balance requirement requirements.
Additionally, there are no overdraft fees, or money transfer fees for money transfers from an internal bank account or external bank account or ATM fees at 40,000+ Allpoint ATMs. This is great news if you’d like to try it out with no strings attached.
But keep in mind that you may face out-of-network or third-party fees. For example, if you use Current at an out-of-network ATM, you’ll get charged $2.50. International withdrawals cost $3 each.
In addition, if you’d like, you can upgrade from the Basic membership plan to the Premium account or membership plan. While this will come with an additional monthly fee of $4.99, you’ll get access to more features, like additional savings pods and the chance to earn more cash back.
Who is Current best for?
Current might be worth exploring if you don’t mind mobile banking. It can help you meet smaller savings goals with a high interest rate. It’s also ideal if you use your credit card frequently and hope to earn generous cashback rewards.
In addition, you may benefit from Current if you’re a parent or guardian that wants an account for your teen and wishes to instill healthy money habits. We also recommend Current if you’re unable to qualify for a traditional banking account and are looking for a viable, cost-effective alternative.
Current Pros and Cons
Just like any digital banking app or online bank, Current comes with several benefits and drawbacks, including:
Pros
No monthly fees: You can use Current without committing to monthly usage fees.
Generous APY: Current offers 4% APY on up to $6,000 in savings to help you expedite your savings goals.
Cash back: Unlike most debit cards, Current rewards you with cash back every time you make a purchase at 14,000+ participating retailers.
Early paycheck access: You may access the money from your paycheck up to two days sooner.
Instant gas hold removals: If a gas station places a hold on your account, Current will remove it immediately.
Teen features: Current comes with plenty of features you can use to help your teen become responsible with money.
Cons
No online or in-person banking: You can only use Current on your iOS or Android device as Current’s mobile app currently doesn’t support online or in-person banking at a local branch.
No checks: The Current app doesn’t offer checks so you’ll have to find an alternative payment solution.
Email-based support: If you have a question or concern, Current will only be able to help you via email support is not available.
Mobile check deposit feature is slow: It can take up to 5 business days for a check deposit to clear.
How to Use Current
If you’d like to sign up for Current, follow these easy steps.
Download the app on the Google Play Store or Apple App Store. You can also enter your phone number on Current’s website and receive a download link.
Share basic personal information including your name, phone number, email address, residential address, and Social Security number.
If you’d like, connect Current to a debit card or bank account to fund your account.
Once you sign up, you’ll receive a Current debit card by mail. It should arrive via USPS within 7 to 10 business days but you can use Current before then. Current will give you a virtual card you can add to your digital phone wallet while you wait for your physical card.
Current Reviews
Before you go ahead and sign up for the Current app, you might be wondering what other Current account holders have to say about it. Here’s an overview of the various reviews we found online.
TrustPilot
On TrustPilot, Current earned 3.8 out of 5 stars. Most reviewers praise the app but there are several complaints about Current customer support and challenges with disputes.
Apple App Store
Current users gave it a 4.7 out of 5 stars on the Apple App Store. There are over 84K reviews and any of the negative ones relate to customer service.
Google Play
When it comes to the Google Play Store, Current ranked well as well with 4.8 out of 5 stars from over 89K reviews. Again, the negative reviews are about customer service and resolving disputes.
It’s no surprise that customer service is Current’s most noteworthy downfall as it’s only available via email and in-app chat that sometimes doesn’t work. If you have an urgent question while using the app, you won’t be able to make a phone call and receive a quick response. Depending on when you send the email, you may have to wait a few business days or even longer to hear back.
Speaking of customer service, you might want to know how to go about it. You can use the in-app chat feature or fill out an email form and wait for an email response. As stated, there’s no way to call the Current team for faster support.
The good news is the app is fairly intuitive and you shouldn’t come across too many issues while using it, especially if you consider yourself tech savvy. Plus you can check out Current’s frequently asked questions on its website for answers to simple, less urgent questions.
Current Alternatives
While Current is a solid online banking app for many adults, teens, and young adults, it’s not for everyone. If you find that Current isn’t right for you or are wondering about alternative options, here are a few to consider.
Chime®
Just like Current, Chime is a financial technology company or fintech company with modern features you may not find at a traditional bank, credit union, or brick-and-mortar financial services company. It offers early direct deposit2, savings roundups, and no-fee overdrafts5.
Compared to Current, it’s more like a high yield savings account8 in that it lets you earn a better APY on your savings on your entire balance, rather than just up to $6,000.
In addition, there’s a Credit Builder7 account you can use to boost your credit without a credit check. Just keep in mind that Chime doesn’t offer a teen account like the Current teen account.
Read our in-depth Chime review here.
See also: Chime vs. Current: Which Is Better?
Greenlight
While Current is intended for teens and their parents, Greenlight’s online banking services are geared toward younger children in elementary school. Both apps come with parental controls and features such as spending limits, chore rewards, transaction monitoring, and the chance to blacklist set retailers. Greenlight also lets you invest in the stock market.
Bottom Line
Current offers a long list of features that make it a smart choice if you want a digital banking platform with no monthly fees or hidden fees. You can enjoy early paycheck deposit, no overdraft fees, teen savings accounts, cash back rewards, savings pods, and more.
As long as you’re okay with limited customer service and don’t mind using the app on your mobile device, it’s certainly worth exploring.
Current FAQs
Here are a few of the most common questions that many people ask about the Current digital banking app.
Is Current safe?
It’s a risk to use any type of mobile or online banking platform. But Current checking accounts and teen accounts are backed by FDIC insurance of $250,000 in the event of a bank failure. Plus just like many reputable online banks, the app uses bank-level data security measures and you can sign up to receive push notifications any time current detects account fraud.
Does Current have any physical branches?
At this time, Current does not have any physical branches. This means you won’t be able to receive in-person service. The good news, however, is it does offer fee-free cash withdrawals at over 40,000 Allpoint ATMs throughout the country.
Can you deposit cash into your Current account?
Yes, Current lets you deposit cash. However, cash deposits aren’t free and you will have to pay $3.50 for every cash deposit transaction.
What happens if you overdraft your Current account?
Thanks to the Overdrive feature, it’s no big deal if you overdraft your account. You can enjoy a fee-free overdrive of up to $200 on any purchase you make in-store and online.
Can you earn rewards or bonuses with Current?
Absolutely! As long as you use the Current Visa debit card at participating retailers, you can earn cash back. Plus you can earn $1 every time you refer a friend who signs up for a Current account.
Is Current worth it?
If you’re looking for a free checking account with plenty of bells and whistles or a teen banking account, the Current mobile app should be on your radar. But if you prefer a more traditional banking experience, you might be better off with an account at a local bank or credit union.
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
2. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Chime generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
5. Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
7. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
8. A Chime Checking Account is required to be eligible for a Savings Account.
