Referrals

Here’s a list of products or services I’ve used personally and would recommend to my friends and family:

Credit Cards

I prioritize cash back over travel, so recommend these cards accordingly.

Bank of America Customized Cash Rewards – when paired with Platinum Honors status under their Preferred Rewards program, this card yields 5.25% cash back from one bonus category (gas, online shopping, dining, travel, drug stores, or home improvement, up to $2,500/quarter). The best part is that you can have multiples of these cards to maximize cash back across a range of spending categories.

Capital One Venture X – excellent churn potential with a hefty 100,000 mile bonus after $10K in spend that can be redeemed as a statement credit for most ‘travel’ related purchases like flights, hotels, Airbnb, Lyft/Uber, etc. The AF of $395 is more than offset by the signup bonus and an annual $300 travel credit. Card can be product-changed to a no-AF option after Year 1.

American Express Blue Cash Preferred – awesome every-day-carry card for at least the first year. Earn 6% cash back on grocery spend (up to $6k in spend/year), 6% on streaming services like Netflix, Spotify, etc., and 3% on gas or transit purchases. Comes with a $250 signup bonus after $1k in spend (25% ROI). This does have $95 AF that pays for itself if you spend ~$31/week on groceries, or you can downgrade after the first year to the $0 Annual Fee Blue Cash Everyday (3% grocery, 2% gas)

Discover IT – earns 5% cash back on rotating categories each quarter, but IMPORTANTLY, Discover will double all cash back after your first year, effectively earning 10% back on the quarterly categories! No annual fee to worry about either.

Chase Freedom Unlimited – an excellent downgrade option from a Sapphire Preferred or Reserve that has no AF, lets you hold on to any accrued Ultimate Rewards points, and earns 1.5 UR points for every dollar spent. Also worth looking at the original Chase Freedom cards for their 5% back categories that rotate quarterly.

American Express Blue Business Plus – a solid no-AF card that earns an unlimited 2 Membership Rewards points per dollar spent. Since all MR-earning cards are pooled, this is a great way to keep from forfeiting your MR points in case you need to cancel a different Amex card. Earn 10,000 MR points after $3k in spend (worth $110 in cash if redeemed with a Schwab Platinum card into your Schwab brokerage account).

Fidelity Rewards Visa – no referral, but this is my everyday carry card for non-bonused spend that earns 2% cash back on every transaction. Simple, unlimited cash back that gets auto-deposited into my $0-fee Fidelity Cash Management Account (i.e. a brokerage version of a checking account). Sometimes there’s a signup bonus, check here, and they run periodic spend bonuses (e.g., “After $500 in spend, earn an additional 1% cash back through the end of the month“).

Banking

SoFi Money – modern, simple banking with a comparatively high-yield APY checking account including zero fees and ATM rebates. Nice UX. They often have separate bonus offers for their stock and bitcoin investment accounts too. Note: I do not endorse investing in bitcoin, but won’t say no to free money! (you ‘invest’ in income producing assets; don’t gamble/speculate on currency valuations)

Coinbase – a well-known, easy-to-use crypto brokerage that’s unique in frequently offering ~$3 “rewards” in some crypto after watching a few short videos teaching you about that currency. Of course, buyer beware; see note above regarding bitcoin/crypto.

Marcus – great option for a stand-alone savings account with very competitive interest rates and hassle-free transfers.

Ally Bank – no referral here, I just like them. Competitive interest rates, clean web and mobile interface, and serves as my ‘hub’, allowing me to connect up to 20 other bank accounts for transfers (very helpful in churning bank bonuses).

Cell Phone

Mint Mobile – this has been really cheap, fast, and reliable for me, but check if T-Mobile has good coverage in your area. They charge less by requiring that you pay in 3, 6, or 12-month increments; the longer you prepay, the better deal you get and all options include 5G coverage. Using my referral link gives us both a $15 credit.

Bill Pay

Plastiq – let’s you pay many bills with a credit card for a flat 2.85% fee. Although not a money-maker on a regular basis, this can be a easy way to meet the Minimum Spend Requirement (MSR) on a new credit card and earn the signup bonus (SUB). They also run periodic promotions which can be money-makers.

Money Tracking

Personal Capital – much better than Mint for managing multiple investment accounts (401k, IRA, HSA, brokerage, etc.) that gives you a complete picture of your net worth, investment performance, sector allocation, fees (expense ratios), and even tells you how you should adjust your portfolio based on your risk tolerance.

Local Love

Pablo’s Coffee – my favorite local coffee roaster here in Denver