10% 9.5% 9% 8.5% 8% 7.5% 7% 6.5% 6%

5.5% 5% 4.5% 4% 3.5% 3% 2.5% 2% 1.5% 1%

15% - Good 16% - Great 17% - Excellent Tip

1.00% 1.85% 1.90% 2.16% - APY

Select Tip 15% - Good 16% - Great 17% - Excellent

• Top Credit Cards
• Great Credit Cards to get
• Other Credit Cards
• Business Credit Cards
• Store Credit Cards
• Small Banks Credit Cards
• Debit Cards and Checking
• Savings Accounts
• Investor Accounts
• Need to Add

Top Credit Cards

1. BoA Cash Rewards - World MC - [Categories]
   - 3% Online Shopping, Gas, Dining, Travel, Drugstores, Home Improvement and Furnishings
   - 3% and 2% Groceries, Wholesale Clubs - ($2,500 x 4 Limit | $75 / $50 | $300 / $200)
   - 1% All
   - 0% intro APR for 12 months
   - Welcome Bonus $200 after you spend $500
   
   • - Price Protection
     - Purchase Protection (120 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1 years)
     - Master RoadAssist (1-800-MC-ASSIST)
     - Auto Rental Collision Damage Waiver
     - Travel Accident Insurance
     - Trip Cancellation / Trip Interruption Insurance
     - Master Trip Travel Assistance
     - Travel Services Medical Assistance
     - Identity Theft Resolution
2. Chase Freedom - Visa - [Calendar] - [Categories]
   - 5% in
   Categories Wal-mart / PayPal
   - ($1,500 x 4 Limit | $75 Q | $300 Y)
   - 1% All
   - 0% intro APR for 15 months
   - Welcome Bonus $150 after you spend $500
   
   • - Purchase Protection (120 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-3 years)
     - Roadside Dispatch (1-800-847-2869)
     - Auto Rental Collision Damage Waiver
     - Trip Cancellation / Trip Interruption Insurance
     - Travel and Emergency Assistance
3. USBank Cash+ - Visa S - [Categories] - [Examples]
   - 5% Fast Food / Cell Phone Providers - ($2,000 x 4 Limit | $100 Q | $400 Y )
   - 2% Restaurants / Groceries / Gas - (Unlimited)
   - 1% All
   - Welcome Bonus $150 after you spend $500
   
   • - Purchase Protection (90 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-3 years)
     - Roadside Dispatch (1-800-847-2869)
     - Auto Rental Collision Damage Waiver
     - Travel and Emergency Assistance Services
     - Visa Signature® Luxury Hotel Collection
     - Visa Signature® Concierge Service, Purchase Security, Event Access, Offers, and Discounts
4. Chase Freedom Unlimited - Visa - [Apply]
   - 1.5% All Unlimted
   - 3% Dinning, Drugstore
   - 5% Travel purchased through Chase UR
   - 0% intro APR for 15 months
   - Welcome Bonus $150 after you spend $500
   
   • - Purchase Protection (120 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-3 years)
     - Roadside Dispatch (1-800-847-2869)
     - Auto Rental Collision Damage Waiver
     - Trip Cancellation / Trip Interruption Insurance
     - Travel and Emergency Assistance
5. Amex Blue Cash Everyday - [Categories] - [Apply]
   - 3% Groceries - ($1,500 x 4 Limit | $45 Q | $180 Y)
   - 2% Gas, Department Stores
   - 1% All
   - 0% intro APR for 15 months and after APR 14.74% to 25.74%
   - Welcome Bonus $250 after you spend $1,000
   
   • - Return Protection (90 Days up to $300 per item and $1k per year)
     - Purchase Protection (120 Days up to $1,000 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-5 years)
     - Roadside Dispatch (1-855-431-1156)
     - Car Rental Loss & Damage Insurance
     - Relationship Care (1-800-528-4800)
     - Global Assist Hotline (1-800-333-AMEX)
     - Membership Experiences
     - ShopRunner works with Newegg and Staples and Calvin Klein
     
6. Amazon Rewards - Visa S
   - 5% Prime or 3% non-Prime Amazon, Whole Foods Market
   - 2% Gas, Restaurants, Drugstores
   - 1% All
   - Unlimted no caps on earning cash back
   - No Foreign Transaction Fee
   - Welcome Bonus $50-70 Amazon Gift Card
   
   • - Purchase Protection (120 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-3 years)
     - Roadside Dispatch (1-800-847-2869)
     - Auto Rental Collision Damage Waiver
     - Travel Accident Insurance
     - Travel and Emergency Assistance
     - Lost Luggage Reimbursement
     - Baggage Delay Insurance
     - Visa Signature® Luxury Hotel Collection
     - Visa Signature® Concierge Service
7. Capital One Savor One - World Elite MC - [Apply]
   - 3% Groceries, Dining, Entertainment, Streaming
   - 1% All
   - Price Protection
   - Unlimted no caps on earning cash back
   - No Foreign Transaction Fee
   - Welcome Bonus $150 after you spend $500
   
   • - Need Edit
     - Purchase Protection (120 Days up to $500 per claim and $50k per account)
     - Extended Warranty Protection (U.S. manufacturer’s 1-3 years)
     - Roadside Dispatch (1-800-847-2869)
     - Auto Rental Collision Damage Waiver
     - Travel Accident Insurance
     - Travel and Emergency Assistance
     - Lost Luggage Reimbursement
     - Baggage Delay Insurance
     - 24/7 Concierge Service
     - World Elite Hotels & Resorts Portfolio
     - World Elite Air Program
     - World Elite Car Rental Program
8. PayPal Cashback - MC - -1906 Days left!
   - 2% All
   - Extended protection on purchases made via PayPal
   - Promotional financing and deferred interest offers
   - No Foreign Transaction Fee
   - Redeem rewards any Amount and Never Expires
   - Welcome Bonus $100 after you spend $1,000 (Ends on 10-5-19)
9. Uber - Visa
   - 5% Uber Rides, Uber Eats, JUMP bikes and Scooters
   - 3% Restaurants, Bars, Hotal, Airfare, Travel Agencies
   - 1% All
   - Unlimted no caps on earning cash back
   - No Foreign Transaction Fee
   - $600 Mobile Phone Protection
   - Welcome Bonus $100 after you spend $500
   - Cons: Redemptions start at $5 for Uber credits and all other start at $25
10. Discover It - [Calendar] - [Apply]
    - 5% in Categories ($1,500 x 4 Limit | $75 Q | $300 Y)
    - 1% All
    - 0% intro APR for 14 months and after APR 13.74% to 24.74%
    - Cashback Match
    - Price Protection
    - No Foreign Transaction Fee
    - Welcome Bonus $50 + $50
    - Redeem rewards any Amount and Never Expires
    - Free Social Security alerts
11. Wells Fargo Propel - Amex
    - 3X Gas, Dining, Rideshares, Transit, Flights, Hotels, Homestays, Car Rentals, Streaming Services
    - 1X All
    - $600 Mobile Phone Protection
    - Unlimted no caps on earning cash back
    - No Foreign Transaction Fee
    - Free EX FICO 9 Score
    - 0% intro APR for 12 months
    - Welcome Bonus 20K points after you spend $1,000 ($200)
    - $200 for Statement Credit (1 Cent) or $300 for Travel (1.5 Cent)
12. US Bank Altitude Go - Visa S
    - 4X Restaurants, Fast Food, Takeout, Food Delivery
    - 2X Groceries & Delivery, Gas, Streaming Services
    - 1X All
    - Unlimted no caps on earning cash back
    - No Foreign Transaction Fee
    - 0% intro APR for 12 months
    - $15 streaming service credit
    - Welcome Bonus $250 points after you spend $1,000
13. BBVA ClearPoints - Visa
    - 3X Gas, Grocery, Business, Retail, Maintenance, Travel, Dining, Health Care, Utilities, Entertainment
    - 2X
    - 1X All
    - Unlimted no caps on earning cash back
    - 0% intro APR for 13 months
    - Welcome Bonus $100 after you spend $1,500 in 3 Months
    
14. Citi Rewards+ - MC
    - 2x Supermarkets / Gas (6K per Year)
    - 1x All
    - Rounds up to the nearest 10 points. A $2 coffee earns 10 points
    - 10% Points Back for the first 100k you redeem per year
    - 0% intro APR for 15 months
    - Welcome Bonus 15,000 ThankYou Points after you spend $1,000 ($75 Cashback or $150 GiftCards)
    - Point Worth: 1.25 cent Travel, 1 cent GiftCards, 0.5 cent statement credit, 0.8 Amazon
15. Citi Custom Cash Card - MC
    - 5% in Categories ($1,500 x 4 Limit | $75 Q | $300 Y)
    - 1% All
    - 0% intro APR for 14 months and after APR 13.74% to 24.74%
    - Citi Private Pass
    - Free Equifax FICO Score
    - Welcome Bonus $200 after you spend $750
    - Cons: $25 min redemption, Expire after 12 months
16. Wells Fargo Active Cash - VS
    - 2% All
    - 0% intro APR for 15 months and after APR 14.99% to 24.99%
    - Unlimted no caps on earning cash back
    - $600 Mobile Phone Protection
    - Welcome Bonus $200 after you spend $1,000

Great Credit Cards to get

1. Venmo - Synchrony Bank - Visa
   Categories
   Bills & Utilities, Gas, Dining & Nightlife, Grocery, Health & Beauty, Entertainment, Travel, Transportation, and Other
   - 3% on top spend category
   - 2% on the next
   - 1% on the rest
   - No foreign transaction fee
   - Your Venmo QR Code on card
2. SoFi - Bank of Missouri - WEMC
   - 2% All
   - 1% reduction in APR after 12 consecutive on-time card payments
   - No foreign transaction fee
   - Cell phone protection up to 1k
   - Need SoFi Money or Invest account to redeem at a rate of 1 cent per point, else 0.5
3. Citi Double Cash Card - MC - [Bonus Link] - [Bonus Link 2]
   - 2% All
   - Citi Private Pass
   - Free Equifax FICO Score
   - Welcome Bonus $150 after you spend $500
   - Cons: $25 min redemption, Expire after 12 months
4. PNC Cash Rewards - Visa
   - 4% Gas
   - 3% Dining
   - 2% Grocery store
   - 1% All
   - Welcome Bonus $100 after you spend $1,000
5. Amex Cash Magnet
   - 1.5% All
   - 0% intro APR for 15 months
   - Welcome Bonus $200 after you spend $1,000 in 3 Months
   - $250 with Friend Referral offer
6. Chase Freedom Flex - MC - [Calendar] - [Categories] - [Apply]
   - 5% in Categories
   - 3% Dinning, Drugstore
   - 5% Travel purchased through Chase UR
   - 1% All
   - $800 Cell Phone Protection
   - 0% intro APR for 15 months
   - Welcome Bonus $200 after you spend $500, and 5% on Groceries up to 12k spent in the first year.

Store / Credit Cards

1. Sam's Club - MC
   - 5% Gas (6K a Year)
   - 3% Dining & Travel
   - No Foreign transaction fees
   - $40 - $100 Membership Fee
   - Cashback for Sam's club only
2. Walmart - MC
   - 5% Walmart.com & Walmart app, Grocery Pickup and Delivery
   - 2% Walmart stores, Walmart & Murphy Gas
   - 2% Restaurants and Travel
   - 1% All
   - No Foreign transaction fees
   - Intro Offer: 5% Walmart in store with Walmart Pay for the first 12 months
3. eBay - MS
   - 5% eBay (1K)
   - 3% eBay (1K)
   - 2% Gas, Restaurant, & Groceries
4. Rakuten Cash Back Visa
   - 3%
5. My Best Buy - Visa
   - 5%
   
6. Target REDcard
   - 5% with Credit Card or Debit Card
   
7. Gas Buddy

Business Cards

1. Amex Blue Business Cash
   - 2% on all up to $50K a year
   - 1% All
   - 0% intro APR for 12 Months
   - Welcome Bonus $250 after you spend $5,000 in 6mos
   
2. Amex Blue Business Plus - [Points Value Calculator]
   - [Offer]
   - 2X on all up to $50K a year
   - 1X All
   - 0% intro APR for 12 Months - Welcome Bonus 10k MR after you spend $3,000
   ($60 Statement Credit or $50-$100 GiftCards)
   
3. Ink Business Cash - Visa SB
   - 5% Office Supply Stores / Internet / Cable / Phone
   - 2% Gas / Restaurants, 1% All
   - Visa Signature $5,000 Minimum Credit Limit
   - Welcome Bonus $500 after you spend $3,000
   - APR: 14.99%–20.99%
4. Capital One Spark Classic for Business - Visa
   - Unlimited 1% All
   - No Foreign Transaction Fee
5. Amazon Prime Business Amex
   - 5% Amazon, Whole Foods, Amazon Business, AWS
   - 2% Restaurants, Gas
   - No foreign transaction fee
   - Welcome Bonus $125 Amazon Gift Credit

Other Options

1. Chase Sapphire Preferred - Visa S
   - 2X points on travel / dining, 1X All
   - No Foreign Transaction Fee
   - 25% more in travel redemption
   - Visa Signature $5,000 Minimum Credit Limit
   - Welcome Bonus 50,000 points after you spend $4,000
   - AF waived for the first year, after that $95
2. Amex EveryDay - [Referral Offer] - [Browser Gift Cards]
   - 2X Groceries - ($1,500 x 4 Limit | 30P Q | 120P Y)
   - 1X All
   - Make 20+ Purchases and Earn 20% Extra Points
   - Welcome Bonus 25k Points after you spend $2,000 in 3 Months
   - Cons: 0.6 for Statement Credit and 0.5 - 1.0 Gift Cards
3. Alliant Cashback - Visa S
   - 3% in the First Year
   - 2.5% All
   - No foreign transaction fee
   - APR 11.99% to 14.99%
   - Worth it if Spend $1,100+ a month
   - AF waived for the first year, after that $59
4. Capital One Venture One - Visa S
   - 1.25 Miles All
   - Earn 10x miles at hotels.com/venture
   - No Foreign Transaction Fee
   - Visa Signature $5,000 Minimum Credit Limit
   - Welcome Bonus 20K miles after you spend $1,000
   - Cons: 0.5 for Cashback
5. Capital One Quicksilver - Visa S
   - 1.5%
   - No Foreign Transaction Fee
   - Visa Signature $5,000 Minimum Credit Limit
   - Welcome Bonus $150 after you spend $500
6. HSBC Cash Rewards - MC
   - 1.5% All
   - 10% for all Cash Rewards earned each year
   - 1.65% All by the end the year
   - No Foreign Transaction Fee
   - Free Equifax FICO Score
   - $600 Mobile Phone Protection
   - Shoprunner, Postmates, Contactless, Fraud Protection
   - 0% intro APR for 12 months
   - Welcome Bonus earn 3% in the first 12 months (10k cap)
   - Con: Maybe Low SCL
   
7. Fidelity Rewards - Visa S
   - 2% All
   - Visa Signature $5,000 Minimum Credit Limit
   
8. Wells Fargo Cash Wise - Visa
   - 1.5% All
   - 1.8% using Mobile Wallets in the First Year
   - Welcome Bonus $200 after you spend $1,000
9. Hilton Honors Card - Amex - [Bonus Link] - [Referral Offer]
   - 7X Hotel / Resort
   - 5X Restaurants / Supermarkets / Gas
   - 3X All
   - No Foreign Transaction Fee
   - Welcome Bonus $50 + 75K points after you spend $1,000 (about $425)
   - 100k with Friend Referral offer
10. Marvel Mastercard
    - 3% Dining / Select Entertainment / Online at Marvel.com
    - 1% All
11. PenFed Platinum Rewards - Visa S
    - 5X Gas
    - 3X Groceries
    - 1x All
    - Visa Signature $5,000 Minimum Credit Limit
    - Welcome Bonus $100 after you spend $1,500
12. Deserve Pro - MC
    - 3% Travel / Entertainment / Vacation Home Rentals / Ridesharing, 2% Restaurants, 1% All
    - No Foreign Transaction Fee
13. BoA Travel Rewards - Visa S
    - 1.5X All
    - Redeem limited to statement credit towards Travel
    - No Foreign Transaction Fee
    - Visa Signature $5,000 Minimum Credit Limit
    - Welcome Bonus 20K-25K points after you spend $1,000
14. Barclaycard Arrival+ - World Elite MC
    - 2X All
    - No Foreign Transaction Fee
    - Price Protection
    - Welcome Bonus 60,000 miles after you spend $5,000
    - AF waived for the first year, after that $89
15. Barclays JetBlue - MC
    - 3X JetBlue Purchases
    - 2X Restaurants / Groceries
    - 1X All
    - No Foreign Transaction Fee
    - Welcome Bonus 10K points after you spend $1,000
16. BB&T Spectrum Cash Rewards - Visa
    - 3% Gas, 2% Utilities / Groceries (1K monthly Cap)
    - 1% All
    - 0% intro APR for 12 months
    
17. Nusenda - Visa
    - 5% cash back on purchases in quarterly rotating categories
    - Earn 1% cash back on all purchasesm
    - APR: 12.75% - 14.75%
18. Ducks Unlimited - Visa - [Ducks.org]
    - 1.5% All
19. Citi Dividend (Only Available Via Product Change)
    - 5% in Categories ($300 a year)
    - 1% All
20. Chase Slate - Visa
    - Low intro balance transfer offer
    - 0% intro APR for 15 months
    - Purchase Protection
    - Free EX FICO Score
21. Citi ThankYou Preferred - MC - [Link 2] - [Redeem ThankYou Points]
    - 2X Dining Out / Entertainment, 1X All
22. US Bank Cash 365 - Amex
    - 1.5% All
    - Best Value Guarantee
    - Return Protection
    - Entertainment Access
    - 0% APR on Balance Transfers for 12 months
    - Welcome Bonus $150 after you spend $500

Small Banks Credit Cards

1. TD Bank Cash - Visa
   
2. Visit US CC Guide Site to View More
   

Debit Card Options

1. HSBC Direct Checking
   - Free US ATMs
   - No monthly fees
   - No paper checks
   - Optional overdraft protection
   - 0.01% APY
2. CitBank eChecking
   - No Monthly Fees
   - $30 ATM fees Reimbursed per month
   - 0.10% APY
   - 0.25% APY with $25K+
   - $100 to Open
3. Charles Schwab Bank High Yield Investor Checking - [Apply]
   - Earn interest each month just by having money in the bank
   - 0.35% APY
   - Unlimited ATM fee rebates worldwide
   - $100 SUB
   - Minimum Deposit: $1,000
   - Cons: HP EQ
   - No foreign transaction fees
   
4. Arrowhead Checking - Visa
   - Minimum Deposit: $25
   - One time Membership fee: $5
   - Maintain Balance: $0
   - Free Checks
   - Personalized checks and unlimited check writing
   - Same Day ACH
   - Free Bill Pay
   - *Maybe Zero Liability, Chat Live
5. UnionBank - Checking Bank Freely - Visa
   - Minimum Deposit: $0
   - Maintain Balance: $0
   - Free Bill Pay
   - Two rebates for non-Union Bank ATM fees per statement period.
6. BBVA Checking Free- Visa
   - Minimum Deposit: $25
   - Free Unlimited Check Writing, But no Free Checks
   - Personalized Debit Card for $10
   - Zero Liability
7. Discover Cashback Checking
   - 1% All
   - Free Allpoint and MoneyPass ATMs, also No Foreign ATMs fees
   - Free 150 Checks
   - No Foreign Transaction Fee
   - Zero Liability, Chat Live
8. Capital One 360 Checking - MC
   - Earn interest each month just by having money in the bank
   - APY: 0.20% / 0.75% / 1.00%
   - 0.20% for low balances
   - $50k or more for 0.75% APY
   - $100k or more for 1.00% APY
   - Free Allpoint ATMs, also No Foreign ATMs fees
   - Free 50 Checks
   - No Foreign Transaction Fee
   - Zero Liability, Chat Live
9. Bluebird - Amex
   - Free Deposit via Direct Deposit, Walmart, Online, Mobile Check Capture
   - Free MoneyPass ATMs
   - Bill Pay
   - Send Money Between Bluebird Accounts
   - Can link a Debit Card but not a Bank Account
   - No Foreign Exchange Fee
   - Zero Liability
10. Square Cash Debit Card - Visa - [Pay Me] - [Refer XKWDLCJ]
    - Boost Offers
    - $1 - Subway
    - $1 - Coffee Shops
    - 10% - Panda Express *new
    - 10% - Domino's *new
    - 10% - Wendy's *new
    - 10% - Chipotle
    - 10% - Chick-fil-A
    - 10% - Whole Foods
    - 10% - Shake Shack
    - 10% - Dairy Queen
    - Try the Cash App using my code, and we'll both get $5 when you send $5. Promo Code: XKWDLCJ
11. Venmo - MS
    - Free MoneyPass, Mastercard, Cirrus, PULSE ATMs
    - Backup funds, automatically pulls from your selected bank account
    - Contactless
    
12. Robinhood Checking & Savings - MS - [Apply]
    - 3% APY
    - Free Allpoint ATMs
    - No Foreign Exchange Fee
    
13. Alliant Free Checking - Visa
    - Free Allpoint ATMs
    
14. Ally Interest Checking - MC
    - Earn interest each month just by having money in the bank
    - APY: 0.10% or 0.60%
    - 0.10% for low balances
    - $15k or more for 0.60% APY
    
15. Simple - Visa
    - Free Allpoint ATMs
    - 2.02% APY
    
16. Chime - Visa - [Apply]
    - Free MoneyPass, Visa Plus Alliance ATMs
    - No foreign transaction fees
    - $50 Bonus
17. Cash Management Solutions
18. Finn by Chase - Visa - [Apply]
    - Free Allpoint ATMs
    - No monthly fees
    - $100 SUB
19. Wells Fargo Everyday Checking
20. US Bank Easy Checking

Savings Account Options

1. HSBC Direct Savings
   - No monthly fees
   - 1.70% APY
2. Marcus by Goldman Sachs - High-Yield Online Savings
   - No monthly fees
   - 1.55% APY
3. Betterment Everyday
   - No monthly fees
   - 2.38% APY - (old 2.69%)
   - Minimum Deposit: $10
   - FDIC insured up to $1 million
   - Visa Debit Card Coming Soon
   - ATM fees Reimbursed Worldwide
4. WealthFront
   - No monthly fees
   - 2.32% APY - (old 2.57%)
   - Minimum Deposit: $1
   - Unlimited, free transfers
   - FDIC insured up to $1 million
   - No Debit Card
5. Varo Checking and Savings
   - No monthly fees
   - 2.12% APY
   - 2.80% for $50k+
   - Minimum Deposit: $0
   - Visa Debit Card
   - No ATM fees at 55,000+ Allpoint® ATMs worldwide
   - No Foreign Transaction fees
6. SoFi Money - [Apply]
   - No monthly fees
   - 2.00% APY - (old 2.25%)
   - Minimum Deposit: $0
   - FDIC insured up to $1.5 million
   - Visa Debit Card
   - ATM fees Reimbursed Worldwide
   - No Foreign Transaction fees
   - Financial Advisors
   - Referral Program
   - Welcome Bonus $50
7. CIBC U.S. Agility Online Savings Account
   - No monthly fees
   - 2.39%
   - Minimum $1,000 Deposit for APY
8. Amex Personal Savings
   - No monthly fees
   - 2.10% Fixed APY
9. Ally Online Savings Account
   - No monthly fees
   - 2.00% Fixed APY
10. Discover Online Savings Account
    - No monthly fees
    - 2.00%
11. Barclaysus Online Savings Account
    - No monthly fees
    - 2.05%
12. Alliant High-Rate Savings
    - No monthly fees
    - 2.00%
13. Capital One 360 Savings
    - No monthly fees
    - 1.00% Fixed APY
14. Synchrony High Yield Savings
    - No monthly fees
    - 2.05%

Investor Account Options

1. Charles Schwab
   
2. TD Ameritrade
   
3. Fidelity
   

Need to Add

1. US Bank Altitude Reserve
   
2. Amex Platinum
   - 5x Flights / Hotels
   - 1x All
3. Amex Gold
   - 4X US Supermarkets $25K Cap
   - 4X US Restaurants
   - 3X Flights
   - 1X All
4. U.S. Bank Biz
5. Schwab Credit Cards
6. X1 - Visa S
   - 2x All
   - 3x When you spend 15k in a year
   - 4x Unlock each friend you invite
7. Rakuten Cash Back - Visa
   - 3% shop via Rakuten
   - 1% All
   - Price Protection and Return Protection
   - $10 First Purchase Bonus
8. Tomo, Petal, Zero, Vital
   
9. ABOC Platinum Rewards - MC
   
10. BlockFi Bitcoin Rewards
    
11. Ollo Optimum
    
12. Penfed
    
13. Wells Fargo Active Cash