Hand-picked apps and platforms we actually use. Each card spells out what it is and what you get when you join through these links.
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Open an account and get free stock after your first investment
Commission-free stock and ETF trading in a simple app — built for long-term investing, not day-trading noise. Use this link so new accounts can receive free stock worth up to $200 after funding and making a first investment.
We’ll both get a free trade worth up to $2,000
We’ll both get a free trade worth up to $2,000 when you join Robinhood and sign up for prediction markets with this link. 🎁 New users open a Robinhood account, complete Prediction Markets signup, and both sides can earn the welcome trade reward.
Offer terms set by Robinhood. Typically requires a new U.S. account, a Robinhood Derivatives account, and completing the Prediction Markets learning experience. Reward amounts and eligibility can change. Event contracts involve risk of loss. 18+.
Automated investing + cash — with a temporary APY boost and deposit match
Set-it-and-forget-it investing plus a high-yield Cash Account in one place. Sign up through this referral and you can both unlock a limited-time +0.75% APY boost on cash, a 0.50% investing deposit match, or both.
Base APY as of 7/24/26 and subject to change. Offer terms set by Wealthfront.
Deposit and unlock free NVDA stock plus promo cash APY
Serious charts, research tools, and $0 commission U.S. stock trading. Sign up with this link to access the current welcome offer — deposit tiers can unlock free NVIDIA stock (from $30 at $500 deposited, up to $1,000 at higher levels) plus promotional APY on uninvested cash.
Welcome / referral terms set by Moomoo Financial Inc. Deposit thresholds, stock values, and APY rates change — check current offer on sign-up. Investing involves risk.
CFTC-regulated event contracts — trade on real-world outcomes
Kalshi is a regulated U.S. exchange for event contracts (elections, economics, weather, sports milestones, and more). Sign up through this referral link. New users who complete a small qualifying trade (often around $25 within about a week) can unlock a trading credit — amounts vary and are sometimes advertised up to $500. Prefer Perps? Use the Perps signup path below — same referral.
Event contracts and perps involve risk of loss. Bonus amounts and qualifying trade rules vary and are set by Kalshi. Not available in all U.S. states. Credits are typically for trading, not cash withdrawal. 18+.
See every dollar in one place — half off your first year of Core
All-in-one money app for spending, budgets, net worth, investments, and shared household finances. Use this referral to get 50% off your first year of Core — clear stewardship without the spreadsheet chaos.
Discount applies to first year of Core subscription per Monarch’s referral terms. Offer subject to change.
Buy crypto the trusted way — pick the path that fits you
One of the most established U.S. crypto platforms. New users on the standard app can get $20 in Bitcoin after a qualifying first transaction. More active traders can use Coinbase Advanced and earn up to $50 in USDC based on volume in the first 14 days.
Limited-time offers. New customers only; must complete qualifying activity. Advanced rewards based on trading volume in first 14 days. Terms set by Coinbase; rewards not guaranteed.
Regulated U.S. exchange — earn $50 crypto when you qualify
Full-reserve crypto exchange from the Winklevoss twins with a strong regulatory focus. Sign up through this link and claim an extra $50 in crypto when you’re approved for the Gemini Credit Card or trade at least $100.
Offer requires signup via referral and either Gemini Credit Card approval or $100+ in trades. Card referral: extra $50 after approval and a qualifying first-cycle purchase. Terms set by Gemini; crypto rewards and eligibility can change.
Apply with this referral and get an extra $50 in crypto
Use this referral code to sign up for the Gemini Credit Card and get an extra $50 in crypto. Crypto rewards on everyday spend, no annual fee. Check the offer and benefits on the application page.
Referral terms set by Gemini. Referee must be approved and complete a qualifying purchase in the first billing cycle. Crypto rewards and eligibility can change. Issued by WebBank. Approval not guaranteed.
Apply via referral and we could both earn rewards if you are approved
Use this American Express Platinum referral link to review current welcome offers and Card benefits. If you apply through the link and are approved for a Card, we could both earn rewards. Offers vary and are shown on the Amex application page.
Referral terms set by American Express. Welcome offers, credits, and annual fees vary and can change. Approval not guaranteed. See the Amex application page for current details and eligibility.
Business cash-back card — $250 statement credit + ongoing 2%
American Express Blue Business Cash: spend $5,000 in qualifying purchases within the first 6 months and get a $250 statement credit. After that, earn 2% cash back on the first $50,000 of eligible purchases each calendar year (then 1%). No annual fee. Apply through this referral link and we can both earn rewards if you are approved.
Referral terms set by American Express. Approval not guaranteed. Welcome offer requires $5,000 in qualifying purchases within first 6 months of Card Membership. Offers and rates subject to change. See Amex site for current details and eligibility.
Amazon Gift Card instantly upon approval — rewards on Amazon & everyday spend
Chase Amazon Visa: get an Amazon Gift Card instantly upon approval (no minimum spend for the welcome gift card). Earn elevated rewards at Amazon, Whole Foods, and other everyday categories. No annual fee. Apply through this referral link and we can both benefit if you are approved.
Welcome gift card amount varies by offer and Prime status (commonly $50 standard / higher for Prime Visa). Approval not guaranteed. Rates, fees, and terms set by Chase / Amazon and subject to change.
Earn 100,000 bonus points on Sapphire Reserve or Preferred
Apply for Chase Sapphire Reserve or Sapphire Preferred through this referral and earn 100,000 bonus Ultimate Rewards points when you meet the welcome offer on either card. Premium travel and everyday value for families protecting FI margin. We can both be rewarded if you are approved.
Welcome offer amounts and spend requirements vary by card and are shown at application. Annual fees apply (Reserve is premium-priced; Preferred is lower). Approval not guaranteed. Chase 5/24 rule may apply. See Chase site for current rates, fees, and full terms.
Choose Boundless, Bold, or another Marriott Bonvoy card — strong welcome bonuses
Apply for a Chase Marriott Bonvoy credit card through this referral and pick the one that fits your travel and spend. The Boundless card currently offers 125,000 bonus points plus a Free Night Award (valued up to 50,000 points) after $3,000 in purchases within 3 months. The Bold card is $0 annual fee with 60,000 points after $1,000 spend. We can both earn rewards if you are approved.
Offers vary by card and are subject to change. Boundless annual fee $95. Approval not guaranteed. Chase 5/24 rule may apply. See Chase site for current rates, fees, and full terms.
Extra cash back on Rakuten shopping — stack portal + card
The Rakuten Rewards American Express Card (Imprint) has no annual fee and pays extra cash back when you shop through Rakuten — on top of the portal rates you already earn. Apply through this referral link; if you are approved, we can both benefit. Welcome offer and rates are shown at application and can change.
Issued by First Electronic Bank via Imprint. Approval not guaranteed. Welcome bonus, cash-back rates, and caps are set by Rakuten/Imprint and subject to change — check the application page for current terms.
Get the Venmo Debit Card and earn $10 after $50 in 30 days
Get $10 when you get the Venmo Debit Card and spend $50 within 30 days. Terms apply. Use this link to start.
Offer requires getting the Venmo Debit Card and spending $50 within 30 days. Terms set by Venmo / PayPal and subject to change.
Split bills and send money — both of you can earn $5
The go-to app for splitting dinner, gifts, and everyday transfers with friends and family. Sign up with this link, complete a qualifying $5+ payment from a linked bank or card, and both of you can earn a $5 reward.
Signup reward requires this referral link and a qualifying personal payment of $5+ using a linked funding source. Debit card offer: $10 after $50 spend in 30 days. Terms: https://payp.al/ref — offers subject to change.
Send $5+ after signup and get $5 back
Instant mobile payments, optional debit card, and light investing tools in one app. Create your account with code 42DKBR2 (or this link), send $5 or more, and get $5 — simple and fast.
Offer requires new account via referral and a qualifying send of $5+. Terms apply and may change.
Fee-friendly mobile banking — earn $100 when you qualify
Checking and savings without monthly fees, plus early direct deposit on eligible paychecks. Sign up through this link and get $100 when you complete Chime current qualifying steps (terms apply).
Bonus requires qualifying activity per Chime current referral terms. Offer subject to change.
Make giving a habit — $25 added for charity on your first gift
A modern donor-advised fund for everyday families, not just the ultra-wealthy. Give to nearly any U.S. nonprofit, involve your spouse and kids, and build generosity into your FI plan. Join with this invite and get $25 for charity after Daffy receives your first contribution.
Reward credits to your Daffy charitable account after first contribution. See Daffy referral terms. Offer subject to change.
Stop overpaying for wireless — free up cash for FI and family
Mint Mobile offers simple, affordable plans on a major network. Switch and stop spending so much on your wireless bill. Use this referral link to get $15 in renewal credit, then put the ongoing savings toward investing, tithing, or family priorities.
Referral credit appears after activation (typically ~15 days). Offer terms set by Mint Mobile. Availability and plan pricing subject to change.
Buy used deals or sell clutter — simple side hustle and frugal shopping
Mercari is an easy marketplace to buy gently used items at a discount or sell what your family no longer needs. Great for stretching the household budget and turning unused stuff into FI cash. Sign up with code DMBTWC and get up to $20 when you get started.
Bonus terms set by Mercari. Amount and eligibility can vary. Use code DMBTWC at signup when prompted.
AI coupons + cashback at 30,000+ stores — $10 to start
Minty is an AI shopping companion that automatically finds coupons and earns cashback while you shop online. New users get a $10 cashback bonus when they get started through this link.
Bonus terms set by Minty. Cashback payouts subject to merchant confirmation and Minty’s terms.
Organic groceries at wholesale prices — 40% off first order
Thrive Market is a membership grocery store for organic, non-GMO, and sustainable food & household products at wholesale prices. Friends get 40% off their first order; after they stay an annual member for 30+ days you earn $40 Thrive Cash.
Offer terms set by Thrive Market. $40 Thrive Cash for the referrer after the new member remains an annual member for 30+ days. Membership and discount details subject to change.
Shop through Kudos, earn cashback, unlock $20 with code Super_FI
Cashback portal and browser extension that routes affiliate commissions back to you. Sign up with code Super_FI, then make a $30+ purchase at a Kudos Boost merchant to unlock the $20 referral bonus (merchant confirmation can take 60–120 days).
Bonus issues after merchant confirms the qualifying Boost purchase (often 60–120 days). $30 minimum cashout typically applies. Terms set by Kudos.
Cash back at thousands of stores — plus a signup bonus after you shop
One of the most reliable cash-back portals for Amazon, Target, hotels, and more. Join through this link; new members who make a qualifying purchase (often around $50 within 90 days — amount varies by promo) can earn a signup bonus paid as real cash or gift cards.
Bonus amount and spend requirement vary by promotion and are shown at signup. New members only. Terms set by Rakuten.
Never miss a coupon code — automatic savings at checkout
Free browser extension and app that finds coupon codes, tracks prices, and unlocks Capital One Shopping rewards. Install through this referral link and stack it with portals like Rakuten for everyday online savings.
Referral and signup bonuses vary by promotion. Terms set by Capital One Shopping.
PayPal’s coupon tool — auto-apply codes and earn rewards
Honey (a PayPal service) tests working coupon codes at checkout and can earn Honey Gold on eligible purchases. Install free through this link and let it work while you shop the stores you already use.
Honey is a PayPal service. Rewards and coupon availability vary by store. Terms set by Honey / PayPal.
Snap any receipt, earn gift cards — we both get a bonus
Point your phone at grocery, gas, or online order receipts and turn them into gift-card points. 6M+ five-star reviews and $1B+ in points awarded. Sign up with this link (code QQGAF3) and both of you get a bonus when you scan your first receipt.
Referral bonus requires signup via link and scanning a first receipt. Terms set by Fetch Rewards.
Everyday cash back for college and gift cards — $3 bonus when you earn $3
Upromise is a cash-back rewards program built around college savings: earn a little extra on shopping, dining, and offers, then send it to a 529, bank account, or gift card. Join through this referral link and get a $3 bonus this month when you earn $3 — $6 toward the gift card of your choice.
Referral promo: earn $3 this month after signing up via this link to receive an extra $3 bonus. Standard Upromise terms also include a $25 referrer bonus when a referred member earns $25 in qualified rewards within 180 days. Offers and redemption options set by Upromise and subject to change.
Dine out smarter — rewards at thousands of restaurants
Restaurant rewards app with up to about 20% back at participating spots nationwide. New guests often see a promo such as $25 off a $50+ meal — check the current offer when you join through this link, and stack it with your dining credit card when you can.
Promos and reward rates vary by market and restaurant. Terms set by inKind.
Discover local spots — get $10 when you make your first purchase
Find restaurants and experiences nearby, link your card, and earn cash back when you dine — no special checkout process. Sign up through this link and get $10 when you make your first purchase.
Referral reward of $10 after first qualifying purchase. Cash-back rates vary by market. Terms set by Franki.
Bibles, prayer books, and sacramentals — $10 off your first $70+ order
The Catholic Company is a trusted source for Catholic Bibles, books, rosaries, medals, and gifts for the home. Use this referral link so new customers get $10 off their first purchase of $70 or more — practical for stocking a family prayer corner or gifting formation without overspending.
Referral offer: $10 off first purchase of $70+. Terms set by The Catholic Company and subject to change. Affiliate / referral disclosure applies.
Protect your family’s privacy online — free months when you start a plan
Fast, unlimited-device VPN for secure browsing, safer public Wi-Fi, and extra privacy for the whole household. Sign up through this friend link and get free months added to your plan.
Free months apply to the plan you purchase via this friend link. Offer terms set by Surfshark.
Remove your family’s data from broker sites — friends-only discount
Automated service that finds and removes your personal info from 420+ data brokers and people-search sites (and keeps removing it when it reappears). Use this link for a deep friends-only discount — code GIFTOFPRIVACY is applied at checkout. Family plans cover up to 5 members.
Discount auto-applied via referral code GIFTOFPRIVACY. Offer terms set by Incogni. 30-day money-back guarantee applies.
Private Mail, VPN, Pass & Drive — both get $20 when they go premium
Proton is a privacy suite (Mail, VPN, Pass, Drive, and Unlimited) built for encrypted everyday tools. Refer someone who subscribes to VPN Plus, Mail Plus, Pass Plus, Drive Plus, or Proton Unlimited and you both get a $20 credit. Use this link so new members can join and both of you earn the reward.
Both parties receive $20 credit after the referred user subscribes to a qualifying paid plan. Terms set by Proton; offers subject to change.
Track sleep, recovery, and readiness — 10% off a new ring
Oura Ring is a comfortable smart ring for sleep stages, HRV, recovery, and readiness scores. Useful for triathlon training, recovery between sessions, and broader family health awareness. Use this referral for 10% off a new ring from Oura’s online store.
Discount typically 10% off via Oura Refer a Friend. Cannot always be combined with other promos. Membership (~$6/mo) unlocks full insights. Terms set by Oura.
Get the whole family organized — $40 off your Calendar
Skylight Calendar helps get the whole family organized with chore charts, meal planning, lists, and shared schedules on a simple wall display. Use this link for $40 off your Calendar.
Discount applied via referral link. Offer terms set by Skylight.
Book hotels with rate-drop tracking and extra cash back
Gondola is a hotel booking tool that tracks rate drops and pays extra cash back. Join with this link and we both get $50 after your first booking — a simple way to stretch the family travel budget.
Referral bonus of $50 each requires a qualifying first booking. Terms set by Gondola and subject to change.
Hotels, flights, and Express Deals — $10 off your first app hotel booking
Priceline is a major travel marketplace for hotels, flights, cars, and vacation packages, including Express Deals for extra savings. Download the Priceline app and create an account through this referral link to get $10 off your first qualifying hotel booking in the app.
New users must download the Priceline app and create an account via this link (promo period through 12/31/2026). $10 coupon applies to Hotel Express Deals or qualifying hotel bookings in the app with a $100+ subtotal before taxes/fees, USD only, one-time use, expires 30 days after issuance. Terms set by Priceline and subject to change.
Flexible travel miles — 500 miles instantly on signup
Rove is a flexible travel rewards program: earn miles on shopping, hotels, and flights (often stacking with your existing card rewards), then transfer to airline and hotel partners. Sign up free through this link and get 500 Rove Miles instantly.
Signup bonus of 500 miles for new accounts via referral. Referrer rewards may apply after the new user earns qualifying miles. Terms set by Rove and subject to change.
Become an Airbnb host — get $115 after your first qualifying booking
Start hosting a home on Airbnb through this link. New hosts get an extra $115 after their first qualifying booking within 180 days — a practical way to turn a spare room or vacant space into FI cash.
New host bonus of $115 requires first qualifying booking within 180 days. Terms set by Airbnb and subject to change.
These are affiliate / referral links. If you sign up through them, you often get a bonus and Via Fidelitatis may earn a small commission — at no extra cost to you. We only list tools we would use ourselves on the path to faithful financial independence. Value sort ranks approximate signup / referral bonus potential and may change with offers.