Author Topic: Bank account churning: how to make $1600 in a year by being organized  (Read 305849 times)

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #900 on: November 03, 2021, 07:20:21 AM »
Easy $100 on Doctor of Credit, but you need to do it today: sign up for the Voyager app (some sort of crypto trading app) with a special code and deposit $100, make a trade of at least $10, get $100 of bitcoin.
I did it last night and am still waiting for the bitcoin reward. You can convert it back to cash but have to wait 14 days to move it out of  Voyager.

Just search -voyager- at DoC.
It took a few days but the $100 bitcoin bonus showed. I just left it in Bitcoin since I have to wait two weeks to transfer it out, up $3.40 woohoo I'm making that crypto money ;-)

Michael in ABQ

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #901 on: November 03, 2021, 02:50:39 PM »
Easy $100 on Doctor of Credit, but you need to do it today: sign up for the Voyager app (some sort of crypto trading app) with a special code and deposit $100, make a trade of at least $10, get $100 of bitcoin.
I did it last night and am still waiting for the bitcoin reward. You can convert it back to cash but have to wait 14 days to move it out of  Voyager.

Just search -voyager- at DoC.

Thanks. I gave it a shot. I had a couple hundred bucks sitting in an old bank account so I just bought 0.004 BTC with it. Hopefully the $100 worth of BTC comes through.

Mine showed up a day later and has gained a few dollars since then. I guess I'll be diversified with 0.1% of my portfolio in BTC. If it goes up to $100,000 then it will be 0.2% of my portfolio!

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #902 on: November 05, 2021, 06:45:52 AM »
Another really easy one from Fidelity, open a new account (I chose cash management, aka checking), deposit $50, receive$100 bonus.
Details and promo link at DOC.

Rusted Rose

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #903 on: November 06, 2021, 09:10:10 PM »
Another really easy one from Fidelity, open a new account (I chose cash management, aka checking), deposit $50, receive$100 bonus.
Details and promo link at DOC.

Thanks for posting this. Free money is fab.

elysianfields

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #904 on: November 06, 2021, 11:00:03 PM »
I received the $400 bonus from US Bank (open checking account, deposit $5k).
I did two transfers from a Discover savings account, which worked fine even though according to the fine print it has to be a direct deposit from an employer.
It took about five weeks after I met the requirements for the bonus to post.

Thanks for the data point, I was wondering when to expect the bonus to post.

Update: Just received the $400 from US Bank.  That offer's expired but they often re-run it.

Still working Monifi $250 and also the Fidelity $100 others have mentioned, watching DoC for more.

On the credit card side, I've had a Chase Sapphire Reserve for a bunch of years and I'm thinking of closing it and waiting for a new bonus offer for Sapphire Reserve or Sapphire Preferred.  Do others here have any insights on how to do that most effectively?

I'm a little worried about running afoul of 5/24 as I'm also looking for a 0% / no balance transfer fee card as well.

tj

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #905 on: November 07, 2021, 10:02:29 AM »
I did the 12,000 SB ($120) for Varo. Transfer $26 in, Super easy. I've already scheduled the $26 to go back to my bank account and will eventually close the Varo.

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #906 on: November 08, 2021, 09:24:23 AM »
I did the 12,000 SB ($120) for Varo. Transfer $26 in, Super easy. I've already scheduled the $26 to go back to my bank account and will eventually close the Varo.

Did the Varo, thanks. There's so many offers on DoC, I missed this one.

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #907 on: November 08, 2021, 09:26:36 AM »
I received the $400 bonus from US Bank (open checking account, deposit $5k).
I did two transfers from a Discover savings account, which worked fine even though according to the fine print it has to be a direct deposit from an employer.
It took about five weeks after I met the requirements for the bonus to post.

Thanks for the data point, I was wondering when to expect the bonus to post.

Update: Just received the $400 from US Bank.  That offer's expired but they often re-run it.

Still working Monifi $250 and also the Fidelity $100 others have mentioned, watching DoC for more.

On the credit card side, I've had a Chase Sapphire Reserve for a bunch of years and I'm thinking of closing it and waiting for a new bonus offer for Sapphire Reserve or Sapphire Preferred.  Do others here have any insights on how to do that most effectively?

I'm a little worried about running afoul of 5/24 as I'm also looking for a 0% / no balance transfer fee card as well.

I think the US Bank $400 is on again, and there's a new $300 US Bank business checking offer (for $3000 deposit).
So much free money.

MasterStache

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #908 on: November 09, 2021, 05:35:57 AM »
I received the $400 bonus from US Bank (open checking account, deposit $5k).
I did two transfers from a Discover savings account, which worked fine even though according to the fine print it has to be a direct deposit from an employer.
It took about five weeks after I met the requirements for the bonus to post.

Thanks for the data point, I was wondering when to expect the bonus to post.

Update: Just received the $400 from US Bank.  That offer's expired but they often re-run it.

Still working Monifi $250 and also the Fidelity $100 others have mentioned, watching DoC for more.

On the credit card side, I've had a Chase Sapphire Reserve for a bunch of years and I'm thinking of closing it and waiting for a new bonus offer for Sapphire Reserve or Sapphire Preferred.  Do others here have any insights on how to do that most effectively?

I'm a little worried about running afoul of 5/24 as I'm also looking for a 0% / no balance transfer fee card as well.

The US Bank bonus has 24 month language in it so that stinks!

I just downgraded my CSR to a Freedom card as the $550 annual fee just hit and I had already used PYB to cash out hundreds of thousands of UR points. I don't really have a reason to keep the card around. So downgrading is an option if choose to do that.

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #909 on: November 10, 2021, 08:25:08 AM »
Another really easy one from DoC: open a TradeStation account with $500, get $150 bonus.
I got a mailer for $400 bonus for $1000 DD at Wells Fargo, in branch only. My little town has a WF, I'll keep my hand on my wallet in there!

elysianfields

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #910 on: November 13, 2021, 10:36:47 AM »
Another really easy one from DoC: open a TradeStation account with $500, get $150 bonus.
I got a mailer for $400 bonus for $1000 DD at Wells Fargo, in branch only. My little town has a WF, I'll keep my hand on my wallet in there!

Thanks for the tip @sonofsven , already on it.

kpd905

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #911 on: December 14, 2021, 05:31:31 PM »
Just wondering what others are looking at for earnings this year. 

In 2 player mode, we are at $6230 from bank bonuses right now.  We might end up at $7330 if our two Tastyworks Brokerage bonuses post their $500 bonuses (plus $100 referral bonus) quickly.  Pretty solid year, even though I felt like I couldn't do most bonuses for the big banks because of all of their new churning rules.
« Last Edit: December 14, 2021, 05:44:46 PM by kpd905 »

MasterStache

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #912 on: December 15, 2021, 06:01:52 AM »
Just wondering what others are looking at for earnings this year. 

In 2 player mode, we are at $6230 from bank bonuses right now.  We might end up at $7330 if our two Tastyworks Brokerage bonuses post their $500 bonuses (plus $100 referral bonus) quickly.  Pretty solid year, even though I felt like I couldn't do most bonuses for the big banks because of all of their new churning rules.

Still have a few pending bonuses but will probably end the year around $9500 in 2 player mode. Not sure I captured everything though as a couple banks were done through Swagbucks and MyPoints. I will admit about $1K of that was referrals. I don't feel as though I did very many big bonuses. Lots of smaller bonuses.

samanil

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #913 on: December 15, 2021, 06:54:31 PM »
I'm at 4300, it's possible I could make it past 5k by the end of the year (waiting on a 500 payout from a citi brokerage bonus for transferring 50k).

samanil

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #914 on: December 15, 2021, 07:24:14 PM »
I think the US Bank $400 is on again, and there's a new $300 US Bank business checking offer (for $3000 deposit).
So much free money.

Thanks for the heads up, just opened the biz checking account. CHA CHING!

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #915 on: January 13, 2022, 07:52:51 AM »
The SoFi personal loan bonus is back, $599 bonus for taking out a personal loan. I did a $5k loan, bonus posted to my Sofi money account before the $5k reached my linked savings account.
Hard pull on credit, applied Friday, approved Monday, funded Wednesday.
I'll pay the $5k back today, should be about $5 interest. For $599 bonus. (insert exploding head emoji)

BikeFanatic

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #916 on: January 13, 2022, 08:11:15 AM »
That sofi bonus is huge! No early repayment penalty? Do you have to have student loans? Do you have a link?

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #917 on: January 13, 2022, 08:24:20 AM »
No student loans, no link, it's targeted. Check the sofi app.
It didn't show up on the app for me when it first popped up on DoC but I opened a Sofi email a few days later and the bonus offer was there.

DadJokes

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #918 on: January 13, 2022, 11:34:12 AM »
The SoFi personal loan bonus is back, $599 bonus for taking out a personal loan. I did a $5k loan, bonus posted to my Sofi money account before the $5k reached my linked savings account.
Hard pull on credit, applied Friday, approved Monday, funded Wednesday.
I'll pay the $5k back today, should be about $5 interest. For $599 bonus. (insert exploding head emoji)

Heck yeah! I checked my SoFi app (opened an account in 2020 for a different bonus) and can hopefully get this bonus for both me and the wife. I don't love the credit pull, but $600 is better than most credit card bonuses.

Thanks!

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #919 on: January 14, 2022, 10:49:11 AM »
The SoFi personal loan bonus is back, $599 bonus for taking out a personal loan. I did a $5k loan, bonus posted to my Sofi money account before the $5k reached my linked savings account.
Hard pull on credit, applied Friday, approved Monday, funded Wednesday.
I'll pay the $5k back today, should be about $5 interest. For $599 bonus. (insert exploding head emoji)

I procrastinated a bit so my payoff amount is $5007.xx, scheduled for payoff tomorrow.
The bonus posted to a sofi money account I opened at the same time. Sending a direct deposit of $1001 into it for another $100 bonus.

DadJokes

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #920 on: January 14, 2022, 11:56:52 AM »
The SoFi personal loan bonus is back, $599 bonus for taking out a personal loan. I did a $5k loan, bonus posted to my Sofi money account before the $5k reached my linked savings account.
Hard pull on credit, applied Friday, approved Monday, funded Wednesday.
I'll pay the $5k back today, should be about $5 interest. For $599 bonus. (insert exploding head emoji)

Heck yeah! I checked my SoFi app (opened an account in 2020 for a different bonus) and can hopefully get this bonus for both me and the wife. I don't love the credit pull, but $600 is better than most credit card bonuses.

Thanks!

I saw the popup initially but tapped away from it to verify which account I was logged in to. Now I can't get the offer to come back up. Boo.

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #921 on: January 14, 2022, 12:47:31 PM »
The SoFi personal loan bonus is back, $599 bonus for taking out a personal loan. I did a $5k loan, bonus posted to my Sofi money account before the $5k reached my linked savings account.
Hard pull on credit, applied Friday, approved Monday, funded Wednesday.
I'll pay the $5k back today, should be about $5 interest. For $599 bonus. (insert exploding head emoji)

Heck yeah! I checked my SoFi app (opened an account in 2020 for a different bonus) and can hopefully get this bonus for both me and the wife. I don't love the credit pull, but $600 is better than most credit card bonuses.

Thanks!

I saw the popup initially but tapped away from it to verify which account I was logged in to. Now I can't get the offer to come back up. Boo.

Check your emails in the next two or three days, that's when my offer showed up,

katsiki

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #922 on: January 17, 2022, 02:11:15 PM »
FYI, Sofi personal loan was targeted and then went public.  Doctor of Credit has a post.  It has now expired.

I opened from the email.  It funded quick and was easy.  No bonus yet though which has me wondering.  I was not prompted and did not open a "Money" account.  I am hoping that isn't a requirement.  (It is not listed in the emailed terms).

Anyone have any insight on this by chance?

sonofsven

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #923 on: January 18, 2022, 06:29:32 AM »
FYI, Sofi personal loan was targeted and then went public.  Doctor of Credit has a post.  It has now expired.

I opened from the email.  It funded quick and was easy.  No bonus yet though which has me wondering.  I was not prompted and did not open a "Money" account.  I am hoping that isn't a requirement.  (It is not listed in the emailed terms).

Anyone have any insight on this by chance?
I already had the Money acct from a previous churn, so I don't know.
If you do open the Money acct there is a dd bonus and I think a sign up/referral bonus.

katsiki

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #924 on: January 19, 2022, 12:52:04 PM »
FYI, Sofi personal loan was targeted and then went public.  Doctor of Credit has a post.  It has now expired.

I opened from the email.  It funded quick and was easy.  No bonus yet though which has me wondering.  I was not prompted and did not open a "Money" account.  I am hoping that isn't a requirement.  (It is not listed in the emailed terms).

Anyone have any insight on this by chance?
I already had the Money acct from a previous churn, so I don't know.
If you do open the Money acct there is a dd bonus and I think a sign up/referral bonus.

Thanks for the reply.  I'm going to give it a few days and see what happens, then go from there.

jim555

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #925 on: January 22, 2022, 08:57:48 AM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

tj

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #926 on: January 22, 2022, 09:36:11 AM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.

zoochadookdook

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #927 on: January 22, 2022, 01:22:55 PM »
Welp just hit my chase business new checking 300/unlimited 7500 spend for 750

And the southwest premier 80k bonus@5k (already applied for the personal 40k sw card -gunning for the companion pass end of February)

past these I'm all chased out for a while - may start looking at other banking bonuses in the meantime

katsiki

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #928 on: January 22, 2022, 01:26:46 PM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.

I have not done this one before... Any tips?

I just started one for me.  Happily surprised to see wife got the same offer and hers is good until sometime in July.

samanil

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #929 on: January 22, 2022, 02:14:41 PM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

I'm waiting on a 500 brokerage bonus from citi. Do you close all your accounts, but they still send you emails? Or you do you keep something open?

jim555

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #930 on: January 22, 2022, 03:24:31 PM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

I'm waiting on a 500 brokerage bonus from citi. Do you close all your accounts, but they still send you emails? Or you do you keep something open?
I close the bank account totally.

tj

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #931 on: January 22, 2022, 04:43:36 PM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.

I have not done this one before... Any tips?

I just started one for me.  Happily surprised to see wife got the same offer and hers is good until sometime in July.

Citi is a pain. Last time I had to get CFPB involved. I'm not going to bite.

elysianfields

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #932 on: January 25, 2022, 10:26:49 AM »
FYI, Sofi personal loan was targeted and then went public.  Doctor of Credit has a post.  It has now expired.

I opened from the email.  It funded quick and was easy.  No bonus yet though which has me wondering.  I was not prompted and did not open a "Money" account.  I am hoping that isn't a requirement.  (It is not listed in the emailed terms).

Anyone have any insight on this by chance?
I already had the Money acct from a previous churn, so I don't know.
If you do open the Money acct there is a dd bonus and I think a sign up/referral bonus.

Wow, I take a few days off from this thread and you all keep finding good bonuses, thanks for being my eyes and ears!

On another angle, and Iím not sure whether itís worth it in time & effort, and whenever I go for a new bank bonus, I always add a connection to my Capital One account.  C1 always does the test deposits, but never pulls them back.  That gets me wonderingÖ does it make sense to keep adding / removing external bank accounts from C1 (I seem to be limited to three) to cash in the test deposits?  If I changed two a day, 250 business days a year, averaging $0.50 (probably less) per connectionÖ

I do like C1 - they accept my USG paycheck two days before payday pretty consistently - so I wouldnít want to get into hot water over such a small amount.  I suppose Iíll take the 50 cents here and there when I go for bank bonuses.

Dee_

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #933 on: January 28, 2022, 06:57:04 AM »
Does anybody have a SoFi money referal link for me?

jim555

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #934 on: January 28, 2022, 09:43:05 AM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.
I have not done this one before... Any tips?

I just started one for me.  Happily surprised to see wife got the same offer and hers is good until sometime in July.
My advice, read the fine print very carefully.  It is like a mine field, they will try to trip you up on purpose.

solon

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #935 on: January 28, 2022, 09:51:12 AM »
Does anybody have a SoFi money referal link for me?

Happy to oblige

https://sofi.app.link/4jToGEvRbnb

Dee_

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #936 on: January 28, 2022, 10:58:11 AM »
Thanks @solon

katsiki

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #937 on: January 31, 2022, 08:07:11 PM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.
I have not done this one before... Any tips?

I just started one for me.  Happily surprised to see wife got the same offer and hers is good until sometime in July.
My advice, read the fine print very carefully.  It is like a mine field, they will try to trip you up on purpose.

Thanks Jim!  Will do.  It didn't seem too bad but I will read it again.

elysianfields

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #938 on: February 01, 2022, 12:53:34 AM »
Citibank just sent me a new one.  Up to $14,999 - $200, $15,000 to $49,999 - $400, $50,000 to $199,999 - $700, $200,000 and above $1,500.  They haven't wised up that I do these and immediately close the account.  Rinse and repeat.

Yeah they sent me this too. Who knows how many I have done. I'm surprised I am already eligible again.
I have not done this one before... Any tips?

I just started one for me.  Happily surprised to see wife got the same offer and hers is good until sometime in July.
My advice, read the fine print very carefully.  It is like a mine field, they will try to trip you up on purpose.

Thanks Jim!  Will do.  It didn't seem too bad but I will read it again.

Could someone please lend me $200k interest-free for 60 days?  TIA.

MasterStache

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #939 on: February 03, 2022, 05:58:07 AM »
I must say this year is starting out pretty good. Looking at a couple thousand pending still with $1100 paid out in the month of January already. If anyone is in the Huntington Bank footprint they've had a $500 personal bonus going on for a while. I believe it expires Feb 07. You actually have to use an affiliate link but it's not hard to find. I signed up last November and made the $15K cumulative deposits. Got the bonus couple days ago.

Morning Glory

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #940 on: February 03, 2022, 01:47:28 PM »
I'm not sure if this is the right thread or if I even should be bragging about this, but I just hit $5000 lifetime earnings on ibotta. I'm sure those far items helped me get a couple of cc bonuses lol.

No Huntington near me, I'll have to do citi again unless there is something better that doesn't require dds.

okisok

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #941 on: February 03, 2022, 06:30:48 PM »
That's impressive on the Ibotta earnings! I've been using it since 2017 and am only about $330. I have a low grocery budget and don't buy the high-earnings items like diapers and liquor. I did earn $0.50 today on candy bars :) And the free after offer items are nice for special snacks and stocking stuffers.

I haven't tried churning yet, but this thread makes me want to try.

Rusted Rose

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #942 on: February 03, 2022, 06:55:28 PM »
I haven't tried churning yet, but this thread makes me want to try.

I think it gets us all in the end. Bank and CC. It's pretty fun when it works!

I wonder about things like ibotta -- don't most shopping and coupon systems focus on brand-name things and lots of processed stuff? I almost never buy any of that. Same reason I ignore the coupon printouts at the store.

Morning Glory

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #943 on: February 03, 2022, 07:51:50 PM »
I haven't tried churning yet, but this thread makes me want to try.

I think it gets us all in the end. Bank and CC. It's pretty fun when it works!

I wonder about things like ibotta -- don't most shopping and coupon systems focus on brand-name things and lots of processed stuff? I almost never buy any of that. Same reason I ignore the coupon printouts at the store.

We were heavily into that a few years ago and donated a ton of stuff to the local food bank, mostly personal care products like toothpaste and razors, all free or "make money ". We're more selective now because of space constraints, and the deals aren't as good  since covid.  I remember getting 40 boxes of cereal free one time (I had another family staying with me so I was feeding eight people).

BikeFanatic

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #944 on: February 04, 2022, 05:43:46 AM »
5K on Ibotta? I donít know how you did that but great job!
That program was too much work for me and I may have made 45$ But  the effort was high, like the learning curve, and then  I just did not like the products  they offered. Many of the discounts did not apply to me as I do not buy brand name anything, but they had Many great  discounts on alcohol, stuff for kids, things I donít use.
If you like shopping and go a lot and purchase the right products ibotta can be great, there is a learning curve though. Some of us see these things as a game and enjoy playing to win. Bank bonuses are great but you do have to pay taxes and you do have to
Close accounts. Personally my favorite is the credit card bonuses no taxes and very easy thought  I have run out of credit cards to apply for.
« Last Edit: February 04, 2022, 06:21:07 AM by BikeFanatic »

Rusted Rose

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #945 on: February 04, 2022, 06:15:46 AM »
donated a ton of stuff to the local food bank, mostly personal care products like toothpaste and razors, all free or "make money ". We're more selective now because of space constraints, and the deals aren't as good  since covid.  I remember getting 40 boxes of cereal free one time (I had another family staying with me so I was feeding eight people).

Interesting, OK! And good point about donation. Too bad the deals have been reduced.

Rusted Rose

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #946 on: February 04, 2022, 06:19:03 AM »
great  discounts on alcohol

This too is interesting. Since it's usually excluded from most discounting (isn't it?), it wouldn't have crossed my mind as an option.

Morning Glory

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #947 on: February 04, 2022, 06:52:19 AM »
Yes, it's a game and it can be time consuming but it can be useful if you don't normally spend enough to make a credit card bonus.  For example if you are at the store anyway and disposable razors are $5 and you get $6 back each and there's a limit ten, the moneymaker covers your sales tax and maybe offsets some of your other groceries, you grt an extra $50 of spend towards your cc bonus, and the food bank / homeless shelter/ broke relatives get some razors.

 My husband would figure out most of the deals when he was home with the kids. It just takes a good working memory to notice when the same product is on two different apps. A lot of the products are dumb processed stuff but I've gotten canned beans, meat, cheese, beer, diapers, frozen vegetables, fancy shampoo etc. cheaper than store brand or even free by using rebates.

Looks like I've also gotten $760 from checkout 51 and $176 from shop kick and $350 in Amazon gift cards from fetch rewards. Plus I don't know how much from direct manufacturer rebates and fuel points etc.. Husband's ibotta is at $5445, I didn't check his other apps.

@Rusted Rose I don't know if there are actually fewer deals out there or if we are just not looking for them as often.

@BikeFanatic Yep a lot of liquor stores have mail.in rebates on the products that you can stack with cash back apps. They just don't allow coupons at point of sale. DOC posts these deals sometimes.
« Last Edit: February 04, 2022, 06:58:01 AM by Morning Glory »

Rusted Rose

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #948 on: February 04, 2022, 07:00:58 AM »
Yes, it's a game and it can be time consuming but it can be useful if you don't normally spend enough to make a credit card bonus.  For example if you are at the store anyway and disposable razors are $5 and you get $6 back each and there's a limit ten, the moneymaker covers your sales tax and maybe offsets some of your other groceries, you grt an extra $50 of spend towards your cc bonus, and the food bank / homeless shelter/ broke relatives get some razors.

 My husband would figure out most of the deals when he was home with the kids. It just takes a good working memory to notice when the same product is on two different apps. A lot of the products are dumb processed stuff but I've gotten canned beans, meat, cheese, beer, diapers, frozen vegetables, fancy shampoo etc. cheaper than store brand or even free by using rebates.

Looks like I've also gotten $760 from checkout 51 and $176 from shop kick and $350 in Amazon gift cards from fetch rewards. Plus I don't know how much from direct manufacturer rebates and fuel points etc.. Husband's ibotta is at $5445, I didn't check his other apps.

Yep a lot of liquor stores have mail.in rebates on the products that you can stack with cash back apps. They just don't allow coupons at point of sale. DOC posts these deals sometimes.

You've done nicely! Interesting, thanks for the info.

Didn't know it paid so well to hang out at liquor stores. These days I've been sticking with the occasional wine and I just get that with groceries. Hmm!

MasterStache

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Re: Bank account churning: how to make $1600 in a year by being organized
« Reply #949 on: February 04, 2022, 08:30:51 AM »
5K on Ibotta? I donít know how you did that but great job!
That program was too much work for me and I may have made 45$ But  the effort was high, like the learning curve, and then  I just did not like the products  they offered. Many of the discounts did not apply to me as I do not buy brand name anything, but they had Many great  discounts on alcohol, stuff for kids, things I donít use.
If you like shopping and go a lot and purchase the right products ibotta can be great, there is a learning curve though. Some of us see these things as a game and enjoy playing to win. Bank bonuses are great but you do have to pay taxes and you do have to
Close accounts. Personally my favorite is the credit card bonuses no taxes and very easy thought  I have run out of credit cards to apply for.

I kind of felt the same way. Between juggling tradelines, bank bonuses, CC SUBs etc., Ibotta just seemed like too much work for very little payout. Nice to see someone got good use out of it though.