Tools Library
Discover calculators, guides, comparisons, and trackers to help you earn more from cashback, referral signups, and welcome bonuses. Use search and filters to find exactly what you need.
Cashback Calculator: Estimate Your Yearly Rewards
Quickly estimate how much cashback you can earn across categories like groceries, dining, travel, and online shopping.
calculator#cashback#rewards#credit cardsUpdated 1/15/2025Bank Account Bonus Finder
Discover bank and credit union welcome bonuses with eligibility criteria, direct deposit requirements, and payout timing.
comparison#bank bonus#checking#savingsUpdated 1/12/2025Credit Card Rewards Optimizer
Model category spending and identify the mix of cards that maximizes rewards for your profile.
calculator#rewards#cashback#pointsUpdated 1/16/2025Fintech App Referral Codes and Promos
A curated list of current fintech referral codes, payouts, eligibility, and tips for successful signups.
comparison#referrals#fintech#app bonusesUpdated 1/13/2025Referral Earning Projection Calculator
Forecast monthly and annual income from referral signups based on conversion rates and average commission.
calculator#referrals#affiliate#commissionsUpdated 1/18/2025Compound Interest Calculator
Visualize growth of deposits with compounding frequency, contributions, and APY to plan your savings strategy.
calculator#compound interest#apy#savingsUpdated 1/10/2025Savings Goal Tracker
Plan targets and timelines for short-term and long-term savings, with alerts for progress and streaks.
tracker#savings#goals#budgetingUpdated 1/17/2025How Referral Programs Work (And How To Maximize Them)
Understand tracking, cookies, attribution windows, payout thresholds, and best practices to increase conversions.
guide#referrals#affiliate#trackingUpdated 1/6/2025Sign‑Up Bonus Tracker
Track welcome bonuses, deadlines, minimum spend, and payout timelines for your cards and accounts.
tracker#welcome bonus#tracker#minimum spendUpdated 1/9/2025Balance Transfer Savings Estimator
Estimate savings from moving a balance to a promotional 0% APR card, accounting for transfer fees.
calculator#balance transfer#0% APR#debtUpdated 1/5/2025Brokerage Sign‑Up Bonus Guide
Compare brokerage cash and stock bonuses, transfer requirements (ACATS), hold periods, and tax notes.
guide#brokerage#bonus#acatsUpdated 1/11/2025High‑Yield Savings Account (HYSA) Comparison
Compare APYs, monthly fees, minimums, and transfer speeds for popular high‑yield savings accounts.
comparison#hysa#apy#savings accountUpdated 1/7/2025Monthly Offers Roundup
A running digest of noteworthy bank, brokerage, and fintech bonuses to consider this month.
article#roundup#offers#bonusesUpdated 1/15/2025Tax Implications of Bonuses and Referral Income
Overview of how banks, brokerages, and apps report bonuses and referral income, plus record‑keeping tips.
article#taxes#1099#incomeUpdated 1/3/2025Cashback Portal Comparison: Maximize Stackable Savings
Compare major cashback portals, typical rates by category, payout speeds, and stacking compatibility.
comparison#cashback portal#shopping#stackingUpdated 1/14/2025Welcome Bonus Timeline: From Approval to Payout
Know what to expect after approval: card arrival, spend windows, statement closures, and payout timing.
guide#welcome bonus#timeline#payoutUpdated 1/9/2025Minimum Spend Planner
Plan organic spend to meet minimums without risky behavior. Allocate recurring bills and seasonal expenses.
calculator#minimum spend#planner#budgetUpdated 1/14/2025Effective Cashback Rate Calculator
Compute your true effective rate after annual fees, caps, and rotating categories.
calculator#cashback#effective rate#capsUpdated 1/12/2025Direct Deposit Simulator
Explore typical ACH patterns and timelines used to qualify for bank bonuses with direct deposit requirements.
calculator#direct deposit#bank bonus#ACHUpdated 1/8/2025Cash Management Accounts Explained
Learn how cash management accounts blend checking features, brokerage sweeps, and high‑yield interest.
article#cash management#brokerage#sweepUpdated 1/4/2025Churner’s Glossary: Common Terms and Acronyms
A concise reference for terms used in bonus hunting: SUB, AF, DD, DP, ACATS, HUCA, and more.
article#glossary#terms#acronymsUpdated 1/2/2025Best No‑Annual‑Fee Cashback Cards
A curated comparison of popular no‑annual‑fee cashback cards with strong everyday earn rates.
comparison#cashback#no annual fee#credit cardsUpdated 1/10/2025Credit Score Impact of Opening and Closing Accounts
Understand how inquiries, new accounts, utilization, and age of credit affect your score over time.
guide#credit score#inquiries#utilizationUpdated 1/1/2025Rotating Category Calendar
Track quarterly rotating categories, activation windows, and caps to capture the highest earn rates.
tracker#rotating categories#calendar#capsUpdated 1/12/2025Refer‑A‑Friend Message Templates
Copy‑paste friendly emails, DMs, and posts to increase referral signup conversions without sounding spammy.
checklist#referrals#templates#conversionUpdated 1/12/2025Referral Landing Page Checklist
A concise checklist to ensure your landing pages are optimized for speed, trust, and conversions.
checklist#landing page#conversion#speedUpdated 1/13/2025Bill Pay Stacking Strategies
Learn compliant methods for routing bills through reward‑earning channels to hit spend goals faster.
guide#bill pay#stacking#rewardsUpdated 1/15/2025Offer Terms Red Flags: What To Watch For
Identify clawbacks, exclusions, and hard‑to‑meet requirements in welcome offers before you commit.
guide#terms#exclusions#clawbacksUpdated 1/5/2025Security Best Practices for Referral Marketers
Protect your accounts and audiences with MFA, unique passwords, secure notes, and link safety checks.
article#security#MFA#passwordsUpdated 1/6/2025Effective APR With Fees Calculator
Calculate the true cost of a loan or card when factoring in annual fees, intro rates, and deferred interest.
calculator#APR#fees#loan costUpdated 1/2/2025Data Points: How Community Intel Improves Outcomes
Learn how anonymized community data points help predict approvals, eligibility, and payout reliability.
article#data points#community#approvalsUpdated 1/8/2025Airline Shopping Portal Stacking Strategies
Earn miles and cashback together by combining airline shopping portals with cards and apps.
guide#airline miles#shopping portal#stackingUpdated 1/11/2025Withdrawal Holds and Bonus Eligibility
Understand how deposit holds, early closures, and clawback terms impact bank and fintech bonuses.
article#holds#eligibility#clawbackUpdated 1/5/2025Subscription Cancellation Reminder Planner
Set reminders tied to trials and welcome bonus requirements to avoid unwanted charges.
tracker#subscriptions#reminders#trialsUpdated 1/10/2025KYC/KYB Explained for Personal and Business Accounts
What to expect during identity and business verification when opening accounts for bonuses.
article#KYC#KYB#verificationUpdated 1/3/2025Referral Link Best Practices
Improve trust and click‑through rates with descriptive anchors, disclosures, and clear value propositions.
guide#referrals#links#CTRUpdated 1/9/2025App Switching Checklist for Bonus Hunters
A prep list for switching banks or apps to capture higher yields and bonuses without losing functionality.
checklist#switching#apps#bankUpdated 1/6/2025Emergency Fund Planner
Estimate an appropriate emergency fund with sliders for expenses, job stability, and dependents.
calculator#emergency fund#savings#planningUpdated 1/11/2025Affiliate and Referral Disclosure Template
A clear, compliant disclosure you can adapt for pages promoting referral links and affiliate offers.
checklist#disclosure#compliance#FTCUpdated 1/2/2025Hotel Status Match and Challenge Guide
Leverage referrals and promo windows to secure status matches and challenges for added travel value.
guide#hotel status#status match#travelUpdated 1/7/2025Deal‑Hunting Workflow for Beginners
A simple, repeatable weekly process for finding and evaluating new bonuses without overwhelm.
guide#workflow#beginners#processUpdated 1/1/2025Merchant Category Codes (MCC) Explainer
Understand how MCC affects category bonuses and why some purchases earn differently than expected.
article#MCC#categories#earn ratesUpdated 1/3/2025Student‑Friendly Bonuses and Starter Cards
Options with simple requirements and no annual fees suitable for students building credit.
comparison#student#starter cards#no annual feeUpdated 1/4/2025Best Gas, Groceries, and Dining Stacks
Combine cards and portals to maximize everyday spending in gas, groceries, and dining categories.
guide#gas#groceries#diningUpdated 1/13/2025