melissa-ing

Here's another personal finance tip to follow all the other credit card sign on bonus posts, current bank savings interest rates are at its all time high again. Many online banks are offering over 4% interest compared to big brick and mortar banks that give only 0.25%.  Don't let your money depreciate with inflation! Two of my favorite online banks right now are Ally and Marcus by Goldman Sachs. Currently Marcus by Goldman Sachs is offering a 4.40% APY. And if you're new to the bank, you can use my referral link to give you an extra 1% for 3 months, that's 5.40% APY.  Marcus is an online savings account so you will not be able to withdraw cash from it. Best paired with another bank like Ally that provides you with a debit card so you can withdraw funds.  You will still be able to withdraw by transferring money electronically from Marcus to any other bank institution.  I personally feel like Marcus is a good place to put your emergency funds. This is the little nest ...

My current favorite travel credit card goes to Capital One's Venture X Card. It comes with a $395 annual fee but a $300 annual travel credit as well as 10,000 miles anniversary bonus (which pretty much offsets the annual fee). But on top of that you have access to Priority Pass Lounges as well as free authorized users. Currently they're offering a 75,000 miles sign up bonus - which is worth a basic $750 even on a direct statement credit redemption.  Feel free to use my referral link (please note that I might receive a bonus if you use my link. TIA!) Love, Melissa Disclosure of Material Connection: Some of the links in the post above are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only review products or services I use personally and believe will add value to my readers. Additional info can be found here .

Not my usual post - but I realized that Discover's it card hardly ever as a sign up bonus.  But as a current cardholder, I'm able to share a referral link which gives new card applicants a $100 sign up bonus. (Please note that I also receive a bonus if you use my affiliate link. TIA!) Discover's it card is usually something I keep in my pocket because they have 5% cashback on various categories every quarter. It changes slightly every year - but for example for this October till end of December, you can get 5% cashback at Amazon and Target (perfect timing for the holiday spending). Otherwise, it's a solid 1% cashback (1.2% if you redeem for gift cards that give you up to 20% bonus redemption power). Currently new card applicants also get double cashback for the first year of use.  As a quick reminder - sign up bonuses are only worth it if you plan to clear out your balances every month. If you carry a balance, it's not wise to sign up for new credit cards. All op...