Recommended Offers

Cards, Banks & Money Tools We Actually Use

Every link below is a referral link from the MidPay team. If you open an account through one, we may earn a bonus — and in most cases so do you. That is the whole arrangement, stated plainly.

Referral disclosure. These are referral links and MidPay may be compensated when you are approved or open an account. MidPay is not a bank, a lender, or a card issuer, and nothing here is financial advice. Terms, rates, bonuses, and eligibility are set by each provider and change often — confirm the current details on their own site before you apply.

Personal Credit Cards

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Amex Blue Cash Preferred

Cash back on groceries, streaming, and gas. Referral bonus for both sides on approval.

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Marriott Bonvoy (Amex)

Hotel points card for people who travel for work. Referral bonus on approval.

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Pottery Barn (Capital One)

Store card through Capital One for home and furnishing spend.

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Capital One Personal

Pre-approval tool shows what you qualify for with no impact to your credit score.

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Rakuten Rewards Amex

Pairs cash-back shopping with an Amex card.

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Venmo Credit Card

Apply straight from the Venmo app; cash back on your top spend categories.

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Business Credit Cards

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Capital on Tap

Business card built for small companies, with a referral promotion attached.

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Amex Business Platinum

Premium business charge card. Welcome offer up to 300K points.

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Amex Business Gold

Points on your biggest business spend categories. Welcome offer up to 200K points.

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Capital One Business

Unlimited rewards on every purchase, plus spend controls for your team.

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Capital One Spark

The Spark line for growing businesses β€” flat-rate rewards, no category tracking.

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Business Bank Accounts

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Brex

Corporate cards plus receipt matching. $500 signup bonus through this link.

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Mercury

Business banking built for startups and online companies.

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Novo

Free small-business checking with a welcome bonus when you open through this link.

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Personal Bank Accounts

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GreenFi

Open an account and set up $200+ direct deposit within 45 days β€” $75 each, plus 25 trees planted.

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Current

Mobile-first personal banking.

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SoFi Checking & Savings

Up to $475 in cash bonuses: $50 to open, $25 with SoFi Plus, up to $400 more with a qualifying direct deposit.

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Credit Building

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Extra

Build credit history from your everyday debit spending.

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Self

Credit-builder accounts for people starting from scratch or rebuilding.

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Tomo

A card that looks past the traditional credit score.

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Investing

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Robinhood

Open an account through this link and you both pick a gift stock.

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Stash

$30 to invest when you join and deposit at least $5.

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SoFi Crypto

$25 each when you open SoFi Crypto plus Checking & Savings and buy $50 or more within 30 days.

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Personal Loans

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SoFi Personal Loans

$300 bonus for each of you after the loan funds.

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Upstart

Personal loans that weigh more than your credit score alone.

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