Subscription Perks Database

$120 wireless credit

$10/mo statement credit on US wireless service charges.

$150 Adobe credit

Annual statement credit on annual Creative Cloud subscriptions.

$189 CLEAR Plus credit

Reimburses CLEAR Plus annual fee.

$200 airline fee credit

Same as Personal — incidentals on chosen airline.

$200 Oura Ring credit

Annual statement credit on Oura Ring or membership.

$300 Lululemon credit ($75/qtr)

Quarterly $75 at Lululemon — yes, on the Business card too.

$360 Indeed credit ($90/qtr)

Quarterly $90 statement credit on Indeed for job posts.

$400 Dell credit

$200 statement credit semiannually at Dell.com.

Hilton Honors Gold status

Complimentary status enrollment.

Marriott Bonvoy Gold Elite status

Complimentary status enrollment.

Walmart+ membership reimbursement

Full Walmart+ monthly cost reimbursed.

$189 CLEAR Plus annual credit

Reimburses CLEAR Plus membership for skipping airport security lines.

$200 annual airline fee credit

Pick one airline; reimbursed for incidentals like baggage, seat selection, in-flight food.

Many forget this — set a calendar reminder.

$200 Oura Ring credit

Annual statement credit toward Oura Ring purchase or membership.

$300 entertainment credit ($25/mo)

Monthly statement credit for Disney+, Hulu, ESPN+, Peacock, Paramount+, NYT, WSJ, YouTube Premium.

Stack against existing streaming bills.

$300 Lululemon credit ($75/qtr)

Quarterly $75 statement credit at Lululemon (US).

$400 Resy dining credit ($100/qtr)

Quarterly $100 statement credit at U.S. Resy restaurants.

Use it or lose it each quarter.

Authorized users free (up to 4)

No annual fee for additional users on the same account.

Avis Preferred Plus / Hertz President's Circle

Top-tier status at both rental chains — guaranteed upgrades, faster checkout.

Cell phone insurance

Up to $800 per claim, 2 claims per year, $50 deductible — pay phone bill with the card.

Delta Skymiles Platinum (with Delta enrollment)

Complimentary Platinum status if you enroll through Amex.

Hilton Honors Gold status

Complimentary status — free breakfast, room upgrades, late checkout at Hilton properties.

Leading Hotels of the World Sterling status

Complimentary status — room upgrades, breakfast, priority access.

Marriott Bonvoy Gold Elite status

Complimentary status — late checkout, 25% point bonus, room upgrades at Marriott.

Premium Car Rental Protection

Optional, $19.95-$24.95 per rental, primary coverage up to $100k.

ShopRunner free 2-day shipping

Free 2-day shipping at 100+ retailers (Neiman Marcus, Bloomingdales, etc.).

Walmart+ membership reimbursement

Statement credit covers full Walmart+ monthly cost ($12.95 + tax).

Few cardholders realize Amex covers this.

+5% staking rewards boost

Receive a 5% bonus on top of standard staking reward rates for supported assets (ETH, SOL, ADA, etc.). Auto-applied — nothing to activate.

$1,000 account takeover insurance

Up to $1,000 in coverage if your account is taken over and funds are stolen due to unauthorized access. Must follow Coinbase security guidelines to qualify for claims.

3.50% APY on USDC (unlimited)

Earn unlimited 3.50% APY on USDC balances — no balance cap at any tier. Paid weekly in USDC or BTC. No staking or locking required.

Exclusive tax deals (CoinTracker + Summ)

Free CoinTracker Base plan (or $59 off any other plan), and Summ (formerly Crypto Tax Calculator) $1 Rookie plan (save $48) plus up to 50% off other plans (save up to $499). Pre-filled crypto tax forms.

Member sweepstakes (monthly drawings)

Entry into monthly members-only sweepstakes with prizes like 1 BTC. Easy to forget exists — worth checking the member portal regularly.

Onchain partner deals ($100+ value)

Bundle of onchain partner perks valued at $100+. Includes Aerodrome (30% boost on veAERO Flight School), Definitive (zero fees on first $50K trading volume), DIMO (50 $DIMO + 20% off car adapter), Euler (5% extra yield on USDC), OpenCover (onchain portfolio hack protection).

Token sale boost (up to 1.5x more)

Members can request up to 1.5x more allocation when Coinbase runs token sales. Higher tiers get bigger multipliers (Preferred 2.5x, Premium 5x).

Up to $10/mo gas credit on Base

Up to $10/month in sponsored gas fees on the Base network for onchain transactions through Coinbase smart wallets. Most members never use the onchain side and forfeit this.

+10% staking rewards boost

Receive a 10% bonus on top of standard staking reward rates for supported assets.

$10,000 account takeover insurance

Up to $10,000 in coverage if your account is taken over and funds are stolen due to unauthorized access.

25% Advanced spot-fee rebate (up to $100/mo)

Receive 25% back on Coinbase Advanced spot trading fees, paid in USDC immediately after trades execute. Capped at $100/month in rebates at the Preferred tier (~$1,200/yr max). Premium tier is uncapped.

3.50% APY on USDC (unlimited)

Earn unlimited 3.50% APY on USDC balances — no balance cap at any tier. Paid weekly in USDC or BTC. No staking or locking required.

Exclusive tax deals (CoinTracker + Summ)

Free CoinTracker Base plan (or $59 off any other plan), Summ $1 Rookie plan (save $48) + up to 50% off other plans, pre-filled crypto tax forms.

Member sweepstakes (monthly drawings)

Entry into monthly members-only sweepstakes with prizes like 1 BTC.

Onchain partner deals ($100+ value)

Bundle of onchain partner perks valued at $100+: Aerodrome veAERO Flight School 30% boost, Definitive zero fees on first $50K, DIMO 50 $DIMO + 20% off, Euler 5% USDC yield, OpenCover hack protection.

Token sale boost (up to 2.5x more)

Members can request up to 2.5x more allocation when Coinbase runs token sales. Higher than Basic (1.5x), lower than Premium (5x).

Up to $10/mo gas credit on Base

Up to $10/month in sponsored gas fees on the Base network for onchain transactions through Coinbase smart wallets.

Waived US wire transfer fees

Domestic (US) wire transfer fees waived for deposits and withdrawals. Normally $10 per outgoing wire.

+15% staking rewards boost

Receive a 15% bonus on top of standard staking reward rates — the highest staking boost across Coinbase One tiers.

$250,000 account takeover insurance

Up to $250,000 in coverage if your account is taken over and funds are stolen — the highest tier of Coinbase account protection.

3.50% APY on USDC (unlimited)

Earn unlimited 3.50% APY on USDC balances — no balance cap at any tier. Paid weekly in USDC or BTC. No staking or locking required.

Concierge support

Dedicated concierge-level support — higher-touch than the 24/7 priority support included at Preferred tier.

Exclusive tax deals (CoinTracker + Summ)

Free CoinTracker Base plan (or $59 off any other plan), Summ $1 Rookie plan (save $48) + up to 50% off other plans, pre-filled crypto tax forms.

Member sweepstakes (monthly drawings)

Entry into monthly members-only sweepstakes with prizes like 1 BTC.

Onchain partner deals ($100+ value)

Bundle of onchain partner perks valued at $100+: Aerodrome veAERO Flight School 30% boost, Definitive zero fees on first $50K, DIMO 50 $DIMO + 20% off, Euler 5% USDC yield, OpenCover hack protection.

Token sale boost (up to 5x more)

Members can request up to 5x more allocation when Coinbase runs token sales — the highest multiplier across Coinbase One tiers.

Unlimited Coinbase Advanced fee rebates

Unlimited rebates on Coinbase Advanced spot trading fees. Significant for active traders.

Up to $10/mo gas credit on Base

Up to $10/month in sponsored gas fees on the Base network for onchain transactions through Coinbase smart wallets.

$5/mo DoorDash credit

$5/month DoorDash credit on top of DashPass benefits.

Stack against DashPass.

$50 annual hotel credit (Chase Travel)

Annual statement credit on prepaid hotel bookings via Chase Travel.

Baggage delay insurance

Reimbursement for essentials if bags delayed 6+ hours.

Extended warranty + purchase protection

Adds 1 year to warranty, 120 days theft/damage coverage on items bought with the card.

Lyft Pink All Access (12 months)

Free 12-month Lyft Pink All Access (worth $239) plus 5x points on Lyft.

Many cardholders never activate.

Peloton membership credit ($120 over 24 months)

Statement credit toward Peloton All-Access or App+ membership; total $120 over 2 years.

Primary auto rental coverage

Primary CDW (collision damage waiver) when paying with the card — skip rental agency CDW.

Trip cancellation/interruption insurance

Up to $10k per person reimbursed for non-refundable trip costs if canceled for covered reasons.

Trip delay reimbursement

Up to $500/ticket for hotel/meals if delayed 12+ hours.

$300 Exclusive Tables dining credit

$150 H1 + $150 H2 statement credits at Sapphire Reserve Exclusive Tables restaurants.

$300 StubHub/Viagogo annual credit

Annual credit on event tickets via StubHub.

$500 The Edit hotel credit

$250 statement credits semiannually on prepaid Chase Travel hotel bookings at 1,100+ Edit collection properties.

Apple TV+ + Apple Music complimentary

Free Apple TV+ and Apple Music subscriptions while you have the card.

Most overlooked Reserve perk.

Chase Sapphire Lounge access

Cardholder + 2 guests at all Chase Sapphire Lounge by The Club locations.

Emergency evacuation coverage

Up to $100k for emergency medical evacuation — rare among credit cards.

IHG Platinum Elite status

Complimentary status — room upgrades, late checkout at IHG hotels.

Lyft 5x + $10 monthly ride credit

5x points on Lyft + $10/month in-app ride credit.

Peloton membership credit

$120 in statement credits over 24 months toward Peloton membership.

Primary auto rental insurance

Primary CDW coverage when paying with the card.

Trip cancellation insurance ($10k/person)

Up to $10k per person, $20k per trip for non-refundable trip cancellations.

Trip delay reimbursement (6+ hours)

Up to $500/ticket if delayed 6+ hours — better than Preferred's 12 hours.

AAA Insurance discount eligibility

Auto, home, life insurance — AAA members get discounted rates.

AAA member discounts (hotels, retail, restaurants)

Discounts at hotels (Hilton, Marriott, Best Western), restaurants, theme parks, retail.

Always ask 'Do you offer AAA discounts?' — many places have unmarked discounts.

Auto loan rate discounts

Discounted rates on AAA Auto Loans for car purchases.

Battery service ($25 off)

Mobile battery testing/replacement; $25 off AAA-branded batteries with installation.

Hertz/Enterprise/Avis car rental discounts

Up to 20% off + free additional driver, sometimes free upgrade.

Identity theft monitoring (basic)

Free credit monitoring + identity theft alerts.

Movie theater discounts

Discounted tickets at AMC, Regal, Cinemark.

Notary services (free at branches)

Free notarization at AAA branch offices.

Almost no one knows this.

Pre-trip vehicle service

Free vehicle inspection at AAA-approved repair shops before trips.

Theme park discounts (Disney, Universal, Six Flags)

Member-only ticket discounts at major theme parks.

Travel planning services

Free TripTik routing, paper maps, tour books, travel agent consultation.

$200 toward car rental during repairs

Reimbursement for rental during long repair, after roadside-towed vehicle.

Free fuel delivery

Free emergency fuel delivery (Classic charges for fuel itself).

Free passport photos (1 set/year)

Free passport-grade photos at AAA branches once per year.

Locksmith reimbursement up to $100

Reimburses locksmith costs up to $100 if AAA can't service the lockout.

Sentinel ID theft monitoring (better tier)

Upgraded ID theft monitoring with dark web scanning.

Trip interruption coverage

Up to $300 reimbursement for accommodations/meals if disabling vehicle accident occurs 100+ miles from home.

1 free family member added

1 additional household associate gets Premier membership free.

Concierge services

Personal concierge for travel/dining/event planning (regional availability).

Free standard rental car for 1 day

Get a one-day rental free during a covered breakdown.

ID theft Sentinel Premier

Top-tier ID protection with $1M reimbursement coverage.

Mobile mechanic services available

On-site repairs at home/work via partner network (regional).

Up to $1,500 trip interruption coverage

5x Plus's coverage for accommodations/meals during covered breakdowns.

10¢/gallon at 7,500+ gas stations

Save 10¢ per gallon by linking Prime to the free earnify app.

Most members never link the app

45% off Shutterfly photo prints

Discount on Shutterfly prints and photo books for Prime members.

Amazon Day delivery

Pick a weekly delivery day; sometimes earns small digital credits for flexibility.

Amazon Pharmacy free 2-day shipping

Free 2-day delivery on prescriptions through Amazon Pharmacy.

Buy with Prime

Use Prime shipping/returns when checking out at participating non-Amazon brand sites.

Free Grubhub+ membership

Full Grubhub+ membership with $0 delivery fees on $12+ orders. ~$120/yr value.

Activate by linking Amazon and Grubhub accounts

Free monthly First Reads ebook

Pick one free Kindle book each month from editor's-pick early releases.

~$48/yr value

Household sharing with another adult

Share Prime shipping, Prime Video, and Kindle Library with one other adult in your household. Splits the fee in half.

Lightning Deal early preview

See Lightning Deals 30 minutes before non-members.

Luna cloud gaming

Rotating selection of free games on Amazon's Luna cloud platform.

No-Rush Rewards

Choose slower shipping and earn digital credits for ebooks, video, music, or apps.

One Medical for $9/month

Discounted access to One Medical 24/7 virtual care + in-person clinics.

Prime Gaming

Free PC games monthly, in-game loot for popular titles, and one free Twitch channel sub each month.

Prime Reading

Rotating catalog of thousands of ebooks, magazines, and comics free with Prime.

Prime Rx prescription savings

Compare prescription prices, save up to 80% on covered meds.

Release-date delivery

Free delivery on launch day for new books, movies, games, and limited editions.

RxPass: $5/month for eligible meds

Flat $5/mo subscription for unlimited eligible generic prescriptions.

Try Before You Buy

7 days to try clothing/shoes/accessories before charging your card.

Formerly Prime Wardrobe

Unlimited full-resolution photo storage

Unlimited uncompressed photo storage in Amazon Photos + 5GB free video storage.

Replaces paid Google Photos / iCloud for many users

Whole Foods exclusive deals

Prime-only deals plus 10% off most sale items at Whole Foods Market.

Apple Arcade (Family)

Each member gets game progress and cloud saves.

Family Screen Time controls

Manage app usage, screen time, and content for kids' devices.

Hide My Email (Family)

Each member gets their own random aliases.

HomeKit Secure Video (5 cameras)

Up to 5 cameras with encrypted video storage.

Private Relay (Family)

Each member gets Private Relay protection.

Apple Arcade

200+ ad-free, no-IAP games for iPhone, iPad, Mac, TV.

Most Individual subscribers don't open Arcade.

Custom email domain

Use your own domain (e.g. [email protected]) with iCloud Mail.

Hide My Email (iCloud+)

Generate unique random email aliases that forward to your inbox.

HomeKit Secure Video (1 camera)

1 HomeKit-enabled camera with end-to-end encrypted video storage.

Private Relay (iCloud+)

Apple's privacy-focused VPN-like service that hides browsing IP.

Apple Fitness+ (200+ workouts)

Audio + video workouts: HIIT, yoga, strength, dance, mindfulness.

Apple News+ (300+ magazines/papers)

WSJ, NYT, The New Yorker, Vogue, National Geographic, etc.

Most overlooked Premier perk.

Apple News+ audio narrations

Listen to articles narrated by professional voice actors.

Apple News+ Puzzles

Daily crosswords, sudoku, mini puzzles included with News+.

Custom workout plans (Fitness+)

AI-personalized workout plans based on your activity history.

1 perk slot ($10/mo perk free)

Pick one: Disney Bundle, Apple Music Family, Walmart+, Apple One discounted, etc.

Mix-and-match feature is the value play; people stick with one perk forever.

3-year price lock guarantee

Verizon won't raise your plan price for 3 years.

4K UHD video streaming

4K streaming vs 720p/HD on cheaper plans.

50% off connected devices

Half off tablet/smartwatch line ($10/mo vs $20).

Apple Music Family perk option

Apple Music Family for $10/mo (saves $6.99/mo).

Disney+/Hulu/ESPN+ bundle perk option

Disney bundle (with ads) for $10/mo.

Verizon Up rewards

Earn rewards points redeemable for discounts, gift cards, exclusive experiences.

Walmart+ perk option

Walmart+ via Verizon Perk for $7/mo (saves $5.95/mo vs standalone).

2 perk slots ($10/mo perks free)

Pick any 2 perks: Disney bundle, Walmart+, Apple Music, Apple One discounted, +Play, etc.

3-year price lock guarantee

Plan price locked for 3 years.

5GB international high-speed data + unlimited talk/text in 210 countries

2GB/day high-speed data, unlimited talk/text in 210+ countries.

Apple Music Family perk option

Apple Music Family for $10/mo via Perk.

Apple One perk option

Apple One Individual for $15/mo (saves $4.95/mo).

Disney+ + Hulu + ESPN+ perk option

Disney bundle for $10/mo via Perk.

Free TravelPass days (5/yr)

Free TravelPass days for international travel ($10/day value × 5).

Verizon Up rewards

Earn redeemable rewards.

Walmart+ perk option

Walmart+ via Perk slot.

AAA membership (1 year)

Free AAA Classic for one year.

Free full-flight in-flight Wi-Fi

Full session Wi-Fi (not just 1 hour) on Delta, American, Alaska, United.

Hulu (with ads) on Us

Hulu's ad-supported plan included with one qualifying line.

Netflix (Standard with ads) on Us

Netflix Standard with ads, included with qualifying lines.

T-Mobile Tuesdays freebies

Weekly app-based perks.

Up to $1000 trade-in value

Higher trade-in valuations on eligible devices.

AAA membership (1 year)

Free AAA Classic membership for one year as a T-Mobile bonus.

Underused perk; activate via T-Mobile benefits page.

Apple TV+ included

Apple TV+ ad-free at no extra cost on one qualifying line.

Most don't activate it — needs setup in T-Life app.

Free in-flight Wi-Fi

Full-flight Wi-Fi on Delta, American, Alaska, United for one device.

International data — 215+ countries

Unlimited 256kbps data + texting in 215+ countries; 5GB high-speed in Mexico/Canada.

Scam Shield Premium

Block spam calls, get reverse-number lookup, voicemail-to-text.

T-Mobile Tuesdays freebies

Weekly perks via T Life app: free Subway sandwiches, MLB.TV deals, ride-share discounts.

$10 monthly credit on $150+ purchases

New 2026 perk: $10 credit on monthly purchases over $150.

New for 2026 — most don't know

Better rates on Costco Services

Lower prices on check printing, auto buying, and travel.

Early shopping hours

Early access at many warehouses (often 9 a.m.) before regular open.

Quieter aisles, shorter lines, first pick of high-demand items

Free roadside assistance

Free roadside assistance on vehicles covered through Costco Auto Insurance.

100% satisfaction guarantee

Cancel any time and get your full membership fee refunded if dissatisfied.

Costco Auto Program

Pre-arranged pricing on new and used vehicles — no haggling at the dealer.

Costco Tire Center

Competitive tire pricing with free installation, rotation, and lifetime balancing.

Costco Travel

Discounted cruises, hotels, vacation packages, rental cars, and theme park tickets — often with onboard credits, cabin upgrades, or shore excursions included.

Discounted business checks

Personal and business check printing at lower-than-retail rates.

Discounted gift cards

Restaurants, theme parks, streaming, and entertainment gift cards at reduced prices.

Discounted insurance

Member rates on auto, home, life, and pet insurance through partner providers.

Extended electronics warranties

Free extra warranty coverage on TVs, computers, and major appliances bought at Costco.

Optical center savings

Discounted glasses, contacts, and exams at Costco Optical.

Pharmacy savings

Member-only pharmacy pricing on prescriptions.

100% satisfaction guarantee

Full refund if you cancel and aren't happy.

Discounted gift cards

Up to 25% off gift cards from Southwest Airlines, Domino's, Krispy Kreme, and others.

EBT/SNAP accepted in-club

EBT cards work for eligible items in-club and with Scan & Go.

Optical center

Discounted exams, glasses, and contacts.

Pharmacy

600+ generic medications starting at $4.

Scan & Go in-app checkout

Scan items as you shop and check out in the app — no register line. Also works for café and fuel.

Travel deals

Discounted hotels, rental cars, and event tickets through Sam's Club Travel.

Wedding & event services

Tiered cakes, party trays, bulk florals, reception decor, even rings — all at member pricing.

Crazy underused perk

Early shopping hours

1 hour before regular open.

Free curbside pickup, no minimum

Plus members get free curbside on any order — no $50 floor.

Free Rx delivery + bigger pharmacy savings

Free prescription delivery and deeper pharmacy discounts vs. Club tier.

Free tire installation

Tire installation included with Plus.

AI-powered Coach

Get AI-driven advice for messages, outreach, and strategy.

Business insights

Company growth trends, headcount changes, function distribution data.

Company Page premium analytics

Better insights on followers, page traffic, and competitor benchmarking.

Unlimited people browsing

View as many full profiles per day as you want; free tier hits a commercial-use limit.

Free users hit the 'commercial use limit' if they search heavily — Business removes it.

AI-powered profile writing

AI helps draft headlines, About sections, and posts.

Featured Applicant status

Your application appears at the top of recruiters' lists when you apply for a job.

Most users never toggle this on — has to be opted into per application.

Free salary insights

Detailed salary data by role, location, and experience level — usually paywalled.

LinkedIn Learning — 21,000+ courses

Full LinkedIn Learning library access. Worth $29.99/mo standalone.

The bundle alone covers most of the Career-tier cost.

Open Profile

Anyone — including non-Premium users — can message you directly without InMail.

Resume builder + AI feedback

Generate and refine resumes with AI suggestions tailored to specific job posts.

Top Choice Jobs

Highlight up to 3 roles per month so the recruiter knows you're highly interested.

1% match on crypto buys

1% match on eligible crypto purchases. Lifetime cap of $250,000 in qualifying purchases.

1% match on SoFi Invest deposits

1% match on deposits to taxable SoFi Invest accounts. Conditions: must maintain SoFi Plus membership for 1 year after the deposit, and funds must stay invested for 5 years.

1-year membership requirement + 5-year hold on funds.

10% boost on SoFi Credit Card cash back

10% boost on all SoFi Credit Card cash back rewards rates — stacks on top of the card's base earn rates.

4.50% APY on first $20,000 savings

Earn 4.50% APY on up to $20,000 in one SoFi Savings account. Balances above $20K earn 3.30% APY. Rates are variable and subject to change.

5-5.5% cash back on SoFi Travel (non-air)

5% cash back on SoFi Travel bookings (excluding air travel) with any card; 5.5% when paying with the SoFi Credit Card. SoFi Travel portal also advertises savings up to 10% or more on bookings.

Care.com Premium $99 for 12 months

$99 for a 12-month Care.com Premium membership through SoFi Plus.

CNBC+ subscription 40% off

40% discount on a one-year CNBC+ subscription — $89.99 instead of the standard $149.99.

HelloPrivacy 50% off annual subscription

50% discount on an annual HelloPrivacy data broker monitoring subscription. Removes your personal info from data broker sites.

IPO allocation priority

Priority allocation when SoFi makes IPO shares available to retail investors before public trading begins.

Loan rate discounts (student & personal)

0.125% rate reduction on Student Loan Refinancing, 0.125% on Private Parent Student Loans, 0.25% on Personal Loans.

Mortgage & home equity origination discounts

Additional $500 off the standard origination fee on a home purchase or refinance mortgage. Additional $200 off the standard origination fee on a home equity loan.

Rakuten $50 welcome bonus

$50 welcome bonus when signing up for Rakuten through the SoFi Plus partner offer.

Seated $20 dining reward credit

$20 dining reward credit through the Seated app/partnership.

SoFi Stadium perks + Plus Experiences events

Member perks at SoFi Stadium including expedited entry and access to the member lounge. Also access to exclusive SoFi Plus Experiences events.

Trust & Will $200 off Trust plan

$200 off purchase of a Trust plan through Trust & Will. Useful estate-planning perk most members never use.

TurboTax 20% off federal filing

20% discount on TurboTax federal filing through the SoFi Plus member portal.

Unlimited certified financial planner appointments

Unlimited appointments with certified financial planners at no additional cost. Often the most overlooked perk — access to actual fee-only financial advice as part of the membership.

Vivid Seats 10% off tickets

10% off Vivid Seats inventory (concerts, sports, theater), up to a maximum discount of $50 per order.

25% off Burger King + free Whopper quarterly

25% off BK orders plus a free Whopper every 3 months.

25% off TurboTax

Discount on TurboTax during tax season.

4 months free Apple Fitness+

4-month free trial of Apple Fitness+ for new subscribers.

5 months free Apple Music

5-month free trial of Apple Music for new subscribers.

5% Walmart Cash on travel bookings

Earn 5% Walmart Cash on hotels, vacation rentals, car rentals, tours and activities booked through Walmart+ Travel (powered by Expedia). 2% on flights.

Free eMeals access

Free eMeals meal-planning subscription.

Free flat tire repair

Free flat tire repair and free road hazard warranty at Walmart Auto Care Centers (not in NY) on tires bought there.

Flat repair would otherwise cost $15-30

Free pharmacy delivery

Eligible prescriptions delivered free, sometimes same day, with no order minimum.

Newer perk many members haven't activated

Member fuel pricing at Sam's Club

Walmart+ members get the member-only gas price at Sam's Club fuel stations.

Counterintuitive — you don't need a Sam's Club membership for this

Mobile Scan & Go

Scan items with the Walmart app as you shop and pay from your phone, skipping checkout.

Pawp pet telehealth

Free standard Pawp membership — 24/7 vet telehealth for any pet in your household.

Add-ons billed separately by Pawp

Returns from home

Walmart picks up returns from your house — no repackaging or printing labels needed.

Eligible locations only

450+ partner brand shopping rewards bonuses

Earn bonus investments when shopping with 450+ partner brands through the Acorns app or browser extension. Most users forget the extension is even there — it auto-applies cashback on partner sites.

$10,000 life insurance policy

$10,000 life insurance policy included free for eligible customers at the Gold tier. The kind of bundled perk most subscribers never claim.

For eligible customers — check Acorns eligibility criteria.

3% IRA match on new contributions (first year only)

3% match on new IRA contributions — the highest match at any Acorns tier — but only during the first year of opening the account. Not ongoing. Worth maxing contributions in year one.

First year only — unlike Robinhood Gold's ongoing match. Based on 2026 IRA contribution limit ($7,500 under 50).

Acorns Early (kids' debit card + money app) included

Acorns Early — a debit card and money app for kids — is included free with Gold. Normally a separate paid product.

Acorns Early Invest 1% match for kids

1% match on contributions to Acorns Early Invest accounts (kids' UGMA/UTMA-style accounts) — Gold tier only.

Free tax filing through April

Free tax filing through April for Gold subscribers. Listed as a Gold perk on the official pricing page.

Money Manager (auto paycheck splits)

Automatically splits incoming deposits/paychecks across your investing, saving, and spending accounts based on rules you set. Set-and-forget allocation.

No-cost Will (valued at $299)

A no-cost will included with Gold membership — Acorns values this at $299. Huge for anyone who's been meaning to set up basic estate planning.

Up to 50% bonus match on shopping rewards

Acorns matches up to 50% of bonus investments earned through partner-brand shopping rewards (double the Silver rate).

1% IRA match on new contributions (first year only)

1% match on new IRA contributions in your Acorns Later account — BUT only during the first year of opening the account. Not an ongoing match. Worth maximizing contributions in year one to capture this.

First year only — unlike Robinhood Gold's ongoing match. Cap based on 2026 IRA contribution limit ($7,500 under 50).

Emergency Savings at 3.35% APY

Dedicated Emergency Savings bucket earning 3.35% APY (subject to change). Helps build the 'oh no fund' separately from investing.

Up to 25% bonus match on shopping rewards

Acorns matches up to 25% of bonus investments earned through partner-brand shopping rewards (stacks with the base partner program available to all tiers).

30-day extended returns

Extra 30 days on top of the standard return window.

Early access to brand collabs and big sales

Members shop limited brand drops and major sale events before everyone else.

Loyalty event bonus rewards

Periodic loyalty events stack rewards onto everyday shopping (recent example: up to $100 in Circle rewards across milestones).

Monthly free gift

Choose one free item or exclusive discount each month from a curated list.

Partner free trials (Peacock, Apple, Shutterfly, Ulta)

Linked free trials from partner services — varies by account.

Same-day delivery from 100+ retailers, no markup

Order same-day from CVS, Petco, PetSmart, Sephora, Lowe's, Office Depot, and 100+ others through the Shipt Marketplace at retail prices — no Shipt markup.

The flagship reason to upgrade — most non-members don't realize this exists

Birthday rewards

Personalized birthday offer each year.

Community Voting for charity

Cast votes from your purchases to direct Target's community giving.

Partner Perks (after qualifying purchases)

Free trials and bonuses from partners (e.g., Apple) auto-activated after qualifying buys.

Verified-status discounts

Extra discounts for verified military, college students, and teachers via ID.me.

Audiobooks 15hr/mo (primary holder)

15 hours/month for the plan owner.

Explicit content blocking

Parents can block explicit lyrics on each child's account.

Family Mix shared playlist

Auto-generated playlist combining everyone's music tastes.

Spotify Kids (separate app)

Ad-free, age-appropriate audio app for children.

Audiobooks — 15 hours/month

15 hours of audiobook listening per month from 200,000+ titles included.

Newer perk; most subscribers don't realize they get free audiobooks.

Group session listening

Listen synchronously with friends in real-time.

Hi-Fi quality (rolling out)

Lossless audio quality being rolled out to Premium subscribers.

Spotify Connect cross-device

Hand off playback between phone, laptop, smart speaker, car seamlessly.

Spotify Wrapped early access

Premium subscribers get early Wrapped reveals and exclusive content.

100% satisfaction guarantee

Full refund on membership during the membership period.

BJ's pharmacy & optical

Discounted prescriptions, glasses, and contacts.

BJ's Travel

Member pricing on travel packages, cruises, and activities.

Fuel Saver program

Buy qualifying items in-club and earn an extra 10¢/gallon discount, stackable with member gas pricing.

Manufacturer coupon acceptance

Accepts manufacturer coupons stacked with member pricing — Costco and Sam's don't.

Biggest under-the-radar advantage of BJ's

2 free same-day deliveries/year

Two free same-day deliveries per membership year on $50+ orders.

Extra 5¢/gallon at BJ's Gas

Stacks with the standard ~20¢/gal member savings.

Free curbside pickup, no minimum

No $50 minimum for free pickup.

Audible Latino content

Spanish-language audiobooks and originals.

Audible Originals (free)

Audible's exclusive original content — comedy, drama, journalism, fiction.

Hidden value — original podcasts and series included.

Curated podcasts

Audible-exclusive and partner podcasts.

Sleep tracks + meditation

Guided sleep, meditation, and mindfulness audio.

Audible Originals + podcasts free

All Originals + curated podcasts included (same as Plus).

Credits roll over up to 12 months

Unused credits roll over for a year; stockpile for big releases.

Most underused feature — credits expire if not redeemed within 12 months.

Free 'Smartless' and other Originals

Premium podcast Originals (Smartless, Bridgerton drama, etc.) free for members.

Free returns/swaps within 365 days

Don't like a book? Swap it for another within a year.

Almost no one knows this — return any audiobook within 12 months for any reason.

Members-only sales (extra books)

30%+ off members-exclusive titles + flash sales.

Wishlist save + re-purchase

Save wishlists across credit cycles for easier monthly redemption.

Amex Experiences

Access to Amex Experiences — pre-sale tickets to concerts/sports/theater, dining events, and curated experiences exclusive to Amex cardholders.

Amex Offers

Targeted offers (statement credits, bonus rewards) at participating merchants through Amex Offers — must add each offer to your card manually before spending to activate.

Offers must be added to card before purchase — the activation step is the hidden gem most people skip.

Bitcoin back 2-4% tiered by Assets on Coinbase

Earn bitcoin back on every purchase, tiered by Assets on Coinbase (AOC): 2% baseline (any AOC), 2.5% at $10K-$50K AOC, 3% at $50K-$200K AOC, 4% at $200K+ AOC. The 2.5%/3%/4% tiers are capped at a combined $10,000 in eligible purchases per calendar month (drops to 2% after cap). For the first 60 days after card opening, AOC is based on real-time balance; after that it's a rolling calculation.

AOC = Assets on Coinbase. Most cardholders sit at the 2-2.5% tier. The 4% tier requires $200K+ on the exchange.

Emergency Assistance

Global Assist Hotline for legal/medical/financial emergencies while traveling, including referrals and emergency cash transfers (cost of services is cardholder's responsibility).

Extended Warranty

Extended warranty coverage on eligible purchases via the Amex network. Typically extends manufacturer's warranty by up to 1 year on warranties of 5 years or less.

Lost or Damaged Luggage Insurance

Coverage for lost, stolen, or damaged baggage when the trip is paid for with the Coinbase One Card.

No foreign transaction fees

No foreign transaction fees on international purchases — saves the typical 3% FX markup other cards charge.

Retail Protection

Amex Retail Protection covers eligible purchases made with the Coinbase One Card against accidental damage or theft for a limited period (terms apply).

Return Protection (90 days)

If a merchant won't accept the return of an eligible item within 90 days of purchase with the Coinbase One Card, you may be eligible for a refund through Amex Return Protection.

Roadside Assistance

24/7 roadside assistance dispatch service (towing, jump start, tire change, lockout). Coordination is free; you pay for the service rendered. Avoids the cost of AAA-style memberships for occasional use.

Trip Cancellation / Interruption Insurance

Reimbursement for non-refundable trip costs if your trip is cancelled or interrupted for covered reasons (illness, severe weather, etc.), when paid for with the Coinbase One Card.

Worldwide Car Rental Loss & Damage Insurance

Secondary collision damage and theft coverage on rental cars worldwide when you pay for the rental with the Coinbase One Card and decline the rental company's collision insurance.

Saves you from buying the rental car company's $20-30/day collision coverage. Major hidden gem.

4K UHD video streaming

Stream video in 4K UHD vs HD on lower plans.

AT&T Active Armor advanced security

Spam blocking, secure VPN, fraud detection, identity monitoring.

Connected device line for $10/mo

Add a tablet/smartwatch line for $10/mo (vs $20 on lower plans).

Data in 200+ countries (free Day Passes)

Free 1GB International Day Passes in 200+ destinations.

Family Map locator included

GPS tracking for family members on the account, free.

Free roaming in 19 Latin American countries

Unlimited talk + text and high-speed data across most of Latin America.

Underused perk — perfect for travel content angles.

Stadia Pro 6 months (legacy)

6 months Stadia Pro included for new lines (limited windows; verify before counting).

Background play + downloads per member

Each member individually can use mobile premium features.

Family library sharing

Share music library across family.

Personal Music profiles per member

Each member has separate listening history, recommendations, library.

Background play (mobile)

Continue listening to videos with the screen off or other apps open.

Offline downloads

Download videos and music for offline viewing/listening.

Picture-in-picture mode (mobile)

Float YouTube videos over other apps on iOS/Android.

YouTube Music Premium

Full YouTube Music Premium, $10.99 standalone, included in this plan.

Biggest hidden value — Music alone is worth most of the cost.

3.35% APY on uninvested cash

Uninvested cash in your Robinhood brokerage account earns 3.35% APY through the High-Yield Cash program (Feb 2026 rate). Interest paid monthly. Stays liquid for immediate trading.

3% IRA contribution match

Robinhood matches 3% of every annual IRA contribution (1% for non-Gold). At the 2026 contribution limit, that's up to $225/yr if you're under 50, or $258/yr if you're 50+. The match is the standout perk — it pays back the $60/yr subscription cost 4-5x over.

Must hold the Gold subscription for at least 1 year to keep the matched funds. 2026 contribution limits: $7,500 under 50, $8,600 if 50+.

First $1,000 of margin interest-free

Borrow up to $1,000 on margin with zero interest. Interest applies only to amounts borrowed beyond $1,000 at variable rates. Genuinely overlooked perk — most users don't even enable margin.

Morningstar Professional research access

Access to Morningstar professional research reports on stocks. Morningstar standalone subscription is $249/yr — included free with Robinhood Gold.

Premium Rewards program access

Rotating rewards program with curated luxury goods, crypto gifts, exclusive partner perks, and premium experiences. Specific items rotate.

Sage Home Loans $500 closing credit

$500 closing credit when getting a new mortgage or refinance through Sage Home Loans (Robinhood's mortgage partner).

Strategies management fee waived above $100K AUM

Accounts using Robinhood Strategies (the managed portfolio service) are only charged management fees on the first $100,000 of assets under management. Everything above $100K is fee-free.

3% cash back on all categories

Earn 3% cash back on every purchase as 3x points (1 point = $0.01 when redeemed to Robinhood brokerage cash). Flat-rate cash back with no spending categories or rotating bonus categories to track.

Airport lounge access (5,000 pts per person)

Redeem 5,000 points for a single airport lounge pass. Useful for occasional travelers who don't want a $400+/yr premium card just for lounge access.

Best redemption: $0.01/pt to brokerage cash

Highest-value redemption: points convert at $0.01 each when deposited to your Robinhood brokerage account (which also earns the 3.35% Gold APY in High-Yield Cash). Gift cards and Travel Portal also redeem at $0.01/point. Statement credit, gas, and Amazon redeem at less than $0.01/point — use those last.

Family cardholders any age

Add family cardholders with no age minimum — unusual among major credit cards. Useful for kids' first cards under parental control. All spending accrues rewards to the primary account.

Gas redemption (1,450 pts = $0.50/gal off, 20 gal max)

Redeem 1,450 points for $0.50 off per gallon on a single fill-up, up to 20 gallons per transaction (max $10 discount). Note: redemption value is less than $0.01/point in this option — brokerage cash redemption is still higher value per point.

No foreign transaction fees

No foreign transaction fees on international purchases — saves the typical 3% FX markup other cards charge.

Trip Interruption Protection (Visa Signature)

Reimbursement for non-refundable trip costs if your trip is interrupted for covered reasons. Listed on the official Robinhood Card page; other Visa Signature benefits exist via Visa benefits terms.

Up to 5x points on Robinhood Travel Portal

Up to 5x points on select bookings when paying with the Gold Card through the Robinhood Credit Travel Portal — effectively up to 5% back on travel.

Virtual cards for private spending

Generate virtual card numbers for online purchases without exposing your real card number. Useful for one-time subscriptions, untrusted merchants, and protecting against breaches.

1 year free for Chase co-brand cards

Marriott Bonvoy, World of Hyatt, British Airways, Aer Lingus, Iberia cardholders get 12 months free.

5% credit back on pickup

5% pickup credit on eligible orders.

6 months free for Chase Freedom/Slate

Six months DashPass + a $10 quarterly non-restaurant credit when activated.

Free for Chase Sapphire Preferred

Complimentary DashPass through Dec 31, 2027 + 1 monthly $10 non-restaurant credit.

Free for Chase Sapphire Reserve

Complimentary DashPass through Dec 31, 2027 + 2 monthly $10 non-restaurant credits + $5 monthly restaurant credit.

~$25/month in stackable credits

Includes Caviar

Same membership covers both DoorDash and Caviar with the same login.

Members-only promos

Exclusive deals and discounts only DashPass members see.

Reduced service fees

Lower service fees on all eligible orders.

3 months free with Mastercard

Eligible Mastercard credit/debit cards get 3 months free + $10 off second order each month through Jan 31, 2027.

5% credit back on pickup orders

5% credit back on eligible pickup orders.

Family Account sharing

Add another household member with their own login who inherits your $0 delivery and reduced fees.

Free with select Chase business cards

Many Chase Ink/co-branded cards include 3 months free + up to $20/month in Instacart credits.

$240/yr in unused credits is common

Lower service fees

Reduced service fee on every order, not just delivery.

Compounds the savings — most people miss this

Multi-store ordering

Order from multiple stores in one trip without extra delivery fees.

NYT Cooking included (annual)

Free New York Times Cooking subscription — $50/yr value — for annual members.

Peacock Premium included (annual)

Free Peacock Premium subscription — ~$80/yr value — for annual Instacart+ members.

Family sharing for up to 6 people

A single YNAB subscription covers up to 6 people who each get their own login but contribute to the same shared budget. No extra fee per additional user. Massive value for households — effectively reduces per-person cost to ~$1.50/mo on the monthly plan or ~$18/yr on the annual plan.

Free 365-day subscription for college students

Free 365-day YNAB subscription for college students with proof of enrollment. Works for grad school, undergrads, and adult learners returning to college — no age limit, any accredited college.

Free workshops + YNAB Method education

Access to free YNAB workshops and full guidance on the YNAB Method (the budgeting framework). Worth attending — the method matters as much as the app.