Jan. 21, 2026
How to Earn Bilt Rewards Without a Credit Card (Step-by-Step)
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Click MORE to see Ad disclosures Today I’m walking you through a great opportunity to earn Bilt Rewards points without ever opening a credit card. For the next few months, there is a unique sweet spot where you can maximize the partnership between Bilt and Rakuten to earn points on autopilot. I’m going to share exactly how you can set up your account to turn everyday spending—and even bank account sign-ups—into valuable points you can transfer to partners like Hyatt. We are going to dive deep...
Click MORE to see Ad disclosures
Today I’m walking you through a great opportunity to earn Bilt Rewards points without ever opening a credit card. For the next few months, there is a unique sweet spot where you can maximize the partnership between Bilt and Rakuten to earn points on autopilot. I’m going to share exactly how you can set up your account to turn everyday spending—and even bank account sign-ups—into valuable points you can transfer to partners like Hyatt.
We are going to dive deep into the specific steps you need to take to optimize this strategy, especially before the introductory transfer rate changes in May. I’ll show you how to stack your earnings effectively and tell you about exclusive resources our team is working on to help you earn the most. Whether you are new to points or looking for a pivot strategy, this episode gives you the roadmap to supercharge your travel points with minimal effort.
ACTION STEPS:
Note: Use our digital checklist or download a PDF of these steps here: https://katiestraveltricks.com/bilt-rewards-explained-earn-points-even-without-the-credit-card/#ktt-checklist-wrapper
- Sign up for our Rakuten deal list to be notified daily of deals (through March 31) - https://katiestraveltricks.kit.com/rakuten
- Create a Bilt Account: Sign up at biltrewards.com or download the app (skip the credit card application for now).
- Add a Credit Card to Bilt: Link a card you use frequently (like a Freedom or Venture card) to your Bilt wallet to earn on Walgreens purchases.
- Link Lyft & Bilt: Go to the "Neighborhood" tab in Bilt, select rideshare, and link your accounts. Ensure the payment card in Lyft matches the one in your Bilt wallet (ideally a Sapphire card).
- Sign Up for Rakuten: Use my referral link to get the $50 new member bonus: https://www.rakuten.com/r/KMGALL29?eeid=44749
- Link Rakuten to Bilt: Ensure your email addresses match on both accounts and select Bilt Rewards as your payout option in Rakuten. https://www.biltrewards.com/p/rakuten
- Maximize Referrals: Refer your spouse/partner (and then have them refer you back if applicable) or family members to earn referral bonuses.
- Set Up Rakuten Dining: Link your dining credit card (like a Sapphire)
New Here?
Hi, I’m Katie from Katie’s Travel Tricks! I am here to help you learn the secrets that my family has been using for over a decade, using everyday expenses and welcome offers to supercharge your points earning. When you learn to do this, you can cover entire vacations every year.
Our family has been to Hawaii, Asia, the Caribbean, Europe — and more — all thanks to strategically earning and redeeming points. We've done this on a limited travel budget and now want to help you do it, too.
More from Katie’s Travel Tricks
🔗 Website
Advertiser Disclosure: Some of the card links and other products that appear on this podcast are from companies which Katie's Travel Tricks will earn an affiliate commission. Katie's Travel Tricks is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. The content in this podcast is accurate as of the posting date. Some of the offers mentioned may no longer be available. Editorial Disclosure: Opinions expressed here are the autho...
00:09 - Why Built Rewards Matters Now
00:54 - Earning Built Without New Cards
02:39 - Set Up: Account, Wallet, And Habits
03:12 - Walgreens And Prescriptions Stack
04:39 - Lyft Linking For 7x Stacking
06:13 - Neighborhood Perks: What To Skip
06:29 - Hold Off On Built Dining
07:18 - Why Rakuten + Built Is A Sweet Spot
08:26 - Link Accounts And Mind The Payouts
10:41 - Referral Strategy For Fast Points
13:43 - Activate Rakuten Dining For 5x
14:46 - Browser Extensions And App Workflow
16:42 - Timing Deals With SaveWise And TrackRack
19:50 - Alerts For High-Value Stores
21:02 - Financial Offers And Bank Bonuses
23:20 - Direct Deposit Workarounds And Vetting
23:49 - In-Store Linked Offers And Automation
25:50 - Rapid-Fire Action Checklist
27:30 - What’s Next: Built Cards And Three-Year Plan
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For the next few months, there's a lucrative opportunity to earn built rewards points by maximizing its partnership with Rackutin.
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And today I want to walk step by step through how you can take advantage of this.
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We're going to cover that plus everything else you need to know about how you can earn built rewards without ever opening a credit card.
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Welcome back to Points for Normal People.
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I'm Katie and I'm here because I know that travel costs add up, especially for a family.
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But I believe travel isn't just for the rich.
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That's why on Points for Normal People, I share the tips and tricks that my family has been using for over a decade to help you use your everyday expenses and credit card welcome offers to supercharge your travel points so you can pay for entire vacations every year.
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Today is part one of a deep dive into the Built Rewards ecosystem.
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If Built hasn't been on your radar, that's okay.
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It's a fairly new rewards program in the scheme of things.
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The best part about it is that it has some very valuable and unique transfer partners, most notably Hyatt, but also Atmos and JAL.
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In the last episode of 2025, I talked about some possible strategy pivots now that Chase Ultimate Rewards seems like they're going to be a little bit harder to earn in large quantities.
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Pivoting into Built is one of those possible new strategies.
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This is particularly helpful if you love your Hyatt points and you want to keep earning them.
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Built is the only other program right now that transfers points to Hyatt.
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What I like about this option is that you don't even need to open a credit card to earn and redeem built rewards points.
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Now there are some new built credit cards coming in February, and I will talk about those next week in detail because they are a little bit complicated.
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But this episode will focus on ways to earn built rewards without opening any credit cards.
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I'm actually going to be very specific in this episode about steps to take.
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We're going to walk through this together.
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So you don't need a credit card, but you do need a built rewards account.
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So the first step is that you'll need to sign up for that at builtrewards.com or download the Built Rewards app and sign up on the app.
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Now, sometimes the site or app will try to upsell you and also get you to apply for a credit card while you're enrolling in the rewards program.
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Skip that.
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You don't want to automatically open a credit card.
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Maybe eventually you will, but not necessarily.
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Once you're enrolled, you want to optimize your built account for earning.
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So usually I focus on simple ways to earn a big chunk of points.
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These next few steps are not that, but they are ways to set up your account to earn a modest number of points, essentially on autopilot.
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The first step is that you want to add a credit card to your built wallet.
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This will link that credit card to your built account and will allow you to earn built points on certain purchases automatically.
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Again, for most people, these earnings will be modest, but I think it makes sense to set this up because after you do, you'll earn those points automatically.
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The first area you can earn built points is on purchases at Walgreens.
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If you have a freedom card, this is typically the best card to use to pay at Walgreens since you earn 3x at pharmacies.
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So I'd recommend if you have one that you add your freedom card to your built wallet, if that's the card you typically use at Walgreens.
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If you don't already have the habit of paying at Walgreens with a freedom card, that's an easy habit you could start too.
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Keep your freedom card in your wallet or your digital wallet and start just using that to make any Walgreens purchases.
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If you don't have a Freedom card yet, that's okay.
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You could also add a Capital One Venture or Venture X, those earn 2x everywhere.
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But I'll use the Freedom Card as my example.
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So with that, you'd earn 3x on Walgreens if you have a Freedom Card and you use it to pay.
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But on top of that, once you link it, you'd also earn built rewards.
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So you'll earn either two built points per dollar if you're spending on Walgreens branded products, or one point per dollar on anything else.
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You'd also earn 100 points per prescription filled.
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That means you're earning four to five points per dollar combined at Walgreens.
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Overall, you're probably not doing a ton of spending at Walgreens, but this makes the most of times that you do.
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And while Walgreens prescription prices are generally overpriced, if you have insurance that covers them, you could even consider moving your prescriptions to Walgreens to start earning that 100 points per prescription.
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You can also earn two built points per dollar on lift rides.
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For this, you'll not only need to add a credit card to your built wallet, but you'll also need to go into the built rewards account, find the neighborhood tab, then find ride share, and link your lift and build accounts.
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The same card in your built account needs to be the same card in your lift account that you pay with.
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To maximize these earnings, you'd want to make sure your Chase Sapphire Preferred card or Chase Sapphire Reserve are added to your built wallet.
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Both of these earn five points per dollar on lift through September 2027.
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By stacking that with the built earnings, you'll earn a total of seven points per dollar on lift rides.
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Our family only uses lift a few times a year when we're traveling, but depending on your travel and where you live, you might earn a decent amount by maximizing the card earning plus built rewards.
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There are a few other earning opportunities in the built neighborhood tab, which I'll mention briefly, but I don't think they applied much to the average person.
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One is a very specific benefit for metropolis parking where you can earn one point per dollar spent.
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But at least when I was looking at their parking pricing, it was all much higher for Chicago than what I would get if I booked with ParkWiz or Spot Hero.
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So this didn't seem like a great option to generally recommend.
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There's also a benefit for certain fitness centers where you can pay per class and each one gives you some little perk usually that goes with it.
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You earn an extra two to three built points per dollar spent.
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So maybe this would be useful to you if you were traveling and you wanted to try out a fitness class, but at least in my market, generally the prices were much higher than if I were to just book a package directly with a studio or use something like ClassPass.
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If you know some great use for this, send me a message and let me know.
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But I could not see the general appeal for this one.
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There's also a spot on the built app where you can activate dining rewards and could earn three built points per dollar spent.
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But you don't want to do this right now.
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That's because instead I'm going to walk you through later how you can earn five points per dollar, at least through May.
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Now, all of these earnings are modest, right?
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I think it makes sense though to take the five minutes to set it up because you may as well be earning automatically on those Walgreens and Lift purchases.
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And once you have that set up, the way to really earn some extra points, at least through May, is by leveraging the new built and Rakutin partnership.
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Now, I talked about Rackutin briefly in the episode on American Express membership awards.
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Rakutin is a shopping portal where you can earn cash back on purchases online, but also on dining out, on some in-store purchases, and even for some things like opening new bank accounts.
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You'll have to first sign up for Rakutin if you haven't already done so, and then you'll need to link your Rakutin account to your built account.
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You do not want to sign up for Rakutin directly in the Built Rewards app because it gives you a worse new member offer.
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Through at least March 31st, 2026, new Rakutin members can earn$50 bonus cash back after you spend$50 at any of the online retailers.
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This offer is only available if you use a current member's referral.
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So if you aren't a Rakutin member yet, you can find my referral link in the show notes so you could get that$50 new member reward.
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That$50 can become$5000 built rewards points, which in turn can be transferred to Hyatt or any other built partner.
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And that alone is enough to book a night at a category one Hyatt hotel.
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So just by signing up, you'll already have enough for a cheap Hyatt stay.
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Now there's a few quirks to earning with Rackuton, and so I want to spend this episode walking through how to maximize your earnings and also how to automate it as much as possible.
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My goal is to make this easy for you to earn.
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And keep in mind, these tips apply to earning with Rackutin in general.
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They also apply if you want to earn American Express rewards through Rackritin rather than built rewards.
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It's all the same process.
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Some people will not even want to bother with all this, and that is totally fine.
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It's an extra level of mental energy, and you can 100% earn enough points for a vacation every year just by following my three-year plan.
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So this is more for people who've maybe finished the three-year plan, or maybe you're in the middle of it, but you have some extra time.
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I've mentioned a few times that this is particularly a sweet spot through May.
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That's because through May 2026, built has an introductory rate with Racquutin.
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If you convert Raccoutin cash back to built rewards, it will convert for everybody at one cent per point.
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That means$100 of Raccoutin cash back will give you 10,000 built rewards points.
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But after May 2026, unless you acquire a higher level of built status, you will earn just half of that.
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So after that, if you have$100 of Rakutin cash back, you'd get just 5,000 built rewards points.
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Now there will be options with the built credit cards to earn built status.
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You could continue to have that one-to-one rate, and we'll discuss those next week.
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But if you don't want to mess with the built credit cards, you might decide after May to turn your Rakutin earnings back to converting to American Express membership rewards.
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But again, through May, everyone can earn at this one cent per point rate.
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So it's really a great time to maximize it.
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Once you're signed up for Rackutin, you need to go into your built account and then link it to your Rackutin account.
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The emails must match, so make sure as you sign up that you use the same email.
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If you already have different emails associated with Rakutin and Built accounts, you'll need to work with customer service on one of them to change the email so that they do match.
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Rakutin does not like you to create duplicate accounts, so you're better off changing the email on your existing account to match rather than trying to open another account.
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I have step-by-step instructions with screenshots and my built blog post, which is linked in the show notes if you want to walk through this.
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Then you'll also need to make sure that built rewards is selected as your payout option in Rakutin.
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So the first thing to know is that Rackutin only pays out cash back or points once per quarter, and there's a delay in payment.
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It pays out on February 15th, May 15th, August 15th, and November 15th.
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You'll also only get paid out for cashback that's been confirmed by those dates.
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It can't be pending.
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And sometimes purchases take a long time to get confirmed.
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It's January 7th as I write this, and I have a purchase from November 24th that is still listed as pending.
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So even though Built has said they will give everybody this introductory rate through the May 15th payout, really, this might just be for purchases through about March 15th through 31st, if you really want to make sure they're confirmed by May 15th.
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So at this point, it is a fairly small window of maximizing.
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But if you want to maximize, here's how you can do it.
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The first step you should take is to maximize referrals.
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Rackertin really rewards you for referrals, and through March 31st, the referrals are at an all-time high.
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Every time you refer someone, they can earn$50 cashback bonuses, and you will also receive a$50 cashback bonus.
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Now you only earn the referral points if that person spends$50 or more via Rackerton, but that's pretty easy to do, and they have to do that anyway if they want to get their new member bonus anyway.
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If you have a spouse or partner, you'll want to first sign yourself up.
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Again, my referral link is in the show notes if you want to use that to get your first$50 bonus.
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Then you'll want to refer your spouse or your partner.
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Once they spend$50, you'll earn another$50 bonus, plus they will have earned one as well.
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At this point, you already have$150 across your household, or 15,000 built rewards points.
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Again, that's because you got$50 from you yourself signing up,$50 from referring your partner, and$50 from them signing up.
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You can also refer your parents or aunts and uncles or cousins or friends.
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You can refer anyone who is over 18, so this would be great to refer college students to this as well.
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The great thing is that it costs all of these people$0 to join, and you'll earn$50 for each referral, which again can convert to 5,000 built points.
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They will need to spend at least$50 clicking through Rackotin to get their bonus.
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But with stores like Walmart, Sam's Club, Target, Lowe's, Pet Supplies Plus, Ulta, Sephora, and so many more, it's pretty easy for most people to find a place that they're going to be doing some spending at anyway.
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You could even help parents or college students out by referring them and signing them up, and then you being the one that clicks through their account to do the spending if you really want to get those referral bonuses.
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You cannot, however, refer yourself to multiple accounts.
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Rakutin is very sensitive to this type of gaming.
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So step one, maximize your referrals.
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Next, you'll want to link a credit card to your Rakutin account, which will allow you to earn extra points for Racutin dining and some other in-store purchases.
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Remember how I said you don't want to activate built dining for now?
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That's because with Racquetin Dining, you'll earn five points per dollar, and your credit card can only be part of either built dining or Rackutin Dining.
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So for now, you want to be a part of Rackutin Dining.
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In my area, there are a lot of local restaurants listed on Racquutin Dining as options.
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So I have my Sapphire card linked because my Sapphire card earns three points per dollar on dining out.
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You'll just want to link whatever you usually use for dining purchases.
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Or if you're working on a new credit card right now and putting all your purchases just on that card, just link that card to Rakutin.
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For me, linking my Sapphire means I'm earning eight points per dollar at any of the 22,000 Rakutin restaurants automatically.
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That eight points per dollar is split between two programs, but overall I'm earning eight points per dollar.
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Then there are four more areas of opportunity for earning with Rakutin, and I want to walk through them each in detail and show how to automate earning as much as possible.
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First, you have earnings on online shopping purchases.
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Your earning here will really depend on how much online shopping you can do, but I want to offer a few suggestions for maximizing this.
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The first thing is to install the Rakutin browser extension on your computer and on your phone.
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Now you can only install the browser extension on your phone if you have an iPhone.
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The browser extension is really helpful because it just pops up and tells you if a website you've gone to has the option of earning cash back through Rackutin.
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And then it lets you activate it just by pushing a little button.
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If you do a lot of shopping in store-specific apps, you will not be able to get those purchases to track in Raccoin.
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It's kind of a pain, but you'd have to retrain yourself not to go to the store app, but just to shop in a browser instead.
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If you do a lot of shopping on your phone and you really want to maximize this, I'd honestly say it would be worth getting rid of apps that are for stores that have Rakutin earning, because otherwise your phone might kick you over to their apps when you're searching and you'll lose out on that extra earning through Raccoon.
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Another option for phone shoppers, and if you're an Android user, it's your only option, is just to do your shopping through the Rakutin app.
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It keeps you in a browser within the Rakutin app so you know your cashback will track.
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On the Raccutin app, you can search by store or by item.
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So for instance, when my daughter wanted Uggs for Christmas, I could search for the Uggs she wanted and see the pricing as well as which store could earn me the most cash back.
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Starting either with a Raccoutin app or shopping on a desktop with a Rakutin browser installed is the best simple way to make sure you're not missing out on activating Raccoutin cashback for online shopping.
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If you want to level up from there, the next level would be timing your purchases to coincide with higher cashback promotions.
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Now, what I find super annoying about Racutin is that the cashback rates or earning rates are constantly changing for some sites.
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It might be 2% one day and 15% the next day.
00:16:51.679 --> 00:16:56.960
I love deals, but I hate managing a lot of things, and I also hate feeling like I got a bad deal.
00:16:57.200 --> 00:17:00.000
I've used a few different methods for tracking and optimizing this.
00:17:00.240 --> 00:17:02.960
My favorite method right now is the site SaveWise.
00:17:03.120 --> 00:17:08.720
Now, personally, I use the Pro version, but I think for most people it makes sense to start off with the free version.
00:17:08.799 --> 00:17:13.359
And if you really find yourself wanting more out of it, to then upgrade to the pro version later.
00:17:13.599 --> 00:17:22.559
I did reach out to the developer of SaveWise for a coupon code, and if you decide you want to get the pro version, you can use the code KTT to get 20% off.
00:17:22.720 --> 00:17:25.039
This is not an affiliate link, I don't earn any commission.
00:17:25.200 --> 00:17:28.640
He just added a coupon for this audience because I told him I used his product.
00:17:28.880 --> 00:17:35.200
I will add that paying for SaveWise Pro offers a simple way to maximize this, but it's of course not free.
00:17:35.359 --> 00:17:39.519
It's$70 a year or still$56 with a KTT discount.
00:17:39.680 --> 00:17:47.680
It is simpler with SaveWise Pro, but of course, I'm also going to show you how you can do the most with just using the free version of different programs.
00:17:47.839 --> 00:17:50.000
And I said this is the next level, right?
00:17:50.240 --> 00:17:54.559
So it does take a little more effort, but if you want to put in the effort, there's ways to do it.
00:17:54.880 --> 00:18:03.279
So what you can start to do with this is maximize when you make purchases that might not be urgent and make those for maximum earnings.
00:18:03.519 --> 00:18:10.400
You can do this because some of these programs give you the ability to see historical cashback offers for different stores.
00:18:10.640 --> 00:18:14.079
So the free version of SaveWise lets you see 14 days.
00:18:14.240 --> 00:18:17.920
The pro version lets you see 365 days of offers.
00:18:18.160 --> 00:18:27.039
If you really want to keep this free, you'd actually also want to sign up for a free version of a site called TrackRack, which lets you see 21 days of historical offers for free.
00:18:27.119 --> 00:18:30.400
So you'll see a little bit more than you'd see with the free version of SaveWise.
00:18:30.559 --> 00:18:32.480
I'm a nerd, but also this is my job.
00:18:32.559 --> 00:18:34.880
So I love the 365-day view.
00:18:35.039 --> 00:18:40.319
But even the 14 to 21 days can help you see if an offer is fairly stagnant or more dynamic.
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If I look up PetSmart, for instance, I can see that even in the past 14 days it had a day it bounced up to 10x versus a normal rate of 2x.
00:18:48.240 --> 00:18:56.799
With my 365-day view, I can see that in the past year it often goes to 15x, and even on a few days it went up to 20 and 25x.
00:18:57.119 --> 00:18:58.640
Not all stores vary.
00:18:58.799 --> 00:19:02.880
Some stores stay very similar the whole year or never change.
00:19:03.039 --> 00:19:11.519
But once I find a store that has a lot of variation and it's a store where I shop at regularly, I can then go into SaveWise and set an alert.
00:19:11.759 --> 00:19:14.880
So in my case, I buy my cat litter at PetSmart.
00:19:14.960 --> 00:19:21.200
So I can set an alert, and when it goes up to at least 15x, I can go in and buy a few months of cat litter.
00:19:21.519 --> 00:19:27.359
In this case, I can select free in-store pickup, and so it doesn't cost me anything more than normal.
00:19:27.599 --> 00:19:29.920
But I'm still earning extra points on it.
00:19:30.160 --> 00:19:34.480
With a free version of SaveWise, you get to set three alerts for stores like this.
00:19:34.640 --> 00:19:37.359
With the Pro version, you can set unlimited alerts.
00:19:37.599 --> 00:19:42.319
If you also sign up for a free version of Track Rack, you can set another alert for free.
00:19:42.480 --> 00:19:49.839
Another place that bounces up to 14 or 15x or even more sometimes is Viad, where you can book a lot of tours for travel.
00:19:50.079 --> 00:19:54.480
If you book through there for trips, that's a really good one to set alerts for.
00:19:54.720 --> 00:19:59.759
There are other stores that might mesh with other card benefits you have, like Stubhub or Lululemon.
00:20:00.160 --> 00:20:04.640
Booking.com is on there and has some great hotel options in other countries especially.
00:20:04.880 --> 00:20:14.400
Other stores that have rates that bounce around a lot that you might shop regularly at would be Ulta or Old Navy or Walgreens or even some local grocery stores are on there.
00:20:14.640 --> 00:20:31.039
I think the best way to go about it is for you to start by making a short list of places you regularly shop at, and then just check them out on SaveWise to see if they're on Raccoutin and see if they seem to have any variation where it might be worth setting an alert for for those higher rates.
00:20:31.279 --> 00:20:38.640
You can also spend a little time on the Rackutin site and browse the stores on there and see if there's anything on there that you shop at just a few times a year.
00:20:38.880 --> 00:20:42.160
That will help you focus in on what deals are relevant to you.
00:20:42.400 --> 00:20:51.279
Now, for some people, that all will seem like a bother, and it's fine to just have Rakutin on your browser and activate whatever the current cashback is.
00:20:51.519 --> 00:20:58.559
I think the maximizing again is more for people that have more mental energy or who are the type to love extreme couponing.
00:20:58.640 --> 00:21:03.119
And some people may do very little shopping online and might not find as many opportunities.
00:21:03.359 --> 00:21:07.200
Next, we have a different kind of offer, financial offers.
00:21:07.359 --> 00:21:14.079
Besides online shopping, there are a lot of other promotions where you can earn a flat cash back bonus on Rakutin.
00:21:14.240 --> 00:21:20.400
This can be for signing up for internet or phone service, but the most lucrative I think is their bank account bonuses.
00:21:20.799 --> 00:21:26.000
To find these, you can go to the Explore tab and then select banking and finance tools.
00:21:26.240 --> 00:21:29.440
One issue is that these change and often change quickly.
00:21:29.599 --> 00:21:32.480
Some of the best offers only last a day or two.
00:21:32.799 --> 00:21:40.240
So if you really want to maximize this over the next few months, you might just want to log in and check these every day or every other day yourself.
00:21:40.480 --> 00:21:42.000
We're gonna try to help you with this.
00:21:42.079 --> 00:21:49.839
So through March 31st, we're gonna try having an alert system for these deals just to help you save time and maximize this.
00:21:50.079 --> 00:21:58.000
Essentially, I have someone who's gonna scan Rackotin every day for any extra deal and also read the fine print really carefully.
00:21:58.240 --> 00:22:05.519
If we find something that we think is worthwhile, we'll send out a really quick email and I'll post it in my Instagram stories with details.
00:22:05.759 --> 00:22:10.480
If you'd like to sign up for those specific emails, you can find the link in the show notes.
00:22:10.720 --> 00:22:14.400
Last week, for instance, there was a$100 bonus for Sophie Invest.
00:22:14.880 --> 00:22:22.480
This one said you needed to open a new Sophie Invest, or is it Sophie Invest, I don't know, account and fund it with$100 within 45 days.
00:22:22.720 --> 00:22:29.680
It doesn't actually say how long you need to keep it in there in the terms, but I'd personally keep it in until I get my Raccoutin cash back confirmed.
00:22:29.920 --> 00:22:36.799
That was a very easy way to earn what could then become 10,000 built points and then could become 10,000 Hyatt points.
00:22:37.039 --> 00:22:40.559
So I was able to sign up and fund one of those accounts in about five minutes.
00:22:40.799 --> 00:22:44.480
There's another similar one right now for Raisin, another online platform.
00:22:44.640 --> 00:22:51.359
Sometimes bank accounts like SoFi Checking has gone up to$300 or more, and Chime has gone up to$150.
00:22:51.920 --> 00:23:00.960
These offers are where I think the average person could earn the most over the next few months if you have a little bit of time, and especially if you have a little bit of money, you could move around to these bank accounts.
00:23:01.119 --> 00:23:08.160
One issue with some of the bank account bonuses on there is that they're going to require a direct deposit to earn the cashback bonus.
00:23:08.400 --> 00:23:12.079
That can be a little harder to manage depending on your work situation.
00:23:12.319 --> 00:23:16.160
But sometimes there are workarounds for the direct deposit options.
00:23:16.319 --> 00:23:25.680
Sometimes, especially on sites like Doctor of Credit, people will post in the comment what actually might trigger a count as a direct deposit for that specific bank.
00:23:25.920 --> 00:23:32.720
Some banks, for instance, might account a deposit coming from PayPal or Venmo as if it was a direct deposit.
00:23:32.960 --> 00:23:36.240
So we'll include those details in our email alerts too.
00:23:36.480 --> 00:23:42.640
And we'll of course also be checking the historical offers to make sure that the offers we're sending are actually good ones.
00:23:42.880 --> 00:23:48.799
There's one more earning possibility with Rakutin, and that's with in-store offers on a linked credit card.
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A lot of these stores are fairly niche stores, but there are some big ones on there, like IKEA.
00:23:54.319 --> 00:23:59.440
How in-store offers work is that you have to have a card linked in your Rakutin wallet.
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Then you also have to activate that specific in-store offer before you check out at that store and pay with that credit card.
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Then you earn usually two to four points per dollar spent.
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For me, it's pretty hard to remember to check and activate these.
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