333 DOCUMENTS READ · RE-READ WEEKLY · EVERY QUOTE DATED
Every company’s fine print has one sentence that decides what you get.
Return windows, cancellation deadlines, refund rules and the fees nobody advertises: quoted from the company’s own terms, with the date we read them.*
LATEST FINDINGS 
Wells Fargo: offer end date on both checking bonuses changed · Oct 15
Audible: end date of the Prime member banner offer changed · Oct 15
Spectrum: every public residential Refer a Friend page changed · Oct 3
AG1: What a new customer gets through a member's Refer a Friend link changed · Oct 3
Step: Terms of service date changed · Oct 3Step: Step's limited-time-offers page changed · Oct 3Step: Step Black price changed · Oct 3
Bluevine: Acquisition banner on the $500 terms page changed · Oct 3
Wells Fargo: offer end date on both checking bonuses changed · Oct 15Audible: end date of the Prime member banner offer changed · Oct 15Spectrum: every public residential Refer a Friend page changed · Oct 3AG1: What a new customer gets through a member's Refer a Friend link changed · Oct 3Step: Terms of service date changed · Oct 3Step: Step's limited-time-offers page changed · Oct 3Step: Step Black price changed · Oct 3Bluevine: Acquisition banner on the $500 terms page changed · Oct 3 The proof
Three clauses from the latest reads
Not summaries. Each one is a sentence sitting in a company’s own document, on a page you can open, with the date we read it.
Planet Fitness Your cancellation notice is due by the 10th. The annual fee needs it by the 25th of the month before. read Jul 30, 2026Read the page → 
Southwest Bag fees run on two tables split by a booking date, and “and/or changed” moves an old booking onto the higher one. read Jul 30, 2026Read the page → 
Steam Almost anything is refundable, until a VAC ban removes the right entirely. read Jul 30, 2026Read the page → Browse
What are you trying to find out?
It did not arrive12 answers You did everything right and saw nothing. Which published rule caught you, quoted from the terms. 
Cash App, Chase, Chime +9 What actually counts8 answers The definitions that decide whether you qualify, in the company’s own words rather than ours. 
Rakuten, Chime, TurboTax +5 What it is really worth6 answers The published figure, the conditions attached to it, and what the company declines to put a number on. 
Cash App, Chime, DoorDash +3 Is it legitimate, and is it worth it6 answers Whether the offer is real, what is documented, and the parts nobody has written down. 
Nexo, Rakuten, Cash App +3 The policy, decoded13 answers What the published return, refund or fee policy actually says: the windows, the exclusions and the numbers, quoted with dates. 
Costco, Amazon, Best Buy +10 How to cancel7 answers The deadline, the method the company will actually accept, and what it costs to leave. 
Planet Fitness, Canva, HelloFresh +4 Is it free2 answers What the free tier really includes, and the line where it stops. 
ChatGPT, Claude, Rakuten What we found across every offer14 answers Findings that come from reading all of them, which no single offer page can show you. 
Robinhood, Webull, Chase +11 Sign-up offers265 read & dated The number in the ad, and the number most people actually collect, with the condition that separates them. 
Chase, Chime, Kraken +262
Cash App, Chase, Chime +9 What actually counts8 answers The definitions that decide whether you qualify, in the company’s own words rather than ours. Rakuten, Chime, TurboTax +5 What it is really worth6 answers The published figure, the conditions attached to it, and what the company declines to put a number on. Cash App, Chime, DoorDash +3 Is it legitimate, and is it worth it6 answers Whether the offer is real, what is documented, and the parts nobody has written down. Nexo, Rakuten, Cash App +3 The policy, decoded13 answers What the published return, refund or fee policy actually says: the windows, the exclusions and the numbers, quoted with dates. Costco, Amazon, Best Buy +10 How to cancel7 answers The deadline, the method the company will actually accept, and what it costs to leave. Planet Fitness, Canva, HelloFresh +4 Is it free2 answers What the free tier really includes, and the line where it stops. ChatGPT, Claude, Rakuten What we found across every offer14 answers Findings that come from reading all of them, which no single offer page can show you. Robinhood, Webull, Chase +11 Sign-up offers265 read & dated The number in the ad, and the number most people actually collect, with the condition that separates them. Chase, Chime, Kraken +262 Start here
The thirteen worth your time first
Chosen for real payout against real effort. Every figure on this page is read from the same terms as the guide, so nothing here can drift out of date.
ChaseWorth it. $400 The biggest cash bonus on the site, and the strictest definition of a direct deposit. Nine ways to fund it that all pay nothing. KrakenWorth it if. $20 One real crypto trade, and you get paid. Move money into a stablecoin instead and the reward quietly never arrives. ChimeWorth it if. $100 Two deadlines decide this one: a single $200 deposit inside 45 days, then the plastic card activated within 14. 
SoFiWorth it if. $50 Most people collect $50. The headline number needs $5,000 of real payroll, and $4,999.99 pays the smaller tier. RobinhoodWorth it. $5 No deposit, and no link needed to get the stock. It is $5 for about 99 in 100 people, and $200 is the 1-in-1,000 draw. 
AllyWorth it. $100 The one bank offer here that needs no direct deposit at all. A recurring transfer of any size, three months running. 
tastytradeWorth it. $100 The best annual cap on the site, but your money sits for six months before it counts. 
Google FiWorth it. $60 You get bill credit for switching. Data-only SIMs and joining a group plan pay nothing. 
CoinbaseWorth it. $20 A guaranteed amount with a link, or a random wheel going direct. The fork locks at sign-up, permanently. 
Binance.USWorth it. $10 The flattest offer here: a $100 trade inside 30 days pays you $10, in dollars. New York and Texas are excluded. NexoWorth it if. $5up to $600 Most people stop at $5. The same $5,000 pays $100 if you collect all three payouts, and $600 is the $100,000 tier. RakutenWorth it. $50 Cash for you, but it rides the quarterly payout, and Amazon purchases do not count toward the threshold. 
LedgerWorth it if. $20 in BTCup to Only one kind of Ledger link pays the buyer, and it is not an affiliate link. A friend’s in-app link is the one worth up to $20 in Bitcoin. Every offer we have read, all 265 of them, in thirteen lists
From the examination log
Corrections we published and documents the monitor saw move, newest first. Wells Fargo Changed: offer end date on both checking bonuses Oct 15 Audible Changed: end date of the Prime member banner offer Oct 3 Spectrum Changed: every public residential Refer a Friend page Oct 3 AG1 Changed: What a new customer gets through a member's Refer a Friend link Oct 3 Nexo Corrected: Day 16 to Day 45 maintenance period Oct 3 
Greenlight Corrected: The quote runs word for word, lower case and ending with Greenlight's full stop. Everything that moved, with the lines that changed · Corrections
Closing soon
Dates the providers published themselves
Not a countdown, and not pressure. These are simply the end dates written into each offer’s own terms, nearest first.
J.P. Morgan Self-Directed Investingcash added to the new account, tiered by new money: $50 from $5,000, $150 from $25,000, $325 from $100,000 and $1,000 from $250,000 Oct 21, 2026 Citicash on a new Regular Checking account: $500 for a $30,000 balance or $1,500 for $200,000, in New-to-Citibank Funds; no direct deposit is asked for Oct 26, 2026 ButcherBoxyour pick of two 10 oz NY strips or two 6 oz filet mignons free in every subscription order for a year, or 3 lbs of chicken breasts free in every subscription order for life. No dollar discount Oct 27, 2026 TaxActat least 20% off a paid federal DIY return if a friend emails you the invitation. That is a floor rather than a fixed amount: the terms say a discount "of no less than 20% off" Oct 31, 2026 TurboTax20% off the preparation and filing of an individual or business federal return on a paid TurboTax Online or TurboTax Experts product, and nothing off a state return, a CD or download product, TurboTax Free Edition or any other add-on Oct 31, 2026