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59 questions answered

Every question we have answered by reading the actual document.

These are the pages that answer a question rather than describe an offer. Each one exists because a rule buried in somebody’s terms costs people money. Every figure on every page is a direct quote from the company’s own document, with the URL we read it on and the date we read it. Where a company publishes no number, we say so.

If you are looking for a specific company, the full offer directory covers every programme we have examined, and how we work explains the standard all of this is held to.

Start here

Good places to begin

A different shape of question in each one, so you can see what these pages do before you pick one. Every date on this page is the day that page was last updated. The date we read the company’s document is printed on the page itself, and the two are not always the same.

The policy, decoded Costco's Return Policy: No Deadline, Except the Exceptions Costco names a deadline only for its exceptions. We read its own page, table every exception, and checked its published version history. Updated Jul 30, 2026 How to cancel How to Cancel Planet Fitness: The Three Deadlines Three ways to cancel, three separate deadlines. Notice by the 10th stops the monthly fee. The annual fee needs the 25th of the month before. Updated Jul 30, 2026 What actually counts What Counts as a Direct Deposit? 10 Banks, Side by Side Payroll and government benefits count. Zelle, self-transfers, mobile check deposits and tax refunds do not. What ten banks each accept, side by side. Updated Jul 25, 2026 It did not arrive Referral Bonus Not Paid? Run This Checklist First Six reasons a sign-up or referral bonus never lands, how to tell which one hit you, what is still fixable, and how to write a ticket that gets resolved. Updated Jul 25, 2026 What we found across every offer Return Windows Compared: 6 Major US Retailers How long you really have to return something at Costco, Home Depot, Walmart, Target, Amazon and Best Buy. Every window quoted from the source and dated. Updated Jul 31, 2026 Is it free Is ChatGPT Free? Yes, and Here Is the Real Cost ChatGPT's free plan is $0 on OpenAI's own pricing page. The cost is your Content, used for training unless you opt out, plus a work-email clause. Updated Jul 31, 2026

It did not arrive

12

You did everything right and saw nothing. Which published rule caught you, quoted from the terms.

Cash App Referral Bonus Not Received? The Rules That Decide ItCash App referral bonus missing? The 14-day clock starts at the code, the $5 must go to someone else, the card must stay linked, and payment takes up to 30 days. Updated Jul 27, 2026 Chase Bonus Not Received? The 7 Reasons, and the 15-Day RuleChase promises the $400 bonus within 15 days of you finishing the requirements. Count from the day your deposits crossed $1,000, then check these six other sentences. Updated Jul 27, 2026 Chime Referral Bonus Not Paid? The 4 Rules That Block ItChime bonus missing? It needs one single $200 deposit of the right kind, a card activated within 14 days of that deposit, all inside 45 days of opening. Updated Jul 27, 2026 DoorDash Credit Expiry: Six Months, and It Will Not Pay Your TipDoorDash credit expires 6 months from the date of issue and applies to order subtotals only, excluding gratuity and alcohol. The clauses quoted, the arithmetic worked. Updated Jul 27, 2026 DoorDash Referral Credit Not Received? The 6 Documented CausesDoorDash credit missing? Any prior record of your name, email, phone or card voids the new-user offer at checkout. Plus the 6-month clock and the tip exclusion. Updated Jul 31, 2026 Instacart Credit Not Received? The 4 Reasons, and What Each MeansInstacart credit missing? It pays in credit not cash, splits across two orders each needing its own $35, and only triggers once a delivery completes. Updated Jul 27, 2026 Nexo Bonus Not Paid? 5 Reasons and What to Do About EachNexo bonus missing? Run the 90-second check: the five causes, which are fixable, what you can still collect, and how to write a ticket that gets resolved. Updated Jul 31, 2026 Rakuten Bonus Not Paid? 8 Reasons, and Which Ones Are FixableMost missing Rakuten bonuses are early, not lost. The confirmation lag, the quarterly check, the $5.01 rollover and the five real failures, each quoted from Rakuten. Updated Jul 27, 2026 Referral Bonus Not Paid? Run This Checklist FirstSix reasons a sign-up or referral bonus never lands, how to tell which one hit you, what is still fixable, and how to write a ticket that gets resolved. Updated Jul 25, 2026 Robinhood Free Stock Not Received? Why, and What to DoThe gift stock is triggered by linking a bank, not by signing up, and it expires 60 days after issue. The nine documented reasons it never arrives. Updated Jul 31, 2026 TurboTax Discount Not Applied? The Cart Keeps One OfferThe TurboTax referral 20% cannot stack, and the cart silently keeps whichever offer is worth more. How to tell which rule caught you, and who actually loses. Updated Jul 27, 2026 Uber Eats Promo Code Not Working? The Three ClocksAn Uber Eats referral has three separate expiry clocks and a new-user test. Find which one killed your code, whether it can be revived, and what to do next. Updated Jul 27, 2026

What actually counts

8

The definitions that decide whether you qualify, in the company’s own words rather than ours.

Do Amazon Purchases Count for Rakuten? No, and Here Is WhyNo. Rakuten's terms exclude Amazon.com from qualifying purchases, even while Rakuten pays cash back on Amazon orders. What actually counts toward the $50. Updated Jul 31, 2026 Does Apple’s Warranty Cover a Cracked Screen?Apple's one-year warranty covers defects, not accidents. Clause (d) excludes a cracked screen by name. Here's what AppleCare+ changes, and its published fees. Updated Jul 31, 2026 Does Claude Have a Discount Code? No, and Anthropic Says SoAnthropic's own help centre: no standing discounts, and support cannot issue coupons. The four real ways Claude's price moves, and how to spot a fabricated code. Updated Jul 31, 2026 Does My Direct Deposit Count for Chime? The Full List, QuotedChime publishes exactly what counts as a qualifying direct deposit and what does not. Both lists quoted in full, plus the $200 rule that catches gig workers. Updated Jul 31, 2026 Does TurboTax Have a Coupon? No Public Code ExistsIntuit's own pages: TurboTax has no public coupon code, the cart keeps only the best single offer, and every real discount arrives by link or by rank. Updated Jul 31, 2026 What Counts as a Direct Deposit? 10 Banks, Side by SidePayroll and government benefits count. Zelle, self-transfers, mobile check deposits and tax refunds do not. What ten banks each accept, side by side. Updated Jul 25, 2026 What Counts as a Direct Deposit at Chase?On one Chase page a tax refund waives the $15 monthly fee and is expressly excluded from the $400 bonus. Both rules quoted, plus the complete exclusion list. Updated Jul 27, 2026 Who Counts as a New TurboTax Customer? The Tax Year 2024 TestTurboTax's referral defines a new customer as someone who did not file tax year 2024 with TurboTax. A new email does not make you new. The wording, and its edges. Updated Jul 27, 2026

What it is really worth

6

The published figure, the conditions attached to it, and what the company declines to put a number on.

Cash App Referral Bonus: $10, Not the $5 Everyone QuotesCash App's own terms name a $10 referral bonus. The $5 everywhere in search results is the payment you must send to qualify, not the reward. Both quoted here. Updated Jul 27, 2026 How Much Is the Chime Referral Bonus? $100 One Side OnlyChime publishes one referral figure and it belongs to your friend: $100. For the referrer it publishes no amount at all. Exactly what it does and does not say. Updated Jul 31, 2026 How Much Is the DoorDash Referral? DoorDash Refuses to Print ItDoorDash's referral terms run 887 words and contain no dollar sign at all. The amount lives inside the referrer's account. We counted, quoted and linked every page. Updated Jul 27, 2026 How Much Is the Uber Eats Referral Worth? Uber Will Not SayUber's referral rules run about 2,300 words and contain no dollar figure at all. The amount is set by city and shown only in the app. Quoted, with the URLs. Updated Jul 27, 2026 How to Maximize Your Instacart Credit: Two Orders, Not OneThe Instacart referral credit arrives as separate coupons, each needing its own $35 order at one retailer. Spend it in one shop and you collect part of it. Updated Jul 27, 2026 Maximize Your Nexo Bonus: Turn $5 Into $100+ (2026 Guide)The same $5,000 pays $5 or $100 depending on what you know. The seven moves, the day-by-day calendar, and the tier cliffs of the Nexo sign-up bonus. Updated Jul 21, 2026

Is it legitimate, and is it worth it

6

Whether the offer is real, what is documented, and the parts nobody has written down.

Is Nexo Safe in 2026? A Straight Answer Before You DepositThe two-sided answer before you deposit $5,000: Nexo's track record, the 2023 US settlement in plain English, what protects you, and a 5-minute checklist. Updated Jul 21, 2026 Is Rakuten Worth It? The Honest Case For and AgainstYes, with conditions. We earn if you join through us, so here is the case against as well as for: the quarterly wait, the Amazon exclusion, and who should skip it. Updated Jul 27, 2026 Is the Cash App Referral Legit? What Cash App Actually PublishesYes, and here is the proof: Cash App's own dated legal terms name a $10 bonus, a $5 send, a linked card and a 30-day payout. Plus what it never publishes. Updated Jul 27, 2026 Is the Chase $400 Bonus Worth the $15 Monthly Fee?A $400 bonus on a $15-a-month account is only $400 if you waive the fee. The four waiver routes, and why a tax refund kills the fee but not the bonus. Updated Jul 31, 2026 Is the Instacart Referral Legit? Yes, and Here Is the CatchYes, it is Instacart's own program. But it pays credit rather than cash, splits across two orders, and the $40 appears nowhere in the actual terms. Updated Jul 27, 2026 Is the Uber Eats Referral Worth It? An Honest VerdictYes, if you are genuinely new to Uber Eats and a friend sends the invitation. Uber publishes no amount, so here is the decision rule that works without one. Updated Jul 27, 2026

The policy, decoded

10

What the published return, refund or fee policy actually says: the windows, the exclusions and the numbers, quoted with dates.

Amazon Prime Refunds: The Undefined ConditionAmazon's refund rule is conditional: paid members who haven't used their benefits get up to a full refund. Amazon never says what counts as used. Quoted, verbatim. Updated Jul 31, 2026 Amazon Return Policy: 30 Days From DeliveryAmazon's standard window is 30 days from delivery, not order date. Every exception, restocking fee, and non-returnable item, quoted from Amazon's page. Updated Jul 30, 2026 American Airlines Bag Fees: The Ticket Date Sets ItAA's bag fee is set by the day the ticket was issued, not the day you fly. The published tiers, the $5 online discount and the 45-day refund window, quoted. Updated Jul 31, 2026 Best Buy Return Policy: 15 Days, Not 30Best Buy gives most products 15 days to return, not 30. Members get 60. Restocking fees run $45 flat or 15% of price, quoted from Best Buy. Updated Jul 30, 2026 Costco's Return Policy: No Deadline, Except the ExceptionsCostco names a deadline only for its exceptions. We read its own page, table every exception, and checked its published version history. Updated Jul 30, 2026 Home Depot Return Policy: 48 Hours to 365 DaysHome Depot runs five return windows: 90 days standard, 30 for furniture, 7 for dehumidifiers, 48 hours for appliances, 365 with a store card. Updated Jul 30, 2026 Southwest Checked Bag Fees: $35 to $55, by Booking DateSouthwest checked bags now cost $35 to $55 depending on when you booked, and changing an old booking can move you to the newer price. The tables, quoted. Updated Jul 30, 2026 Steam Refund Policy: The Rule for Every Purchase TypeTwo hours of playtime decides most Steam refunds. DLC, in-game items, pre-orders, subscriptions, wallet funds, bundles and gifts each run their own clock. Updated Jul 30, 2026 Target Return Policy: 90 Days, Sometimes 30Target says 90 days for most items, but also 30, with no stated rule for which. We quote both and cover the real 365-day window on owned brands. Updated Jul 30, 2026 Walmart Return Policy: 90 Days, or 30 for MarketplaceWalmart gives 90 days on most purchases, but only 30 if a Marketplace seller shipped it. How to tell which applies, quoted from Walmart's own policy. Updated Jul 30, 2026

How to cancel

4

The deadline, the method the company will actually accept, and what it costs to leave.

How to Cancel Adobe: the 50% Fee Only Hits One PlanAdobe charges 50% of the rest of your contract only on the annual plan billed monthly. Month-to-month costs nothing to leave. Quoted from the terms. Updated Jul 27, 2026 How to Cancel Canva, and What You Get BackCancel any time in account settings. It takes effect at the end of your billing cycle, and Canva's terms say no refund of fees already paid. Updated Jul 31, 2026 How to Cancel Claude, and What You Do Not Get BackCancel in Settings, Billing. Anthropic's terms require it at least 24 hours before the last day of your term, and all payments are non-refundable. Updated Jul 27, 2026 How to Cancel Planet Fitness: The Three DeadlinesThree ways to cancel, three separate deadlines. Notice by the 10th stops the monthly fee. The annual fee needs the 25th of the month before. Updated Jul 30, 2026

Is it free

2

What the free tier really includes, and the line where it stops.

Is ChatGPT Free? Yes, and Here Is the Real CostChatGPT's free plan is $0 on OpenAI's own pricing page. The cost is your Content, used for training unless you opt out, plus a work-email clause. Updated Jul 31, 2026 Is Claude Free? Yes, and Here Is Exactly Where It StopsClaude's free plan is $0 on Anthropic's own pricing page, with no card. Where it stops: no Opus, no Projects, and a five-hour limit Anthropic never numbers. Updated Jul 27, 2026

What we found across every offer

11

Findings that come from reading all of them, which no single offer page can show you.

Are Sign-Up Bonuses Taxable? The Plain-Words AnswerBank bonuses, crypto rewards, free stock and cash back are not taxed the same way. What each one generally counts as, what to write down, and who to ask. Updated Jul 25, 2026 Bank Bonuses You Can Get With No Direct Deposit at AllOne bank route needs no payroll at all: a recurring transfer of any amount, three months running. What it pays, who it fits, and what the alternatives cost. Updated Jul 31, 2026 Dead Referral Programs: 7 That Pay Nothing in 2026Exodus, Swan, Blockchain.com, Trust Wallet, Bitcoin Depot, Zengo and Ally's GET300 are gone or paused, yet coupon sites still sell them. The evidence for each. Updated Jul 31, 2026 Referral Programs That Ban Deal Sites, and What to DoVenmo, Bitrefill, Greenlight, Upside, US Mobile and TopCashback restrict or ban referral links on sites like ours. The rules, quoted, and how to get paid. Updated Jul 27, 2026 Refer a Friend Programs That Pay Only the ReferrerRevolut, CEX.IO, Kinsta and Step pay the person sharing and give the new customer nothing. The clauses, quoted, and how to spot the shape early. Updated Jul 31, 2026 Referral Terms That Contradict Themselves: 5 CasesFive companies whose own pages disagree about their own offer. Nexo, Crypto.com, TaxAct, SoFi and Kinsta, quoted both ways, and the rule that settles it. Updated Jul 27, 2026 Return Windows Compared: 6 Major US RetailersHow long you really have to return something at Costco, Home Depot, Walmart, Target, Amazon and Best Buy. Every window quoted from the source and dated. Updated Jul 31, 2026 Robinhood Free Stock Odds: 99% Get $5, 0.1% Get $200Robinhood publishes the odds itself: 99% get $5, 0.9% get $10, 0.1% get $200. The average works out to $5.24, and four clocks are attached. Updated Jul 27, 2026 Free Stock Lock-Ups and Clawbacks, 7 Brokers ComparedFree stock is not free to leave. Robinhood, Public, Webull, moomoo, M1, tastytrade and Acorns compared on holding periods, clawbacks and transfer rules. Updated Jul 25, 2026 Is the Webull Free Stock Real? What You Actually GetYes, the shares are real. But Webull's own live pages disagree on how many you get and what each is worth, and it publishes no odds today. Updated Jul 27, 2026 Why Referral Codes From Deal Sites Do Not Work Updated Jul 31, 2026

Does it have a coupon

9

Products whose own documents say there is no discount for you. We quote the sentence and date the reading, so you can stop looking.

ClaudeNothing Examined Jul 27, 2026 ElevenLabsNothing Examined Jul 27, 2026 HubSpotNothing Examined Jul 27, 2026 KinstaNo coupon Examined Jul 27, 2026 MidjourneyNothing Examined Jul 27, 2026 Murf.aiNothing Examined Jul 27, 2026 SemrushNothing Examined Jul 27, 2026 Surfer SEONothing Examined Jul 27, 2026 systeme.ioNothing Examined Jul 27, 2026

Why these pages exist at all

An offer page tells you what a company says it will give you. These pages tell you what has to be true before it actually does, which is where the money is usually lost. The pattern is almost always the same: a deadline measured from an event you did not notice, a definition of “qualifying” that excludes the obvious thing, or a figure the company simply never published while everyone else on the internet quotes one anyway.

New bonuses worth claiming, the ones that quietly get worse, and every new guide as we publish it.

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