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PerkStreet Financial Rewards You With an Amazing 2% Cash Back Debit Card as Recommended by Dave Ramsey

This post may contain affiliate links. Please read our disclosure policy here.

November 5 by Alex 3 Comments

Earlier this year Cassie noticed that Dave Ramsey referred to PerkStreet FinancialSM as a financial services company that made a lot of sense – they offer a FREE checking account with a debit card that rewards you for using their card (the normal verbiage: non-PIN transactions of course).  From his recommendation we thought we would check them out – and we have been very happy users since.  We love they were founded to help families live debt-free by rewarding them for making smart spending choices and avoiding credit card debt and big banking fees.

First if you’ve been following the news, you know a lot of banking customers (us ourselves) are up in arms over the number of fees that banks are charging to use their debit cards.  Wells Fargo, Chase & SunTrust all charge somewhere in the range from $3-5 monthly just for using some of their debit cards.  The latest, Bank of America made the announcement they would charge a monthly $5 fee for the same.  If I understand correctly, they heard their customers loud and clear (or many ex-customers, that is) and have recently taken back that charge.  If nothing else, you can sense the winds of additional bank fees – as demonstrated by the Bank Transfer Day – a day dedicated for users to leave their current banks and transfer fully to a credit union solely because of bank fees for debit card use.

Here’s where the awesome part comes in – PerkStreet Financial offers their checking account and debit card without any maintenance fees and instead rewards you to use their debit card (on all non-PIN purchases) – and you can keep your current bank account!  Here’s what they say about themselves:

It’s an FDIC insured checking account that gives you more debit card rewards than any other account in America. When you use your PerkStreet Financial Debit MasterCard® without entering a PIN, you earn free coffee, music or 2% cash back, plus up to 5% cash back in popular categories.

So as you can tell, what’s amazing with PerkStreet Financial is that you can get 2% cash back just for using your card and making purchases you would normally make every day compared to our current bank that only offers 0.25% back – a HUGE difference!  PerkStreet Financial also states their average customer receives back $601 per year in perks – which means about a $50 card per month.  And yes, that’s one of our rewards cards above!

First, its free and easy to open an account.  Just click on this link to PerkStreet Financial and after you get to their site just click on the button below (you can’t miss it :)) to apply for an account – and as they have said before, it only takes a few minutes to fill out!

After they approve and create your account they will notify you and you can start using them for your purchases!

So here’s the nitty and the gritty:

  • Earn 2% cash back on all non-PIN debit card purchases for 3 months (90 days)
  • After 90 days, earn 2% cash back on every non-PIN purchases when your balance is $5,000 or more or earn 1% cash back for balances below $5,000. Either way, you won’t find another bank in America that gives you more rewards on debit .
  • Get 5% PowerPerks at rotating monthly categories and merchants (this month on movie and local bakery purchases)
  • No credit check. No annual fee. It’s free to get and free to use.

Finally, we’ll share with you more in the future on how you can maximize your perk rewards, but when you request your rewards you can receive them as assorted gift cards or – our favorite – CASH (in the form of a card as you see above).  We love taking those perks and paying some of our bills online.  How great it is to see our monthly budget reduced (even if just a little bit) just because we earned cash back spending wisely!

Click here to sign up today!

The PerkStreet FinancialSM Debit MasterCard® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated.

Filed Under: Daily Dose of Thrifty, Finance Tips & Resources, Free Stuff, Gift Cards, Money Making, Thrifty Tells

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Reader Interactions

Comments

  1. Jan

    Have read online reviews of PerkStreet Financial and heard of terrible customer service, surprising fees, etc. Wonder if you have current personal experience now?

    Reply
    • Alex

      Hi Jan – I’m actually shocked by the reviews you found as we have never seen a single fee (in fact, one of their marketing strategies is to state they have no fees compared to the big banks these days) and have been pleased with the customer service each time we have contacted them. In fact, we just received a comment from reader Nicole on FB that stated “I have used Perkstreet for about 3 months, I love it. The perks don’t expire. The CS is amazing. I love them!!”

      We truly have used them for almost a year now with no complaints – but we do love our cash back! 🙂 Hope this helps! ~Alex

      Reply
  2. Jigo

    is this available worldwide?

    Reply

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