About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. Hi- Thank you! I just signed up but how do I create the referral link? Thanks and I appreciate any help.

  11. Would appreciate if you would use my referral link. zerofinancial.com/EARLY17181

    Thanks in advance!

  13. Thanks (and good karma)to anyone willing to use my link!

    Here it is:

    zerofinancial.com/EARLY21794

  17. I would really appreciate the help if anyone wanted to use my link~

    Thanks

    zerofinancial.com/EARLY21794

  22. ta-da. Durbin amendment was a big lose for people who would rather pay with their own money. My link is

    zerofinancial.com/EARLY22108

  27. I was having difficulties to get it to work and found a few things to help:

    I used internet explorer to open the site:

    (Here’s my link zerofinancial.com/EARLY22621 )

    It looks like you need to add your e-mail address as well as someone else’s code in the links eg. EARLY22621

    Maybe the servers were just impacted more than they thought but figured I share what I knew.

  30. The links weren’t working for me last night (flash problem?) but I was successful using explorer/edge this morning. Please feel free to use my link too as you work your way down the line. Thank you!

    zerofinancial.com/EARLY22876
    code: EARLY22876

  33. I used Lucas’ so in conga line fashion, please use mine zerofinancial.com/EARLY23172
    thanks!

  37. Don’t you people have any friends, or family that can send their email rather than posting it here?
    My question is how the company knows the link was posted on social media rather than just emailed to someone?

  39. This card makes little sense. All the purported “benefits” that they tout are entirely illusory. Everything is in one spot… yay! No need to pay a monthly bill… yay! But, you have to deposit money into your account in order to cover your purchasing, which is *exactly* the same thing as paying a bill. The only difference here is that you’re not exposed to potential finance charges. But, if you pay your bill every month (which you should be doing), then this is no benefit at all. The spending requirements required to beat readily available cards right now are outrageous, and they will leave your awards accrual well behind what you’d get with those cards. And, in the event of problems (like theft or disputes with merchants), it is *your* money on the line. While you wait for someone to make a decision about a charge with a shady online merchant… that’s *your* money, rather than a bank’s money, that is held hostage out there in the cloud. And, this little startup… what if they go belly-up in six months?

    I’ll stick with my Double Cash and make 2% on every single dollar, without having to act as a marketing agent for the card company.

  40. Yeah, seriously. Read the early access FAQ before blindly signing up like a lemming. Just sharing a referral link gets you *nothing.* The front-end language all just refers to referring people “to sign up,” which sounds like just sharing gets you level-up opportunity. But, look at the early-access FAQ, and it’s clear that you can “level up faster if [you] successfully invite friends to also sign up.” If people don’t actually get the card with your link, you get nothing, and you just sit at 1%. You have to constantly work on their behalf to get new customers for them in order to level up. (Think about that math… you need three sign-ups to get your higher earn, so does everyone else… every year… ).

    This card is dumb.

  41. Just get an Alliant cash back card. 3% the first year, 2.5% from then on. Easy as pie. I learned about this originally on a blog post, but they must not give any referral bonus because none of the bloggers mention it anymore.

Comments are closed.