WE READ THE FINE PRINT · 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 
U.S. Bank: the end date changed · Nov 11
Afterpay: Which purchases the $15 referral credit can be used on changed · Nov 8
Moomoo: How the free-stock hold is measured, and how long the $10,000 tier must hold changed · Nov 8
Affirm: Credit report pulls while you keep an account changed · Nov 6
Ally: the enrollment deadline for new friends changed · Nov 4Affirm: Terms of Service date changed · Nov 3
Albert: Terms of Use last-updated date changed · Nov 3
Apple Card: the date on Apple's page about how applications are evaluated changed · Nov 3
U.S. Bank: the end date changed · Nov 11Afterpay: Which purchases the $15 referral credit can be used on changed · Nov 8Moomoo: How the free-stock hold is measured, and how long the $10,000 tier must hold changed · Nov 8Affirm: Credit report pulls while you keep an account changed · Nov 6Ally: the enrollment deadline for new friends changed · Nov 4Affirm: Terms of Service date changed · Nov 3Albert: Terms of Use last-updated date changed · Nov 3Apple Card: the date on Apple's page about how applications are evaluated changed · Nov 3 The proof
Three clauses worth knowing
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 and more What actually counts8 answers The definitions that decide whether you qualify, in the company’s own words. 
Rakuten, Chime, TurboTax and more 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 and more 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 and more 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 and more How to cancel7 answers The deadline, the method the company will actually accept, and what it costs to leave. 
Planet Fitness, Canva, HelloFresh and more Is it free2 answers What the free tier really includes, and the line where it stops. 
ChatGPT, Claude, Rakuten Side-by-side comparisons12 answers How companies compare on the same rule, side by side. 
Robinhood, Webull, Chase and more Sign-up offersRead & dated The number in the ad, and the number most people actually collect, with the condition that separates them. 
Chase, Chime, Kraken and more
Cash App, Chase, Chime and more What actually counts8 answers The definitions that decide whether you qualify, in the company’s own words. Rakuten, Chime, TurboTax and more 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 and more 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 and more 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 and more How to cancel7 answers The deadline, the method the company will actually accept, and what it costs to leave. Planet Fitness, Canva, HelloFresh and more Is it free2 answers What the free tier really includes, and the line where it stops. ChatGPT, Claude, Rakuten Side-by-side comparisons12 answers How companies compare on the same rule, side by side. Robinhood, Webull, Chase and more Sign-up offersRead & dated The number in the ad, and the number most people actually collect, with the condition that separates them. Chase, Chime, Kraken and more Start here
Sign-up offers worth a look
ChaseWorth it. $400 A big cash bonus, and a strict 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 A bank offer that needs no direct deposit at all. A recurring transfer of any size, three months running. 
tastytradeWorth it. $100 A high annual cap, 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 A flat offer: 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 BTCat most Only some Ledger links pay the buyer a bitcoin voucher, $5 to $20 by device. Look for the voucher card before you buy. What changed lately
Corrections we published and terms that changed, newest first.Everything that moved U.S. Bank Changed: the end date Nov 8 Afterpay Changed: Which purchases the $15 referral credit can be used on Nov 8 Moomoo Changed: How the free-stock hold is measured, and how long the $10,000 tier must hold Nov 6 
Capital One Savor Corrected: "Existing or previous cardmembers are not eligible for this bonus if they have received a new cardmember bonus for this product in the past 48 months" Nov 6 Affirm Changed: Credit report pulls while you keep an account Nov 4 Ally Changed: the enrollment deadline for new friends Closing soon
Dates the providers published themselves
The end dates written into each offer’s own terms, nearest first.
Bettermentcash paid into a Betterment managed investing account, tiered by new money: $100 at $1,000, $125 at $10,000, $250 at $25,000, up to $2,000 at $200,000; no referral link needed Nov 30, 2026 Moomooin Anthropic stock; $1,000 needs $100k parked up to 180 days Nov 30, 2026 tastytradecash for a $1,000 deposit; the current program window runs through Nov 30, 2026 Nov 30, 2026 TD Bankcash: $200 on TD Complete Checking or $300 on TD Beyond Checking; the advertised $500 adds $200 for holding $10,000 in a new Signature Savings account Nov 30, 2026 Southwest Rapid Rewardsup to 90,000 Rapid Rewards points as the welcome bonus on a Southwest personal card from Chase when the friend applies by 12/7/26, or up to 80,000 on a business card, applied for through a cardholder's referral link Dec 7, 2026