| Rakuten referral links: only on pages you own | Rakuten | Rakuten's terms list posting your link on a page you do not own and control as disqualifying conduct, naming forums and Facebook. | Jul 21, 2026 |
| ChexSystems: who pulls and who cares | Cross-institution | Which banks check your banking history, how hard, and how many new accounts they'll tolerate. | Jul 7, 2026 |
| Discover referral links: social sharing invited | Discover | Discover is the only card issuer we have checked whose own page invites you to share your referral link on social media. | Jul 21, 2026 |
| The 48-month Sapphire rule | Chase | One Sapphire bonus per 48 months, counted from when the last bonus was received. | Jul 7, 2026 |
| Axos referral links: no paid ads, automation, or bulk messaging | Axos Bank | Axos says links are intended for personal sharing and prohibits three specific methods, but stops short of banning public posting. | Jul 21, 2026 |
| Betterment referrals: people you know and a disclosure | Betterment | Betterment asks you to invite only people you know personally, and requires you to disclose that you are compensated for the referral. | Jul 21, 2026 |
| Public referrals: direct personal relationship required | Public | Public requires a direct, personal relationship with anyone you refer, and bars sharing your link by advertising or similar means. | Jul 21, 2026 |
| The 5/24 rule | Chase | Five or more cards opened across all issuers in 24 months → automatic Chase denial. | Jul 7, 2026 |
| Coinbase referrals: no keyword ads and consent to contact | Coinbase | Coinbase bars paid advertising on its own brand terms and requires consent before you send anyone your link, but does not ban public posting. | Jul 21, 2026 |
| American Express referral links: people you know only | American Express | American Express asks you to refer only people you know personally, so posting your referral link publicly puts the bonus at risk. | Jul 21, 2026 |
| M1 referral links: friends and family only | M1 | M1's terms limit referral links to friends and family and bar publicly advertising M1 in any fashion. | Jul 21, 2026 |
| American Express once-per-lifetime & the pop-up | American Express | One welcome bonus per card product, ever. It's enforced by a pre-submission pop-up you can safely test. | Jul 7, 2026 |
| tastytrade referrals: no bulk email, no coupon sites | tastytrade | tastytrade bars bulk email and posting on coupon or referral-traffic sites, but does not address a personal blog or forum either way. | Jul 21, 2026 |