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Cheese Card Promotions: 3% APY Deposit Welcome Bonus & Referrals

Diana Mason by Diana Mason
May 10, 2022 11:45 pm CDT
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This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Chase Total Checking $200 Bonus Chase Total Checking $200 Bonus Chase Total Checking $200 Bonus
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Cheese Card (earncheese.com) is welcoming new customers with a 3% APY deposit bonus for 30 days (referral below). Earn an additional 30 days of the boosted 3% APY rate for every person who claims their welcome reward using your unique referral link. More referral offers here.

Cheese is a fintech company that provides banking services catered to Asian communities. The checking account and debit card feature cashback rewards, interest, and low fees. Plus, you don’t need a Social Security number or credit check to apply. For more on Cheese and their current offers, keep reading.

READ MORE: See Popular Offers From Banks Like Chase Bank, Bank Of America, U.S. Bank, BMO Harris, And TD Bank

Cheese Card Offer: 3% APY Deposit Bonus

Enjoy a 3% APY deposit bonus for 30 days, capped at $25, when you use a referral link to join (mobile only) and fund your account. Without the bonus, the APY is just 0.3%. This offer is valid for new customers only.

Use one of the following referral links:

  • Referral link 1
  • Referral link 2
  • Referral link 3
  • Referral link 4

Cheese Card Referral Program

When you refer a friend, you both get a 3% APY deposit bonus for 30 days, capped at $25 per month. For every successful referral, you stack on another 30 days of the boosted 3% APY rate. Your referrals must join using your unique referral link and make a deposit to qualify.


Cheese Card Features

Minimum Deposit$0
Cash Back Rewards0.25% to 10%
APY0.30% to 3% APY
Direct DepositYes, up to 2 days early
Promotions3% deposit bonus for 30 days

The Cheese co-founder and CEO is a Chinese immigrant who created the company when he was repeatedly denied checking accounts at big banks in the United States, despite having an excellent credit score. He designed Cheese specifically for Asian-American communities and immigrants, but anyone is welcome to open an account. Notable features include:

  • 3% deposit bonus for 30 days with referral
  • 0.25% cashback on all purchases for up to $10 maximum daily
  • Up to 10% cashback with partnered Asian-owned businesses
  • Aims to raise $100,000 to support Asian-focused nonprofits
  • Direct deposit 2 days early
  • 33,000 fee-free MoneyPass ATMs
  • No credit check, apply with U.S. address, passport, and valid visa
  • Customer service in English and Mandarin

Your deposits are FDIC insured for up to $250,000.


Cheese Card Fees

Cheese does not charge any monthly or annual maintenance fee. The company does not have any overdraft fees (the transaction will just be denied), nor do they have any out-of-network ATM fees. They will, however, charge the following:

  • Foreign transaction fee
  • Debit card replacement fee
  • Incoming domestic wire fee (one waived per year)
  • Incoming international wire fee (one waived per year)

With their lack of banking fees, Cheese claims their customers save an estimated $329 per year.


Bottom Line

If you’re an immigrant who is having a hard time qualifying for a checking account, Cheese is an excellent solution. You might also want to consider signing up if you’re an Asian-American, or you want to support Asian-American communities. The account pays interest, gives cashback rewards, lets you get your paycheck two days early, and donates to Asian-American non-profits. It’s mostly free, and there is no credit check or Social Security number required to open an account.

If you’re an immigrant looking to take out a loan, check out Stilt. You don’t need to have a Social Security number or cosigner to apply. Stilt is currently offering a $25 cash bonus to new borrowers.

READ MORE: See The Best Bank Promotions Here And The Best Investing Promotions Here

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Diana Mason

Diana Mason

Diana's passion for travel eventually led to her separation from the 9 to 5 office life and into the arms of freelance work. Cali-born and Philly-bred, she's a creative professional with a delightful knack for words. When she's not gallivanting across the globe, Diana can be found writing (of course), teaching yoga and dreaming of her next big adventure.

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