We are now officially in 2023 and I thought it would be a good idea to have a look at the most popular posts from 2022. This will be broken down into the following two categories:
- New posts. This is for posts written in 2022
- Old posts. This is for posts written before 2022
I’ll also be including posts that have expired, but they will be clearly labelled.
Most Popular Posts In 2022
- [Expired] [Targeted] Amazon: Get Up To $80 Off When Using 1 Membership Rewards Point
- SoFi Checking & Savings $250 Signup Bonus (Nationwide; Requires $5,000 Direct Deposit)
- [Expired] Wells Fargo $300 Checking Bonus – Available Online
- [Expired] Truist $500 Checking Bonus [AL, AR, GA, FL, IN, KY, MD, MS, NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC]
- Citi Premier 80,000 Points Signup Bonus
- [Expired] Amazon Prime Day 2022 Stickied Post (Updated Constantly)
- [Expired] Teachers Federal Credit Union $400 Checking Bonus
- U.S. Treasury I Bonds FAQ (When To Buy $10,000 I Bonds? 9.62%? And More…)
Most Popular Old Posts In 2022
- Best Bank Account Bonuses
- Best Current Credit Card Sign Up Bonuses & Offers
- Best High Yield Savings Accounts – up to 5% APY
- List Of Methods Banks Count As Direct Deposits
- DoorDash Promo Codes
- [Expired] Chase $600 Checking + Savings Bonus (Available Online)
- More Recent Comments
- [Update] Wow! US Treasury Bonds Rate Set To 9.62% (I Bonds)
- [Targeted] 20,000 Membership Rewards Points For Enrolling In Pay Over Time
- [Expired] U.S. Bank $400 Checking Bonus
- Best Brokerage Bonuses – Earn Up To $5,000
Our Verdict
The highest visited pages aren’t a huge surprise, although it’s still rewarding to see some that take the most effort to keep updated (e.g direct deposit page) so frequently visited. The main thing that stands out to me is that the majority of popular new posts were nationwide bank bonuses. I’m not sure if that is because 2022 was particularly weak for credit card bonuses or our coverage of bank bonuses is significantly better than other sites out there.
And your nominees for Sleeper Post of the Year? (Not that popular, but fun/valuable/oddball/delicious).
William Charles . 
Chuck .
I’d like to highlight: https://www.doctorofcredit.com/backyard-beans-12-free-cold-brew-cans-after-rebate-each-month-select-states/
Fast payout without a ton of emails. Tasty coffee (though to each their own). $100+ in extra grocery category spend. Quietly available in a bunch of places.
I’m really surprised the $1500 WF bonus didn’t make the cut, since it was by far the best biz banking SUB in 2022 and possibly in years to come.
I am the biggest fan of DoC, and can’t wait to see what y’all do next!
Upvote my comment if you agree!
Still can’t believe they did that. No complaints here tho!
I think longevity of a deal plays a big role
I can’t believe I missed that
Lmao, I was in vacation in Hawaii that week and still applied for it! 😆 Covered a solid chunk of my vacation with it!
To be honest I have no clue, dude. I’m not holding my breath for another one but damn.
Deal died quickly and was never reposted
I would say, yes, your coverage of bank bonuses is significantly better than the rest. Keep up the good work!
I was like how did Teachers Credit Union not make the cut? I clicked through “[Expired] Federal Credit Union $400 Checking Bonus” and VOILA! there it is!
Updated the title there and here. Not sure how I made it this long without fixing that title, lol
Thanks to DOC, I took in over $4K in easy-as-pie bank bonuses in 2022. That’s real money! This is by far the best website for discovering money-making and money-saving opportunities. Give yourselves a pat on the back and a hearty well done.
$12k in 22, thanks to this site!
Thanks for everything DOC. My favorite comments were for the bank that being Christian was a requirement. Y’all make me laugh.
Coin releases…!
My favorites are the best brokerage bonuses…since when those are applicable to Roth IRA they let me break the contributions limit since the bonus counts as earnings and then I never owe any taxes on it…and also the rare and not listed above fintech and debit card spend cash back bonuses that also are tax-free. Glad one of my favorites made the top list! Thank you both for keeping up this site!
Interesting! I never thought of the Roth angle. (But legally maybe it does count against the annual contribution, technically?)
I guess you’ve been investing for a while if you have enough in your Roth to meet these bonuses.
I had the same question before, but yeah, it would be considered interest/dividend/misc income and not count as a contribution. If it were a taxable account, you’d get a 1099 for it.
I did start immediately in high school, but I was farming for these Roth IRA bonuses as many times a year as possible to push the limit from my fourth year contributing (you can get these bonuses at a lower level even with $5k-$25k, and there is no lost time in the market and ACAT transfer fees start being refunded at even this range depending on where you move it). This is of exceptional value that such bonuses are not reported as income annually also for purposes of keeping gross income low.
It is actually illegal to count as a “contribution” any credit or deposit sourced from the IRA custodian as payer, since a contribution to an IRA must come from “compensation” as defined in 26 U.S. Code § 219 and derived relative to the annual income limiting Roth IRA contributions of any amount [26 U.S. Code § 408A(c)(3)] and the requirement for earned income to set the annual contribution limit above $0 [26 U.S. Code § 408A(c)(2)] to the lesser of either your earned income or the value annually set by the IRS (with or without catch-up contributions).
That is legally why any amount from the IRA custodian must be treated instead as earnings in the account. Practically, the reason the code was so designed is: if a taxable or even penalized withdrawal from the IRA were taken, the “contribution” would receive favorable tax treatment, which could lead to far worse short-term results for long-term tax funding of the federal government. A consequence is that Roth IRA bonuses are available even to those who are ineligible to make any annual contribution to any kind of IRA, so it can be a primary source of growing the Roth IRA for those who can no longer contribute (whether for reason of excluded work that doesn’t generate taxable wages, unemployment, retirement, disability, etc.).
Since there is also no limit to the number of Roth IRA, you may continue to divide and grow them at the fastest rate you can devise given a good sense of timing throughout your life.
Yes, exactly: when you are hitting the bonuses full-throttle in rapid succession when allowable by the funding/holding restrictions, a good sense of timing and a few minutes of consideration a month go a long way to plan your holdings (though really that could be said even if just doing it annually). This is a pain to do in traditional brokerage accounts where every trade can have repercussions on taxable events in every other brokerage account. I still reinvest dividends (especially now, the whole “fractional shares” thing really hadn’t hit it off when I first started doing this…now so long as both brokerages allow holding the same fractional shares you usually can transfer between them without liquidating anything), but I trade off between my long-term holdings at controlled intervals. Since buying and selling in tax advantaged accounts can mitigate these taxation concerns (in some cases entirely), you have considerably greater freedom to re-balance your long-term holdings when you choose (which I have usually done quarterly and at intentional intervals from any quarterly dividend payments in the holdings to be transferred). So while I maintain the same long-term holdings, I usually switch between them as needed and have some which are easier to keep out of fractional/partial share territory. Another tool I’ve sometimes used, depending on the IRA custodian, are mutual funds. These can be bought with any residual left in cash so everything stays invested in the same asset classes and/or investment archetypes (or in the case of VTI/VTSAX even identical holdings); and, even if the custodian you are transferring the bulk to doesn’t offer this, you can always peel off part to a firm where they will accept ACATS there and reimburse any transfer fees (even if it’s one you already have an account with for that purpose). There are traps though for the ill-considered immobile investment. For instance, firm-exclusive funds like the zero expense ratio funds from Fidelity render your holdings unable to be transferred any longer for this purpose without changing to another equivalent asset first, and if there’s nothing close enough (i.e.: not one of the plethora of S&P 500 mimics) you are effectively going to be modifying your portfolio beyond what could be in your best interest to re-balance if you don’t pay attention. So instead I hold these in accounts where I wouldn’t want that money anywhere else anyway (for instance, Fidelity’s HSA is superior to almost any other HSA for most purposes, and in every aspect for myself…so I have no reason to seek out other HSA and move those funds). Granted, this means I’ve usually always had 4-6 different holdings across my IRA accounts and at times even up to 9 holdings at once across them all when peeling off small parts to get bonuses at multiple firms simultaneously that had far more restrictive portfolios (or provisions that holdings could not be further purchased while at that custodian for instance). If you do something on a whim (as in, it got posted right… Read more »
Are those actual DoC posts? Thanks!
Yes, for instance there’s a small one right now for spending bonuses on the recently posted Future debit card ($10 back on first purchase of $10+, $5/500 points every $25/2,500 points accumulated without redemption that I think is limited now for new accounts to only once) on top of its uncapped 1% (beyond account limits I suppose), up to 5% on what amounts to create-your-own category receipt-by-receipt cash back, and up to 6% cash back on fixed vendors. I also prefer the long-term capability of this account (of course I’ve been using it since 2020 and last month it received an unwelcome nerf on payment of other financial instruments…all good things come to an end). However, the hundreds I’ve made on the account spending plus the thousands on cash back from it just doing what I’d be doing anyway has been a significant value to me (and of course I’d hope it always continues but it has never worked out that way that I’ve found the perfect/forever card). That said, this isn’t Doctor of Debit and I totally respect that this site is an incredibly valuable resource for things other than debit cards and generally it’s easier to target credit card bonuses and cashback (while every neighborhood financial institution can muster a debit card benefit program, it tends to be financial institutions of considerable clout that offer credit card incentives of the best kinds as they can risk to offer more).
Thanks for everything,
William Charles and 
Chuck!
Out of curiosity, what metric(s) are you using to measure popularity? Most clicks, most comments, or some proprietary algorithm powered by AWS? Lol.
I believe it’s just the comment count.
I thought it was page visits
Same, I assume it’s page visits
Page visits