marcus 1% refer a friend
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For a while, Marcus (an online savings account by Goldman Sachs) has been offering a rate bump of 0.2% for three months when you refer someone to Marcus.

The current APY is 1.0% and you can even bump that to 0.6% by linking your AARP account (which remember, you can have at any age).

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

With this Marcus new refer a friend offer, though, you’ll earn an extra 0.5% on your rate for 3 months, and so will your friend. Of course the value of this depends on how much you each have in savings. At the max $250,000 for FDIC, you’d each earn an extra $700 or so.

Your referral cannot have had a Marcus savings or CD product in the last 12 months to qualify as new.

(And yes, while it’s not mile relates, there is a ton of overlap between miles and personal finance and I do like to alert readers to these opportunities!)

To refer a friend, you can just sign into your Marcus account and look for the referral center to generate a link.

If you are new, you can earn double the normal rate for 3 months (which as of now is 1.0% – increased to 1.5%), by using my referral link. you can also stack AARP on top for a total 1.60% APY.


Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.


I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


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