Cheese Card is a digital banking platform that are in support of Asian Americans and immigrants. Their various products offer some great rates but one of the most notable ones are their checking accounts that pay interest, gives cash back rewards, and lets you get your paychecks early.

Update 8/9/22: Cheese is closing up their business. There will be no more cashback after August 15th and no more transactions starting September 10th.

Additionally, they allow you to donate your sign-up bonus and earned cash back to Asian American nonprofits. Plus, you don’t need a Social Security number or credit check to apply. Continue reading below for more information!

For more bank bonuses, checkout other institutions: Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!

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Cheese Card: 3% APY Deposit Bonus

Earn a 3% APY deposit bonus for 30 days, capped at $25, when you sign up using an eligible referral link and fund your account. Without the added bonus, the APY is just 0.3%.

This offer is valid for new customers only.

Cheese Card Referral Program

Refer a friend and you both can earn a 3% APY deposit bonus for 30 days, capped at $25 per month. For every successful referral, you can add another 30 days of the boosted 3% APY rate. Please note that your referrals have to use your link and make a deposit to qualify.

Cheese Card Referral Program

Minimum Deposit	$0
Cash Back Rewards	0.25% to 10%
APY	0.30% to 3% APY
Direct Deposit	Yes, up to 2 days early
Promotions	3% deposit bonus for 30 days

With Cheese, your daily experiences and adventures have never been so rewarding. Cheese is a banking app that helps you earn money. With no fees, you get up to 10% cash back on purchases big and small automatically as well as other features like:

3% deposit bonus for 30 days with referral
0.25% cashback on all purchases for up to $10 maximum daily
Pledge to raise $100,000 to support Asian-focused nonprofits
Get access to 33,000+ no-fee MoneyPass® ATMs nationwide
No monthly maintenance fees, minimum balance fees and hidden fees
Get your paycheck up to 2 days earlier than traditional banks
Customer service in English and Mandarin

Deposits made are FDIC insurance up to $250,000,

Cheese Card Fees

They don’t charge you for using a non-MoneyPass ATM, but any out of network ATM provider may. On top of these great benefits, they don’t charge overdraft fees. If a purchase were to be overdrawn, Cheese will just deny the transaction.

Keep note that they will charge for 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)

Bottom Line

All in all, Cheese Card offers a great rewards checking account that is designed for ease of use for immigrants, Asian Americans, and people who want to the support the Asian American communities. Some stand out features include no SSN required to open an account, no fees, a cash back debit card and more.

You can also checkout Stilt, they offer loans for U.S. immigrants and the undeserved who live in the U.S. For more posts like this, check out our list of bank account promotions!

Learn More at Cheese