Hi, I'm Bert Oubida — cloud engineer, lifelong
learner, and builder of smart tools for a richer, more intentional
life. I love sharing the financial accounts and cards that make
managing (and growing) your money easier. Use my recommendations and
get rewarded!
Best Checking Account: Charles Schwab
- No ATM fees worldwide—get all ATM fees refunded
- No foreign transaction fees (perfect for travel)
- Highly-rated customer service, easy online banking
- No minimums or monthly service fees
- Annual Fee: $0
Alternative: SoFi Checking & Savings
- Earn up to 4.00% APY on savings
- No account fees, no overdraft fees
- Early paycheck access, easy transfers
- Modern app & financial tracking tools
- Annual Fee: $0
Best High-Yield Savings: Marcus by Goldman Sachs
- Consistently high APY, no minimums
- No fees, simple online management
- FDIC-insured for peace of mind
- Easy transfers to/from any US bank
- Annual Fee: $0
Best Everyday Card: Amex Gold
- 4x points at restaurants & supermarkets
- Monthly dining & Uber credits
- Generous welcome bonus offers
- Amex Purchase & Travel Protections
- Annual Fee: $250
Best Travel Card: Delta Skymiles Platinum
- Free checked bag and priority boarding on Delta
- Earn MQDs & miles toward elite status
- Companion certificate every year
- Global Entry/TSA Pre✓® fee credit
- Annual Fee: $350