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Cushion App Review: Is a Scam or Legit?

Cushion is the first app to use artificial intelligence, advanced fee-detection technology, and bank-level encryption to automatically negotiate bank and credit card fees on your behalf.

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cushion app

The web app Cushion leverages artificial intelligence, advanced fee-detection technology, and bank-level encryption to automatically negotiate credit card and bank fees on your behalf. The first of its kind, Cushion tackles fees and charges of all kinds—from overdraft and late fees, to credit card interest charges, service charges, ATM fees, and more.

Cushion’s annual membership options, starting at $36 per year, allow users to keep 100% of their refunds. The plans vary in price, number of negotiations, and are all billed annually.

How Do You Sign up for Cushion?

The process is quick, easy, and secure. To sign up, connect the bank or credit card accounts you’d like Cushion to continuously scan, verify your information, and select a subscription package. 

Cushion supports all 15,000 U.S. banks and credit unions. It also operates with high-security standards to protect data, and they never sell your personal information.

How Fast Do Users Get Their Refunds?

Refunds are different for each user since everyone’s finances are unique; however, some new users get their first refund within hours of signing up. After connecting your accounts, Cushion will continuously scan your accounts for fees and calculate the best time to go after them to maximize your chance of getting a refund.

Want free money?

  • Aspiration: Want to get spotted a $100 for free? Simply sign up for Aspiration, and the free banking app will give you cash for free, you just relax while it gives you $100 just for opening a new debit card. There’s no catch, just use your card to make at least $1,000 in cumulative transactions within 60 days of opening an account. This bank account is legit and only takes two minutes to sign up for an account.

After completing more than 100,000 negotiations, Cushion has learned what works and what does not. The best part is that Cushion helps you fix and avoid financial mistakes by doing all of the hard work for you.

Competitors and Alternatives?

Actually, this is not the only mobile application whose goal is to provide people with an effortless way to get money back.

BBVAWant to save $144/year for free? You could save $144/year with a BBVA free checking account. Simply sign up for a new checking account and never get charged any fees. There’s no catch. This bank account is legit (and free) and only takes two minutes to sign up for an account.

acornsWith Acorns, you can invest your spare change automatically and join almost 4,000,000 people saving and investing every day.

Truebill reviewTruebill delivers on its promise to save you money effortlessly. You can use it to lower your bills, cancel unwanted subscriptions and bill negotiations.

aspirationGet a $100 bonus at Aspiration when you open and fund an account with $10 or more. Then use your Aspiration debit card to make at least $1,000 worth of cumulative transactions within 60 days of account opening.


There are other alternatives, including Paribus, who offers a similar service to their mobile customers.

Paribus vs Cushion

The winner is Paribus — a free tool that gets you money back for your online purchases instantly just for signing up for free.

paribus review

Paribus offers more features and you can get cash back from dozens of online retailers. You also don’t have to do anything other than originally sign up for Paribus. The Cushion app may roll out this feature in the future, but the app is still new.

It’s as simple as that. You can learn more about Paribus in our Paribus review.

This free app will scan your emails for any purchase receipts from dozens of online retailers. You don’t even have to know about the price drop in order to get your refund. It’s 100% free and will save you a lot of money. I actually pocketed around $83.23 in the first few weeks of signing upRemember, it’s 100% free!

Paribus compensates us when you sign up for Paribus using the links we provided.

Is Cushion Worth it?

Cushion is definitely legit and does what it says it will do. Cushion—the name short for “financial cushion”—realizes that managing your finances and saving money is difficult. And it’s even more difficult when your bank, who is supposed to safeguard your money, profits from your mistakes.

Americans spend approximately $200 billion annually on bank and credit card fees, with more than $11 billion going to overdraft-related fees alone in 2019. 

Believe it or not, those fees and interest charges are negotiable. Unfortunately, banks and credit card companies make the negotiation process time-consuming and emotionally draining, which is why you need a digital solution—like Cushion—on your side.


Want free money?

  • Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link. The value of the free share may be anywhere between $2.50 and $200 and fluctuates based on market movements. You’ve got nothing to lose.
Brian Meiggs
Brian Meiggs
Brian is the founder of My Millennial Guide and is an entrepreneur who has spent the last few years creating websites and building brands. He has been quoted in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, Student Loan Hero, Fit Small Business, Cheapism, SmartAsset, Bankrate, RISE Credit, AllBusiness, Cheddar, Commonbond, Niche, Rewire, Credit Donkey,, and more. He believes that the true path towards financial independence is through increasing your earning potential (even if you have a 9-5 job).

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