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?
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.
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There are other alternatives, including Paribus, who offers a similar service to their mobile customers.
Paribus vs Cushion
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 up. Remember, 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.