5 Best Business Checking Accounts for November 2021

Starting a business is an opportunity to be your own boss, make money and grow your skill set.

There are also the not-so-great, somewhat messy and complicated parts about operating a business. If you start off solo or small, you’ll be tackling a lot of tasks yourself.

But don’t worry. In this article, we’re going to address something relatively simple in the business world: the best business checking accounts.

We’ll go into why you need one, what you should look for and several of the best ones available, both in-person and online-only.

Wait, Do I Really Need a Business Checking Account?

The purpose of a business checking account is to keep your business finances separate from your personal finances.

Technically, you might not need one depending on the legal structure of your business.

For example, if you’re a freelance writer who established a sole proprietorship and is starting slowly, you could use your personal checking account to get off the ground. But you’ll want to be extremely organized about keeping track of your business money for tax time. (Nothing will dampen your momentum like getting audited.)

The type of business you’re running makes a difference here. If it’s transaction-heavy — or a particular legal structure, like a limited liability company — you might need a business checking account, full stop.

But if you’re starting any kind of business, it’s probably in your best interest to open one.

Business checking accounts make it easier to track profits, expenses and deductions, and help establish your operation if you file for business credit cards or loans down the line.

What You Need to Open a Business Checking Account

To open an account, you’ll typically need the following:

  • Social security number (SSN) or employee identification number (EIN)
  • Valid driver’s license or state ID
  • An initial deposit

How easy it is to open a business checking account will depend on your business. If you’re a sole proprietor, the process might feel similar to opening a personal checking account. If you have a different legal business structure, you’ll likely have to provide additional documentation (like your articles of incorporation). Requirements will vary from bank to bank.

business owner opening store for the day

What You Should Look for in a Business Checking Account

Before you peruse accounts, get a handle on your business needs and wants. For instance, do you make a lot of transactions? Do you want a business credit card ASAP? Do you prefer a big bank where you can pop into a different branch every half mile?

There are other considerations. Do you want your bank, credit union or financial institution to…

  • Offer free bank statements?
  • Have an app? (a fair requirement in 2021)
  • Offer free online banking and/or bill pay?
  • Have in-person locations?
  • Offer comprehensive customer service, i.e., allow you to talk to someone online and on the phone 24/7?
  • Have integration with tools, like invoicing software?
  • Offer multiple products, such as business credit cards, small-business loans, etc.?

There are lots of banks for small businesses to choose from, but you want one that will give you the most options. And ideally, save you some money and headaches in the process.

To choose the best business checking accounts, we focused on accounts that:

  1. Require a low minimum initial deposit ($1,000 or less — most require only $25).
  2. Offer a certain number of transactions for free.
  3. Either have no monthly service fee or make it easy to have the fee waived.

We also focused on checking accounts for small and medium businesses. If you’re looking for accounts to manage a higher volume, many of the traditional institutions on our list have them, too.

An inconvenient reminder: Banking institutions can be acquired and shut down (RIP Azlo). So, it’s a good idea to keep the following business bank accounts in mind in case you find yourself suddenly needing to move your money.

Pro Tip

Check out our current list of bank promotions for a chance to gain a monetary bonus when signing up for a new business checking account.

The 5 Best Business Checking Accounts for November 2021

We chose five institutions and a couple of different checking account options for each where available.

1. Chase: Best for 24/7 Customer Service and Overall Accessibility

Chase is a well-known brand with many physical branches and flexible options for business owners. It’s a good choice if you want to be able to find a chain easily and talk to someone in person. Chase also offers 24/7 support, so you can call and email them anytime of day. From personal experience, if you send them a secured online message, they typically follow up within 24 hours. To learn more, read our Chase Bank review.

  • Number of branches: Approximately 4,700
  • Number of ATMs: 16,000

Here’s the lowdown on Chase Business Complete Banking and Chase Performance Business Checking.

Chase Business Complete Banking

Chase Business Complete Banking (for small businesses) at a glance:

Sign-up bonus: $300 for new customers who meet certain criteria

Minimum initial deposit: $25

Monthly service fee: $15; waived if you maintain a minimum daily balance of $2,000, link a qualifying Chase account or abide by other listed stipulations.

Cash deposits per month: Up to $5,000 without an additional fee

Free transactions per month: 100

Other benefits:

  • Access to Chase online and mobile banking
  • Get same-day deposits on card payments at no additional cost

Chase Performance Business Checking

Chase Performance Business Checking (for medium-sized businesses) at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $25

Monthly service fee: $30; waived if you maintain a minimum daily balance of $35,000 or more in qualifying accounts

Cash deposits per month: Up to $20,000 without an additional fee

Free transactions per month: 250

Other benefits:

  • No charge for all incoming wires and two outgoing domestic wires per statement cycle
  • Interest-bearing option available

Chase has business saving account, lending and credit card options, too. Chase offers several small-business credit cards, all with new card member bonuses, which include $750 cash back to 100,000 bonus points depending on the card.

A man rides a bike past Wells Fargo in St. Petersburg, Fla.

2. Wells Fargo: Best for Small Business Owners Just Getting Started

Wells Fargo is another strong choice for your business checking account needs. It has many branch locations and you can call them 24/7. Its website is also easy to navigate and lets you find answers to your questions without clicking on a ton of links. Check out our Wells Fargo Bank review for more information.

  • Number of branches: Approximately 7,200
  • Number of ATMs: Over 13,000

Wells Fargo Initiate Business Checking

Initiate Business Checking (for new and small businesses) at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $25

Monthly service fee: $10; waived by having a minimum daily balance of $500 or $1,000 average ledger balance

Cash deposits per month: Up to $5,000 for free

Free transactions per month: 100

Other benefits:

  • Customized business debit card
  • 24/7 fraud monitoring
  • Mobile deposit

If you’re just getting started with your small business and don’t expect to scale right away, Initiate Business Checking is a solid, affordable account to open.

Wells Fargo Navigate Business Checking

Navigate Business Checking (for small- to medium-sized businesses) at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $25

Monthly service fee: $25; waived by having a minimum daily balance of $10,000 or an average combined business deposit balance of $15,000

Cash deposits per month: Up to $20,000 for free

Free transactions per month: 250

Other benefits:

  • Customized business debit card
  • 24/7 fraud monitoring
  • Mobile deposit

Wells Fargo also offers small-business lending and credit card options.

3. U.S. Bank: Best for Simple, Fee-Free Banking

While primarily located in the Midwest, this chain has lots of locations across the country. That’s great news if you’re a small-business owner looking for a simple checking account.

U.S. Bank has no monthly service fees for its Silver account, so no worries about meeting certain criteria to have the fee waived. You can also go to its website and take a short quiz to determine which account would work best for your needs.

  • Number of branches: 3,106
  • Number of ATMs: 4,842

U.S. Bank offers Silver, Gold, Platinum and Premium business checking accounts, and we’re going to outline the first two.

U.S. Bank Silver Business Checking

Silver Business Checking (best for newer or smaller businesses) at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $100

Monthly service fee: $0

Cash deposits per month: 25 for free

Free transactions per month: 125 per statement cycle; 50 cents per excess transaction

U.S. Bank will charge you $5 for paper statements, so stick with online ones to save money and the planet.

Other benefits:

  • Online and mobile banking
  • Discount on first check order
  • Small Business Visa credit card
  • Card payment processing

U.S. Bank Gold Business Checking

Gold Business Checking (for businesses with moderate transaction levels) at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $100

Monthly service fee: $20; waived by satisfying one of several criteria listed on its website

Cash deposits per month: 100 for free

Free transactions per month: 300 per statement cycle; 45 cents per excess transaction

Other benefits:

  • Online and mobile banking
  • Remote check deposits
  • Discount on first check order
  • Small Business Visa credit card
  • Card payment processing

Silver and Gold are good options for small businesses looking for free business checking accounts (as long as you stay within the limits). And in general, Chase, Wells Fargo and U.S. Bank are all good options for an LLC.

4. BlueVine: Best for Fee-Free, Online-Only Banking

Want to open an account on your phone and manage it entirely online? Welcome to 2021… and to BlueVine.

BlueVine boasts no hidden fees and unlimited transactions. Members can pay vendors, schedule one-time and recurring payments, and earn an impressive 1.0% on their checking account balance up to $100,000. (Note: The APY will be adjusted from 1.0% to 0.6% Dec. 1 2021.) Deposits are FDIC-insured (up to $250,000) through Coastal Community Bank.

  • Number of branches: 0
  • Number of ATMs: Users can withdraw cash fee-free at over 38,000 MoneyPass® locations in the U.S.

BlueVine at a glance:

Sign-up bonus: None specified

Minimum initial deposit: $0

Monthly service fee: $0

Cash deposits per month: Unlimited. You can deposit cash at close to 100,000 retail locations through a partnership with Green Dot. A $4.95 fee, per deposit, applies.

Free transactions per month: Unlimited

Other benefits:

  • A BlueVine Business Debit Mastercard®
  • Access to a business line of credit
  • Two free checkbooks
  • Phone and email customer support

5. Axos Bank: Best for Business Interest Checking

Axos Bank is another online-only bank. In addition to business checking accounts that earn interest, customers can take advantage of surcharge-free ATMs across the U.S.

  • Number of branches: 0
  • Number of ATMs: You can use any ATM in the U.S. and you’ll be reimbursed for the fees

Axos Bank offers Basic Business Checking, Business Interest Checking and Analyzed Business Checking. We’re going to look at the first two.

Axos Basic Business Checking

Basic Business Checking at a glance:

Sign-up bonus: $100 if you incorporated after June 1, 2020

Minimum initial deposit: $1,000

Monthly service fee: $0

Cash deposits per month: Up to 60 items with remote deposit

Free transactions per month: 200; afterward, 30 cents each

Other benefits:

  • Pay bills with no charge through the app
  • First set of 50 checks is free
  • Compatible with QuickBooks

Axos Business Interest Checking

Business Interest Checking at a glance:

Sign-up bonus: $100 if you incorporated after June 1, 2020

Minimum initial deposit: $100

Monthly service fee: $10; waived if there’s an average daily balance of $5,000

Cash deposits per month: Up to 60 with remote deposit

Free transactions per month: 50; afterward, 50 cents each

Other benefits:

  • Earn up to 0.81% APY
  • First set of 50 checks for free

Axos Bank also offers savings accounts and Business CDs, but no credit cards.

female business owner working on laptop

Regional Business Checking Account Options

Here’s a glance at three smaller, regional options for business checking accounts. If your area isn’t listed, you can research credit unions and banks near you.

America First Credit Union

This institution has branches in Nevada and Utah. America First offers four types of business checking accounts: Basic, Premier, High-Yield and Non-Profit.

The Basic Business Checking offers 250 free monthly transactions, free online bill pay, access to money market savings, lines of credit and a Business Visa credit card.

First Horizon

This bank has branches in Tennessee, Florida, North Carolina, South Carolina, Virginia and Texas. First Horizon offers BizEssentials Checking, Plus Checking) and Interest Checking accounts.

The Business Interest Checking Account has no minimum balance requirements (though you can waive the monthly maintenance fee when you keep an average of $10K in it), plus you’ll earn interest on your balance and have access to a Visa Business debit card.

SunTrust, Now Truist

This operation has branches in Alabama, Arkansas, Washington, D.C., Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee and Virginia. SunTrust offers three types of business checking accounts: Simple Business Checking, SunTrust Primary Business Checking and SunTrust Business Advantage Plus Checking.

SunTrust Primary Business Checking has a $15 monthly fee that’s waived in the first two statement cycles and after that when you have a $1,000 minimum daily balance. Each month, you’ll get 150 free transactions and $5,000 cash processing.

What’s the Right Business Checking Account for You?

The best business checking account for you will depend on your business and needs. Whether you’re just starting out or looking to level up, there are plenty of options out there, online and off. Start your search now, so your future self — and CPA, come tax time — will thank you later.

Contributor Kathleen Garvin (@itskgarvin) is a personal finance writer based in St. Petersburg, Florida, and former editor and marketer at The Penny Hoarder. She owns a content-writing business and her work has appeared in U.S. News, Clark.com and Well Kept Wallet.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Best Online Tutoring Jobs of 2021

If you have a knack for teaching, a proliferation of online tutoring platforms have created numerous opportunities to make extra money helping students learn various subject material — from math and English to physics and political science.

Tutoring online can be a nice side gig for current or former teachers and even college students who have great subject matter mastery and some teaching skills.

While traditional tutoring requires you to meet up with local students face to face after school or on weekends, an online tutoring job allows you to teach students all over the world from the comfort of your own home. There are opportunities to have a flexible schedule and tutor students when it’s most convenient for you.

10 Great Companies for Online Tutors

The following list highlights online platforms that offer some of the best online tutoring jobs around.

1. Tutor.com

Established in 1998 and affiliated with The Princeton Review, Tutor.com helps K-12 students, as well as college students and adult learners. It offers assistance for a broad range of subjects from math and English to art history and finance. Tutor.com also provides SAT prep and other test prep services.

This tutoring company partners with libraries, schools and universities, the military and private-sector businesses to provide tutoring services. Individuals can also sign up for academic assistance.

As a tutor for Tutor.com, you can create your own schedule or pick up unscheduled sessions. Tutoring services are available 24/7.

You don’t have to be an experienced tutor or have a teaching degree, but you will have to take an exam to test your subject-matter expertise. The company says it employs many professionals as part-time tutors including teachers, graduate students, math and science professionals and computer science experts.

You must be available to tutor at least five hours a week, but many tutors on this platform average about 10 hours a week. The hours you log are automatically tracked. You do not have to submit any invoices to be paid.

Key Info

Pay Rate: Tutors are paid an hourly rate based on subjects they tutor, with the opportunity to earn incentives. However, Tutor.com does not advertise pay rates. Much of the salary information posted on Glassdoor ranges between $12 and $14 an hour.

Requirements: To You must be at least a sophomore in college pursuing a four-year degree or have a four-year degree or higher. You must live in the United States, be fluent in English and have expertise in the subject you plan to teach. You must be able to tutor at least five hours per week, and your computer and internet service must meet the company’s requirements.

Subjects: Tutor.com offers tutoring services in about 100 subjects, including English, social studies, geometric, algebra, biology, earth science and more.

Apply here for online tutoring jobs with Tutor.com.

2. Skooli

Skooli offers tutoring for K-12 courses as well as college-level classes. Students seek tutoring help in a wide variety of subjects on this platform, including math, science, humanities, business and language.

Those interested in providing tutoring services through Skooli need to have a college degree or teaching certifications. This platform also requires prospective tutors to undergo a criminal background screening.

With Skooli, you can schedule sessions with students in advance or go online and pick up tutoring sessions from those requesting help at that moment. Enjoy the flexibility to set your own schedule.

Key Info

Pay Rate: Skooli pays tutors an hourly rate based on their qualifications and experience. On Glassdoor, Skooli tutors list their pay from recent online tutoring jobs as ranging from $14 to $27 an hour.

Requirements: Tutors need to have either a bachelor’s degree (or higher), a government-issued teaching license or specialized instructor qualifications. All Skooli tutors must also pass a criminal background check.

Subjects: Skooli offers help in dozens of subject areas, including writing, chemistry, biology, calculus and Spanish.

Apply here for online tutoring jobs with Skooli.

3. Yup

Are you good at math? If the answer is “yup,” this company could be a good fit for you.

Yup offers 24/7 online tutoring in math up to calculus AB. It also offers SAT test prep.

Tutors assist students of all ages with math problems using a combination of messaging, photo sharing and going over problems on a virtual whiteboard to create an adaptive learning experience.

You can choose when you want to work on this platform and answer students’ questions on demand.

Yup has a rigorous application process to make sure prospective tutors are well qualified. The company accepts less than 5% of applicants.

Key Info

Pay Rate: Online tutors for Yup make between $10 and $15 per hour, according to Glassdoor.

Requirements: Applicants must submit a written application, pass a math proficiency test and take a teaching exam that’s set up like a mock tutoring session.

Subjects: Yup tutors cover early math, algebra, geometry, trigonometry, probability, pre-calculus and calculus AB.

Apply here for online tutoring jobs with Yup.

4. TutorMe

TutorMe offers 24/7 online tutoring in over 300 subjects, as well as test prep to prepare students for exams like the ACT or the GRE.

This service partners with libraries, schools and local community colleges — as well as individuals — for live, one-on-one assistance via virtual whiteboards and video communication. Tutors and students rate each other after each session to help ensure high-quality tutoring.

TutorMe has an intense application process, with a 4% acceptance rate for online tutors, so be sure you are fully qualified before applying.

Key Info

Pay Rate: TutorMe tutors are paid $16 an hour. The company pays weekly via PayPal.

Requirements: To be considered as a tutor, you must be currently enrolled or have graduated from an accredited university. You also need previous experience teaching or tutoring, as well as mastery of the subject you wish to teach.

Subjects: TutorMe offers academic help in over 300 subjects, including history, engineering, computer science and Mandarin. It also offers test prep.

Apply here for online tutoring jobs with TutorMe.

5. Outschool

Outschool is a learning platform that lets you host live online classes in any subject for students ages 3 to 18.

Outschool extends beyond traditional academic subjects. You can make money teaching students how to master the bass guitar or introducing kids to the basics of origami.

Tutors create a listing for their class and set the price. Learners can sign up and attend classes through live video and messaging, and Outschool keeps a 30% fee from enrollments.

You can set your own hours and craft your own curriculum. Unlike other online tutoring platforms, you’ll teach kids in small groups rather than one-on-one.

No formal education or credentials are required.

Key Info

Pay Rate: You set your own rates, and Outschool keeps 30%. The company told The Penny Hoarder that teachers can earn between $40 and $100 per hour. On its website, Outschool claims the average is $50 an hour.

Requirements: You don’t have to have formal teaching credentials — just knowledge or skill in a certain subject. You have to pass a criminal background check and must be a citizen or resident of the United States, Canada, Australia, New Zealand or the United Kingdom.

Subjects: You can teach almost any subject you desire. On this platform, there are classes in Minecraft and Fortnite as well as more traditional subjects like poetry and fractions.

Apply here for online tutoring jobs with Outschool.

6. TakeLessons

TakeLessons lets you tutor students in academic subjects like writing and chemistry or teach skills like drawing or how to play a musical instrument. The platform offers over 300 subjects.

Popular subjects include singing, various musical instruments, language lessons, acting, dance and drawing.

Students can use TakeLessons to book live online instructional time — either one-on-one or in group settings. They can also book private tutoring in person if they live nearby and you’re up to taking on a local tutoring job.

TakeLessons also lets teachers set their rates and schedules. The platform handles booking and payment.

Key Info

Pay Rate: Tutors set their own prices. Like other sites where you set your own rates, TakeLessons take a percentage to cover marketing and payment processing. The company says teachers retain up to 90% of their listed lesson price.

Requirements: You must fill out a profile of your experience and pass a background check.

Subjects: Tutors can teach a variety of academic subjects, like math and reading, or subjects that focus on the arts.

Apply here for online tutoring jobs with TakeLessons.

7. Varsity Tutors

Varsity Tutors facilitates online learning through one-on-one assistance, live online classes, practice tests and study resources. It also offers in-person tutoring opportunities.

Tutors cover a wide range of academic subjects. You can also help high school students prepare for college with SAT and ACT test prep.

Varsity Tutors has a stringent application process and only accepts a small percentage of tutor applicants.

Key Info

Pay Rate: Tutors earn between $14 to $24 an hour, according to Glassdoor.

Requirements: Tutors must have prior teaching or mentoring experience and subject matter expertise. You must complete an online application, go through an interview process, pass a background check and conduct mock tutoring sessions.

Subjects: Varsity Tutors offers thousands of subjects, including grammar, geometry, physics and French.

Apply here for online tutoring jobs with Varsity Tutors.

8. Cambly

Cambly is one of the most flexible platforms for teaching English online. It doesn’t require a bachelor’s degree or prior experience, and you don’t have to go through an arduous onboarding process.

To qualify to teach through Cambly, English tutors just need a native level of fluency, a computer with a webcam and high-speed internet.

You’ll just create a tutor profile, where students — adults and children — can find you and book lessons. You can tutor as much or as little as you like. There is no minimum number of hours you must reach.

Key Info

Pay Rate: Tutors with Cambly get paid 17 cents a minute (or $10.20 an hour). Tutors with Cambly Kids get paid 20 cents a minute (or $12 an hour). Tutors get paid weekly via PayPal.

Requirements: You must be a native English speaker or have a native level of English fluency.

Subjects: On Cambly, you’ll teach English to foreign language speakers.

Apply here for online tutoring jobs with Cambly.

tutoring kids online

9. VIPKid

VIPKid is one of the best online tutoring jobs for teaching English as a second language. As an online English tutor for VIPKid, you’ll provide one-on-one ESL tutoring to students in China from ages 4 to 12.

Prospective tutors don’t need to speak Chinese as this learning platform teaches through full English immersion. VIPKid creates the lesson plans and handles parent communication and payment.

If you’re approved as a tutor, you’ll have to sign a six-month contract (which can be renewed). Tutors have the flexibility to set their own schedules with no minimum time commitment.

Key Info

Pay Rate: The base pay for a VIPKid tutor is $7 to $9 per 25-minute session. You also have the opportunity to earn incentives, based on referrals and how many classes you finish in a month. Tutors could earn between $14 and $22 an hour.

Requirements: To sign up as an English language tutor with VIPKid, you need a bachelor’s degree, at least two years of teaching or tutoring experience and work authorization in the United States or Canada. You have to fill out an online application form, complete a short demo class and take a mock class with a current VIPKid teacher.

Subjects: You’ll teach English to Chinese students.

Apply here for online tutoring jobs with VIPKid.

10. Landi English

This online tutoring job is another opportunity for ESL tutors. As a tutor for Landi English, you will be teaching Chinese students how to speak English.

You’ll be using full English immersion to teach kindergarteners through high school students.

You must be able to commit to at least 12 hours of online tutoring each week. Since you’ll be teaching children in Beijing, you’ll need early morning availability between the hours of 6 to 9 a.m. EST.

Key Info

Pay Rate: Tutors can earn up to $18 an hour.

Requirements: To tutor for Landi English, you’ll need to fill out an online application, get interviewed and complete online training. Tutors will need to commit to 12 hours per week (three hours at least four days a week) between the hours of 6 to 9 a.m. EST.

Subjects: You’ll teach English to Chinese students.

Apply here for online tutoring jobs with Landi English. 

Frequently Asked Questions About Becoming an Online Tutor

Now that you’ve read over our list of the best online tutoring jobs, here are the answers to some commonly asked questions about getting into the game.

What is the Best Online Tutoring Company to Work For?

To find the best online tutoring jobs for you, it’ll depend on what you’re looking for.

If you’re looking to provide extra help in traditional school subjects or help kids with test prep, try Tutor.com, TutorMe or Varsity Tutors. If you’ve got a non-academic talent to teach, consider Outschool or TakeLessons. If you want to apply your tutoring skills to teach foreign speakers English, sign up for VIPKid or Cambly.

The companies on this list are frequently accepting applications for tutoring jobs so you can earn extra income on a part-time basis. You can even work for multiple companies at the same time.

How Much Money Does an Online Tutoring Job Pay?

Most online tutoring jobs pay an hourly rate, so the more time you spend tutoring, the more money you’ll make.

Many of the companies on this list pay between $10 and $27 an hour. A few allow you to set your own prices, so there’s a chance to earn even more.

Tutoring platforms that require prior tutoring experience, a bachelor’s degree and a teaching license or teaching certificate typically pay more than sites with lower barriers to entry. Some companies also provide bonuses or incentives based on performance or referrals.

Is Online Tutoring a Good Career?

Online tutoring is a nice source of supplemental income for current or former teachers or those with past experience as an in-person tutor. With that background and credentials, it doesn’t take much to become an online tutor, as long as you have a good computer at home with a reliable internet connection.

After working for one of the online platforms listed above, you might be inspired to turn your side hustle into a full-time gig and start your own tutoring business. You could choose to offer online tutoring services or tutor students in person. A big part of being successful will be making sure you maintain a steady stream of clients since you’ll no longer have an online platform sending you kids to tutor.

Are Online Tutoring Jobs in Demand?

Online tutoring has seen a rise in popularity due to the coronavirus pandemic. Online platforms have gotten a lot of new students over the last year and a half. Tutoring is also a hot topic among local Facebook groups for parents.

Although many students will be attending public or private schools in person this school year, many families are seeking tutors to help address learning loss from the previous year. Traditional tutoring is an option, but so is teaching online. There are plenty of tutoring jobs available.

Kaitlyn Blount is a former staff writer at The Penny Hoarder. Senior writer Nicole Dow contributed to this story.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

50 Companies with Lifetime Warranties Will Replace or Fix Products

We’re always looking for ways to save money, and one surefire way to do that is to buy products that last.

You can also buy products from companies that will repair or replace them if they break.

You may spend a bit more up front, but quality items — and ones with awesome lifetime warranties — can end up saving you money in the long run.

From backpacks to knives, here’s a list of 18 brands that offer lifetime warranties with no strings attached — plus 32 that cover manufacturer’s defects forever.

18 Companies With Lifetime Warranties

Yes, even for normal wear and tear.

1. Cutco

Knife-maker Cutco was founded in Olean, New York, in 1949. It offers a “forever guarantee” that extends to knives given as gifts or hand-me-downs.

“Cutco knives have been handed down from mothers to daughters, grandfathers to grandsons and between friends,” according to the company’s website.

“If at any time you are not satisfied with the performance of your Cutco product, we’ll make it right.”

A photograph shows a backpack and some notebooks.

2. Jansport

Parents sending their kids off to school have long recognized backpack-maker Jansport for its top-notch warranty. This company, founded in 1967, guarantees nearly all of its backpacks, messenger bags, fanny packs and hiking bags.

“If your pack ever breaks down, simply return it to our warranty center,” Jansport says on its website. “We’ll fix it or if we can’t, we’ll replace it.”

The warranty covers defects such as ripped seams, defective zippers or broken buckles. Damage due to normal wear and tear, such as fading or scuffing, is not covered.

3. Manduka

This California-based company guarantees many of its yoga mats for life, even if the product wears out from regular use. Manduka notes that their mats last around 10 years when cared for properly.

A Manduka PRO yoga mat will cost you $120 to $146, but the price tag may well be worth it if you practice regularly and your mat wears out.

4. Feetures

Feetures is a family owned sock-maker in North Carolina. This company makes high-performance socks for runners and other athletes, and it’ll offer you a replacement pair or refund at any time.

5. Eddie Bauer

This outdoor gear and clothing maker stands behind its products so much that it offers an unconditional lifetime guarantee. 

“Our products are built to last. If your Eddie Bauer product fails to perform as designed, bring it back, and we will replace it,” the company states on its website.

A photograph shows wrenches that have a lifetime warranty

6. Craftsman

Talk to someone who uses tools on a regular basis and you’ve probably heard about Craftsman’s warranty.

Many of the company’s tools, including wrenches, hand tools, gardening and pruning tools, are eligible for replacement, free of charge, over the lifetime of the product.

Just return the product that has failed to perform “for any reason” to a retail partner, no proof of purchase required, according to the company’s website. Other products must be under warranty to be repaired or replaced. This page provides a full breakdown of how Craftsman handles repairs and replacements.

7. Osprey

Osprey’s “All Mighty Guarantee” ensures that if you buy one of the company’s bags or backpacks, it’s guaranteed for life.

The brand’s motto: Any reason, any product, any era.

“Osprey will repair any damage or defect for any reason free of charge — whether it was purchased in 1974 or yesterday,” Osprey’s website says.

“If we are unable to perform a functional repair on your pack, we will happily replace it.”

8. Vermont Teddy Bear

If you buy a stuffed bear from Vermont Teddy Bear, it’s backed by the company’s lifetime guarantee.

VTB has some fun with it too, and encourages you to send your bear to its “Bear Hospital.”

“Every once in a while, a tragedy will strike — a dog attack, a chance meeting with a lawn mower,” the company says. “We are talkin’ FREE, full coverage health care for your Bear’s entire lifetime.”

9. Duluth Trading Company

Duluth Trading Company, which makes clothing, outerwear, footwear and other items, offers a “No Bull Guarantee” on its products.

The company has a one-year return policy, and after one year, it will “consider returns for items that are defective or don’t perform as designed.”

A red umbrella sits on the ground as it rains.

10. Davek

Invest in a sturdy Davek umbrella (prices range from $49 to $350) and it’s backed by the company’s unconditional lifetime guarantee.

“We want this to be the last umbrella you will ever need,” the company’s website states.

Owners must register their umbrellas to be eligible for the lifetime warranty.

11. Zippo

Zippo makes lighters, hand warmers and knives. Its warranty motto on its windproof lighter: “It works or we fix it free.”

“We don’t make that promise lightly,” Zippo says.

“We know that behind every Zippo Windproof Lighter sent for repair is an owner depending on our promise to get it back in working order. Whether a windproof lighter is five years, 25 years or 50 years old, it will serve as a dependable source of flame for years to come. We guarantee it.”

12. Leupold

Leupold is based in Beaverton, Oregon, and makes binoculars, scopes and rangefinders used by golfers, hunters, security personnel and police.

The company will replace its riflescopes, binoculars and spotting scopes — whether you’re the original owner or not — forever.

“You don’t need proof of ownership or a warranty card, and there’s no time limit,” the company says.

“We do this because we believe in superior quality and craftsmanship, and we’re confident your Leupold won’t let you down.”

13. Red Oxx

Red Oxx travel bags are covered by the company’s “No Bull” Lifetime Warranty, which means it will repair or replace its products, no questions asked.

This unconditional lifetime warranty is completely transferrable and applies to any product made by Red Oxx at any time in history. The warranty also extends to bags you buy used.

14. Darn Tough Socks

Vermont sock-maker Darn Tough Socks offers a 100%, unconditional lifetime guarantee on its socks, which are, apparently, pretty darn tough.

“If our socks are not the most comfortable, durable and best fitting socks you have ever owned, return them for another pair,” the company’s website states.

It also says its warranty has no strings and no conditions.

15. L.L. Bean

If you’ve purchased something from L.L. Bean in the last century, you’ve probably heard of its legendary lifetime warranty. The Maine-based company makes clothing, shoes, outdoor gear, backpacks and other items.

You can send back an item purchased from L.L. Bean for any reason for up to one year from the time of purchase. After a year, the company will “consider any items for return that are defective due to materials or craftsmanship,” its website states.

A person uses a lighter.


XIKAR, which makes cigar accessories, offers a lifetime warranty on all products. Simply drop your lighter or cigar cutter in the mail, and the company will repair or replace it for free.

Note that the company might send you a “refurbished equivalent, depending on the age and condition of the return.”

17. Orvis

This outdoor gear and apparel company offers a 100% satisfaction guarantee, which means it’ll return your money or replace an item for any reason, at any time.

18. Away

Away, a company that makes suitcases with high-capacity batteries for charging cell phones and other devices, offers a lifetime limited warranty for the non-electronic components of its luggage. If your bag’s shell, wheels, handles or zippers stop working, the company will fix them or replace the bag for free.

You must be the bag’s original owner and have used it for travel by “air, car, train, boat and foot” for damage to be covered. To qualify, the problem must “impair the functionality of the product.”

The company won’t hang you out to dry if the battery dies, either. Away guarantees the electronic components inside its suitcases for two years.

32 Brands With Warranties for Manufacturer’s Defects

They might not cover regular wear and tear, but these companies will fix or replace unsatisfactory items.

19. Mountain Equipment Co-op (MEC)

Vancouver-based MEC has sold gear for snowsports, climbing, hiking, running, camping and other outdoor activities since 1971.

The company offers a “Rocksolid Guarantee” on all of its products and the advice its employees give you.

“If the quality of an item hasn’t met your expectations, you can bring it back,” according to the company’s website.

“We also guarantee the product selection advice we give. If something you purchased based on this advice turns out to be unsuitable, you can bring it back for an exchange, refund or credit.”

The company says it charges a “reasonable fee” to repair products damaged by normal wear and tear.

20. Columbia

On outerwear and equipment — think coats and backpacks — outdoor gear-maker Columbia offers a limited lifetime warranty.

Though the company won’t replace an item for normal wear and tear, Columbia will replace items with manufacturer defects.

If the zipper breaks, for example, you can send your jacket in to have it inspected. If the folks in the warranty department determine the defect is covered by the warranty, they’ll fix it and send it back, or send you a credit for the value of the item so you can buy a new one.

The company offers a one-year warranty on shoes and sportswear.

A person zips up a Patagonia jacket.

21. Patagonia

Outdoor gear-maker Patagonia calls its lifetime warranty an “Ironclad Guarantee.” If you buy Patagonia apparel and gear for climbing, skiing, snowboarding, surfing, fly fishing or trail running, and it doesn’t perform as expected, the company will replace it.

“We guarantee everything we make,” according to the company’s website. “If you are not satisfied with one of our products at the time you receive it, or if one of our products does not perform to your satisfaction, return it to the store you bought it from or to Patagonia for a repair, replacement or refund.”

Patagonia says it will repair damage due to normal wear and tear “at a reasonable charge.”

22. REI

Though REI got rid of its famous no-questions-asked lifetime return policy in 2013, the company will still let you return items that have manufacturing defects at any time as part of its limited lifetime warranty.

“If your item has a manufacturing defect in its materials or workmanship, you can return it at any time,” according to the REI website.

REI will also let you return an item for any reason for up to one year after you bought it.

23. Nordstrom

The department store Nordstrom has a famously generous return policy. Technically, it doesn’t actually have a return policy — but what the company means is that it’ll take back or exchange nearly any item, for any reason, at any time.

“We stand behind our goods and services and want customers to be satisfied with them,” explains the company’s website.

“We’ll always do our best to take care of customers — our philosophy is to deal with them fairly and reasonably.” There’s no time limit for returns or exchanges, so use your best judgment.

24. Vortex Optics

Vortex Optics makes an array of products, including binoculars, gun scopes, tripods and other gear.

The company has a “VIP warranty,” which says that it will repair or replace any Vortex product if it becomes damaged or defective. The warranty doesn’t cover theft, loss, deliberate damage or cosmetic damage.

The warranty is fully transferable and you don’t need to hang on to your receipt.

“You see, it doesn’t matter how it happened, whose fault it was, or where you purchased it. You can count on the VIP Warranty for all Vortex Optics riflescopes, prism scopes, red dots, rangefinders, binoculars, spotting scopes, tripods and monoculars,” according to the company’s website.

25. Adidas

Sportswear company Adidas will replace or repair any returned item that has a manufacturer defect or a “deviation from factory specifications.”

The company’s warranty does not cover normal wear and tear, however.

26. Jostens

Ring-maker Jostens offers a limited lifetime warranty on many of its rings, including high school class rings, college class rings and youth sports rings.

The company will resize, refinish, polish, clean and replace some types of stones for the life of the ring, as long as you’re the original owner.

27. Le Creuset

This maker of multicolored cookware products offers a limited lifetime warranty on cast iron, tri-ply stainless steel, metal bakeware and toughened nonstick items.

The Le Creuset warranty does not cover normal wear and tear, only defects in material and workmanship for products used in a normal household setting. To be eligible, you need to make sure you take care of your skillets and pans according to the company’s instructions.

The company offers five-year warranties on kettles and stockpots. It offers a limited 10-year warranty on stoneware.

A tervis cup sits by the water.

28. Tervis

Tervis makes water bottles, cups and mugs with nifty decorations (hello, Harry Potter cup!). It stands behind its products with guarantees.

The classic insulated products come with a lifetime guarantee. If its staff determine, after an inspection, that an item has a material defect or a problem due to workmanship, the company will replace it for free.

Stainless steel items come with a limited 5-year guarantee.

However, the warranties do not cover normal wear and tear, improper care or abuse. They also do not cover accessories.

29. Wüsthof

Wüsthof has been making knives and other kitchen tools since 1814, and it offers a lifetime warranty for defects in workmanship and materials.

30. Rainbow Sandals

Jay “Sparky” Longley began making sandals in his Laguna Beach garage in 1972. Now, if you buy a pair of his flip-flops, they’re guaranteed “for the lifetime of the sole,” according to the company’s website.

“The sandals will be eligible for warranty until you have worn through anywhere on the top or bottom layer of the sole.”

The warranty covers manufacturing defects only. If the strap pulls out from the base of the sandal or if the sandal’s sole layers become unglued, the shoes are likely covered by the warranty and the company will repair or replace them at no charge.

31. Filson

This Seattle-based company has made luggage, watches, outdoor gear and other items since 1897.

Filson offers a lifetime guarantee that covers failure of workmanship and materials for the life of its products. Normal wear and tear is not covered by the warranty.

32. The North Face

Most North Face products are guaranteed for the lifetime of the item against defects in materials and workmanship, with the exception of shoes, which only have a one-year guarantee.

A pair of Skullcandy handy headphones sit on a table with an iPad.

33. Skullcandy

Skullcandy makes colorful earbuds and headphones that range in price from $10 to $320.

The company offers a one-year limited warranty on most products for manufacturing defects. Products purchased prior to April 1, 2021, come with a two-year limited warranty.

34. Hydro Flask

Founded in 2009 in Bend, Oregon, Hydro Flask makes insulated bottles and food storage containers. The company offers a limited lifetime warranty that covers manufacturer defects, but not normal wear and tear.

The company will replace your flask or bottle if it has a broken or leaking cap, if it has lost its insulating properties or if it has been damaged during shipping. It will also replace your bottle or flask if it rattles.

35. Dakine

Dakine makes gear for playing in the snow, surfing, cycling and windsurfing. The company was founded in Hawaii in 1979 and is now located in Hood River, Oregon.

Dakine’s 10-year limited lifetime warranty protects its backpacks and bags against manufacturing defects, but does not cover normal wear and tear. It also offers a two-year limited warranty on gloves, accessories, windsurf and kite gear, outerwear and apparel.

According to the company’s website, manufacturer defects include things like a straight-edge tear along a seam, a stitching defect that makes it difficult to use the product and zipper malfunctions.

36. Chacos

Sandal-maker Chacos promises that its shoes will be free from defects in materials and workmanship. The company offers a limited lifetime warranty on its sandals, which have received high praise from devoted outdoorsmen and women.

The warranty does not cover normal wear and tear, problems with fit or sandals that have been worn past the point of repair.

37. Timbuk2

Timbuk2 makes messenger bags, backpacks, laptop bags and duffel bags. The company offers a lifetime warranty on all of its bags (but not its shirts and hoodies) that covers defects in materials or workmanship.

“Your Timbuk2 bag is sewn by hand and might contain some slight imperfections. Like Daniel Craig or Marilyn Monroe, the slight imperfections are what add character to an already awesome product,” according to the company’s website.

A person drinks water out of a Camelbak book bag.

38. Camelbak

The “Got Your Bak” guarantee covers defects in workmanship and materials for all Camelbak reservoirs, backpacks, bottles and accessories.

“Our Got Your Bak warranty program covers CamelBak products that legitimately fail due to a manufacture defect,” the company’s website states.

39. Polar Bottle

If you buy one of its water bottles and it breaks or is somehow faulty due to “defects in materials and workmanship,” Polar Bottle will replace it for you.

The warranty does not cover regular wear and tear on the item. It also does not cover “accident, combat damage, improper care or cleaning, non-standard usage or negligence.”

40. Gibson

Founded in 1894 In Nashville, Tennessee, Gibson has been a favorite of guitar players for centuries. Gibson guarantees its instruments to be free from defaults due to workmanship or materials, promising to repair or replace any instrument that doesn’t meet this standard.

The warranty doesn’t cover instruments that have been modified, or damages that occur from “misuse, negligence, accident or improper operation,” according to its website.

41. Big Green Egg

A Big Green Egg ceramic cooker is an investment that costs between $400 and $2,000, depending on size. But every cooker comes with a limited lifetime warranty, which softens the blow slightly.

The warranty covers “materials and workmanship on all ceramic components (including dome, base, damper top, fire box and fire ring),” according to the manufacturer.

The warranty is valid for the original owner, so if you buy one second-hand it won’t be eligible. You also need to make sure you register your product in order to make a claim on the warranty.

Leftovers sit in Tupperware.

42. Tupperware

Tupperware is best known for its plasticware that’s perfect for storing leftovers, but the company also makes a wide range of other kitchen products.

Tupperware’s website states that its products are “warranted by Tupperware against chipping, cracking, breaking or peeling under normal non-commercial use for the lifetime of the product.”

Depending on the product, certain components may be excluded. For example, the Limited Lifetime Warranty does not cover the silicone parts from the Microwave Pressure Cooker.

43. Calphalon

Calphalon makes kitchenware designed to withstand the test of time. Many of Calphalon’s items come with a lifetime warranty.

“Calphalon will replace any item found defective in material or workmanship when put to normal household use and cared for according to the instructions,” according to the company’s website.

Some older Calphalon items do not fall under the lifetime warranty and instead have a 10-year warranty.


44. Cross

Since 1846, Cross has made writing instruments and accessories like padfolios, wallets and journals. The company stands by its products by offering a lifetime guarantee for its writing instruments, and shorter guarantees for leather products and timepieces.

According to Cross’s website, “All Cross writing instruments and desk set penholder mechanisms are unquestionably guaranteed against mechanical failure, regardless of age.”

45. Lupine Pet

Quality pet products can be hard to find. Lupine Pet makes that a little easier thanks to its GUARANTEED (Even if Chewed) program.

“GUARANTEED (Even if Chewed) means we will replace any Lupine Pet brand dog collars, leashes or pet gear that has been accidentally damaged during normal pet-related activities, even chewing accidents!” Lupine Pet says on its website.

Lupine Pet will not replace an item that has been lost or outgrown, or one that has faded or has normal wear and tear.

46. Kryptonite Lock

Kryptonite makes secure locks for bicycles, motorcycles, scooters, all-terrain vehicles and snowmobiles. The company guarantees its products and will replace any lock that has a defect in material or workmanship.

All Kryptonite Lock products carry a lifetime limited warranty. Kryptonite also makes bike lights; those carry a two-year warranty.

A woman uses a flash drive while working on her laptop.

47. Kingston Technology

As technology has progressed, so has Kingston. The company got its start in 1987 making surface mount memory chips; today it makes several varieties of memory cards, SSDs, USB flash drives and more.

Kingston offers a lifetime warranty for many of its products. Other products carry warranties that range from one year  to five years, depending on the item. You can find a full list of what is covered on Kingston’s website.

48. Stanley Tools

Top-quality tools can serve you for many years. Stanley makes a wide variety of tools, and many of them are covered by a lifetime warranty.

Tools covered by this warranty include wrenches, sockets, ratchets, drive accessories, tape measures, hand tools and landscaping and garden tools. Other items may offer a shorter warranty.

49. Tilley

Tilley hats offers a lifetime guarantee on many of its hats.

“Most Tilley hats are guaranteed for life against normal wear and tear, poor workmanship or faulty material,” the company’s website states. “If something is not right, we’ll repair or replace your hat.”

50. Fiskars

Fiskars makes a wide range of products, from kitchen knives and craft blades to gardening shears and saws. The company stands by its products with its lifetime warranty.

According to the Fiskars website, “Fiskars products are warranted to the consumer purchaser to be free of defects in material and workmanship for as long as the consumer owns the product.”

This warranty doesn’t cover sharpening, wear and tear due to normal use or accidental damage.

Sarah Kuta and Catherine Hiles are contributors to The Penny Hoarder. 

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

4 Major Trends Every Gig Worker Should Expect in the 2021 Economy

As a staff writer, I cover trends in side gigs, app-based work and odd jobs, collectively referred to as “the gig economy.” These trends are volatile during a good year, and 2020 was anything but a good year.

Last year, I wrote a similar article about what to watch in the gig economy in 2020. And I’ll be the first to tell you I got some stuff laughably wrong. No one could have predicted a pandemic that steamrolled our economy.

But as things inch back to some sense of normalcy, there are a few trends that we can reasonably expect in 2021. Here’s what I’ll be watching.

1. An Overall Boom in Gig Work

The gig economy ballooned like never before in 2020.

According to an annual survey commissioned by Upwork, the freelance economy (including gig work like ridesharing as well as professional freelance services) soared to $1.2 trillion this year — a 22% increase from 2019.

On its face, that might sound like a great thing, but it’s more complicated. Instead of breaking our 9-to-5 chains, gig work has instead become a vital safety net. Gigs were there for millions of Americans when traditional jobs were not.

So when the gig economy sees huge gains like it did this year, that could be an indicator that the traditional economy is tanking and forcing people to pick up second or third jobs to get by.

Those gains weren’t distributed evenly, either. Similar to the traditional economy, events and entertainment-related sectors shrunk considerably, while delivery and e-commerce shined. With a vaccine rolling out and local economies creaking back open, it’s likely those discrepancies will start to even out in the coming year.

The overall job market, however, will take much longer to recover. Some economists predict things won’t be business as usual until 2024.

In the meanwhile, gig work will remain a makeshift safety net and continue growing in 2021 and beyond.

2. Side Gigs — Without the ‘Side’ Part

In a perfect economy, you wouldn’t need a side gig because your day job would be stable and would pay you well enough to cover a comfortable standard of living.

In an imperfect but functioning economy (think U.S. circa 2019), you might want a side gig to help you meet a goal. You have a solid day job but maybe you want to start Ubering temporarily to help you pay off your student loans or credit cards. Better yet, you launch a side gig to hone new skills that can translate into a better job — or even your own business. (This is really the best side-gig scenario. We highly recommend creating a similar “exit plan” for your side gig before taking on more work.)

Then there’s the pandemic economy. Cue the sad trombone. It has become increasingly common for people to cobble together their entire income off a smattering of different gigs. There’s no main gig or job. So none of them are technically “side” gigs.

In an interview with The Penny Hoarder earlier in the pandemic, Shiftsmart President Patrick Brandt, said he sees this gig economy trend playing out on his app, which provides a free service that pairs users with local or remote gig work and pays them per shift.

“People who were just using us for [side money] are now using us to stack shifts across multiple opportunities to fulfill their entire income,” he said.

Until the traditional job market recovers, more people will be forced into a similar situation.

3. A Coming Cliff for Some Gig Workers

For the first time ever in 2020, people without adequate work history — including independent contractors and gig workers — could qualify for unemployment benefits through a new program called Pandemic Unemployment Assistance.

The program was created through the $2.2 trillion CARES Act back in March 2020. It has been a lifeline for millions of Americans who are out of work due to the pandemic but don’t meet the requirements for regular unemployment insurance. The December stimulus package extended PUA into March 2021. Plus, it rebooted the enhanced weekly payment program known as Pandemic Emergency Unemployment Compensation (PEUC) — though this time as a $300 weekly boost instead of the original $600.

Read more on the extended unemployment benefits included in the second stimulus package.

All good news so far. But the December stimulus package also included some stipulations that might affect your benefits if you’re a gig worker.

By the end of March 2021, PUA recipients must submit documents (income statements, ledgers, 1099s and more) to prove their eligibility for the program. Providing such documentation may prove difficult for even the most earnest bookkeeping gig workers, as a comprehensive record of 1099 income is notoriously tough to maintain.

Fail to supply the proper information, and PUA recipients may be asked to pay back the unemployment money.

Previously, PUA recipients could self-certify that they were out of work due to coronavirus-related reasons — essentially pinky-promising under penalty of perjury.

Additionally, the December stimulus package was much smaller in scope than the CARES Act. It provides only 11 more weeks of unemployment benefits. The economic situation is unlikely to resolve itself within that time frame, so jobless folks may once again face their benefits being cut off in March 2021 unless there is a third stimulus package.

4. Ripple Effects of a New Gig Economy Rule in California

Something happened this year that has the potential to change the nature of the gig economy. I’m not talking about the pandemic.

After a long and expensive campaign that pitted some gig workers, unions and worker-rights advocates against Uber, Lyft, DoorDash and other major gig companies, a ballot measure called Proposition 22 passed on Election Day in California. Gig companies spent a collective $200 million in support of this new rule that affects their gig workers and independent contractors.

Why would they spend so much money lobbying in support of this rule? Well, if Prop 22 hadn’t passed, Uber, Lyft and other companies that rely on independent contractors would have had to reclassify their workers as employees. Among many changes, they would’ve been forced to adhere to minimum wage laws, grant benefits like health insurance, pay payroll taxes and provide workers compensation.

Prop 22 is essentially a compromise. It doesn’t supply gig workers with the full benefits of W-2 employment, but it provides more than they had previously. Uber CEO Dara Khosrowshahi refers to it as a “third way.” It doesn’t grant a minimum wage, but it does give gig workers an “earnings guarantee” and subsidizes health insurance costs if they regularly work a certain number of hours.

Why this matters is because the gig worker classification issue isn’t contained to California. It’s sprouted up in Illinois and New York already. And Khosrowshahi has overtly stated that he sees this “third way” as a national solution to the debate, which is sure to engulf even more states in the year to come.

Adam Hardy is a staff writer at The Penny Hoarder. He covers the gig economy, remote work and other unique ways to make money. Read his ​latest articles here, or say hi on Twitter @hardyjournalism.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

7 Companies That Will Pay You to Write Greeting Cards

I love greeting cards.

I didn’t know, however, that you can make money by submitting phrases, poems, art and photography to greeting card companies.

Some card companies even want old photos, so have some fun rummaging through your photo albums and memory boxes.

Here’s how to get in on the gig.

Get Paid to Write Greeting Cards for These 7 Companies

I found greeting card companies that’ll pay to use your words, art or photos.

Before swamping these companies with your submissions, though, be sure to familiarize yourself with the type of content they want.

1. Blue Mountain Arts

Poet-artist duo Susan Polis Schutz and Stephen Schutz founded Blue Mountain Arts 50 years ago. Their goal? Help people express their thoughts in, well, thoughtful ways.

Get familiar with the content by checking out the company’s Facebook page. You can find the writing guidelines on their website. Pay is not mentioned.

2. Calypso Cards

Image from Calpso

You might have seen some of Calypso’s products in specialty stores in the U.S. or Canada. The company encompasses several brands, including Selfish Kitty.

It produces some pretty sassy material, including a personal favorite: “We’re going to celebrate your birthday in style this year. I’ve already got a box of wine chilling in the fridge.”

If you have a cheeky, dry humorous voice, Selfish Kitty is accepting submissions for all occasions. Calypso also has an ongoing need for artwork related to occasions and holidays.

Pay is not specified.

3. Noble Works

Need a greeting card featuring Santa getting a back tat? Yeah, NobleWorks Cards has got you covered.

Even more funny? The slogan on the site reads, “Make American Greet Again.” (OK, I laughed.)

Anyway, these cards are funny, unique and risqué. You can join in and submit art, cartoons or writing.

Start by entering your information on Noble Works’ submission page. Expect to get an email outlining all of the criteria after. Pay varies, so be sure to ask.

4. Oatmeal Studios

Image from Oatmeal Studios

You’ve probably seen Oatmeal Studios’ cards on the shelves of popular retailers. They feature colorful cartoons paired with a silly saying.

Take, for example, a birthday card with a cartoon of a horse reading “50 Shades of Hay.” On the inside? “It’s your birthday — Horse around!” A horse with a toothy grin holds a whip.

Think you’ve got the right amount of sass? A bunch of submissions details are outlined on the site, although pay isn’t mentioned.

Rejected card ideas include puns, gross or mean ideas, lengthy poetry or prose and ideas that are too narrowly focused (i.e., congrats on your quintuplets).


This line of greeting cards, a division of Sellers Publishing, is self-described as “fresh, funny, sweet, and sugary mixed with a bit of sass & edge.”

RSVP has a card for any occasion. It might be pretty, or it might be silly. Either way, RSVP seems to really value its contributors: “We work with artists and writers all over the globe, which keeps our content fresh, varied and relevant. They are the core to the success of our card line.”

If you’re an artist, find all the information you need on this page. If you’re a writer, there’s a page for you, too.

As far as pay, it’s not specified. A representative said it varies by “industry standard.”

6. Shade Tree Greetings

This greeting card company has a line of cards called “Actual Pictures.”

You guessed it: These cards feature actual pictures, submitted by you. And you don’t even have to be good at photography. The company wants your old photos — ones from the ‘40s, ‘50s, ‘60s, ‘70s or ‘80s. Photos can be black and white or color.

They’ll probably be turned into something funny, so don’t submit anything you’re super sentimentally attached to.

If your photo is accepted, you’ll receive a $100 gift card to Cool Funny Gifts along with 12 cards with your photo. (If you’re not interested in a cool or funny gift, you could always try selling the gift card.)

Find all the details to submit online.

7. Viabella

Image from Viabella

These pretty cards are less crude and more sweet. They do, however, feature some of my favorite phrases, like “Shut the front door!” and “Holy Macaroni!”

Viabella accepts art, photography and writing. Pay is $150 to $250 per image and $50 to $100 per verse. The company says it pays more for humorous submissions. Viabella is not currently seeking religious or secular submissions.

You can find all the details in the submission guidelines.


Bonus: Card Gnome

Card Gnome is kind of like an Etsy for cardmakers.

You simply apply for a shop. Card Gnome handles the customization, printing and order fulfillment. Card designs and wording are up to you.

In return, you get 10% of the price of the card (that’s a 10-cent minimum). Once you’ve accumulated $10, you’ll get a check.

Carson Kohler (@CarsonKohler) is a former staff writer at The Penny Hoarder.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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