Earning while saving? A handful of public companies hand out extras—from on-board cruise credits to perpetual product discounts—simply for owning their stock.

Table of Contents

0. Why Chase Shareholder Perks?
1. Pros of Perk Stocks
2. Cons of Perk Stocks
3. Top 10 U.S. Stocks With Perks
4. Redeeming Your Benefits
5. Are Perks Worth It?
6. Best Money-Making Sites

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0. Why Chase Shareholder Perks?

Perks put a real-world return on your shares—often tax-free coupons or credits applied straight to products you already buy. Used wisely, they can juice total returns or offset lifestyle costs.

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1. Pros of Perk Stocks

• Instant Savings: Discounts kick in the moment your holding is verified.
• Tax Efficiency: Many perks (coupons, credits, freebies) aren’t taxed as income.
• Customer-Investor Alignment: Fans of a brand can lower the effective cost of staying loyal.
• Psychological Edge: Tangible benefits may deter panic-selling in volatile markets.

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2. Cons of Perk Stocks

• Small Print: Minimum share counts and holding periods apply.
• Yield Trap 2.0: A generous perk can mask a weak balance sheet.
• Hassle Factor: Claim processes sometimes involve third-party apps or mailed forms.
• Concentration Risk: Many perk names cluster in travel & consumer discretionary sectors.

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3. Top 10 U.S. Stocks With Perks

Rank	Company (Ticker)	Key Perk	Min. Shares
1	Carnival Corp. (CCL)	On-board credit $50–$250 per cruise, based on length	100
2	Royal Caribbean Group (RCL)	On-board credit $50–$250; $1 000 on world cruise	100
3	Norwegian Cruise Line Hldgs (NCLH)	On-board credit $50–$250 per sailing	100
4	InterContinental Hotels Group (IHG)	Shareholder-only hotel rate—up to 20 % off	1 ADR (registered)
5	Berkshire Hathaway (BRK.B)	≈8 % GEICO insurance discount + special pricing at Borsheims & Nebraska Furniture Mart during AGM	1
6	Wolverine World Wide (WWW)	30 % off Merrell, Saucony & other footwear via TiiCKER	1
7	Vital Farms (VITL)	Quarterly coupon for a free 18-pack of pasture-raised eggs (~$48/yr value)	100
8	Wallbox N.V. (WBX)	15 % off Pulsar Plus EV charger + free tumbler	200
9	iRobot Corp. (IRBT)	Up to $90 off select Roomba models :contentReference[oaicite:8]	500
10	Willamette Valley Vineyards (WVVI)	25 % off wine, free monthly tasting for four, VIP events	300

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4. Redeeming Your Benefits

1. Verify Ownership: Most issuers require a recent brokerage statement or portfolio sync with apps like StockPerks or TiiCKER.
2. Mind the Clock: Cruise lines ask for perk requests ≥ 3 weeks before departure.
3. Match Your Name: Ensure the shareholder record name matches the reservation or policy holder.
4. Track Hold Periods: Some programs demand weeks (or months) of continuous ownership before redemption.

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5. Are Perks Worth It?

Calculate perk yield:
Annual perk value ÷ capital required.
If that yield beats the stock’s ordinary dividend (and you love the product), holding a token position can make sense—as long as the underlying fundamentals check out.

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6. Best Money-Making Sites

Want more income streams beyond dividends? Check out Coinbai’s hand-picked list of the best money-making sites for tested ways to earn online—surveys, gig apps, passive-income platforms, and more, all on one page!

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Disclaimer: Information is believed accurate as of May 23 2025 but perk terms change frequently. Investing carries risk; always conduct your own research or consult a licensed professional before purchasing any security.