A lagniappe is a regional term that, in New Orleans, refers to a small gift or bonus—like receiving a baker’s dozen. Credit card points are an example. Many others are readily available. Here are ten to consider:

Banking. If you’ve ever paid a fee to use an ATM, Charles Schwab Bank’s checking account is worth a look. You can use any bank’s ATMs, and when other banks impose fees, Schwab will rebate them—without limitation. Another benefit: Use this ATM card overseas, and unlike most other cards, Schwab won’t charge any foreign transaction fees.

Borrowing. Mortgage rates have doubled over the past few years, so this might not seem like the ideal time to refinance. But there are two ways to potentially cut your interest costs: First, while rates are still high, they’ve come down from their peak last fall. Depending on when you purchased, a better rate might be available now. Another way to lower your rate: If there’s extra cash flow in your budget, you could refinance to a mortgage with a shorter term. Rates on 10-, 15- and 20-year loans can be much lower than the rate on a 30-year.

Saving. Just a few years back, bank savings rates were near zero. But today, it’s easy for savers to earn as much as 5%. The challenge, though, is that rates are far from uniform, with some banks still paying very little. If your bank is among those offering a meager rate, it’s worth considering the online banks, including Barclays (advertising 4.35% today), Capital One (also 4.35%), CIT (5.05%), Marcus (4.5%) or Synchrony (4.75%).

If your savings exceed the FDIC insurance limit, you could split the balance up among multiple banks, but that can be cumbersome. An alternative to consider: Open a brokerage account and buy a money market fund that holds only Treasury bills. Because Treasurys are backed up by the same entity as the FDIC—the Federal government—your money is effectively protected the same way, but with no limit on coverage. This approach is slightly more inconvenient than holding cash in the bank, but it’s the easiest way to protect a large balance.

Paying bills. Most insurance companies offer a discount for paying the entire annual premium all at once. But with savings rates so much higher today, it might make sense to opt for monthly or even quarterly payments. By stretching out the payments, you can keep more of your cash in the bank earning interest for longer.

Cellular service. These days, most cellular customers opt for one of the big three carriers: Verizon, AT&T or T-Mobile. But there’s an alternative called Mint Mobile which offers substantially cheaper plans. Until last year, Mint was an independent company. It’s now owned by T-Mobile and runs on its network. A potential downside: Data speeds for Mint customers are sometimes throttled, so it’s not for everyone. But it might be worth a look.

Investing. When the research firm Morningstar surveyed mutual funds, it reached this conclusion: “In every single time period and data point tested, low-cost funds beat high-cost funds.” Textbook economics dictates that “there’s no such thing as a free lunch,” but when it comes to investing, index funds offer investors just that. Jack Bogle, the late founder of the Vanguard Group, said it best: “In investing, you get what you don’t pay for.”

E-commerce. Shopping online? Three services are worth your attention: Ibotta and Rakuten offer cash back on purchases, while Honey searches for coupons and applies them automatically. What’s the catch? I assume these services are all collecting—and presumably selling—data on your shopping habits. That’s not great, but I’m not sure it’s any worse than what search engines and social networks are already doing.

Birthdays. When I was a kid, a local ice cream shop offered customers a free cone on their birthday. Many merchants now offer an online equivalent. Here are links to just a few: Starbucks, Dunkin’, J. Crew, Kohl’s, Sephora. A website called the Krazy Coupon Lady offers dozens more, and this site lists others.

Lottery tickets. I don’t advocate playing the lottery. But sometimes an investment opportunity might look a bit like a lottery ticket. Consider bitcoin. I’ve never liked it and still don’t. I see it as too speculative. At the same time, if you’d purchased even a small amount 10 years ago, you would have seen an approximately 80-fold increase in the price. That’s why I sometimes make this recommendation: If you see something that looks crazy, but also wonder if it might work out, then invest a small amount. If it turns into the next bitcoin, even a small investment will deliver a meaningful gain. And perhaps just as important, it can help to minimize regret. On the other hand, if it goes to zero, you won’t have lost much.

Everywhere else. California’s In-N-Out Burger is famous for its off-menu items, which are readily available but not advertised. This type of thing isn’t limited to the In-N-Out, though, and it gets at a final strategy for uncovering lagniappes: simply asking. To be clear, you’re not asking for special treatment. Rather, you’re simply looking for benefits that are available but not necessarily advertised. Because they aren’t the merchant’s first choice, you might have to ask a few different ways to uncover them. What’s an example? Some golf courses allow kids to play for free at certain hours. It’s surprising sometimes what a simple inquiry can uncover.