Updated May 10, 2020

79 Best Referral Programs to Make Money ($100+)

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You might not think of referrals as a sustainable source of income, but referring people to various brands can help you earn a lot of money.

Referral programs are similar to affiliate programs, with an emphasis on word of mouth marketing toward friends and family members.

This article will cover 79 programs that could help you make extra money in 2020 and beyond.

We’ll go over the pros and cons of each option along with the target audience and other factors to consider when selecting a referral program.

Programs are rated on several factors including the size of the bonus, any limits or restrictions, and available payment options.

Cash Back

Rakuten

  • Rakuten
    • Basics: New Rakuten members receive a $30 bonus simply for signing up and spending $30 within 90 days. After referring a user, you’ll receive an additional $30 once they earn their welcome bonus.
    • Pros: $30 is one of the best flat-rate referral bonuses on this list, and there’s no limit on how much you can earn. You can redeem rewards for cash through PayPal or a physical check, and you can earn other rewards in addition to referral benefits.
    • Cons: Rakuten doesn’t support direct deposit, and you’ll be paid just once per quarter. You’ll only receive a referral bonus if they spend $30 within 90 days of creating the account.
    • AMOUNT OF BONUS

      $30

    • PAYMENT OPTIONS

      PayPal and check

    • BONUS LIMIT

      None

Rakuten purchased Ebates for $1 billion in 2014, acquiring one of the largest cash-back services worldwide.

You can now earn as much as 40% in cash back simply by shopping through Rakuten, which supports more than 2,500 brands.

The referral program offers $30 for each successful referral, and new users also get a $30 welcome bonus.

TopCashBack

  • TopCashBack
    • Basics: The TopCashBack referral program pays members $10 for each new user they introduce to the service. You can earn additional rewards during promotions, so keep an eye out for the latest offers.
    • Pros: TopCashBack supports PayPal along with gift cards to a variety of stores. There’s no limit on how many people you can refer for the $10 bonus.
    • Cons: Unfortunately, you can’t redeem rewards through direct deposit. Users have to earn at least $10 in cash back to trigger the bonus, which could take longer than spending a total of $25 on Rakuten.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      PayPal and gift cards

    • BONUS LIMIT

      None

TopCashBack is similar to Rakuten, with support from more than 4,000 brands.

They also offer payouts with no minimum and give users the ability to choose among a number of payment methods including PayPal and gift cards to stores like Amazon, Mastercard, and Zeek.

Giving Assistant

  • Giving Assistant
    • Basics: With Giving Assistant, you’ll get $5 in cash every time a referral creates an account and earns 99 cents or more in the first 60 days. Your referrals will also receive a $5 welcome bonus to help them get started with the platform.
    • Pros: There don’t appear to be any limits on how much money you can earn through the referral program, so you’ll always have a reason to keep looking for new referrals. You can withdraw cash through PayPal or using an eCheck, and the minimum payout is just $5.99.
    • Cons: The website doesn’t offer as much in referral bonuses as some of its competitors, so you may need to make more referrals in order to earn the same amount of money. There’s no support for direct deposit or other convenient payment methods aside from PayPal and eChecks.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      PayPal or eCheck

    • BONUS LIMIT

      None

Giving Assistant helps customers save money while shopping online with their favorite brands.

Along with spending less on your own purchases, you’ll also be helping to raise money for a variety of nonprofits.

Your referrals will get an extra $5 in cash after signing up.

You’ll receive an additional $5 as long as they earn at least 99 cents in their first 60 days.

Treasure Trooper

  • Treasure Trooper
    • Basics: When you refer customers to Treasure Trooper, you’ll get 20% of their earnings for the life of the account. If your referrals go on to refer others, you’ll earn an additional 5% of anything they earn on the site.
    • Pros: Treasure Trooper offers one of the only referral programs with both first-tier and second-tier rewards. You could earn a lot of money with a large enough referral network, and it’s not a bad way to generate an ongoing income. The website allows you to redeem rewards through PayPal or a physical check. There are no limits on referral benefits.
    • Cons: You won’t get any upfront bonus for referrals, so you’ll only make money if the people you refer continue to use the site. There’s no unique bonus for new customers who sign up using a sharing link.
    • AMOUNT OF BONUS

      20% for first-tier referrals, 5% for second-tier

    • PAYMENT OPTIONS

      PayPal or check

    • BONUS LIMIT

      None

Treasure Trooper is a cashback site with more than $7 million in total payouts.

You can earn money by filling out forms, taking surveys, playing mini-games, and more.

In addition to 20% of your referrals’ earnings, you’ll also receive 5% from your second-tier referrals.

Treasure Trooper is one of just a few sites that offers second-tier rewards.

Mr. Rebates

  • Mr. Rebates
    • Basics: Rather than paying a set bonus for new referrals, Mr. Rebates offers a percentage of your referral’s earnings. You’ll get a 20% bonus on top of whatever they earn for as long as the account is active.
    • Pros: You can continue to receive rewards for a long time after referring a new user, making Mr. Rebates highly sustainable. The website allows you to refer an unlimited number of people, so you could earn more from referrals than from using the platform for cash back.
    • Cons: You’ll stop receiving rewards whenever your referrals lose interest. If someone stops using the site after earning $20, you’ll only get a total of $4 for that referral.
    • AMOUNT OF BONUS

      20% for first-tier referrals, 5% for second-tier

    • PAYMENT OPTIONS

      PayPal and physical check

    • BONUS LIMIT

      None

Mr. Rebates is another cash-back website with one of the most lucrative referral programs currently available.

Unlike Rakuten and TopCashBack, Mr. Rebates pays a percentage of your referral’s cash back instead of offering a flat bonus for each referral.

You’ll get 20% of each referral’s earnings for as long as the account is active.

CardCash

  • CardCash
    • Basics: Referrals get a coupon for $5 off when they sign up using your unique sharing link. Once they use that credit to make an order, you’ll receive an additional $5 credit applicable to your next purchase on CardCash.
    • Pros: There’s no limit on referrals, so you’ll earn another $5 for every person you connect to CardCash. The $5 welcome bonus gives people an additional reason to try out the service instead of buying gift cards directly from the brands.
    • Cons: You can only use the money you earn to buy gift cards, and there’s no way to withdraw rewards for cash. CardCash doesn’t allow referrals within the same household, so you can’t get the bonus by referring roommates or anyone in your immediate family.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      Gift cards

    • BONUS LIMIT

      None

CardCash is a gift card marketplace where users can sell cards for cash or buy them at a discount of up to 35%.

When you invite a friend or family member to CardCash, they’ll get $5 off their first order.

You’ll receive an extra $5 after they make their first purchase.

Raise

  • Raise
    • Basics: Raise offers $5 to referrers every time a friend or family member creates an account and makes their first purchase. Your referral just needs to spend $1 of their own money on an order within 30 days of signing up.
    • Pros: You’ll earn the reward even if your referral makes a small order, so there’s a very low barrier to entry. While there’s no referral-specific reward for new users, all new members get 10% off their first order up to a total of $20 in savings. You can earn an unlimited amount of money through the referral program.
    • Cons: Rewards can only be used on other gift cards, so you can’t redeem them for cash. There’s no special benefit to signing up as a referral, while both CardCash and Cardpool give new customers bonuses when they create an account through a sharing link.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      Gift cards

    • BONUS LIMIT

      None

Raise is another gift card vendor buying and selling cards to many of the same brands available on CardCash.

Like CardCash, Raise also pays $5 for each successful referral.

On the other hand, the website doesn’t mention anything about a similar $5 bonus for the new customer.

Cardpool

  • Cardpool
    • Basics: Cardpool offers a $7 welcome bonus on a customer’s first order of at least $25 when they sign up using a referral link. Referrers receive an additional $7 off their next purchase once the referral’s order is confirmed.
    • Pros: Cardpool’s referral program provides the highest payout of any gift card site we looked at. While the first-time discount is only valid on orders of $25 or more, the terms and conditions don’t mention any similar restrictions for referrers.
    • Cons: You can only earn credit for up to 50 total referrals, leading to a maximum overall bonus of $350. Since Cardpool focuses on gift cards, you can’t withdraw rewards for cash or redeem them for anything else.
    • AMOUNT OF BONUS

      $7

    • PAYMENT OPTIONS

      Gift cards

    • BONUS LIMIT

      50 referrals or $350 (lifetime, not annual)

Similar to CardCash and Raise, Cardpool specializes in buying and selling gift cards at less than their sticker price.

Each referral will get $7 off their first order of $25 or more.

When your referrals take advantage of the discount, you’ll get another $7 credit toward your next purchase.

Swagbucks

  • Swagbucks
    • Basics: Like Mr. Rebates, Swagbucks provides a percentage of what your referrals earn instead of a flat payment. In addition to cash back, Swagbucks also lets members earn money by taking surveys, watching videos, and more.
    • Pros: Swagbucks gives users more ways to make money, so referrals may earn more than they would have on another site. New users receive a $10 bonus once they spend $25 or more, giving your referrals another reason to sign up. There’s no limit on referral bonuses, and you can supplement referral earnings with other Swagbucks rewards.
    • Cons: Swagbucks pays just 10% of referral earnings rather than 20%, so you’ll need to generate twice as much in earnings to receive the same rewards. Payments can take as long as 14 days to process, and there’s no option for direct deposit. You can only receive PayPal transfers to the same email that you used for your Swagbucks account.
    • AMOUNT OF BONUS

      10%

    • PAYMENT OPTIONS

      PayPal and gift cards

    • BONUS LIMIT

      None

Swagbucks is one of the most well-known cash-back sites, offering users rewards for things like making purchases, watching videos, taking surveys, and more.

It also has an excellent referral program which functions similarly to that of Mr. Rebates.

BeFrugal

  • BeFrugal
    • Basics: After referring someone to BeFrugal, both sides will receive a $10 bonus after the new user earns $10 in cash back. You won’t earn a percentage of their earnings, so BeFrugal is better for quick cash than sustainable income.
    • Pros: There’s no limit on referrals, so you’ll continue earning money as long as you can find new users. BeFrugal supports a wide range of payout methods including physical checks, PayPal, gift cards, and direct deposits. The person you refer will receive a separate $10 bonus.
    • Cons: At just $10, BeFrugal’s referral reward isn’t as lucrative as some of its competitors. Similarly, your referral may need to spend $100 or more in order to reach the $10 cash-back minimum required to trigger the sign-up and referral bonuses.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      PayPal, gift cards, physical checks, and direct deposits

    • BONUS LIMIT

      None

BeFrugal advertises as much as 40% cash back when shopping at more than 5000 stores, and it currently supports several forms of payment.

New members get a $10 sign-up bonus after earning their first $10 in cash back, and you’ll get an additional $10 for referring them.

MyPoints

  • MyPoints
    • Basics: MyPoints pays out a 1750-point welcome bonus (~$10) along with a referral bonus worth 750 points. These bonuses become available once the user spends at least $20 during their first 30 days.
    • Pros: Referrals are unlimited, and they’re automatically combined with the rest of your MyPoints rewards. Your referral only needs to spend $20 to reach the bonus, making it much more attainable than other referral rewards.
    • Cons: On the other hand, they’ll have to spend that $20 within 30 days of creating the account. The referral bonus is relatively small compared to competing programs, and you can only request a PayPal transfer after reaching at least 3970 points.
    • AMOUNT OF BONUS

      750 points, or roughly $5

    • PAYMENT OPTIONS

      PayPal and gift cards

    • BONUS LIMIT

      None

MyPoints offers what you’d expect from a cash-back site including welcome and referral bonuses worth roughly $10 and $5, respectively.

Unfortunately, its referral program doesn’t quite stack up to the competition.

CashCrate

  • CashCrate
    • Basics: CashCrate offers unlimited referral bonuses using a percentage system similar to many other cash back sites. The main advantage is that you’ll receive a greater percentage of earnings as you refer more and more people to CashCrate.
    • Pros: Members receive a minimum of 20% of whatever their referrals earn, and that will continue to increase as your referral volume grows. You’ll also get a $3 bonus once each referral earns $10. There’s no limit on how much you can earn through CashCrate referrals.
    • Cons: As with other percentage-based programs, your earnings will always be dependent on referral activity. You’ll stop receiving any rewards if your referrals stop using CashCrate, and you’ll barely get anything if they only earn a few dollars. Unfortunately, you can only redeem rewards after earning at least $20.
    • AMOUNT OF BONUS

      20% of earnings (minimum) plus $3 bonus

    • PAYMENT OPTIONS

      None

    • BONUS LIMIT

      None

Similar to Swagbucks, CashCrate provides a variety of opportunities to earn cash back in relatively little time.

You can make money by taking surveys, getting into side hustles, shopping with specific brands, and engaging with other rewards programs along with finding referrals.

Extrabux

  • Extrabux
    • Basics: The Extrabux referral program offers 5% of each referral’s earnings plus a $5 bonus. You need to be “approved” to start referring users, but the website doesn’t say who can be approved or how to start the process.
    • Pros: Unlike most of its competitors, Extrabux offers both a flat fee and an ongoing percentage. There’s no limit on referrals, and the bonus is triggered once they earn $1 in cash back and make a purchase worth at least $5. You can redeem rewards on Paypal, for a physical check, or as a credit card transfer.
    • Cons: One key drawback is that you only get 5% of rewards earned in their first year after creating an account. While you’ll have two different sources of rewards, they’ll generally add up to less than what you could earn through other referral programs.
    • AMOUNT OF BONUS

      $5 plus 5% for one year

    • PAYMENT OPTIONS

      Physical check, PayPal, and credit card transfer

    • BONUS LIMIT

      No limit, but you’ll stop earning 5% after each referral’s first year on Extrabux.

Extrabux offers cash-back and a variety of additional rewards, and it works with countless popular brands in almost all areas.

Its referral program pays out a flat $5 in addition to 5% of the new user’s rewards for their first year after creating an account.

You can redeem earnings through PayPal, check, or a credit card.

PrizeRebel

  • PrizeRebel
    • Basics: Like many other sites, PrizeRebel pays out a percentage of the rewards earned by your referrals. The key difference is that you’ll earn a higher percentage as you continue using the site.
    • Pros: Diamond members get 30% of all referral earnings, with no limit on how many people you can refer or how long you can receive rewards. Rewards can be redeemed as a gift card, for cash through PayPal or a prepaid Visa card, or exchanged for entries in PrizeRebel contests.
    • Cons: Referral bonuses start at just 15%, and you’ll need to earn $160 in rewards in order to reach Diamond. As with other sites that pay a percentage, you’ll only get rewards if your referrals continue to take surveys and earn points.
    • AMOUNT OF BONUS

      15-30% depending on account level

    • PAYMENT OPTIONS

      PayPal, prepaid Visa, gift cards, and contest entries

    • BONUS LIMIT

      None

PrizeRebel is a survey site that pays users for answering questions.

Rewards can be redeemed for gift cards or through an instant PayPal transfer.

There’s no limit to the referral program, which is highly scalable and provides an extremely lucrative opportunity to dedicated users.

FusionCash

  • FusionCash
    • Basics: FusionCash allows you to earn up to $5 every time you refer a user to the platform. You’ll get your first $1 after they confirm their email address, the next $2 after they sign up for their first offer, and the last $5 once they receive approval for cashing out.
    • Pros: You can redeem FusionCash rewards for cash through PayPal, check, or direct deposit. There’s also a $5 sign-up bonus, giving your referrals another reason to sign up and start using the service. There’s no overall limit on referral bonuses.
    • Cons: You’ll only be able to withdraw rewards after earning $25 or more, at least $15 of which must be from your own activity rather than referrals. Referrals also need to accumulate $25 before cashing out, so some people may give up before reaching the minimum.
    • AMOUNT OF BONUS

      $8 total

    • PAYMENT OPTIONS

      PayPal, check, or direct deposit

    • BONUS LIMIT

      None

FusionCash pays users to sign up for online services, watch videos, and perform a wide range of other actions.

You’ll earn $1 when each referral confirms their email address, another $2 when they complete their first Paid to Sign Up offer, and $5 every time they’re approved to cash out.

PaidViewpoint

  • PaidViewpoint
    • Basics: The PaidViewpoint referral program offers a 20% commission on referrals, but there are a few important limitations. Members with at least 100 active referrals can join the VIP Community Builders Club for further marketing opportunities.
    • Pros: 20% is a relatively high payout for referrals, and Club members gain access to additional marketing tools. PaidViewpoint is one of a few sites on this list with separate programs for high-volume referrers.
    • Cons: While you’ll earn 20% on up to $125 in rewards, PaidViewpoint limits benefits to $25 per referral. You won’t be able to withdraw rewards into your referral withdraws theirs, and PayPal is the only supported payout method.
    • AMOUNT OF BONUS

      20%

    • PAYMENT OPTIONS

      PayPal

    • BONUS LIMIT

      $25 per referral

PaidViewpoint functions like other survey sites, and its referral program scales into a VIP Community Builders Club for those with 100 or more active referrals.

Like Mr. Rebates, PaidViewpoint pays 20% of referral rewards, but there’s a $25 limit on total rewards from each referral.

Earnably

  • Earnably
    • Basics: Earnably offers a flat 10% of everything your referrals earn for the life of their accounts. The only exclusions are promo codes and other one-off bonuses—aside from those earnings, you’ll receive 10% of all referral rewards at the beginning of each month.
    • Pros: There’s no limit on referral rewards, so referring enough people to Earnably could generate a somewhat sustainable income. The site gives users several ways to earn rewards, so your referrals may be able to make even more money. You can withdraw points for cash or gift cards.
    • Cons: Earnably and a few other sites offer a higher percentage of referral earnings. Since Earnably pays out 20%, you’ll need to make twice as many referrals in order to earn the same amount of money.
    • AMOUNT OF BONUS

      10% of referral earnings

    • PAYMENT OPTIONS

      PayPal and gift cards

    • BONUS LIMIT

      None

Earnably allows users to earn points by watching videos, taking surveys, and performing other actions.

Like PrizeRebel, Earnably pays referrals a certain percentage of whatever their friends and family members earn on the site.

You’ll receive 10% of all referral earnings.

Investing

Acorns

  • Acorns
    • Basics: Acorns is an affordable and accessible investment platform designed to help new investors build their portfolio and develop strategies. The referral program offers $5 for each person you introduce to Acorns.
    • Pros: Acorns is one of the most robust and popular investment services currently available, so you shouldn’t have as much trouble convincing friends and family members to sign up. With a minimum investment of just $5, the referral bonus is relatively easy to reach.
    • Cons: $5 is significantly less than some other referral programs offer, so you’ll need to refer a large volume of users. You’ll need to be a paid Acorns member in order to access referral benefits, so it’s only worthwhile if you were already planning to use it.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      N/A (deposited into investment account)

    • BONUS LIMIT

      None

Acorns is one of the most popular investing services, with apps available on both iOS and Android.

It encourages users to make regular contributions to their portfolios in order to streamline the process of putting money away for retirement and other long-term financial goals.

M1 Finance

  • M1 Finance
    • Basics: Relative to Acorns, M1 Finance offers a better referral bonus but also requires users to invest a much larger amount of money. The right one for you depends on whether you expect your friends and family to reach M1 Finance’s minimum investment.
    • Pros: You’ll receive an unlimited number of $10 bonuses for each user you introduce to M1 Finance. While the minimum investment is relatively high, the platform doesn’t charge a monthly fee or commissions on trades, making it affordable compared to other investment services.
    • Cons: Your referrals will have to invest at least $100 ($500 for retirement accounts) in order to trigger the referral bonus. This reward is only available if they reach the minimum investment within 30 days of creating an account.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      N/A (deposited into investment account)

    • BONUS LIMIT

      None

M1 Finance offers similar investing tools to Acorns without the monthly fee, although its features aren’t quite as robust.

Its referral program allows both you and the person you refer to earn a $10 bonus once they create an account with your unique referral link.

Robinhood

  • Robinhood
    • Basics: Robinhood is another commission-free trading platform that doesn’t require referrals to fund their account. Instead of paying a flat rate for each referral, Robinhood rewards you with a random free share of stock.
    • Pros: Your bonus could be worth as much as $200, although every reward is randomized. While there’s technically an annual limit on referral bonuses, it’s much higher than most users will reach in a single year.
    • Cons: The Robinhood terms and conditions clarify that there’s a 98% chance of receiving a stock worth $10 or less. Your rewards will expire if you forget to claim them for 60 days.
    • AMOUNT OF BONUS

      One free share

    • PAYMENT OPTIONS

      N/A (received as stock)

    • BONUS LIMIT

      $500 per year

Robinhood is an online commission-free platform with a minimum deposit of $0.

It supports a wide range of investments including stocks, options, and cryptocurrencies.

You can manage your portfolio through the website or app (available on iOS and Android).

Wealthfront

  • Wealthfront
    • Basics: Instead of offering a flat bonus, Wealthfront offers free financial planning as an incentive for referrals. The annual advisory fee typically costs 0.25% of your assets, and each referral removes that fee on up to $5,000. If you have $10,000 in your account, you’ll receive free financial planning after referring two people.
    • Pros: Financial planning fees can cut into your gains, and Wealthfront charges the same fee every year. You’ll continue to receive the exemption as long as the person you referred keeps their account open and funded. They’ll also get $5,000 managed for free after opening an account using your referral link.
    • Cons: The fee works out to roughly $1 per $5,000 per year, so individual refers aren’t as valuable as they sound. On the other hand, your savings will keep growing over time—for example, if you refer 20 people who continue to use Wealthfront, you’ll be able to invest up to $100,000 for free for life.
    • AMOUNT OF BONUS

      Annual advisory fee waived on $5,000 of assets for each referral

    • PAYMENT OPTIONS

      None (waived fee)

    • BONUS LIMIT

      None

Wealthfront is an all-in-one financial platform with services such as high interest savings accounts, financial planning, and automated investments.

Its referral program allows you to reduce your annual advisory fee on investment accounts each time you refer a new user.

Stash

  • Stash
    • Basics: Stash supports retirement and conventional investment accounts plus banking services. The referral program pays out $5 in addition to a $20 sign-up bonus for all new members. You should receive rewards within five business days.
    • Pros: Like Robinhood, Stash limits users to $500 in annual referral benefits, so you would have to refer 100 people in a single year to reach the maximum. You’ll be able to move rewards between Stash accounts or into an external account.
    • Cons: While the average user won’t generate 100 referrals in a year, this limitation is worth considering for experienced referrers. As with Acorns, only users who are already paying for a subscription can refer new members.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      N/A (deposited into investment account)

    • BONUS LIMIT

      $500 per year

Like M1 Finance, Stash offers investment services along with other financial products like banking and custodial accounts.

Investing subscriptions come at $1, $3, and $9 per month depending on your needs, while you can create certain types of accounts for free.

Public

  • Public
    • Basics: Public is a free investment platform that also includes a vibrant social network. Similar to Robinhood, it rewards members for each referrals with a random share of stock. Your bonus could be worth up to $50.
    • Pros: You’ll receive a share as soon as your referral’s account is approved, even if they don’t deposit any funds. You can earn an unlimited number of free shares, while Robinhood caps referral rewards at $500 per year.
    • Cons: Public doesn’t provide odds for different rewards, so you may receive a less valuable share. Furthermore, users can only withdraw referral rewards after waiting for at least 90 days, although you can sell the share and reinvest it in something else if you prefer.
    • AMOUNT OF BONUS

      One free share

    • PAYMENT OPTIONS

      None

    • BONUS LIMIT

      None

Public is a sleek investing service that makes it easy for investors to connect through a unique social platform.

It doesn’t have any account minimums or trading fees, and users can earn 2.5% interest on up to $10,000 in uninvested cash.

Firstrade

  • Firstrade
    • Basics: Firstrade is a free investment platform with no commissions or monthly fees. Both you and the person you refer will receive a free stock once their application is approved, even if they don’t fund their account.
    • Pros: While free shares range from $3 to $200, you also have a 1 percent chance of receiving a share of Apple, Facebook, Bank of America, or Advanced Micro Devices. Unlike many other investment platforms, Firstrade doesn’t have a minimum investment.
    • Cons: As with other free stock programs, you’ll probably receive a relatively small reward. There’s also a lifetime limit of just $500, significantly lower than restrictions in similar referral programs.
    • AMOUNT OF BONUS

      One free share

    • PAYMENT OPTIONS

      N/A (received as stock)

    • BONUS LIMIT

      $500 per account

Firstrade is the only brokerage with zero commissions on stocks, ETFs, options, mutual funds, and fixed income.

It supports a variety of investment accounts and offers a free stock for each new referral.

Transportation and Travel

Uber

  • Uber
    • Basics: You can earn money for referring either riders or drivers to Uber, although the bonus is larger for drivers. Unfortunately, Uber doesn’t offer any details on how much you’ll receive for each referral.
    • Pros: Uber is much easier to sell to friends and family than some of the niche services on this list. Driver referrals can be a sustainable source of income if you know enough people interested in becoming Uber drivers.
    • Cons: Without specifics, it’s difficult to say how much you could earn through Uber referrals. Additionally, Uber is so popular that you may have trouble finding people who don’t already use it. While it’s far from the only company on this list with predatory business practices, Uber’s policies hurt drivers, who often receive less than minimum wage.
    • AMOUNT OF BONUS

      Unclear

    • PAYMENT OPTIONS

      N/A (Uber credit)

    • BONUS LIMIT

      None

The largest rideshare app worldwide, Uber offers referral benefits for both drivers and riders.

You’ll receive payment once your referral either requests their first trip as a rider or completes a certain number of trips as a driver.

Lyft

  • Lyft
    • Basics: Instead of paying a flat rate, Lyft gives you one free ride up to a certain limit. The person you refer will also be able to request one free trip, making this one of the more lucrative referral programs among transportation services.
    • Pros: Two free rides could add up a significant amount of money, and people who use Uber may be willing to switch for a free trip. You can receive up to $2,000 in referral bonuses per week, allowing for essentially unlimited rewards. There’s also a separate program for referring Lyft drivers.
    • Cons: The Lyft website states that referral benefits are only available in select cities, but there isn’t any further information about this restriction. Similarly, referral credits only act as a free ride up to a “specified amount,” but the website doesn’t specify that amount. Rewards expire after just 14 days.
    • AMOUNT OF BONUS

      Free ride for your and referral, only if referral signed up

    • PAYMENT OPTIONS

      None

    • BONUS LIMIT

      None

Lyft, Uber’s top competitor, provides both you and your referral with a free ride once they sign up using your unique referral code.

You’ll receive the reward once they create an account and take their first trip.

Tesla

  • Tesla
    • Basics: Tesla pays a flat $250 credit bonus in exchange for referrals to solar panel purchases or subscriptions. If your referral buys a car, you’ll both receive 1,000 miles of free charging plus one entry into a sweepstakes for a Model Y or Roadster.
    • Pros: $250 is a significant amount for a single referral. Furthermore, a new car is one of the most valuable bonuses on this list, although each individual user is extremely unlikely to win.
    • Cons: On the other hand, 1,000 in free charging only works out to around $50, which isn’t much compared to the cost of a new car. The $250 bonus can only be used for other Tesla products or services, making it less flexible than other referral programs.
    • AMOUNT OF BONUS

      $250 credit for solar panels, 1,000 free miles of charging for cars

    • PAYMENT OPTIONS

      None (Tesla credit)

    • BONUS LIMIT

      None

Referring someone to Tesla is obviously a more difficult task than bringing them to Uber or Lyft, but the rewards are also significantly greater.

You’ll earn 1,000 miles of free Supercharging plus an entry for a Model Y or Roadster for each referral to a Tesla car, or $250 for each referral to their solar panels.

Airbnb

  • Airbnb
    • Basics: Airbnb offers up to $85 in total rewards for each referral, including $20 for each stay and $10 for each experience. The person you referral can receive a discount on their first trip worth as much as $55.
    • Pros: The referral bonus is even better for new users than it is for the person referring them, as $55 off a trip is a great incentive. With a lifetime limit of $7,000 total, you could refer over 200 people without reaching the maximum.
    • Cons: Reserving a room or an experience is a greater barrier to entry than many other referral programs, and you’ll have to find someone who hasn’t used Airbnb in the past. You can only get the full $30 if they reserve both a stay and an experience.
    • AMOUNT OF BONUS

      $20 for stays $10 for experiences

    • PAYMENT OPTIONS

      N/A (Airbnb credit)

    • BONUS LIMIT

      $5,000 for stays and $2,000 for experiences

Airbnb’s properties cover more than 200 countries, making it a convenient option for almost any trip.

Its referral program includes significant benefits for both sides with a maximum of $7,000 per user—$5,000 for homes and $2,000 for experiences.

Marriott

  • Marriott
    • Basics: Marriott offers 2,000 points, or roughly $20, each time your referral books a stay (up to five stays per referral). The person you refer will also earn 2,000 points for their first five stays, resulting in up to $200 in total rewards per referral.
    • Pros: You can earn as much as $100 for each Marriott referral, making it one of the most effective programs overall. Similarly, friends and family will be incentivized by the opportunity to save $100 on hotel stays.
    • Cons: Hotel rooms can be extremely expensive, so your referral will have to spend a lot in order to trigger the full $100 bonus. You can only refer up to five people per year, putting a relatively low limit on earnings compared to other programs.
    • AMOUNT OF BONUS

      $20 per stay up to $100 per referral

    • PAYMENT OPTIONS

      None (Marriott points)

    • BONUS LIMIT

      $100 per referral, up to five referrals per year

Marriott offers excellent referral rewards for both sides, helping you save money at its properties across nearly 50 countries.

You can refer as many as five users per year and earn up to $100 from each one, leading to as much as $500 in referral bonuses per year.

HotelTonight

  • HotelTonight
    • Basics: HotelTonight pays $25 for each referral as long as they make a booking worth at least a total of $135. The person you refer will also receive $25 off their reservation. An alternative program offers a $50 coupon plus 20% off your referral’s first booking.
    • Pros: Both plans provide a decent return on investment, with the first one paying out $50 when your referral spends as little as $110 ($25 off a $135 booking). The website doesn’t list any restrictions or limits on how much you can earn.
    • Cons: Unfortunately, there’s no information covering how to switch from one program to the other. Rewards are paid out in the form of a HotelTonight coupon, so they can only be used for future reservations rather than being redeemable for cash.
    • AMOUNT OF BONUS

      $25 or $50 depending on the program

    • PAYMENT OPTIONS

      None (coupons only)

    • BONUS LIMIT

      None

HotelTonight is one of the top websites for affordable hotel rooms on short notice, offering reservations either in advance or on the day of your stay.

The HotelTonight referral program pays a flat $25 for each person who signs up and makes a booking using your invite code.

ZEN Rooms

  • ZEN Rooms
    • Basics: The ZEN Rooms referral program offers 10% off one stay for every successful referral. When friends and family members use your unique sharing link, they’ll get an additional 10% off their first booking.
    • Pros: 10% off can lead to significant savings when booking a hotel, providing a great incentive for both you and your referrals. There’s no limit on how much you can earn, so you could save hundreds of dollars through the ZEN Rooms referral program.
    • Cons: You can only use bonuses on future bookings, and you won’t receive any ongoing rewards after a referral’s first booking. In other words, you’ll have to refer a new person every time you want 10% off another stay.
    • AMOUNT OF BONUS

      10% off one stay

    • PAYMENT OPTIONS

      None (credit for 10% off)

    • BONUS LIMIT

      None

ZEN Rooms connects travelers with budget hotels throughout Asia.

In addition to a free night every 10 nights, you’ll get a credit for 10% off every time you refer someone to their first booking on the site.

They’ll also get 10% off their first stay with ZEN Rooms.

Hotels.com

  • Hotels.com
    • Basics: With Hotels.com, you’ll get $50 off one reservation every time one of your referrals books a room for at least $200. The website doesn’t mention any restrictions or limitations on how many people you can refer for rewards.
    • Pros: With no limit, there will always be a reason to refer new customers to Hotels.com. Considering they only need to spend $200 to trigger the bonus, $50 is a decent bonus. The credit for $50 off will give referrals an additional reason to use the platform.
    • Cons: Hotels.com doesn’t clarify whether the credit is for $50 or $50 off a single reservation. With that in mind, you may be limited to one $50 off credit per booking. Either way, referral bonuses can only be used on reservations at Hotels.com
    • AMOUNT OF BONUS

      $50 off

    • PAYMENT OPTIONS

      None (credit for $50 off)

    • BONUS LIMIT

      None

Hotels.com offers rooms around the world with benefits like free cancellation, paying at the hotel, and a free night every ten nights.

Your friends and family members can use your link to get $50 off their first booking, and you’ll receive a credit for $50 once they make a reservation worth $200 or more.

Vimbly

  • Vimbly
    • Basics: When you refer someone to Vimbly, you’ll receive a $10 credit as soon as they make their first reservation. Credits can be applied to any future purchase, and there’s no cap on annual or lifetime referral earnings.
    • Pros: Your referral bonuses can stack, allowing you to put more than $10 toward a single activity. With no limit, there will always be an incentive to find new referrals. New customers get an additional $10 when they sign up through your referral link.
    • Cons: Referral rewards can only be used on Vimbly and have no cash value. Your friend or family member will only receive their $10 bonus after making a booking, so they won’t save any money on their first reservation.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (Vimbly credit)

    • BONUS LIMIT

      None

Vimbly connects users with travel and tourist activities like escape rooms, cruises, restaurants, bars, and more.

You’ll get $10 toward any activity every time you refer a friend who books an activity through Vimbly.

There are no other limits or restrictions on the referral program.

Getaround

  • Getaround
    • Basics: Getaround pays $20 to both referrers and referrals, and you’ll get the credit as soon as they start their first trip through the app. If they provide a car for Getaround users to rent, you’ll receive a $200 bonus.
    • Pros: $200 is one of the highest individual rewards on this list, and Getaround claims that the average listing generates $967 per month. They just have to start one trip to trigger the bonus, so you won’t have to wait for them to clear a spending threshold.
    • Cons: The $20 bonus can only be applied to a single trip, so some will be wasted if you use it for a booking worth less than $20. Like HotelTonight, Getaround pays out rewards in the form of credit, so you can’t use them for anything else.
    • AMOUNT OF BONUS

      $20 for renters, $200 for listings

    • PAYMENT OPTIONS

      None (credit only)

    • BONUS LIMIT

      None

Getaround offers instant access to rental cars, which you can unlock using your phone while paying by the hour or day.

Users earn $20 for each referral who books their first trip, and the person you refer will also receive $20 in credit.

You’ll get a $200 bonus if your referral shares their car on Getaround.

eBags

  • eBags
    • Basics: eBags pays customers $10 for each successful referral, and you’ll receive the credit as soon as they complete their first purchase. New customers get a discount on that order worth as much as 65% off.
    • Pros: Your referral will get a steep discount, and eBags offers many of the same brands that you can find at other stores. With the offer, eBags could be their most affordable option if they’re looking for a new suitcase or backpack.
    • Cons: You can only refer up to 25 people in a calendar year, leading to a maximum of $250 in referral rewards. Bonuses are paid out in eBags points, which have no cash value and can only be used on eBags. While the website claims that referrals get “up to 65% off,” it doesn’t explain how the percentage is determined.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (eBags points)

    • BONUS LIMIT

      $250 per calendar year (25 referrals)

eBags is an online shop with a diverse selection of bags including luggage, backpacks, travel accessories, and more.

You’ll receive $10 in rewards points for each person you refer who makes their first purchase on eBags.

Referrals also get a discount of up to 65% on their first order.

Pavlus

  • Pavlus
    • Basics: You’ll receive a bonus of anywhere from $50 to $250 for each successful referral to Pavlus. The minimum booking for a referral bonus is $500, and only certain types of vacations are supported. Your friend or family member needs to register as a referral before confirming the reservation.
    • Pros: There’s no limit on referral rewards, and you can earn as much as $250 whenever you introduce someone new to the service. Just ten referrals could net an incredible $2500, and dedicated referrers can make a lot of money on Pavlus. Referrals are paid in cash, so you don’t need to book another vacation in order to take advantage of the program.
    • Cons: The $250 bonus is only available for Oceania Cruise reservations, and many bookings are only worth $50. Travel agencies are generally unpopular, so you may have trouble convincing people to try Pavlus. Furthermore, Pavlus focuses on all-inclusive experiences, so their vacations tend to be extremely expensive.
    • AMOUNT OF BONUS

      $50 to $250 depending on booking

    • PAYMENT OPTIONS

      None (cash)

    • BONUS LIMIT

      None

Pavlus offers travel planning services for tours, cruises, and other vacations.

The referral program offers up to $250 every time a friend or family member uses Pavlus to book a cruise, river cruise, tour, or all-inclusive vacation.

The amount of each bonus depends on your referral’s booking.

Personal Finance

Chase

  • Chase
    • Basics: The Chase referral program offers $50 for each person you lead to a new checking or savings account. There are also unique promotions for different credit cards. For example, you’ll earn $100 in cash back for each referral who is approved for a Chase Freedom credit card.
    • Pros: You’ll receive $50 each time someone creates an account regardless of whether they use it. Chase also offers different welcome bonuses for different accounts, sometimes including rewards worth hundreds of dollars.
    • Cons: Chase limits you to a total of $500 in referral rewards per year, so you can only refer up to ten people. Credit card referral offers vary from one card to another, so your reward will be different depending on which card your referral chooses. You won’t receive a reward at all if they aren’t approved for the card.
    • AMOUNT OF BONUS

      $50

    • PAYMENT OPTIONS

      None (credited into your account)

    • BONUS LIMIT

      $500 per year

Chase offers lucrative rewards in exchange for inviting friends and family members to create a checking or savings account.

You’ll receive $50 for each referral who creates a qualifying account.

You can refer up to ten people per year for a total of $500 in annual rewards.

Capital One

  • Capital One
    • Basics: Capital One pays $100 for each referral up to a maximum of $500 per year. Unlike Chase, Capital One has the same offer for all credit cards, so you’ll receive the same bonus regardless of which card your referral applies for.
    • Pros: The most obvious benefit of Capital One’s referral program is that you’ll get twice as much money for each referral. Anyone with a Quicksilver, Savor, SavorOne, Venture, or VentureOne card and with all accounts in good standing can take advantage of the referral program.
    • Cons: Like Chase, Capital One limits cardholders to just $500 in any given year, so you’ll have to move on to another program after referring five people. You won’t be able to receive bonuses if any of your accounts are closed or in default.
    • AMOUNT OF BONUS

      $100

    • PAYMENT OPTIONS

      None (credited into your account)

    • BONUS LIMIT

      $500 per year

Capital One offers a variety of credit cards offering unique benefits.

Like Chase, Capital One cardholders can refer new users for a bonus, but Capital One pays $100 instead of $50.

Similarly, there are additional benefits for new members.

American Express

  • American Express
    • Basics: The American Express referral program is a great way to generate additional income. You can earn points as long as you have at least one American Express Card, and you’ll receive a bonus whenever someone is approved for a new card after using your link.
    • Pros: You can technically earn rewards by referring yourself, and you’ll also receive a welcome bonus after receiving approval. In contrast to some other credit card referral programs, the reward is the same no matter which card they choose.
    • Cons: Your referral bonus can change depending on the card you have, so some users may receive more points than others. Similarly, different cards have different referral limits, so remember to check for any restrictions before getting started.
    • AMOUNT OF BONUS

      Depends on your card

    • PAYMENT OPTIONS

      Credited as American Express points, can be redeemed for gift cards and other rewards or even used as payment at some merchants

    • BONUS LIMIT

      Depends on your card

American Express is one of the top credit card providers in the United States, and its referral program pays both sides once the new user is approved.

You’ll receive a rewards regardless of the card they apply for, so there’s no benefit to recommending certain cards over others.

TD Bank

  • TD Bank
    • Basics: TD Bank offers $50 to both referrers and referrals as long as the new customer direct deposits at least $250 or makes 15 purchases with their debit card within 60 days. You can refer up to ten people per year for an annual limit of $500 in rewards.
    • Pros: The person you refer will receive an additional $50 just for opening a new account. Unlike credit cards, banks don’t perform a hard pull on your credit, so friends and family may be more receptive to the idea.
    • Cons: $250 is still a significant amount of money, and TD is known for charging a variety of fees which could cut into your bonus. You won’t receive any rewards until 60 days after your referral creates an account, leading to a much longer turnaround relative to similar programs.
    • AMOUNT OF BONUS

      $50

    • PAYMENT OPTIONS

      None (credited into your account)

    • BONUS LIMIT

      $500 per year

TD offers a variety of bank accounts including checking, savings, money market, and more.

You and the person you refer will both receive $50 whenever they create a new account and either make a direct deposit of at least $50 or use their debit card for 15 purchases in the first 60 days.

Citi

  • Citi
    • Basics: The Citi referral program pays different rewards depending on the type of referral. You can receive your bonus in points or miles or opt for a rebate, and rewards are supported for personal loans in addition to credit cards and bank accounts.
    • Pros: Citi’s program is highly flexible, especially considering that most competing programs don’t offer perks for personal loan referrals. You’ll earn 70,000 points for a referral to a Citigold bank account, enough to redeem for $350.
    • Cons: The main drawback is that you’ll receive a smaller bonus if your referral signs up for a credit card. It’s difficult to upsell friends and family members on a referral, and they may not be interested in a wealth management account like Citigold.
    • AMOUNT OF BONUS

      10,000 points (~$50) for credit cards, 20,000 points for personal loans and Priority bank accounts, and 70,000 points for Citigold bank accounts

    • PAYMENT OPTIONS

      Points, miles, and rebates

    • BONUS LIMIT

      None

Citi offers a flexible referral program including bonuses for referrals to credit cards, personal loans, and bank accounts.

You could earn as much as $350 in points, miles, or a rebate for a single referral, making this one of the most lucrative programs currently available.

SoFi

  • SoFi
    • Basics: SoFi provides a referral reward for introducing a new user to a variety of services. Bonuses are currently available for rewards to SoFi Money, Active Investing, Student Loan Refinancing, and Personal Loans.
    • Pros: You can continue earning referral bonuses until reaching $10,000 total, one of the highest overall limits on this list. You’ll receive a bonus as long as they sign up (and are approved) for one of the four programs lists.
    • Cons: SoFi doesn’t list specific referral bonuses, so the exact amount may vary from one service to another. While there are several ways to earn rewards, some SoFi products and services are excluded from the referral program.
    • AMOUNT OF BONUS

      Not specified

    • PAYMENT OPTIONS

      N/A (credited into your account)

    • BONUS LIMIT

      Lifetime, not annual

SoFi is a major financial brand offering everything from investing, saving, and budgeting to student and personal loans.

Individual members can earn as much as $10,000 for referrals alone, and they’ve already paid out more than $2,000,000 in referral bonuses.

Discover

  • Discover
    • Basics: Discover it Miles cardholders earn a $100 statement credit for each person they refer to a Discover card. This bonus drops to $50 if you have any other Discover card, but all cardholders are limited to $500 in referral rewards per year.
    • Pros: $100 is a significant bonus compared to many other credit card referral programs. You’ll receive the reward as a credit, so it can be used to cover any transactions on your statement.
    • Cons: Unfortunately, you’ll only receive $50 for each referral if you have any card aside from Discover it Miles. The Discover website states that it may take one to two full billing periods to receive credit after the referral is approved for a new card.
    • AMOUNT OF BONUS

      $100 for Discover it Miles cardholders, $50 for all others

    • PAYMENT OPTIONS

      None (statement credit)

    • BONUS LIMIT

      $500 per year (five referrals for Discover it Miles cardholders, ten for all others)

Discover provides a statement credit in exchange for approved referrals to a new Discover card.

The referral also receives a $50 statement credit after making their first purchase using a new card within three months of opening the account.

Tangerine

  • Tangerine
    • Basics: Tangerine pays $25 in cash every time you refer someone to a new account as long as they use your referral key and deposit $100 or more within 60 days. In addition to the flat $25, you’ll continue to unlock larger and larger bonuses as your referral volume increases.
    • Pros: Your referrals don’t have to spend any money, they simply have to switch from their existing bank or open an additional account. The additional benefits can add up quickly—you’ll get an extra $50 after your tenth referral, another $100 after your 20th, and $150, $200, and $250 for every ten up to fifty total referrals.
    • Cons: Tangerine is a Canadian brand, so you’ll receive the reward in Canadian dollars. $25 CAD is currently worth roughly $18.70. Of course, this also means that your referral will only need to deposit around $75 in USD. While the extra bonus increases as you refer more people, you’ll only receive rewards for your first 50 referrals.
    • AMOUNT OF BONUS

      $25 plus bonuses for each ten referrals up to 50

    • PAYMENT OPTIONS

      None (cash)

    • BONUS LIMIT

      50 referrals, or $2000 (lifetime, not annual)

Tangerine is an online bank with services like savings and checking accounts, credit cards, lines of credit, and loans.

While it’s based in Canada, many of its services are still available in the United States, and you can sign up for a US-based checking account.

You’ll receive a $25 bonus for each referral that creates an account and deposits at least $100, and you can also unlock further incentives by referring more users.

Digit

  • Digit
    • Basics: Friends and family members can get $5 after signing up for a Digit subscription through your unique referral link. Once they register, you’ll get another $5 which can be applied to your next payment. Digit currently costs $5 per month.
    • Pros: The program effectively offers a full free month for each successful referral. There’s no limit on this reward, so you could pay for most or all of your Digit subscription simply by referring new users to the service.
    • Cons: Referral bonuses can only be put toward subscription payments, so there’s no point in referring unless you’re actively using the platform. The website doesn’t clarify whether signing up for a free trial is enough to trigger the reward.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      None (deposited into account)

    • BONUS LIMIT

      None

Digit is a mobile savings app that helps customers manage debts and put money away for short- and long-term goals.

It automatically analyzes your financial habits to determine the right ways to save.

Both existing users and new customers can get a $5 bonus through the referral program.

Coinbase

  • Coinbase
    • Basics: Coinbase offers $10 to both referrers and referrals in more than 100 countries around the globe. There are no limits to your referral rewards, and you can withdraw them through PayPal or in the form of any supported cryptocurrency.
    • Pros: You can earn an unlimited amount of money as long as you keep finding new people to introduce to Coinbase. Coinbase has one of the widest selections of payment methods of any platform on this list including numerous cryptocurrencies. While your referral needs to complete a transaction involving at least $100, they don’t need to spend any money—they can simply transfer to another currency.
    • Cons: Cryptocurrencies are still relatively niche, so you may not know many people who are interested in buying Bitcoin, Ethereum, Litecoin, or another currency. While cryptocurrencies are available around the world, there are still numerous countries that don’t support Coinbase.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      Cash or Cryptocurrencies

    • BONUS LIMIT

      None

Coinbase is a cryptocurrency exchange supporting a variety of currencies including Bitcoin, Bitcoin Cash, Litecoin, and Ethereum.

You and your referral will both receive $10 in local currency when they sign up through your sharing link and trades at least $100 within 180 days of creating the account.

Transferwise

  • Transferwise
    • Basics: Transferwise runs referral programs in numerous countries. American users can earn $75 in referral bonuses by referring three friends or family members who make a transfer of $300 or more after creating an account through the sharing link.
    • Pros: Your referrals don’t need to spend any money, they simply need to arrange a transfer either from or to another account. The first transfer is free, so they won’t be charged any fees. There’s no limit on how many times you can earn the bonus.
    • Cons: The $300 minimum isn’t cumulative, so each user needs to make a single transfer worth at least that much. Furthermore, only transfers across currencies are eligible—it isn’t enough to move USD from one account to another.
    • AMOUNT OF BONUS

      $75

    • PAYMENT OPTIONS

      None (deposited into account)

    • BONUS LIMIT

      None

Transferwise provides low-cost money transfers both within the US and around the world, making it extremely practical for both individuals and businesses.

The American referral program pays out $75 when three people sign up using your sharing link and complete transfers worth at least $300.

Cash App

  • Cash App
    • Basics: Cash App offers $5 in cash for each successful referral once the new user connects their debit card and completes a transfer worth at least $5. From there, you can withdraw the money to your bank account or use it to fund future transfers.
    • Pros: The referral program is unlimited, and Cash App is one of the top money transfer services. The minimum transfer requirement is relatively low considering that you’ll both earn $5 after the first $5 transfer.
    • Cons: You’ll only receive the bonus for referring a new user, so you won’t get rewards if your friends already use the app. On the other hand, people who use Venmo may not have any interest in downloading a second app for the same function.
    • AMOUNT OF BONUS

      $5

    • PAYMENT OPTIONS

      Withdraw to bank account

    • BONUS LIMIT

      None

Cash App allows users to send, receive, and invest money on a mobile platform.

With a referral link, new users can earn a $5 bonus after sending $5 or more through the service.

You’ll receive another $5 if they fulfill that requirement within 14 days of creating an account.

LendKey

  • LendKey
    • Basics: With LendKey, you can make $200 for each person you refer to student loan refinancing. There’s also a $200 welcome bonus for customers who are introduced to the platform through the referral program. There is no referral bonus for any other LendKey service or loan product.
    • Pros: There are no limits on referral earnings, and $200 is a substantial bonus for each individual referral. The welcome reward will give them another reason to consider refinancing and help you generate even more referrals.
    • Cons: The program only works if your referrals refinance a student loan, so new loans or other kinds of financing won’t trigger any bonus. Student loan refinancing is a major decision, so you shouldn’t expect the same referral volume. Even if they decide to apply, referrals could still be denied for refinancing.
    • AMOUNT OF BONUS

      $200

    • PAYMENT OPTIONS

      None (PayPal only)

    • BONUS LIMIT

      None

LendKey offers private home improvement and student loans along with refinancing on existing loans.

New customers receive a $200 bonus when they sign up and refinance a student loan through the referral program, and you’ll get an additional $200 once their loan is approved.

Payoneer

  • Payoneer
    • Basics: With Payoneer, you can earn $25 for each successful referral as long as your contact makes a deposit of $1000 or more. The program doesn’t set any limits or restrictions on earnings as long as you continue referring unique users.
    • Pros: Your referrals don’t need to spend any money to trigger the bonus, and they may be interested in the service on its own merits. You can earn an unlimited amount of cash through the referral program, and the rewards are effectively as useful as cash.
    • Cons: Payoneer only accepts commercial referrals, so you can’t earn money by introducing friends or family members to the platform (unless they plan to use it for business). Rewards aren’t processed until three months after the referral makes their initial deposit.
    • AMOUNT OF BONUS

      $25

    • PAYMENT OPTIONS

      None (deposited into account)

    • BONUS LIMIT

      None

Payoneer is a payment and working capital platform with low-cost or even free payment processing.

Whenever a friend, family member, or business contact deposits at least $1000 into their Payoneer account, you’ll receive a $25 bonus.

There’s no limit on annual or lifetime referral rewards.

Tech and Digital Services

Google G Suite

  • Google G Suite
    • Basics: Google offers tiered referral rewards for referrals to different G Suite subscriptions. You’ll get $15 for referring customers to G Suite Basic, $30 for referring them to G Suite Business or Enterprise, and as much as $3,000 for referring them to a domain.
    • Pros: Rewards are transferred directly into your bank account, so you can use them for anything. You can also receive multiple bonuses per referral if an organization signs up with more than one user. 200 annual referrals to G Suite Business or Enterprise would lead to $6,000 in referral rewards.
    • Cons: You’ll only earn a bonus for each referral’s first 100 users, and you can only earn rewards for up to 200 users per year. The website claims that you can earn as much as $3,000 for each domain referral, but it doesn’t clarify how the bonus is calculated.
    • AMOUNT OF BONUS

      $15 for G Suite Basic, $30 for G Suite Business or Enterprise, and up to $3,000 for domains

    • PAYMENT OPTIONS

      Direct deposit

    • BONUS LIMIT

      Up to 100 users per referral, up to 200 total users per year

The G Suite includes a variety of productivity tools including Gmail, Calendar, Drive, Docs, and Sheets.

Google offers $15 for referrals to G Suite Basic, $30 for G Suite Business or Enterprise, and up to $3,000 for domains.

You’ll receive rewards for up to 100 users per referral and up to 200 total users per calendar year.

Typeform

  • Typeform
    • Basics: With Typeform, you’ll earn a discount of 10% for each referral as long as they maintain an active subscription. You could theoretically earn an indefinite free subscription by maintaining at least ten active referrals at all times.
    • Pros: There’s no time limit on referrals, so you’ll continue to receive the discount until your active referral count drops below ten. At $35 or $70 per month, you could accumulate hundreds or even thousands of dollars through the referral program.
    • Cons: The program excludes enterprise subscribers and PRO+ accounts with more than ten members. While you can get a free subscription, this also means that there’s no benefit to having more than ten active referrals at a time. You’ll also lose your benefits if you stop needing a Typeform subscription.
    • AMOUNT OF BONUS

      10% off a Typeform subscription

    • PAYMENT OPTIONS

      None (discount)

    • BONUS LIMIT

      Ten active referrals (100% discount)

Typeform offers professional forms and surveys to help businesses achieve more responses in less time.

The referral program offers 10% off your subscription in exchange for each qualified referral.

After generating ten active referrals, you’ll accumulate a 100% discount and receive a free subscription.

Trello

  • Trello
    • Basics: Trello offers a free month of Trello Gold every time you refer a new user. You can earn as much as 12 free months through referrals. Trello Gold includes a number of helpful features including unlimited boards and members, 250 MB attachment limits, and additional integrations.
    • Pros: Your referrals don’t need to sign up for Trello Gold themselves, so you can earn money without asking friends and family members to spend any money. A Gold subscription can be helpful for larger organizations or anyone who regularly uses the service.
    • Cons: A month of Trello Gold costs just $5, and you can get a full-year subscription for $45. In other words, the limit on referral rewards is effectively $45. While Gold can be convenient, you can still access the most important features without a premium subscription.
    • AMOUNT OF BONUS

      One free month of Trello Gold ($5 value)

    • PAYMENT OPTIONS

      None (free subscriptions only)

    • BONUS LIMIT

      12 months

Trello is a digital collaboration tool designed for teams of all sizes.

It can be incredibly useful in both personal and business contexts.

You’ll receive a free month of Trello Gold for each person you refer to Trello up to a maximum of 12 months.

Dropbox

  • Dropbox
    • Basics: Dropbox Basic subscribers receive an extra 500 MB in free storage for each user they refer, while Plus and Professional members get 1 GB per referral. You can raise your storage limit by up to 16 or 32 GB depending on your subscription.
    • Pros: Dropbox Basic provides just 2 GB of free storage, which you can bump to a total of 18 GB through referrals. This works out to nearly a tenfold increase simply by introducing 32 new users. You’ll receive the bonus regardless of which subscription your referral signs up for.
    • Cons: While Plus and Professional subscribers techncially receive more for each referral, an additional GB is almost nothing considering that both plans offer more than 2,000 GB. With a Professional subscription, for example, the most you can do is increase your 3,072 GB limit to 3,104 GB.
    • AMOUNT OF BONUS

      500 MB for Basic subscribers, 1 GB for Plus and Professional

    • PAYMENT OPTIONS

      None (free storage)

    • BONUS LIMIT

      16 GB for Basic subscribers, 32 GB for Plus and Professional (up to 32 referrals per user)

Dropbox is a cloud service offering affordable document storage and sharing in addition to other features.

Like Wealthfront, Dropbox provides free storage space for each referral rather than paying a flat bonus.

While there’s a limit on how much total space you can earn, you’ll continue to receive free storage as long as your account remains active.

QuickBooks

  • QuickBooks
    • Basics: You’ll receive $100 as a prepaid Visa card for each person you refer to a new QuickBooks subscription. Referrals also get a 50% discount on their initial subscription, although the website doesn’t clarify how long the discount lasts.
    • Pros: $100 is a significant bonus considering the cost of a subscription, and the discount will also save your referral a lot of money. The reward is paid out as a Visa card, so you’ll be able to use the money for any purchase rather than simply receiving a discount on future QuickBooks payments.
    • Cons: The website doesn’t cover how long your referral has to subscribe for or how long they’ll be eligible for the discount. There’s very little information about the program in general compared to what’s available on other sites.
    • AMOUNT OF BONUS

      $100

    • PAYMENT OPTIONS

      None (Prepaid Visa card)

    • BONUS LIMIT

      None

QuickBooks is an accounting service designed for businesses of all sizes.

Users can monitor expenses, payroll, time tracking, and more while accessing a variety of educational resources.

The program offers a $100 prepaid Visa card for each new referral who subscribes to the service.

AT&T

  • AT&T
    • Basics: The AT&T referral program pays $25 for each referral along with a $75 bonus for the new member. You’ll need to refer people to a prepaid monthly plan, so make sure they know the details before getting a new plan.
    • Pros: AT&T pays a total of $100 for each referral, including a $75 reward to give users an incentive to switch from their existing provider. They only need to make their first payment in order to trigger the referral bonus.
    • Cons: The reward comes as credit, so it’s only applicable to AT&T bills. The offer is only available until the end of April 2020. Furthermore, each existing member can only receive the bonus on up to ten referrals, leading to a total of $250 in rewards.
    • AMOUNT OF BONUS

      $25

    • PAYMENT OPTIONS

      None (AT&T credit)

    • BONUS LIMIT

      Ten referrals ($250)

AT&T offers referral bonuses whenever your referral activates a new line on a monthly plan and makes their first payment.

You’ll get $25 in credit for each successful referral, and new customers will also get a credit for $75 when they sign up with your referral link.

Verizon

  • Verizon
    • Basics: You’ll receive a $100 prepaid Mastercard every time you lead a new referral to Fios Gigabit Connection Internet Service. Your referral will earn an additional $100. You can only earn referral rewards if you’re in good payment standing.
    • Pros: The $200 overall bonus is twice as much as AT&T offers, including four times as much for referrers. Rewards are paid out as prepaid Mastercards, which can be used virtually anywhere conventional credit and debit cards are accepted. There’s no limit on referral rewards.
    • Cons: Fios internet can be a substantial investment, so you may have more trouble getting people to make the switch. You won’t receive the bonus until your friend has been in good payment standing for 65 days, more than two months after signing up.
    • AMOUNT OF BONUS

      $100

    • PAYMENT OPTIONS

      None (Prepaid Mastercard)

    • BONUS LIMIT

      None

Like AT&T, Verizon pays significant rewards for each new customer you refer.

The main difference is that they’ll need to sign up for Fios Gigabit Connection Internet Service rather than a prepaid phone plan.

You and your referral will both receive a $100 prepaid Mastercard after purchase and installation.

T-Mobile

  • T-Mobile
    • Basics: T-Mobile members get $50 for each successful referral. These only count if the new customer creates a postpaid account, so make sure to let your referral know what they need to do. Keep in mind that your friend or family member can’t sign up until 24 hours after you submit the referral online.
    • Pros: While there’s no welcome bonus for new members, $50 is twice as much as you would earn for a referral to AT&T. Furthermore, you’ll receive a prepaid Mastercard, which is substantially more flexible than many other rewards.
    • Cons: You can make up to 100 referrals per calendar year, but only ten referrals can be open at any given time. Your referrals won’t receive any unique benefit for using your link, so there’s no additional incentive for them to switch to T-Mobile.
    • AMOUNT OF BONUS

      $50

    • PAYMENT OPTIONS

      None (Prepaid Mastercard)

    • BONUS LIMIT

      100 referrals per year ($5000 total), 10 open referrals at a time

T-Mobile provides a $50 prepaid Mastercard for referrals to postpaid accounts.

Members need to submit their referrals online no less than 24 hours before the new customer signs up in order to trigger the bonus.

You can refer anyone as long as they haven’t paid for T-Mobile service in the last 90 days.

Chipolo

  • Chipolo
    • Basics: When you refer someone to Chipolo using your unique link, they’ll get 20% off their first order. After making three successful referrals, you’ll be credited for a free Chipolo device. The Chipolo ONE, designed for keys, costs $25, while the Chipolo CARD is currently $29.
    • Pros: Chipolo gives both sides an incentive to complete referrals, as 20% savings will add up to roughly $5-$6 on each device. There’s no limit on how many devices you can earn, so you could get as many as you need through the referral program.
    • Cons: Free shipping is only available on orders of at least $30, so you’ll still have to pay for shipping if you buy a single device. Similarly, your referrals will need to either buy two or pay for shipping on their first order. You can only use rewards for additional devices, so there’s no benefit to the program once you have enough for your wallet, keys, and any other important items.
    • AMOUNT OF BONUS

      Free device ($25 or $29 value, after three referrals)

    • PAYMENT OPTIONS

      None (free device)

    • BONUS LIMIT

      None

Chipolo provides bluetooth technology that helps customers keep track of keys, wallets, and other necessities.

You can use your phone to trigger a sound or monitor an item’s location, and you’ll receive a notification if you leave anything behind.

Friends and family members can use your referral link for a one-time 20% discount, and you’ll get a free device after referring three people.

Tile

  • Tile
    • Basics: Tile pays referral benefits in the form of a Tile Mate, a small device that’s easy to hook on keychains, backpacks, and other items. They’ll send you the Mate as soon as two referrals make their first purchase. A single Mate currently costs $24.99 plus shipping.
    • Pros: You only need to refer two people to get a reward compared to three on Chipolo. Instead of earning a credit for a free device (and still having to pay for shipping), you’ll simply receive a Tile Mate once your referrals process. Like Chipolo, Tile doesn’t limit how many devices you can earn through the referral program.
    • Cons: Tile has a wider selection of products than Chipolo, but you can only earn Mates through the referral program. Other items offer unique features—the Sticker, for example, sticks directly to items and is substantially smaller, while the Slim is designed to fit into your wallet. You can’t withdraw referral rewards for cash or anything else.
    • AMOUNT OF BONUS

      Free Tile Mate ($25 value, after two referrals)

    • PAYMENT OPTIONS

      None (free device)

    • BONUS LIMIT

      None

Tile is another leader in bluetooth wearables, and its referral program is broadly similar to Chipolo’s.

While you only need to make two successful referrals to receive a free device, you can only redeem referral rewards for a single product.

On the other hand, you won’t have to pay for shipping, so the device is completely free.

Home and Fashion

Quip

  • Quip
    • Basics: Quip customers get a free $5 credit to share with friends, family members, and other contacts. For each successful referral, you’ll receive a free brush head worth $5. Members can earn an additional head by referring their dentist to the Quip network.
    • Pros: Quip is a relatively affordable way to stay on top of your dental health, and each free head is intended to last for three full months. There’s no limit on referrals, so you could potentially receive free brush heads for life by consistently introducing new people to Quip.
    • Cons: $5 isn’t bad compared to the cost of a membership, but it’s still not a substantial reward. You can’t use the bonus for anything other than free brush heads, so the program is only worthwhile if you plan to continue using Quip.
    • AMOUNT OF BONUS

      $5 value (free brush head)

    • PAYMENT OPTIONS

      None (free brush head)

    • BONUS LIMIT

      None

Quip promotes accessible and affordable oral care by providing toothbrushes, toothpaste, floss, and other tools for dental hygiene.

You’ll receive a free brush head ($5 value) for each person you refer to the platform, and you can also make $5 by inviting your dentist to join the Quip network.

Casper

  • Casper
    • Basics: Casper’s program pays out $75 in Amazon gift cards in exchange for each new customer who buys a Casper mattress with your link. New customers also get a one-time 10% discount on their first mattress when using a referral link.
    • Pros: This program truly benefits both sides as 10% off a Casper mattress can work out to a significant amount of money. A single mattress can cost $2,000 or more, leading to hundreds of dollars in savings. You can use Amazon gift cards to buy almost anything.
    • Cons: On the other hand, Casper’s high prices makes it a tough brand to recommend. You’ll only receive the bonus if they purchase a mattress, so bed frames and other products aren’t eligible for the promotion. Referral bonuses are limited to $599 per year, which works out to eight annual referrals.
    • AMOUNT OF BONUS

      $75

    • PAYMENT OPTIONS

      None (Amazon gift card)

    • BONUS LIMIT

      $599 per year

Casper is a premium bedding company selling products such as mattresses, pillows, bed frames, and bedding.

Referrers get a free $75 Amazon gift card for each friend or family member who uses their unique link to purchase a Casper mattress.

Referrals also receive 10% off their first mattress.

Leesa

  • Leesa
    • Basics: Leesa customers get a referral link which friends and family members can use to receive a discount on their first order. Once they make the order, you’ll earn $75 in PayPal credit, with no annual or total limit on referral rewards.
    • Pros: $75 is a substantial bonus, especially given that your referral only needs to make an order worth at least $100. You’ll also receive the money through PayPal, so you can easily transfer it to a bank account or use it to shop online.
    • Cons: Mattresses are an investment, and most people aren’t looking to buy one unless they need to. Leesa could be more difficult to refer people to compared to some of the other options on this list. The website doesn’t display the size of the discount for new customers.
    • AMOUNT OF BONUS

      $75

    • PAYMENT OPTIONS

      None (PayPal transfer)

    • BONUS LIMIT

      None

Leesa offers high-quality mattresses while supporting One Good Bed Promise, a charity that provides mattresses to children in need.

Your referral will receive a discount on their first mattress, and you’ll get an additional $75 through PayPal once they complete the order.

Blinds.com

  • Blinds.com
    • Basics: Blinds.com offers $20 to both referrals and referrers once the new customer purchases their first window treatment. You can receive up to $200 simply for introducing friends, family members, and other contacts to the website.
    • Pros: You’ll get rewards in the form of a prepaid Visa gift card, which can be used on virtually any other purchase. The website includes convenient options for sharing your referral link through email, Facebook Messenger, Twitter, Whatsapp, and Pinterest.
    • Cons: You can receive a maximum of $200 by referring people to Blinds.com, so it’s only worthwhile for up to ten referrals—this is a lifetime rather than an annual limit. You and the person you refer will only get the bonus if they make a purchase worth at least $199.
    • AMOUNT OF BONUS

      $20

    • PAYMENT OPTIONS

      None (Prepaid Visa)

    • BONUS LIMIT

      $200 lifetime

Blinds.com offers a variety of blinds plus connections to local professionals in your area for measurements and installation.

The website pays out $20 in Visa gift cards for each person you refer to a new window treatment, and the person you refer will get another $20 off their first order.

thredUP

  • thredUp
    • Basics: thredUP pays both referrers and referees $10 through a shopping credit applicable to the next purchase. You’ll earn the bonus as soon as they make their first order, and there’s no listed purchase minimum.
    • Pros: thredUP provides relatively affordable clothing and accessories, so your referrals will genuinely appreciate knowing about the platform. Additionally, they only have to make one order to trigger your bonus, so it’s more accessible than many other programs.
    • Cons: Referral rewards come as shopping credits, so the bonus is limited to purchases on thredUP. You’ll lose your earnings if you don’t use them within 30 days, so you have to consistently spend money on thredUP to see any benefits. You can only earn up to $580 total in a given calendar year.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (thredUP credit)

    • BONUS LIMIT

      $580 per year

thredUP is one of the largest online consignment stores worldwide, with clothes, shoes, jewelry, and accessories for both women and kids.

Your referrals will receive a $10 shopping credit on their first order, and you’ll get an additional $10 once that order ships.

Rewards expire in 30 days and are limited to $580 per year.

Zulily

  • Zuliliy
    • Basics: Zulily’s referral program offers referrers $15 every time they successfully refer someone to their first order. The website pays out in store credit, and rewards are transferred after the referral confirms their first order.
    • Pros: There’s no order minimum for the reward, and Zulily membership is completely free. The website doesn’t mention any limits on how much you can make through the referral program, so you should be able to continually earn more by finding new referrals.
    • Cons: $15 is a decent bonus, but there isn’t a matching bonus for new customers. Rewards come in the form of store credit, so you’ll only be able to use them on Zulily purchases rather than redeeming them for use at another site.
    • AMOUNT OF BONUS

      $15

    • PAYMENT OPTIONS

      None (Zulily credit)

    • BONUS LIMIT

      None

Zulily is an online fashion outlet with clothes for both adults and kids plus a wide range of appliances and decorative items.

You’ll receive $15 in store credit for each person you refer to Zulily.

The money will show up in your account once they make their first purchase on the site.

MeUndies

  • MeUndies
    • Basics: MeUndies pays $20 for each successful referral as long as the new customer makes a purchase of $12 or more. Referrals can also get 20% off their purchase through your discount link. Rewards are limited to 25 credits, or $500, in any given calendar year.
    • Pros: This referral program is highly lucrative. For example, your friend can buy items worth a total of $15, which will be $12 after the 20% discount. From there, you’ll receive a $20 credit, leading to $23 in total benefits while your friend spends just $12. The $500 limit resets every year, so you can simply hold off on further referrals until the next January.
    • Cons: You can only apply your referral credits to future MeUndies purchases, and you probably couldn’t use much more than $500 worth of underwear anyway unless you can give the credit to a partner or child. Packs of underwear and socks are excluded from the referral program, so you can only use rewards on individual items.
    • AMOUNT OF BONUS

      $20

    • PAYMENT OPTIONS

      None (Store credit)

    • BONUS LIMIT

      $500 per year, or 25 referrals

MeUndies sells underwear and socks for men and women with free shipping and returns within the United States.

Friends and family members can use your discount link to get 20% off their first order, and you’ll receive a credit for $20 once they complete an order worth at least $12.

You can earn as much as $500 per year by referring people to MeUndies.

Blenders Eyewear

  • Blenders Eyewear
    • Basics: Blenders Eyewear gives new customers $20 off orders of at least $50 when they purchase through the referral program. Once they make their first qualifying purchase, you’ll get an additional credit for $20 off your next purchase. You can earn rewards on up to 50 referrals in a given calendar year.
    • Pros: Both parties can save $20 on an order through Blenders Eyewear. The minimum qualifying order is just $50, leading to an effective discount of as much as 40%. Glasses are priced from roughly $15 up to $70.
    • Cons: The website isn’t very clear, but it appears to imply that the referral benefit is a code for $20 off an order of at least $50. In other words, you can’t stack multiple bonuses for a $40, $60, or $80 credit—you’ll have to make separate orders of $50 or more for each discount.
    • AMOUNT OF BONUS

      $20 off an order of at least $50

    • PAYMENT OPTIONS

      None (discount code)

    • BONUS LIMIT

      50 referrals per year for a total of $1000 in savings (on at least $2500 in purchases)

Blenders Eyewear sells glasses, sunglasses, goggles, and other products for both men and women, with free shipping and returns in the United States on orders of at least $40.

Your friends will get $20 off their first order of $50 or more through the referral program, and you’ll receive an additional $20 credit after their first purchase.

Rent the Runway

  • Rent the Runway
    • Basics: Rent the Runway offers $30 for each referral plus a $30 welcome bonus to incentivize customers to make their first order. While you may be responsible for taxes on referral rewards above a certain limit, Rent the Runway doesn’t place any restrictions on how much you can earn.
    • Pros: The $30 credit stacks, so you can save up several referral rewards to pay for an entire order. There’s no limit on overall rewards, so you’ll continue to earn $30 every time you introduce a new customer to the service.
    • Cons: Referral rewards are only available in the form of Rent the Runway credit, so you can’t use them for anything other than future rentals. You’ll only receive a referral bonus if they sign for up the Unlimited Swap plan, which currently costs $159 per month after a 60-day trial at $160.
    • AMOUNT OF BONUS

      $30

    • PAYMENT OPTIONS

      None (Rent the Runway credit only)

    • BONUS LIMIT

      None

Rent the Runway allows customers to rent women’s and children’s clothing for a variety of events including weddings, galas, and proms.

Friends and family members can use your referral code to get a $30 discount on their first rental when they sign up.

Once their order ships, you’ll get credit for $30 toward your next payment.

The Clymb

  • The Clymb
    • Basics: The Clymb’s referral program provides new users with a $10 discount on an order of $50 or more in merchandise when they sign up using a sharing link. You’ll receive $10 toward your next purchase every time a referral takes advantage of your credit.
    • Pros: There aren’t any limits or restrictions, so you’ll continue getting rewards whenever you successfully refer someone to The Clymb. The program generates $20 in total bonuses when your referral spends as little as $40, leading to a 50% return on investment.
    • Cons: Referral bonuses have no cash value. They can only be applied to future purchases on the Clymb, so the program is only worthwhile if you need a lot of gear. The website doesn’t say whether multiple credits can be applied to the same order or whether there’s a maximum of $10 in savings per purchase.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (The Clymb credit)

    • BONUS LIMIT

      None

The Clymb is an online vendor selling adventure gear and clothing for everything from cycling and surfing to camping and climbing.

When you invite someone to the platform, they’ll receive a credit for $10 off their first order of $50 or more.

You’ll get an additional $10 credit after they complete that purchase.

Other Services

Groupon

  • Groupon
    • Basics: Groupon offers $10 per referral as long as they make a purchase in the first 72 hours after signing up. You should receive $10 in Groupon Bucks within seven days of their purchase, but you won’t get anything if they don’t buy something during that time.
    • Pros: Groupon really does help users save money on a variety of items, so friends and family will likely be interested in their offers. Referrals can qualify by spending as little as $10, so they don’t need to make a major purchase to trigger the bonus.
    • Cons: You can only earn a total of $100 from Groupon referrals, so there isn’t as much potential as on some other sites. Furthermore, the money you receive can only be used on future Groupon purchases.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (Groupon Bucks)

    • BONUS LIMIT

      $100 (Lifetime, not annual)

Groupon is one of the most popular coupon sites, connecting users with great deals at a wide range of merchants.

The referral program offers $10 in Groupon Bucks each time your referral makes a purchase within 72 hours of creating an account.

24 Hour Fitness

  • 24 Hour Fitness
    • Basics: Referrals to 24 Hour Fitness are worth a $20 credit to MyStore. You can also opt to receive a free 50-minute personal training session. Friends or family members who sign up using your code will get their first seven days free.
    • Pros: Personal training can be expensive, so this is an easy way to get started without committing or spending any extra money. Seven days of free access is also a significant bonus for new members, giving referrals another reason to sign up.
    • Cons: You can only use your referral bonuses on other 24 Hour Fitness purchases, so this program isn’t as versatile as some competitors. While referrals get seven days of free access, they have to remain a member for at least 60 days to trigger the referral reward.
    • AMOUNT OF BONUS

      $20 credit or one free 50-minute personal training session

    • PAYMENT OPTIONS

      None (credit or free session)

    • BONUS LIMIT

      None

24 Hour Fitness is one of the top American gym chains, with roughly 400 locations in a total of 14 states around the country.

In exchange for referral to a new membership, you’ll receive either a $20 MyStore coupon or a free 50-minute personal training session.

Seamless

  • Seamless
    • Basics: When you refer someone to Seamless, they’ll receive $10 off their first order (must be worth $15 or more before the discount). Once they make that order, you’ll get a referral bonus for $10 off your next order (with no minimum).
    • Pros: The reward for new customers could work out to more than half off their first order depending on the size of the order. Considering the average cost of an order on Seamless, $10 for both parties is a relatively generous referral bonus compared to other programs on this list. There’s no listed limit on how much you can earn through the referral program.
    • Cons: Delivery might appear cheap at first, but it can add up quickly with costs like delivery fees, tips, and markups relative to what you would pay at the restaurant. In other words, it isn’t exactly a frugal habit, and the rewards you receive can only be used on future orders.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (Seamless credit)

    • BONUS LIMIT

      None

Seamless is one of the top food delivery apps, available in a variety of major cities including New York City, San Francisco, Chicago, Los Angeles, Miami, Philadelphia, London, and more.

The referral program gives new customers $10 off their first order of $15 or more, and you’ll receive an additional $10 bonus for each person you refer.

The website doesn’t mention anything about a limit on referral bonuses.

Soylent

  • Soylent
    • Basics: Soylent pays out $10 for each referral after they make their first purchase. They also donate $1 to the World Food Program USA. The person you refer will earn 50% off their first twelve bottles, giving them an additional incentive to sign up.
    • Pros: 50% off twelve bottles is a great offer for new customers who are on the fence about Soylent’s products. $1 may not sound like much, but you’ll still be contributing to a good cause by referring people to Soylent. The website doesn’t list any limits on referral earnings.
    • Cons: Rewards are paid out as credit, so you can only use them on future Soylent purchases. $10 is a decent bonus considering that your referral only needs to make a single purchase, but you’ll still have to refer a large number of people in order to earn anything substantial.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (Soylent credit)

    • BONUS LIMIT

      None

Soylent is one of the most popular health food companies, with a wide range of products including drinks, powders, and food.

Each friend or family member you refer to Soylent gets a 50% discount on their first twelve bottles.

You’ll also receive a $10 bonus, and Soylent will donate $1 to the World Food Program USA.

NatureBox

  • NatureBox
    • Basics: You’ll receive a $10 credit every time you refer a new customer to NatureBox. Referrals get 50% off when completing their first order, giving them a strong incentive to try products they may not otherwise be interested in.
    • Pros: 50% off is a great bonus for new customers, and it could help you generate much more referrals than on other sites. Similarly, $10 may not sound like much, but it’s a decent reward considering how affordable their first order could be.
    • Cons: You can only earn a total of $100 by referring people to NatureBox, so this isn’t a great option for ongoing income. Like many other programs, NatureBox pays out exclusively in store credit, so you’ll have to spend more on the site to take advantage of your rewards.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (NatureBox credit)

    • BONUS LIMIT

      $100 total

NatureBox delivers snacks and adaptogens to homes and offices, with free shipping on all orders worth at least $25.

The referral program offers $10 in credit for each person you introduce to the service, and they’ll also get 50% off their first order.

Snapwire

  • Snapwire
    • Basics: Snapwire pays $20 for each successful referral, and you can give friends and family members an additional reason to sign up with a $20 discount code. The program is currently limited to $100 in rewards, or five total referrals.
    • Pros: Your referral only needs to make a single purchase, and they’ll get a significant discount when they use your unique code. $20 will go a long way toward future photos, and $100 could potentially cover an entire shoot.
    • Cons: Like many other platforms, Snapwire pays referral rewards exclusively in credit, so you can’t withdraw your earnings for cash or any other benefits. Each account is limited to just $100 in bonuses, and this is a lifetime rather than an annual limit. The website doesn’t clarify whether you can still offer the $20 bonus to friends and family members after reaching your own reward limit.
    • AMOUNT OF BONUS

      $20

    • PAYMENT OPTIONS

      None (Snapwire credit)

    • BONUS LIMIT

      $100 or five referrals (lifetime, not annual)

Snapwire matches clients with creators to help shoot custom visual content that matches your brand’s style.

It’s an affordable way to access high-quality, relevant photos without resorting to traditional stock images.

Existing buyers can offer a $20 discount to new buyers, and you’ll receive an additional $20 once they use the discount on their first order.

Shipt

  • Shipt
    • Basics: Existing Shipt members get a unique referral link which friends and family members can use to get a $50 discount on an annual membership. You’ll receive an extra $50 credit once they make their first purchase and maintain a membership for at least 30 days.
    • Pros: Shipt’s program offers $100 in rewards for each referral, and your referral only needs to keep their membership active for roughly one month. There’s no limit to how much you can earn by referring people to Shipt.
    • Cons: Referral rewards come in the form of Shipt credit, so they can only be put toward future orders. Your referral needs to pay for a premium membership and make at least one purchase in order to trigger the bonus.
    • AMOUNT OF BONUS

      $50

    • PAYMENT OPTIONS

      None (Shipt credit)

    • BONUS LIMIT

      None

Shipt provides same-day delivery on fresh groceries in your area.

You’ll receive a $50 credit whenever you refer a friend or family member to ship.

They’ll also earn an additional $50 off an annual membership, reducing the cost from $99 to $49.

Walmart Grocery

  • Walmart Grocery
    • Basics: Your unique sharing link allows referrals to save $10 when they make their first order through Walmart grocery. For each successful qualified referral, you’ll receive a $10 credit applicable to your next order.
    • Pros: The minimum order is just $50, allowing you and your referral to save a total of $20 on $100 in groceries. You don’t have to make a purchase yourself to generate referrals, so the program gives you the ability to save on your first order. You can also stack multiple credits to save more than $10.
    • Cons: Walmart Grocery only offers rewards on your first ten referrals per year, with a lifetime maximum of 100 credits or $1000. Your rewards can only be used to pay for future orders on Walmart Grocery—they don’t have any cash value.
    • AMOUNT OF BONUS

      $10

    • PAYMENT OPTIONS

      None (Walmart Grocery credit)

    • BONUS LIMIT

      $100 per year (10 referrals), $1000 lifetime (100 referrals)

Walmart offers grocery pickup and delivery at locations across the country.

With your referral link, friends and family members can get $10 off their first order.

Once they make a purchase, you’ll receive an additional promo code for $10 off your next delivery or pickup.

Home Chef

  • Home Chef
    • Basics: As a Home Chef subscriber, your referral link gives new customers an automatic $30 discount on their first order. Once they sign up for Home Chef, you’ll get an additional credit for $30 off your next purchase.
    • Pros: The bonus is transferred as a Home Chef credit, so you can stack rewards to take more than $30 off a single order. There’s also no limit on how much credit you can earn through the referral program. Referrals don’t need to sign up for an ongoing subscription in order to trigger the bonus.
    • Cons: Home Chef doesn’t allow you to take advantage of the referral reward by sending your link to anyone who lives in the same household. Additionally, your rewards can’t be withdrawn, so you can only use them for a discount on future orders.
    • AMOUNT OF BONUS

      $30

    • PAYMENT OPTIONS

      None (Home Chef credit)

    • BONUS LIMIT

      None

Home Chef is one of the top meal prep services, with ingredient sets starting at just $6.99 per meal.

The referral program offers a $30 credit to both referrers and new customers, and there’s no limit on how much can earn by referring people to the service.

Referral programs won’t generate a full-time income, but they can provide an additional consistent source of money. These are the top options to consider if you’re interested in earning referral rewards in 2020.

Alex McOmie

Alex McOmie is a writer focused on providing insightful, actionable content that can truly change the way readers approach their finances. He joined the Money Done Right editorial team in summer 2019. Learn more about Alex.

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