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Referral programs can be a great way to make some extra money or to save on things you would buy anyway. Many companies use refer-a-friend programs to get exposure, so there are plenty of opportunities.
Chances are, you already tell your friends and family about the products and services you use and love. Referral programs make it possible for you to earn money or be rewarded for that word-of-mouth advertising.
Here, you’ll find a list of referral bonus apps and referral sites that pay. If you’re looking for easy rewards, you won’t want to miss these referral programs that pay cash and rewards. In some cases, you can earn $20 per referral or much more with high-paying referral programs.
Many referral programs also give discounts or special offers to your friends, so everyone wins. These bonuses and special offers make it a little easier to share with others. It also increases the number of people who will make a purchase through your referral link, which means more rewards for you.
How to Use Referral Programs
The best companies/websites/apps to recommend are the ones you use personally because you can share from your own experience.
Not all referral programs work the same. In some cases, you will need to be an existing customer in order to get a referral link. In other cases, you can refer people even if you are not currently a customer. Sometimes you will need to log in to an account and get the link from your account, but other times you won’t need an account or a login. Some of the referral programs that pay simply ask for your name and email address to generate your referral link.
One method for promoting these programs is to share your referral links by using your social media profiles. If you have a blog, you can also use the links there (in general). In some cases, you’ll earn cash, but in other cases, it’s store credit that you can use for your own purchases.
If you have a friend who is also interested in saving money, you can help each other by taking turns with referrals, and you’ll both reap the benefits!
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100+ of the Best Referral Programs
Now let’s take a look at some of the specific companies that you can promote and apps with referral bonuses. I’ve organized them by category to try to make it easier.
These programs and the details can change from time-to-time. I’ll try to keep the list up-to-date, but if you notice that something is no longer relevant please leave a comment.
Finance and Money Referral Bonus Apps
Many of the best apps that pay you to refer friends are related to making, saving, investing, or managing money. Here are some of the best offers.
Public.com – Public.com is an online brokerage that offers commission-free trades of stocks, ETFs, and cryptocurrency. After you create your free account, you’ll be able to refer friends to earn a free slice of stock in a company of your choice (worth $3 – $300*). Your friends will also get a free slice of stock when they sign up.
Public.com offers fractional shares so anyone can start investing. You'll love the social aspect that makes it possible to connect with other investors. Get a free stock slice worth up to $300 when you open an account through our link.
- Commission-free trades of stocks and ETFs
- Buy and sell 27 different cryptocurrencies
- Fractional shares
- Easy to use and beginner-friendly
- Connect with a supportive community of investors
- "Themes" help you to find investments that interest you
Webull – Webull is another online brokerage that offers free stock rewards if you refer a friend. The details of their bonus change from time to time, but after you sign up for a free account, you can get your referral link and see the current offer from your account dashboard.
Webull is a free investing app that provides advanced reporting tools and allows you to make free trades of stocks, ETFs, and options. Right now Webull is offering up to 12 free stocks when you signup through our link (use the button below) and deposit any amount.
- Commission-free trades of stocks, ETFs, options, and cryptocurrency
- Buy fractional shares for any amount
- Extended trading hours
- Advanced reporting tools
- IRAs now available
- 24/7 customer service
Moomoo – Refer a friend to this trading app, and you’ll get five free stocks when your friend deposits at least $100. The stocks can be worth up to $2,000, so it has the potential to be one of the best referral programs that pay cash or rewards.
Tornado – Tornado (formerly known as Nvstr) is an investing app that offers a reward of $10 – $1,000 per referral. You’ll get a reward of a random amount, with a minimum of $10. Your friend will also get a signup bonus of $10 – $1,000.
Robinhood – When you refer a friend to the investing app Robinhood you will each get a free stock added to your account.
Groundfloor – This real estate investing platform will give you $10 as a referral bonus for every friend you refer. Your friend will also get $10 for free, and all they need to do is invest at least $10 of their own money.
M1 Finance – The M1 Finance app allows you to create and automate your investing. The M1 referral program will give you and your friends $10-$50 (they change the amount every now and then).
Fundrise – The real estate crowdfunding platform Fundrise has a referral program. They will waive your fees for 90-365 days for each friend you refer, depending on your account level. Your friend will also get 90 days with no fees from Fundrise to start their investment.
RebateKey – Earn up to $20 per friend you refer to RebateKey, a website that offers deep discounts through rebates at websites like Amazon. Your friend will be able to get free products and deep discounts with their own free RebateKey account.
Rebaid – Rebaid is a rebate site that’s very similar to RebateKey. In addition to some amazing deals, you can earn $10 per referral for telling your friends about Rebaid.
Bumped – Bumped is a cross between a cashback app and an investment app. With a free Bumped account, you’ll get free stock ownership rewards based on your purchases. They also have a referral program, so you can get $1 of stock for each person that signs up through your link.
Swagbucks – Swagbucks is a popular app that makes it easy to earn money by taking surveys, watching videos, downloading apps, and playing games. The Swagbucks referral program will pay you $3 (300 Swagbucks) for each friend that you refer, plus you’ll also get 10% of the Swagbucks earned by the people that you refer. New users will get a $5 bonus when they make a $25 purchase from one of Swagbucks’ partner websites.
MyPoints – MyPoints is similar to Swagbucks. You can create a free account and earn cash back for purchases or earn points for things like taking surveys and other small tasks. MyPoints will also give you 25 bonus points for referring a friend, plus you can get up to 750 bonus points when your friend makes a purchase.
InboxDollars – InboxDollars is a popular site that will pay you for taking surveys, watching videos, playing games, and trying free offers. You’ll earn 10% of the amount your referred friends earn, and your friends will get a $5 bonus when they sign up.
KashKick – KashKick is another site for making money from online surveys and other small tasks. They have a multi-level referral program. If you refer a friend to KashKick, you’ll earn 25% of the points they earn, and you’ll even earn 5% of the points from people your friends refer.
PrizeRebel – PrizeRebel also allows anyone to make money from surveys and small tasks. With your free account, you’ll get 15% of all points earned by people that you refer.
BlockFi – This leading cryptocurrency exchange will pay you $10 in Bitcoin for each referral that funds their account with at least $100. Your friend will also get a $10 bonus in Bitcoin. After you refer at least five people, your bonus will increase to $20 per referral.
Chase Freedom Credit Card – If you are a Chase Freedom cardholder, Chase will pay you a $100 bonus (up to $500 per year) for referring a friend that applies and is approved for the Chase Freedom credit card.
Chase Freedom Unlimited Credit Card – If you are a Chase Freedom Unlimited cardholder, Chase will pay you a $100 bonus (up to $500 per year) for referring a friend that applies and is approved for the Chase Freedom Unlimited credit card.
Discover – If you’re a Discover cardholder, you can refer a friend and you’ll get $100 when your friend applies for a credit card and makes their first purchase. Your friend will also get a $100 bonus.
Titan – Titan is a premier investment advisor and they’ll give you a chance to win a portfolio worth up to $10,000 for each friend you refer. Your friends will also get 100 days with no fees to try the platform.
Slide – This cashback app will pay you up to $20 for each friend you refer, and your friend will also get up to $20.
Rakuten – The most popular cashback website (formerly known as Ebates) will pay you $25 for each friend you refer, and your friend will get $10. The referral bonuses will be paid after your friend makes a qualifying purchase of at least $25 through their Rakuten account. (Read my Rakuten review here.)
BeFrugal – BeFrugal is another great cashback site that offers a bonus for you and your friends. You’ll get $10 and your friend will also get $10. To qualify for the bonuses, your friend will need to earn $10 in cash back from purchases within 365 days of signing up.
Dollar Dig – Dollar Dig is not as popular as Ebates or BeFrugal, but it’s another great option for earning cashback. Their program will pay you $2.50 for every friend that you refer, and your friend will also get $2.50. You’ll need a balance of $25 (minimum) in order to cash out by PayPal or check.
TopCashback – You can earn $10 for each friend you refer to TopCashback, but unfortunately, your friends don’t get a bonus. Your friends may be happy to join though because it’s one of the best apps that pay cash back.
Giving Assistant – This cashback site allows you to donate your cashback to non-profit organizations, or you can keep it for yourself. They’ll pay you $5 for each friend you refer, and your friend will also get $5 as a bonus. Your referral bonus will be applied to your balance after your friend earns cashback.
Ibotta – The popular cash back app Ibotta will pay you a $5 bonus to refer others. Your friend will also earn $10. The bonuses are added to your Ibotta balance.
Drop – Drop is a cash back app that links to credit cards. Share Drop with others and you’ll both get 1,000 drop points ($1) when they link a card.
Shopkick – Shopkick is a cash back app, but with a twist. You can also earn points (they call them kicks) for walking into stores and scanning items. You and your friends will get 250 kicks ($1) when they walk in or scan within 7 days of installing the app.
Fetch – Fetch is a cash back app for groceries. They will give you 2,000 Fetch points for referring another user.
Honeygain – This passive income app will pay you 10% of the earnings of the people you bring to the platform. Your friend will get a $5 bonus for signing up through your link.
Personal Capital – The amazing finance app Personal Capital has a great referral program. You and your friend will both earn a $20 Amazon gift card. In order for the rewards to be paid your friend will need to link at least one financial account to Personal Capital. The referral link will show up in your dashboard after you’ve linked one of your own accounts.
Blooom – Blooom is a robo advisor specifically for 401(k) accounts. They’ll give you a $10 Amazon gift card for friends that you refer, and your friends will get their first month of Blooom for free.
Betterment – Popular robo advisor Betterment will give you a free month for each friend you refer. You friends will get 3 months for free.
Wealthsimple – Wealthsimple clients can earn 12 months of free management service (on $10,000) for each friend that’s referred. Your friend will also get free management for $10,000 for 12 months.
Worthy Bonds – You’ll earn a $5 bonus for each person who signs up to invest in business bonds through your link.
Acorns – With the Acorns app you can start investing your spare change. Acorns will pay you $5 (added to your Acorns account) for each friend you refer. The friend will also get $5 in their own Acorns account.
Qapital – The free banking app Qapital will pay you up to $100 per referral.
Digit – Digit is an automated savings app that will pay you $5 per referral.
SoFi – SoFi will pay you $15 to refer your friends. Your friends will also get a $15 bonus.
LendKey – LendKey offers student loan refinancing. You can earn $200 for every referral who is approved for a loan and another $200 for each friend that takes out a loan with LendKey.
TurboTax – You can earn $25 for referring TurboTax to your friends. And your friends will get 20% off a paid online federal product.
Raise – At Raise.com, you can buy gift cards at discounted prices. As a user, you can earn $5 for every friend you refer (up to $100 earned). Your friend will also get $5 off.
CardCash – This site is similar to Raise, and they will also pay you $5 to refer a friend. Your friend will get a $5 off coupon to use on their first purchase.
Gift Card Granny – The Gift Card Granny referral program will give you a $5 bonus for referring a friend. Your friend also gets $5.
Coinbase – Get $10 in Bitcoin when your referrals buy at least $100 of digital currency (your friends will get $10 of free Bitcoin as well).
Unifimoney – Unifimoney is an investment app that offers a bonus of $25 in Bitcoin for each friend you bring to the platform. Your friend must invest at least $1,000 within the first 14 days to qualify for the bonus.
Food and Groceries
Earn money by referring your friends to these apps and companies related to food and groceries.
GrubHub – Refer a friend to GrubHub (restaurant delivery service) and they’ll save $10 off their first order of $15 or more. You’ll get $10 as a referral bonus.
NatureBox – Get $20 credit for healthy snacks when you tell your friends about NatureBox. Your friends will save 25% on their first order.
Shipt – The Shipt (grocery delivery service) referral program will give you a $10 credit for referring your friends. The people you refer will save $10 on annual membership.
Green Chef – The person you refer to Green Chef will get $55 off their first order. If your friends place a 2nd order you’ll get $25 in credit.
Splendid Spoon – If you’re a Splendid Spoon customer, you can earn 25 points for each friend that you refer. Your friend will get $25 off their first order.
Home Chef – Active subscribers of Home Chef can earn $35 in credit per referral. Your friend will also save $35 on their first order.
Retail and e-Commerce
Earn money by referring your friends to your favorite stores and online shops.
Sam’s Club – Tell your friends about Sam’s Club, and they’ll get $20 when they join. You’ll earn a $10 gift card for the referral.
Vimbly – Vimbly is a deal site for things to do in different cities. With their referral program, you can earn $10 in Vimbly credit, and your friend will also get $10.
Swap.com – The person you refer to the world’s largest consignment website will earn 40% off their first purchase of at least $20.
thredUP – Refer a friend to thredUP, and they’ll get $10 off their first purchase from this site that sells secondhand clothes. After their purchase, you’ll earn $10 for the referral.
MeUndies – Give your friends a discount on their first purchase at MeUndies and you’ll earn $20 in credit as a referral bonus.
Homage – Refer a friend to Homage (vintage apparel) and give them $20 off their first purchase of $40 or more. You’ll earn $20 in credit per referral.
The Clymb – At The Clymb, you can get great prices on outdoor gear and clothing. Through their referral program, your friend will get $10 off their first purchase of $50 or more, and you’ll get $10 in credit for referring them.
Rent the Runway – The fashion rental website Rent the Runway will give you an extra item with every shipment when someone you refer places their first order. Your friend will get 40% off their first month.
Tradesy – Designer women’s fashion site Tradesy will give you $10 for every friend you refer. Your friends will also get $20 off their first purchase.
→ Related reading: 50 Fantastic Money Making Apps You Won’t Want to Miss
Earn money by referring your friends to these apps and companies that will help them stay fit and healthy.
FabFitFun – Your referrals will get $10 off their first box, and you’ll earn $15 in credit.
Puritan’s Pride – Puritan’s Pride sells vitamins, supplements, and beauty care products at great prices. As a user, you can earn rewards for referrals through their Puritan’s Perks program. You’ll need to be logged in to your account to find the referral options.
MyProtein – MyProtein offers supplements and fitness clothing. As a user, you can earn $20 when you refer a friend.
IdealFit – With the IdealRaw referral program, your friends can save 20% on their first order of organic supplements. For referring them, you’ll earn $10.
Plant Therapy – Plant Therapy sells essential oils and accessories, and they have a referral program. Your friend will get $10 off, and you’ll get a $10 credit for a future order.
Grove Collective – Give your friends a free gift set, and you’ll get a $10 referral bonus when they make their first purchase.
Sweatcoin – The Sweatcoin app allows you to earn prizes for walking outdoors. You can earn 5 Sweatcoins for referring your friends to the free app (they don’t get a bonus).
Referring friends to these apps and companies can be highly rewarding.
Verizon – Verizon has a refer-a-friend program that customers can use to earn account credit. The amount that you earn will depend on what your friend signs up for.
DISH – If you’re a DISH customer, you can log in to your account and get a referral link. You’ll earn 100 points ($50) for each successful referral.
Dropbox – Earn 500 MB – 1 GB of free store per referral to Dropbox.
Fiverr – Refer a friend to Fiverr, and they will save 10% on their first order. You’ll also get 10% of their first order in credit, up to $100.
ConvertKit – Email marketing platform ConvertKit will give you 30% of the revenue generated from your referrals.
SendOwl – SendOwl makes it easy to sell downloadable products from a website or blog. You can refer your friends and earn a 20% commission for life. Your friend will get a 30-day free trial.
MailerLite – MailerLite is an email marketing service. Your friends will earn a $20 bonus by signing up through your link, and you’ll earn a $20 bonus for each friend who upgrades from a free account to a premium account.
MailChimp – MailChimp is another email service that will pay you and your friends up to $30 through its referral program.
Bluehost – Bluehost is a popular low-cost web hosting program. Through their affiliate program, you can earn $60 for each customer you send their way. The bonus can increase from there, depending on how many customers you refer.
BigScoots – BigScoots is another web host with an affiliate program. You’ll get 90% of the first month’s revenue for any customers you refer.
WP Engine – This WordPress hosting provider pays a minimum of $200 per referral through its affiliate program.
Siteground – Siteground is another host that pays at least $50 per sale through its affiliate program.
Refer friends to these companies in the travel industry.
Outdoorsy – This RV rental website will pay you $75 per referral, and your friend will save $50 on their first RV rental.
VBT – Tell a friend about a bicycling or walking vacation with VBT, and you’ll earn $150 in travel credit. The person you refer will also get $100 in travel credit, and you can earn cash bonuses for more referrals.
Pavlus Travel – This travel company’s referral program will pay you up to $500 when you refer a friend.
Getaround – Getaround is a peer-to-peer car rental marketplace. As a user you can earn $20 when your friends rent through Getaround, and your friends will also get $20 off.
Zipcar – Zipcar is another ride-sharing site that will give you $25 for referring others. The people you refer will also get a $25 bonus.
Here are some opportunities to refer friends to various apps and companies that don’t fit in the categories above.
Skillshare – The online learning platform Skillshare will give you a free month of membership (unlimited access to courses) for each friend you refer.
Neighbor – Neighbor is a peer-to-peer rental platform for storage space. They’ll give you a $50 bonus if you refer a friend who signs up to list their space for rent on Neighbor.com. Your friend will also get a $50 bonus.
OhmConnect – OhmConnect is a free service that helps you to save on your utility bills. As a user you can refer your friends. You’ll earn $20 when a friend reaches Silver status. Your friend will get $10 for signing up and another $10 if they link a smart device.
Casper – Help your friends save 20% on a Casper mattress and you’ll earn a $75 Amazon gift card for yourself.
Dollar Shave Club – If you’re a Dollar Shave Club customer, you can earn $5 for each friend you refer.
EyeBuyDirect – At EyeBuyDirect, you can get glasses and sunglasses. When you refer friends, they’ll get $10 off their first purchase, and you’ll earn $10 for yourself.
Fat Llama – At Fat Llama, you can rent just about anything from other users. The people you refer will get a $20 credit when they open an account, and you’ll get a $20 credit when they make a rental.
Rover – Send your friends to Rover (pet sitting) and give them $20 to use on the site. You’ll earn $20 credit for each friend through this referral program.
BarkBox – If you have a BarkBox subscription, you can get a free month for every friend you refer.
Handy – Refer a friend to Handy (handyman and cleaning services). Your friend will get a discount and you’ll earn $40 in Handy credit.
Final Thoughts on the Best Referral Bonus Apps
Taking advantage of referral bonuses is an easy way to make extra cash or earn rewards. There are many apps that pay you to refer friends, and we’ve showcased some high-paying referral programs here. Through these apps with a referral bonus and referral sites that pay, you can help your friends and yourself at the same time.
*Offer valid for U.S. residents 18+ and subject to account approval. This is not a recommendation. You can lose money with any investment. Open To The Public Investing is a member of FINRA & SIPC. Regulatory and firm fees apply. New customers receive free stock with value $3-300; 0.3% receive the max value. Cryptocurrency trading offered by Apex Crypto LLC. See Public.com/disclosures/