Having Friends Pays off: 24 Refer-a-Friend Programs That Pay You

Refer a friend
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Have friends? Co-workers? Family members?

If you fall in love with a product or service you use, you’re probably going to buzz about it. (I know we do!)

But did you know you can actually get paid to refer friends?

24 of the Best Referral Programs

We scoured the internet and found these companies offering awesome referral programs. If you take full advantage of these, you can easily bank thousands of dollars. But sometimes a crisp $5 bill is nice, too.

1. Acorns: Up to $100/Year

You’ve heard of Acorns, right? It’s one of our favorite micro-investing apps. You can start investing your spare change with as little as $5. (Plus, you’ll earn a $5 bonus when you sign up here.) Next, refer a friend to earn up to $100 in a calendar year.

2. Chime Bank: $25

Chime Bank is kind of the bank of all banks. It has no hidden fees, it can save you money automatically and it even delivers your paycheck early. When you refer a friend (tell ’em it only takes five minutes to sign up) who deposits $50 or more into the account, you’ll snag $25.

3. Dosh: $5

Dosh is a cold, hard cash-back app. When you spent money at a Dosh-affiliated retailer, you’ll get a percentage of cash back. Perhaps it’s 10% back from your local pizzeria. Or 3% back from Bed Bath & Beyond. When you refer a friend — and they connect their credit and/or debit card — you’ll earn $15.

4. OhmConnect: $20

California residents can earn extra money by syncing their utility accounts to a energy-sharing program called OhmConnect and agreeing to help reduce energy usage just a few hours a week.

It’s pretty simple, and you’re helping the environment. Your earnings are based on how much power you save. The more you save, the higher your “status,” which helps you earn even more.

Plus, with OhmConnect’s referral program, you can get paid up to $20 to help a friend save money and energy.

5. Shipt: $10 For Groceries

Shipt makes all your dreams comes true. That is, if you hate entering the grocery store. If you’re curious, read about how Shipt works hereIf you already use it, recommend it to a friend. Both of you will get $10 to go toward your next grocery bill.

6. Groupon: $10 in Groupon Bucks

All right, Groupon has wacky deals sometimes, but you can find real gems (like pizza) and save a ton. When you refer a friend, you can bank $10 in Groupon bucks to spend on the next great deal you find.

7. InboxDollars: 10% of Friends’ Earnings

If you’re into survey sites, you’ve probably heard of InboxDollars. You can get paid to take surveys, watch videos and play games. When you refer a friend who signs up, you’ll earn 10% of their qualified earnings. Say they watch a video and earn $1. You’ll get 10 cents.

8. Blooom: $10 Amazon Gift Card

Need some 401(k) guidance? Blooom is a robo-advisor that’ll make sure your account is working hard for you. The hands-off service is $10 a month, but you don’t even have to get your friends to sign up to get the $10 gift card. If they simply opt for the free 401(k) check-up, that Amazon card is yours!

9. Credible: $100 to $1,000

Credible refinances student loans, and the service has saved graduates a ton of money (like $50,000). If you’ve already used the service and you refer a friend who refinances a balance of $30,000 or more, you’ll snag $1,000. For balances under $30,000, or for personal-loan referrals, you’ll still get $100.

Note: This offer ends December 31, 2017.

10. HealthyWage: $20 (No Limit!)

This site pays you to lose weight (these women did it!). You place a bet on yourself and if you carry through, HealthyWage pays you. When you recommend a friend, it’ll add $20 to your wager. So, for example, if you invite 100 friends who sign up, that’s an additional $2,000 you can win if you meet your weight-loss goal.

Remember, the referral bonus is only available during the first three months of your HealthyWage challenge, so start hustlin’.

11. Lucktastic: 1,000 Tokens

Love scratch-off tickets a little too much? Lucktastic is a great free option. You can play scratch-offs right on your phone. When you refer a friend who downloads the app, you’ll bank 1,000 tokens — good for all the spins.

12. Walmart Grocery: $10 Promo Code

Love using Walmart’s grocery online pickup and delivery service? You might as well spread the good word, and refer your friends. They’ll get $10 for groceries — and so will you.

13. Airbnb: $20 Toward Travel

I’m so mad all of my friends use Airbnb already… maybe I need to make more? If you refer a friend who takes their first trip, spending $75 or more, you’ll get an easy $20 toward your next adventure.

14. Lyft: A Free Ride

If you drive with Lyft and refer a new driver, you could earn a bonus (amounts vary by location). If you refer a new Lyft rider, once they take their first trip, you’ll earn a free ride. Do note that this offer varies by location, so just check your Lyft app.

15. Uber: $5 Toward Your Next Ride

Uber offers two options: When you’re a driver and refer a friend to start a new side gig, you can get rewarded. If you’re a passenger, you’ll snag a $5 credit when you refer friends and they use your code before requesting their first trip.

16. Decluttr: $10 (Up to $100)

It’s exactly as it sounds: Decluttr is an online platform on which you can purge all your old media (CDs, DVDs, etc.) and electronics. When you gently remind your friend to clean out their childhood bedroom, you’ll earn $10 after they complete their first order.

17. Shopkick: 250 Kicks

Rewards apps are great, but many times they require you to spend money to make some back. Shopkick is different, though. You can earn “kicks” just by walking into a store. These kicks then translate to gift cards. For example, 6,500 kicks will get you a $25 Amazon gift card.

When one of your referrals signs up for Shopkick, you’ll bank 250 bonus kicks. That’s like walking into five Targets.

18. Achievement: 500 Points

When you download the Achievement app, it works passively to track your steps and activities, and it rewards you with points, which convert to dollars. Once you hit 10,000 points, you earn $10.

Help yourself reach that goal faster by referring friends (up to 20) and earning an extra 500 points without even leaving your couch.

Heads up: This is for a limited time only.

19. Sam’s Club: $10 E-Gift Card

Are you a Sam’s Club member? When you send a friend your unique referral link (found here), and they sign up, you’ll collect a $10 e-gift card, and they’ll collect a $20 e-gift card.

20. AAA: Refer a Friend for 20 AAA Dollars

Got AAA? You can help a friend out without changing their tire on the side of a highway by referring them to AAA. You’ll get 20 AAA Dollars, which will go toward your card’s renewal. Plus, you both can score awesome, unexpected discounts.

21. Gabi Insurance: $100 Amazon Gift Card

While there’s not much you can do to lower some of your bills, such as rent (unfortunately), you can use a service called Gabi to help you find better rates on your car and home insurance.

Gabi says it finds an average savings of over $460 per year for more than 60% of its customers.

Bonus: It sweetens the deal by offering a $100 Amazon gift card if you refer a friend who switches their insurance to Gabi. All you have to do is sign up, then from there, you can retrieve a referral code.

22. Hulu: $10 Visa Prepaid Card

Have you taken the plunge and cut the cable cord? If you’re a Hulu user, be sure to refer a friend. That friend will get a free 30-day trial, and you’ll get a $10 Visa prepaid card or gift card.

23. Rent the Runway: $30 Off

Rent the Runway is an online shop that lets you rent designer dresses for a fraction of their price tags. (Penny Hoarder Susan Shain loves it!) When you refer a friend, not only will they get $30 off their next purchase, you’ll get $30, too.

24. Hotels.com: $50 Off

If you travel a lot, you know how expensive hotels can be. Hotels.com not only helps you save, but when you refer a friend (who then books a $200-plus stay), you’ll also get $50 towards your next booking. Your friend will get $50 off, too.

Carson Kohler (@CarsonKohler) is a staff writer at The Penny Hoarder. She’s been humming the Beatles’ “With A Little Help From My Friends” while researching this post. Off-key, of course.

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