Having Friends Pays Off: 35 Refer-a-Friend Programs That Pay You

Refer a friend
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Honest Abe


Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.

Have friends? Coworkers? 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!)

Did you know you can actually get paid to refer friends, though? Here’s an example:

Oh my gosh, I used this really cool ride-sharing service. It’s like a taxi, but it’s not. You use an app to request a ride, and it’ll arrive in, like, five minutes.

That was a lot of us four years ago. What we should have done — and still can do if you find the rare gem who’s new to the ride-sharing world — is send them a referral email or link. When they use it, they’ll likely get rewarded. And so will you. (See No. 32 below.)

We scoured the internet and found 35 companies offering awesome referral rewards. If you take full advantage of these programs, you can easily bank thousands of dollars. But sometimes a crisp $5 bill is nice, too.

1. Clarity Money, $5 (up to $15)

The free Clarity Money app helps you keep your finances in order. It’ll even negotiate existing bills for you. Check it out for yourself if you haven’t already.

Then, once you realize how much you love it (because you will), refer a friend. Once they sign up and link one account, you’ll bank $5 in your Clarity savings account.

2. Ibotta, $5

The Ibotta app is an easy way to save money on groceries. Snap a photo of your receipt, and earn money back. You’ll earn money back when you refer a friend, too. Once your pal claims the $10 welcome bonus, you’ll pocket $5. Once you join (for free), you can get started.

3. BevRAGE, $2

BevRAGE is the Ibotta of alcohol. It’ll give you cash back on your alcoholic purchases. Plus, when you refer a friend, you’ll get an extra $2, a perfect discount on your next purchase of boxed wine.

4. Bluehost, $65

This web hosting service allows any of its users to sign up for the affiliate program. You’ll need to sign into your Bluehost account to see all the details, but you can earn $65 per recommendation!

5. Aspiration Summit Checking Account, $25 to a charity of your choice

This online-only bank account makes dealing with your finances a lot easier. The whole “no fees” thing and 1% interest rate is nice, too.

If you have an Aspiration Summit Checking Account, refer a friend. Unfortunately, you won’t bank extra money; however, Aspiration will donate $25 to the charity of your choice, which puts sweet karma on your side.

6. Digit, $5 (no limit!)

Once you connect all your financial lines to this savings app, it’ll analyze what’s going on and automatically push the appropriate amount of money (based on your lifestyle) to a savings account.

If you like using Digit (one Penny Hoarder saved nearly $2,000), go ahead and refer a friend. You’ll get $5 in your Digit account — no limit. Plus, you already bank $5 when you sign up, so why not?

7. Netspend Prepaid Debit Card, $20 (no limit!)

Open a Netspend account for free, then start referring your friends! For each friend who loads at least $40 into the account, you’ll both get $20. And apparently there’s no limit, so that’s cool, too.

8. SavvyConnect, $5-$15 (or more)

SavvyConnect is one of those online platforms that pays you while it “unobtrusively” tracks your online behavior. It’s really not as scary as it might sound. While earning extra passive income each month, you can also refer friends to make even more.

For every project your referrals complete, you’ll earn $5-$15. And for every project completed by someone they refer (indirect referrals), you’ll earn another $2-$6. Learn more here.

9. Swagbucks, $5 + 10% of your friends’ earnings for life

Do note this is a special that’ll end March 31.

If you refer a friend (or friends) to Swagbucks, the place you can earn free gift cards for doing little tasks, you’ll score $5 for completing your first task, plus 10% of that friend’s earnings — forever.

And if you keep hearing about Swagbucks but aren’t sure what it exactly is, here’s our beginner’s guide. Read that before signing up.

10. Credible, $500 (up to $25,000)

Credible refinances student loans, and the service has saved graduates a ton of money (like $50,000).

When you refer a fellow sufferer of student loans, each of you banks $500. Right now, until March 31, Credible is holding a contest. Those who have the most referrals will share $25,000 in prizes.

Just enter your email here to get a referral link, and start texting that sucker out to everyone you know.

11. Decluttr, $10 (up to $100)

It’s exactly as it sounds: Decluttr is an online platform where 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 — up to $100 total.

12. Ebates, $5 (up to $75)

Whatever you do, before you go shopping, you better use Ebates. Users get up to 40% cash back. And when you refer a friend, you can bank $5. Until March 31, that can multiply into $75.

13. 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.

14. The Honest Company, $20

Jessica Alba’s sustainable products empire, The Honest Company, has a solid refer-a-friend program. Invite a friend, and bank $20 in your account for your next purchase. (This is perfect for moms!)

15. MyPoints, 25 points (and other stuff)

This is one of those sites where you get paid to take surveys — but it’s legit. You’ll want to sign up now because you can earn a $10 Amazon gift card when you spend $20 or more. Then refer your friends because you can earn 25 points toward more gift cards (or 750 points if your friend makes a $20 purch!).

16. GlassesUSA, $30 toward glasses

Eyecare isn’t cheap, so any little bit helps. GlassesUSA offers (more) affordable frames and lenses, and when you recommend a friend who buys a pair, you’ll get $30 toward your next purchase.

17. OhmConnect, up to $75

Live in California? Energy-sharing program OhmConnect offers cash incentives for unplugging and using less energy so extra power plants don’t have to come online. Once you connect your utility account, you can get up to $75 for referring your friends and helping them save energy, too.

18. Amazon Prime, refer a friend, $5

Know someone who hasn’t jumped on the Prime bandwagon? This is a great opportunity to send them a referral link. They’ll get $5, and you will, too.

19. Airbnb, refer a friend for up to $5,000

I’m so mad all of my friends use the Airbnb app already — maybe I need to make more? If you refer a friend, you can bank tons of travel credit that can go toward staying in places like this.

When you refer a friend, there are two opportunities to earn travel credit. From the Airbnb website: “You earn credit when your friend completes a qualifying reservation as a guest and also when they complete a qualifying reservation as a host. You can earn up to $5,000 USD in travel credit overall.”

20. Achievemint, 250 points

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

Help reach that goal by referring friends and earning an extra 250 points without even leaving your couch.

21. 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.

22. Chase, refer a friend for credit cards, varies

A lot of credit cards offer great refer-a-friend deals, especially Chase. I have the Chase Sapphire card, and when I refer a friend, I get 10,000 points, which is enough to cover a flight (depending on where I’m going).

To find out if your Chase card offers a refer-a-friend bonus, enter your information here.

23. Clink, $5

Clink is a super simple investing app. It basically does everything for you, and you need only $1 to start. Plus, when you refer a friend, Clink puts $5 in your account!

24. Costco, refer-a-friend membership, $10

Got a Costco membership? When you refer a friend, you’ll both get $10 in Costco cash. (Then, read up on the other discounts you can get!)

25. Cricket Wireless, $25 account credit (up to $250 a year!)

Cricket Wireless is known as one of the most low-cost cell phone carriers. If you’re looking into signing up, see if a friend who uses Cricket can recommend you: You’ll both get $25. Then, you can start recommending up to 10 friends a year for your own credits.

If you don’t have Cricket, check to see if your phone carrier has a referral program.

26. DISH, $50

If you’re a DISH customer and want to save on your monthly bill, refer a friend. You’ll both save $50.

27. 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 greatest deal.

28. Grubhub, $7 off your next order

This delicious company (it’s a food-delivery service) offers $7 to you and a friend when you refer them. Just shoot them an email!

29. Poshmark, $5 Posh credit

Selling items on Poshmark for extra money is simple (if you know how the pros do it). Also simple: Snag an extra $5 in Posh credit if you refer a friend. You’ll need to unique referral code, which you can find in your Poshmark app.

30. Rent the Runway, $30 off your next order

Rent the Runway is an affordable online shop that lets you rent designer dresses for a fraction of their price tags. (Former 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.

31. Sam’s Club, $10 e-gift card (no limit!)

Love warehouse clubs? When you refer a friend who signs up for a Sam’s membership, you’ll get a $10 e-gift card. (They’ll snag a $20 one!) There’s no limit.

32. Shipt, $10 for groceries

Shipt is a somewhat new grocery delivery service. If you’re curious, read about how it works here. If you already use it, recommend a friend. Both of you will get $10 to go toward your next grocery bill.

33. Uber, a free ride

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

34. Verizon, up to $100

Cell phone bills are way too expensive these days, so $100 could really help. A lot of phone providers offer rewards for referrals, so find the friend who’s most fed up with their provider and send them Verizon’s way.

They’ll snag a $50 Visa gift card; you’ll get up to a $100 Visa gift card.

35. Walmart Online Grocery, $10 (up to $200!)

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.

Your Turn: With so many refer-a-friend programs out there, tell us your favorite. If we missed it, we can add it to our list!

Disclosure: Our friends stopped inviting us over because we were always digging for loose change between their couch cushions. We use affiliate links instead so we still get invited to a few parties.

Carson Kohler (@CarsonKohler) is a junior writer at The Penny Hoarder. She’s been humming the Beatles’ “I get by with a little help from my friends” tune while researching this post. Off-key, of course.

Honest Abe


Some of the links in this post are from our sponsors. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin.