Earn Money by Inviting Friends to Use Your Favorite Apps & Services

You can earn money by referring apps and services to friends and family. You can earn money by referral links that are called referral codes. To earn money by referring links, you must first have an account with the service you are referring like Ebates, Stitch Fix or Swagbucks.

Perhaps you’ve used the cash app referral program or given a friend a free Uber ride before. If you’ve done this, you are well aware of the power of referring friends to make money or even earn credits towards products and services you like and use anyway.

Plus, your friend can also get a credit from your referral! They literally do no work (other than actually signing up and using the service) and get to benefit from your referral! Gotta love technology.

Even though these promotions can pay big-time, I really enjoy telling people about things that will save them money and organize their finances anyway. Here’s a list of promotions and payouts to get you started.

1) Chime Bank

$50.00 for you

$50.00 for the friend

Chime is an online bank that offers low to no-fee banking and other perks. For example, if you open a Chime bank account and refer a friend, you’ll both get $50 when the friend opens a Chime bank account and sets up direct deposit! As a bonus, you can also get your paycheck up to 2 days early and say goodbye to ridiculous bank fees with a Chime

Open an account with Chime to start saving and referring today.

2) Ebates referral program

Referral Bonus Amount:

$20.00 for you

$10.00 for the friend

Ebates is basically one GIANT referral search engine that pays you to 2 ways: 1) cash back on purchases you make with stores on Ebates 2) referring people to sign-up for the Ebates service. The stores they promote are places you would shop at anyway: Walmart, Amazon.com, Macy’s, Finishline, Expedia,  Kohl’s and about 1600 other places.

As long as you use the store links provided through Ebates, you are eligible to get cash back from your purchases! Ebates even provides a Chrome extension you can add to your browser to remind you of any available Ebates link for products or places you are already shopping with online.

Create your Ebates account here to start earning today.

3) AirBnb.com referral program

$35.00-$75.00 AirBnb.com credit for you

$35.00 AirBnb.com credit for the friend

Also part of the sharing economy, Airbnb has revolutionized the travel industry with its service offering: home-made travel accommodations. That means regular people like you and me can find another regular person through the Airbnb site and book reasonable arrangements in someone’s extra space.

Not only do you get to travel a deeply discounted rates, you also get to make money from any extra space you might have! We’ve stayed in condos and a converted garage so far, but I’ve seen listings for tents, RVs and even boats on Airbnb.

When a friend travels on Airbnb, you both get $30 in travel credit. When they welcome their first guest, you get $75 in travel credit! That’s more than a deal. Create your Airbnb.com account here, then book when you are ready to travel!

4) Instacart referral program

Referral Bonus Amount:

$10.00 for you

$10 for the friend

You can create an Instacart account here, then begin inviting friends to help cover your groceries. Instacart has to be available in your area, however.

5) Ibotta

Referral Bonus Amount:

$5.00 for you

$10.00 for the friend

Ibotta is like the newest sensation in couponing, only it’s not couponing. Ibotta is an app that actually gives you cash back on grocery purchases. Each week there is a different set up items you can get cash back on.

You simply scan your receipts to prove you purchased the items and the money is credited to your account. You can get this money sent to your PayPal account at any time. Invite a friend and they get a $10 Ibotta credit and you get a $5.00 Ibotta credit!

Again, these credit convert to cash quite easily at any time. Sign up here: www.Ibotta.com

6) SwagBucks

Referral Bonus Amount:

10% of all Swagbucks that your friends earn for life for your

$5.00 for your friend

Swagbucks is a service that pays you for completing surveys and referring people other people to the website as well. You can earn points towards all types of things including gift cards to Amazon.com, Walmart, restaurants, travel-related accommodations and pretty much anything on the internet. You can also opt to get your cashback via PayPal.

Sign up for your SwagBucks account here and start earning ASAP.

7) StitchFix

Referral Bonus Amount:

$25.00 for you

$25.00 for the friend

StitchFix is my new way to buy new clothing. It’s cute and better yet — saves tons of time (and embarrassment) in the fitting room. I am short and curvy, so it’s been hard finding clothing that compliments me.

StichFix to the rescue! They find clothes for your body type and do all the shopping for you. Their stylists ask about your preferences and send over items you would like. If you get something you don’t like…no worries just send it back and wait for your next fix to come.

Sign up for a StitchFix account to get cute and start earning credits towards your fixes.

8) ThredUp

Referral Bonus Amount:

$10 ThredUp credit for you

$10 ThredUp credit for your friend

ThredUp is a nice, online consignment store where you can find top brands for less. I’ve purchased a few blazers from there and have been very happy with the quality. With ThredUp, you save up to 90% on like-new styles from brands you love: J.Crew, Anthropologie, Mini Boden, Crewcuts, and more. Check out what ThredUp has to offer to get your bonus and start referring friends right away. 

9) Cash App Referral Program

Referral Bonus Amount:

$5.00 for you

$5.00 for the friend

When you sign up for Cash app (by payment processor Square,) you and your buddy get $5 each. This is a mobile app, so you’ve got to download it before getting an account. Download the app here and start referring friends today!

10)Walmart Delivery

Referral Bonus Amount:

$15.00 for your Walmart Delivery account

$10.00 for your friend’s Walmart Delivery account

Groceries delivered to my door? I’ll take it! Grocery delivery by Walmart can save you both time and money. It can save time because instead of traveling to and from the store, fighting with your kids while there, you can actually do other things (that might make you more money!) It also saves money because you will stick to a set grocery list and not be tempted by other sales or food displays that are not in your plans.

11) FamZoo

$15.00 for you

FamZoo is one of my most favorite financial apps. It’s an app that helps you dole out allowance to your kids via prepaid credit cards. You can open a FamZoo account here and you’ll get debit cards that will teach your kids how to deal with money. Refer someone to the app and you’ll get $15!

Related resource:

Debit Cards for Kids Under 13

12) SoFi

Referral Bonus Amount:

$100 for you

Need help with student loans? Who doesn’t these days? Become a SoFi member by refinancing your student loans with SoFi and get paid $100 per referral Apply for student loan refinancing with SoFi here.

13) Uber

Referral Bonus Amount:

$5-$100 for you

Free ride for the friend

Part of the sharing economy, Uber allows you to hitch a ride with regular folk who, making many rides cheaper than regular ride fare. There are rewards for referring people who sign up as both drivers and riders. Go to Uber.com to create an account, view terms and conditions, referral payouts.

14)Inbox Dollars

$5 for you

$5 for your friend

With Inbox Dollars, you can take surveys and earn real money (not points) that is paid out via PayPal once you reach a $30 balance. You can create an Inbox Dollars account here to get your unique code to start earning with surveys and making referrals.

15) Acorns

$5 for you

$5 for your friend

Acorns is an investing app that can help you start investing sooner than later. It takes your spare change and invests it according to your investing goals. There are tons of neat features including the ability to refer your friend so you get $5 to start investing and so do they. Open an Acorns account to help grow your net worth along with the net worth of your friends!

Promoting Your Referral Codes

I email and text my codes out to friends and family, but have also started broadcasting them on social media and my website for better results. Currently, I probably get more freebies from what I send out in a broadcast fashion through my blog and mass email list (powered by BlueHost and ConvertKit respectively.)

If you think you’d like to ramp up your freebies and referral fees, consider starting your own blog as well. You can start a blog for as little as $3.95 per month. Enter your information below to get a free video course and PDF eBook from me on starting your own blog.

Referral Programs that Work Great for Bloggers & Social Media Personalities

16) Personal Capital

Promote net worth monitoring services from Personal Capital. Payout: $100. Contact the PersonalCapital marketing team to receive your unique blogger referral code.

17) Ally Invest

Sign up for a free Ally Invest account so you can buy and sell stocks. At times, they will have referral bonuses that payout up to $50 per lead. Create an account to get regular emails and updates on their referral program.

18) Amazon.com

Promote anything sold on Amazon.com! Sign up here. Payout: varies by product.

19) BlueHost.com

Promote website services (payout: starts at $65 for each referral.) Sign up to be a referral affiliate partner here.

20) Convert Kit

Promote email services. (payout: starts at 30% of what the customer pays.) Get your ConvertKit account here: www.ConvertKit.com

21) Elite Blogging Academy

Promote a blogging course by Ruth Soukup, multi-millionaire blogger of www.livingwellspendingless.com. The blogging course is expensive- to the tune of a few hundred dollars. But take it and show it’s helped your blog growth? You get around $200 for each referral! Only bad news is that it’s only open once a year in February. Get on the waiting list here: Elite Blogging Academy.

22) PicMonkey

Promote PicMonkey‘s graphic editing software; Royale subscription. Payout: $4.99. Sign up with their affiliate partner, ShareaSale here.

23) Credit Sesame

Promote credit monitoring services from CreditSesame. Payout: $5. Contact the CreditSesame marketing team to receive your unique blogger referral code.

24) Fiverr.com

If you need something done, Fiverr is a great place to find formatting for eBooks, graphic design, Instagram account promotion and so much more. Open your Fiverr account and you’ll get 20% of your friend’s first order and your friend gets 20% off their first order. Win-win!

Look for more ways to save money or just manage what you have even better? Check out my free eBook Get out of Debt Now: