14 Legit Ways to Refer a Friend and Earn Money

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Making money online is all about having a knack for hustle and communication. One way is to refer a friend and earn money by having them sign up for apps, software, newsletters and more. I’ll show you exactly how you can start referring people to make extra income.

14 Top Ways to Refer People and Earn Money

Want To Earn Easy Money?

Do you want to earn some extra money? Who doesn’t! Unfortunately, it’s hard to find the real deal between schemes.

Don’t worry; in this post, we’re going to make you familiar with an authentic way to make money online.

What are referral programs?

If you didn’t guess it, we are talking about refer people and earn money programs. Referral programs are incentivized programs that encourage users to invite their friends. If the invited user signs up and uses that app, you get a reward often in the form of cash or gift cards. 

Sometimes, you can earn significant cash simply by referring people to join apps you love to use. Programs like Personal Capital, Robinhood and Fiverr offer lucrative bonuses for referring friends or family.

Robinhood is one of my favorites as you get to earn free stock for referring people. Imagine if you build a portfolio of free stock and it ended up doing extremely well. 

Other refer-a-friend programs will give you a share of the revenue that your referred user generates. An affiliate network like FlexOffers is a great example.

If you get friends to join and they earn $100 on the platform, you get $50 of it. Imagine if they do really well? You can earn some serious cash simply by referring people.

From shopping portals to survey websites to job placement services, there are a lot of sites and companies that pay you to refer a friend. 

Best Ways to Refer a Friend and Earn Money

We will be listing some of the top referral programs that actually pay. So, without any further delay, let’s get started. 

Survey Junkie

survey junkie logoSurvey Junkie is a renowned name when it comes to a legit way to earn money. Founded in California, the company has been in business since 2013.

Much like other survey research companies, registration to Survey Junkie is free.

You simply need to create a profile and then answer a few questions about yourself. Based on your answers, the company decides which surveys you qualify for. 

Once you have created your profile, they will start sending you surveys to take. For each survey you complete, they give you some virtual points that you can redeem. 

After you become Survey Junkie’s affiliate, you can refer your friends or family to become an affiliate with Survey Junkie and start earning a commission. 

Earn Per Activity Payment Method Min To
Cash Out
Next Steps
$1 – $50 PayPal & Gift Cards $10 Read Full Review

You can receive up to 5% of the earnings of new affiliates for the first three months.  Read more about the site in our Survey Junkie review.



Robinhood app logoRobinhood is another popular referral program that pays. It is a U.S. based financial services company that manages a mobile app and website helping people invest in stocks, ETFs, and more. 

The company is a FINRA-approved broker and a member of the Securities Investor Protection Corporation.

The primary source of their income is the percentage they earn on customer’s cash balances and margin lending. 

Speaking of their refer and earn money program, as soon as you create your free account with Robinhood, you can share your referral link with friends. You will both get one free share of stock if their application is approved. 

It is important to know that the shares of stock are selected haphazardly

from Robinhood’s inventory of settled shares. 

The value of shares can be anywhere between $3 to $150. The stock bonus is credited to the registered account within one week. 



acorns app logoAcorns is the U.S. based financial technology company offering services like Micro-investing and Robo-investing.

The company was founded by Walter Wemple Cruttenden and his son Jeffrey James Cruttenden in the year 2012 to support passive and incremental investing. 

Designed for long-term goals like a retirement plan, Acorns app lets you invest with just a few bucks every month.

Moreover, they have one of the best referral programs to make money. 

When you refer a friend via their referral program, and if your friend uses that link, both you and your friend get $5 in Acorns Invest account. 

To find your referral link, tap the “Invite Friends, Get $5” option in the Acorns app. Rewards will be given as soon as both accounts (you and your friends) are approved, and you both complete your first investment. 

Note: As mentioned on their website, Acorns reserves the right to revoke this offer at any time. 


See Related: Acorns vs Robinhod vs Stash – What is Best?


FlexOffers LogoFlexOffers is an extended affiliate network that provides various services and features to advertisers and publishers. The platform uses a wide range of options for data delivery, marketing, and payment processing. 

Flexoffers also runs refer and earn money program which lets you earn up to 50% of your friend’s lifetime earnings if they sign up for Flexoffers via the link you shared with them.

To make a referral, you will need to fill their Refer-a-friend form and wait for the approval. Although you earn based on a set calculation, yet the more your referral members earn, the more you will earn.

The good thing is that they have an advanced program interface that tracks the number of approved publishers you have referred and your bonus in real-time.

It means you will instantly know how big your bonus is each month and which of your referral members are earning you the most!



MyPoints LogoMyPoints is one of the oldest online panels rewarding its members since 1996.

It is a rewards website that lets its members gather points via surveys and numerous other ways, and in exchange, they get cash or prizes. The company also runs “refer a friend and get paid” program.

You can refer your friends and family to join MyPoints via its web form.

Your referral members will then get an email invitation in their inbox.

As soon as they click on invite email, and complete the registration, you will start earning. 

If a member referred by you makes a merchant purchase of around $20 within 30 days, you will be rewarded with 750 points while your friend will get 1750 points!

With this referral program, you may get up to 10% of your friend’s earnings along with a $10 bonus for signing up.



Swagbucks LogoSwagbucks is similar to search engines like Google or Ask. However, what makes it different from other search engines is that you get rewards points just for searching the web.

Indeed, the Swagbucks is sponsored by Google and Ask. 

You can install it as a toolbar on your computer, right next to your Google toolbar. It allows you to do internet searches as you do with Google and other search engines.

Each time you search, you gain points that you can convert into cash via PayPal. 

You can increase your swag bucks by inviting your friends to join.

Earn Per Activity Payment Method Min To
Cash Out
Next Steps
$0.4 – $2 PayPal or Gift Cards $3 Read Full Review

For each new referral, you will earn 10% of the referrals earnings. You will continue to earn this percentage as long as your referral member is active on Swagbuck. 

It is advisable not to use Swagbucks if you’re doing internet searches for work or research purposes as its search results might be different from that of Google.

Read more about it in our Swagbucks review


Rakuten Rewards

Rakuten LogoEarlier referred to as eBates.com, eBates is a California based eCommerce marketplace launched by Scott Blum in 1997.

In 2010, the company was acquired by Japanese company Rakuten, and they rebranded it as Rakuten.com. 

Talking about their refer a friend and get paid program, they offer rewards to their members for spreading the word about earning cashback. 

If someone you refer signs up for Rakuten and makes a significant purchase, you both will earn a reward.

Each Rakuten member is assigned a unique link that can be found by signing in to Rakuten and visiting their Refer – A – Friend page.

You can send your unique link to your friends via social media, email, or text. The reward amount and purchase requirement may vary. 

Cashback Payment Method Min To
Cash Out
Next Steps
Up to 40% PayPal or Gift Cards $5 Read Full Review

However, to check their current promotion, you can visit their Refer -A- Friend page.

One of the best things about Rakuten is they will give you a $10 bonus simply by signing up.

You can choose a Walmart gift card or Rakuten cash bonus at signup. 

 You can read more about how the platform works in our Rakuten review.



See Related: How to Convert Visa Gift Cards to Cash

Personal Capital

Personal Capital LogoPersonal Capital is one of my favorite software programs to track my net worth and cash flow.

It’s completely free to use and offers an amazing intuitive dashboard to better your financial future.

Here are some cool features:

  • Free Retirement Planner
  • Net Worth Calculator
  • Investment Checkup
  • Personal Advisor
  • 401(k) Analyzer
  • Monthly and Yearly Budgeting

It’s likely pretty easy to get friends and family to join as you can discuss how you use it in conversations.

It’s a pretty amazing program too!

You can safely recommend it to friends as I’m very positive they will love it too.

Personal Capital offers an awesome referral program that if you refer your friends you will get $20.

In addition, your friend or family member will also get $20 when they connect an investment account.



ibotta logoFounded by Bryan Leach in 2012, Ibotta is a famous mobile technology company that helps people earn cashback through its mobile app on online purchases and in-store.

For example, $1.00 for buying chips, bread, etc. 

The app is free to use and acts as a digital coupon.

You get your discounts and cashback in your Ibotta account.

Whenever you feel your cashback has reached a big sum, you can withdraw it.

To get the cash, you may use your Venmo or Paypal account. You can also exchange your Ibotta money for gift cards.

Talking about their referral bonus program, it is an ideal way to earn money by referring. You will be given some rewards to invite new users to Ibotta, who retrieves a minimum one “brand name” offer.

To earn a referral bonus, you will need to invite new users to Ibotta. Remember, users can’t create a second account merely to use your referral code.

The new users must have their own device. If they share device, they will be automatically disqualified and won’t get a bonus.

The new users will have to buy out a Brand Name offer. This offer is an offer with a particular brand in the title.

For each referral, you will get $5 while your friend will receive $10 when he/she joins through your provided link. 



dosh logoDosh is a cashback and shopping app that lets you get cashback on your connected debit or credit card purchases automatically.

You simply need to download the Dosh app and connect your credit or debit card with it. 

When you make any purchase using your card, you will automatically get paid cashback at participating in-store and online merchants, restaurants, and travel services.

Every time you use your card, Dosh automatically searches for available offers and coupons and converts them into cash and then deposit into Dosh Wallet.

Dosh helps you earn $5 bonus cash for each new user that you refer through your referral link.

As soon as they use your referral link to download the application on their mobile phone and connect a valid credit or debit card, you will receive a $5 bonus immediately.



Fiverr logoFiverr is a renowned online marketplace for freelance services. Came into existence in 2010, the company provides a platform for freelancers to offer services to customers across the globe.

The platform lets you search via jobs offered by sellers, known as gigs – you can list a job as well.

Fiverr has over 830,000 freelancers offering millions of gigs under 200 plus categories.

Most people do not know that this freelance service platform also gives an opportunity to earn money by simply spreading words about them.

You can spread the word by email, social sharing, or text. Just invite your friend, and you can receive up to $100 USD!

While your referrals will get a 20% discount for their first purchase. 



TopCashback is counted among the top best cashback sites. Joined by millions of members, the website was launched in 2005. It gives you access to thousands of cashback coupon codes and deals.

The company allows you to earn cashback for signing up for different products and services. You can get cashback at more than 3500 popular stores.  

Apart from this, the company also allows you to earn via their refer and earn money program.

You just need to tell your friend about the website, and if that friend signs up for TopCashback using your given link, you will get $10 as cashback.

Your friend will also get $10 for signing up at TopCashback for the first time.

Want to learn more? Read more in our TopCashBack review


It is a well-known cashback and online coupon website that came into existence in the year 2009. BeFrugal is run by its parent company, called Capital Intellect, Inc.

The company offers online coupons, in-store deals, grocery savings, shopping discounts, restaurant coupons, as well as the regular cashback rewards. 

The company also provides its each new BeFrugal member with a $10 sign-up bonus, and when you refer your friend to BeFrugal.com, you earn an extra $25. The bonus will be earned after new members earn $10 in cashback. 

You can share your referral link via text, email, social media platforms, or even through a button on your website. 

To earn $10, you will need to join through this BeFrugal Referral Link. So, create a new account and get started referring new members today. 

See Related: Best Apps to Make Money on the Go

Vital Card

It is a new credit card that combines traditional cashback rewards and social sharing. Unlike other cards, it doesn’t charge an annual fee.

Using this card, you may get up to 1% cashback on every purchase you make through this card. Moreover, you get additional cashback for referring others.

The card allows you to earn up to 5% cashback by completing different monthly activities and referring friends to the Vital card network.

For every person you refer, you could earn about $8 every month. 

See Related: 12 Apps Like MobileXpression


Most probably, one of the easiest ways to make money online is to refer a friend and earn money.

Today, there is no shortage of companies and websites that claim to offer the best referral programs to make money, but unfortunately, not all are genuine.

So that you don’t waste your time and effort exploring those websites and referring them to your friends and family, we have put together legitimate ways to make money.

These websites and companies will help make some additional income as per your convenience.

If we have missed any of your favorite referral programs in this list, you may write that in the following comment section, we will try to cover that in our other post.

What is your favorite way to refer and earn money? Let me know in the contact form if you have any questions or comments.

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