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One of the simplest ways to make money online is by trying services and products from companies that offer incentives for referring friends. I mean, have you ever bought a product you really liked and just felt the need to tell all your friends about it?

If you tell all your friends about a company’s product or service, you might as well get paid for referring them. The best part about referral programs is that you don’t even need to have a blog to get started. Anyone can do it, whether that’s through a blog post, a social media post, or email.

Referral programs are similar to affiliate programs in which you earn a commission when someone joins the program you referred them to via your link. However, unlike many affiliate programs, you don’t really need to get accepted into the program before you can start promoting and making some money.

Studies have shown that people are less likely to refer their friends if they do not receive an incentive for referring. For this reason, many companies began offering referral programs to encourage their customers to refer their friends.

This blog post will list 20 services with refer a friend programs you can sign up for. The referral programs listed in this blog post include referrals from credit card companies, automatic savings websites, cashback websites, survey websites, and natural health websites. Many of these services also offer bonuses just for signing up. Signing up and using these services could potentially save or earn you hundreds or even thousands of dollars every year.

Copy-of-6-4 An Epic List of 20 Referral Programs: Easily Make $1,000+ a Month and Save Hundreds More Making Money Blogging

Money Referral Programs

Money referral programs include credit cards, savings accounts, and money saving apps that you can download on your smartphone. Credit cards are my personal favorite way to save and earn money. Credit cards are a great way to save and receive cashback on the purchases you’ll be making anyway and can potentially save you hundreds of dollars every year.

1. Discover Credit Card

The Discover credit card is a great credit card to have. When you activate your discover credit card, you can earn 5% cashback bonus on up to $1,500 in rotating categories each quarter. The 5% categories rotate each quarter and include gas stations, wholesale clubs, home improvement stores, restaurants, and Amazon.com. With the 5% categories each quarter, you can earn up to $75 per quarter for a total of $300 every year. After you’ve activated your Discover credit card, you can start referring your friends and making even more money. Discover currently pays $50 per referral for up to 10 referrals a year. When your friend clicks on the link, applies, and becomes a Discover card member, they will receive a $50 cashback bonus after making a purchase within the first 3 months.

2. American Express Credit Card

The American Express credit card is seriously one of the best credit cards I’ve come across. This credit card offers 6% cashback for shopping at U.S. supermarkets for up to $6,000 per year in purchases. If you do the math, this means you can earn $360 just for shopping at U.S. supermarkets every year. This credit card also offers 3% cashback at U.S. gas stations and select U.S. department stores. American Express offers 75 reward dollars per referral for up to 550 reward dollars a year. When your friend gets approved for the American Express credit card, they will receive $150 in statement credit after spending $1000 in purchases within the first 3 months of being a card member.

3. Qapital Personal Finance App

Qapital is a personal finance app that will schedule small transfers into a savings account. The money will be deposited into an FDIC-insured account at Wells Fargo. The only way to access your account is through the Qapital app, which can be downloaded using Google Play or the App Store. With the Qapital app, you choose a savings goal and then automate your savings by turning everyday spending into opportunities to save. The way this app works is that if you, for example, make a transaction of $1.50, $0.50 will be deposited into your Qapital account. Qapital offers a referral bonus of $5 for each friend you refer. If your friend uses your referral code, they will also receive a $5 bonus. Click here to receive your $5 bonus from Qapital.

4. App Earny

Did you know your credit card company may offer the benefit of price protection? This means that if a better price is found on the item you bought, you can get back the difference. Doing this by hand is such a hassle because you have to constantly monitor prices on the items you bought, call the credit card company to file a price protection claim, and fill out the claim. This is where App Earny comes to the rescue. Earny acts as a virtual assistant that automatically gets you money back when prices drop on the items you bought. Just link your credit card to the app and you are all set to go. App earny takes 25% of the money you earn, but that’s a small price to pay for price protection claims you may or may not file otherwise. When your friends register for App Earny using your referral link, you will receive 5% of their refunds and 5% of their referrals’ refunds.

Referral Programs for Cashback Websites

We all shop for something, whether it’s for clothes, shoes, electronics, health products, beauty products, or any other product. So, why not receive cashback for the shopping you’ll be doing anyway? You can immediately receive 1% – 20%+ cashback just by shopping through any of the cashback websites listed below. These cashback websites allow you to earn cashback by shopping on the websites of participating merchants, such as Amazon, Best Buy, HP.com, Macy’s, Kohls, and hundreds of others.

Not only can you save hundreds of dollars every year through cashback websites, but you can also earn thousands of dollars by referring your friends. Most of these cashback websites also pay you just to sign up on their website.

Listed below are some of the most common cashback websites that pay you to refer friends:

1. Ebates

This is perhaps the most popular cashback website. Ebates offers $5 for referring a friend plus additional bonuses based on the number of friends referred. For instance, if you refer 2 friends, you will make $10 plus an additional bonus of $40 for a total of $50. Your friend will also receive $10 after signing up and making a purchase of at least $25 through Ebates.

2. Be Frugal

Be Frugal is also a cashback website similar to Ebates. Be Frugal has one of the best referral programs offering $15 for each friend that you refer. Your friend will also receive a $10 sign-up bonus for joining Be Frugal.

3. Mr Rebates

Mr Rebates is my personal favorite website to receive cashback. Their referral program is also top-notch. When you refer a friend, you’ll receive 20% of their earnings for life. When your friend signs up using your referral link, they will receive a $5 sign-up bonus.

4. Ibotta

Ibotta is a rebates app that offers cashback on in-store purchases. The user of this app just has to take a picture of the receipt to get cashback on the rebates offered by Ibotta. For a limited time, Ibotta is offering $5 for each friend who redeems plus an extra $15 for the third friend who redeems ($30 for referring 3 friends). Use referral code xdwpqhe to receive a $10 welcome bonus after redeeming your first rebate with Ibotta.

5. Top Cashback

There’s really no shortage of cashback websites. Top Cashback is another cashback website similar to Ebates. This cashback website offers $10 cashback for each friend you refer.

6. Extrabux

Extrabux is another cashback website that offers $5 cashback for each friend you refer. You’ll also earn 5% on the cashback your friends earn for life. When your friends sign up through your link, they will receive a $5 cash bonus.

7. Giving Assistant

Giving Assistant is a cashback website that offers cashback from over 2,700 stores. Unlike many other cashback websites, Giving Assistant is different because it allows you to donate a portion of your cashback to a charity of your choosing. By joining Giving Assistant, you have the opportunity to transform everyday shopping into charitable action. Giving Assistant offers $5 for each friend you refer. Your friend will also receive $5 when they sign up through your referral link.

8. Berry Cart

If you’re into the whole healthy lifestyle craze, Berry Cart is the cashback app for you. Get paid to shop for healthy, organic, non-GMO, all natural foods. You can also get paid to help a friend eat better through Berry Cart’s referral program. Berry Cart pays you $2 for every friend you refer.

9. Yaarlo

Yaarlo is an app that offers cashback on your everyday purchases. The user of this app can earn cashback by scanning receipts from any stores, buying certain gift cards, and by shopping online at certain stores. The user of this app can also find and print coupons for certain items to save money on their purchases. Yaarlo only offers $1 for each friend you refer, but the amount does add up based on the number of friends you refer. Use referral code MIKIPATE879 and receive a free $5 sign on bonus.

Referral Programs for Survey Websites

Did you know you can make an extra $300+ per month just by joining and taking surveys online? I’m not making this stuff up. Survey websites are seriously worth exploring if you want to make some extra cash on the side. The best way to make money online is by having multiple streams of income. Now, you can add survey websites as another source of income and you will be well on your way to making a full time income online.

Some survey websites will not only pay you for taking surveys, but they will also pay you for referring friends. Who doesn’t like the idea of getting paid for helping their friends make money online? I know I do.

Many of the referral programs offered by survey websites will pay you in points, which you can later redeem for PayPal cash or for a gift card.

1. Vindale

Vindale is one of the best survey websites out there. This survey website offers $2 for completing your first survey. Vindale also offers $5 for every friend you refer. That’s easy money right there.

2. Paid Viewpoint

Paid Viewpoint offers surveys that take less than 2 minutes to complete. Unlike many other survey websites, you qualify for every survey offered by Paid Viewpoint. When you refer a friend to Paid Viewpoint, you will earn 20% of what your friends accumulate. The downside to using Paid Viewpoint’s referral program is that you can only earn up to $25 for each friend you refer.

3. MintVine

This is another great survey website. When you refer a friend to MintVine, you will earn 15% of what your friends make on all surveys. You will also earn 50 additional points when your friend completes their first survey.

4. HCD Surveys

Here is another survey website. The only problem with this survey site is that it doesn’t pay much for referrals. HCD Surveys will give you 50 points (worth $0.50) for every referral who becomes a verified panel member for HCD Surveys. 50 points may not seem like a lot, but if you refer a ton of people, the points do add up quickly.

Natural Health Referral Programs

I’m a huge fan of healthy living, so it only seems right that I include some of my favorite natural health referral programs below. The only downside to these referral programs is that they don’t really have any cash value. These referral programs use a point system, which can only be redeemed on their website.

1. Annmarie Gianni Skin Care

The products offered by the Annmarie Gianni Skin Care line are pure, natural, and organic. This is my absolute favorite skin care line because they have zero tolerance for chemicals. These products also smell heavenly and work better than any name brand products found in drugstores. Annmarie Gianni Skin Care has a pretty good referral program. This skin care line currently offers 2,500 points ($25) for each successful referral you make. If your friend uses your referral link to make a purchase, they will receive a discount code for $25 off a minimum order of $75 on their first purchase.

2. Health Ranger Store

The Health Ranger Store sells nutritional supplements, superfoods, preparedness items, personal care items, and more. The products sold by the Health Ranger Store are all tested for purity at their forensic food laboratory. One thing I like about buying products from the Health Ranger Store is that they have zero tolerance for contaminated products. The Health Ranger Store offers 500 points ($5) for each successful referral who spends over $30 on their first purchase.

3. Vitacost

Vitacost offers over 45,000 health and wellness essentials from over 2,500 leading brands. Vitacost also offers savings up to 50% off retail price. Why pay more for healthy products when you can save for shopping healthy? If you want to save even more money on Vitacost, Mr Rebates currently offers 6% cashback for shopping on vitacost.com. Vitacost offers $5 for every friend you refer up to $25 per month. When your friend uses your referral link (click here for mine), they will receive $5 as well.

Conclusion

I was once told that it’s not about how much money you make that’s important, but about how much money you save. If you spend $4,000 a month but only make $5,000 a month, you’re not really making much. The point I am trying to make is this: Saving money is just as important, if not more important, then the amount of money you make. For this reason, I highly suggest you check out the websites listed above.

Even if you are not planning on referring anybody to the programs, you can still save hundreds or thousands of dollars just by signing up and using the websites listed above. If you are planning on using the referral programs to make money, the best way to do that is to start a blog and/or promote on social media.

Anyway, I do hope that you found the list of referral programs useful. The referral programs listed in this article don’t even begin to scratch the surface of the number of referral programs available today. What are your favorite referral programs? Please let me know in the comments below.

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