Honestly? When my friends see how much money I’m saving (and making!) with apps like these, I don’t even have to ask them if they want to sign up. I just make sure they have my referral code!

I trust you’ll share the love with your friends.

Be sure to download the KCL app for more money-saving tips, deals, and coupons.


1. Score $20 for you and your friend when you refer them to Rakuten.

You can earn cash back from over 2,500 stores with Rakuten, as well as get access to loads of killer coupons and promo codes.

It’s totally free to sign up, plus you get a $10 welcome bonus when you make your first purchase through the app. No rebate forms, points, or any of that nonsense to redeem. Just cold, hard cash.

Earn $20 for each friend you refer to Rakuten when they complete a $20 qualifying purchase. Bonus, they’ll get $20 too!


2. Earn $10 for referring a friend to Ibotta.

If you haven’t heard of Ibotta by now, I haven’t done my job.

Ibotta is one of the best rebate apps out there. You can earn cash back on groceries and retail purchases.

Every time you refer someone to Ibotta and they make a qualifying purchase you get a $10 referral bonus.


3. Get 250 kicks when you refer your friend to Shopkick.

Score gift cards when you visit stores, scan items, and make purchases with the Shopkick app.

You earn “kicks” (aka points) for each task you perform, and once you reach 2,500 kicks you can redeem them for $10 gift cards to places like Starbucks and Sephora.

Refer friends to download Shopkick and you’ll get 250 kicks when they walk in or scans within seven days of signing up!


4. Score 2,000 bonus points when you invite friends to join Fetch.

Earn points on every receipt you scan with the Fetch app. When you accumulate a minimum $3 in Fetch points (3,000) you can select to “cash-out” in form of a gift card.

Refer your friends to Fetch and you BOTH can earn 2,000 bonus points ($2) when they sign up and submit their first receipt.



5. Earn $25 when you refer your friend to TopCashback.

TopCashback is a free app that gives you cash back (or gift card) on anything you buy from its retail partners, (except for groceries.)

Even better, it also gives you promo codes that you can stack on top of your cash back earnings.

TopCashback’s Tell-a-Friend bonus offers you $25 when you share the referral link and your friend signs up and earns $10 or more payable cash back.


6. Earn a bonus or incentive (occasionally) when you refer friends through Venmo or Checkout 51.

Venmo is a digital wallet that allows you to pay or get money from your friends. The cash back app, Checkout 51, on the other hand, offers users cash back on grocery and gas purchases.

Although Venmo and Checkout 51 don’t offer referral bonuses on the regular, they do occasionally have incentives for referring friends.


7. Get $5 when you refer a friend to Cash App.

Splitting the dinner bill with friends? Owe someone for that time they bailed you out when you forgot your debit card in Costco?

Formerly known as Square Cash, Cash App lets you easily exchange money between family and friends.

Invite your friends to try Cash App, and when they link a debit card and send in their first payment of $5 or more within the first 14 days, you’ll both get $5.


8. Earn $50 for you and your friends when you invite them to join Chime.

Chime is a mobile banking app that can help you save and manage your finances without hidden fees or minimum balance requirements.

Refer your friends to Chime using your referral link. When they enroll and receive a qualifying direct deposit of $200 or more within 45 days of opening their account you and your friend will each get $50.


These Top 8 Apps Pay You to Refer Your Friends