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Mint pays $15 to you and $45 to whoever sent you. Both sides get credit, not cash.
Renewal credit, not cash, on both sides. Mint's terms say the credit cannot be redeemed or exchanged for cash or merchandise, so it only ever comes off a future Mint bill and it cannot buy a device. That matters more here than at most carriers, because Mint sells service in multi-month blocks paid up front. Your $15 does not shave anything off the pack you are buying now; it waits and takes a bite out of the next one. Mint also words its own promise carefully: subscribers "may potentially earn" the credit, which is not the same as will.
- You, for activating a new Mint account through the link$15
- The existing subscriber whose link you used$45
Both figures are Mint account credit toward a future renewal. Mint's terms say the credit cannot be redeemed or exchanged for cash or merchandise.
What pays what
| You, activating a new Mint account through a referral link | $15 credit |
|---|---|
| The existing subscriber whose link you used | $45 credit |
| That subscriber's 5th referral onward in a calendar year | $0, the cap is 4 |
| You, when the referrer is already capped out | Still $15 |
| Activating with no referral link at all | $0 |
| Cashing the credit out, or spending it on a phone | Not allowed |
| A referrer who lets their own account lapse into cancelled status | Loses banked credits |
Their cap is theirs, not yours, so it is worth asking for a link even from someone who has already shared theirs around.
Do this, in this order
- Get a link from an existing Mint subscriber. Mint generates it inside an active subscriber's account. No link, no $15, and there is no public code that substitutes for one.
- Activate a genuinely new Mint account through it. The program covers new-line activations on eligible Mint plans, and it is for individuals only. Both people need to be of the age of majority where they live.
- Expect at least 15 days, and read that as a floor. Mint says credits post "no sooner than" fifteen days after the referred friend successfully activates service. That sets a minimum and commits Mint to no upper bound at all.
- Plan to spend it on a renewal, because that is all it does. Mint bills in multi-month blocks, so a $15 credit discounts your next block, not today's. Try Mint for one cycle and then leave and you will never touch it.
- If you later refer people, do not let your own plan lapse. Mint's terms say a subscriber in cancelled status may not make referrals, may not earn credits, and "will also lose previously earned credits." Cancelled status is defined as 60 days after a renewal date passes without payment. Because Mint is prepaid in blocks, taking two months to decide whether to renew can wipe credits you already earned.
- Do not assume a port-in is or is not required. No port-in requirement, meaning bringing your existing number across from another carrier, appears anywhere in the referral terms we read. But those terms are self-dated August 5, 2024, and Mint has run port-in-conditional promotions separately. Check the offer in front of you at checkout.
The fine print, and what Mint does not say
The terms are self-dated August 5, 2024. That is the date printed on Mint's own referral terms, examined July 24, 2026. A document nearly two years old is not automatically wrong, but it is why the $600 line is still sitting in there arguing with the $180 the rules actually produce.
Mint does not publish an expiry for earned credits. No expiration language appears in the referral terms, which is not a promise they last forever. The one way credits are explicitly lost is the cancelled-status rule above.
There is no stated clawback if the new customer leaves. The terms contain no clause reversing a referrer's credit because the friend cancelled. The grounds Mint does state for voiding are ineligibility and fraud. Absence of a clause is not a guarantee.
This is a program for people, not for sites. Mint limits eligibility to individual customers and states the link cannot be used by businesses, organizations, or individuals for affiliate lead generation. Bots, fake identities, fake emails, and scripts are out, as is spamming the link around, and Mint requires compliance with anti-spam law.
Mint can rewrite this at any time, without telling you. The terms reserve the right to change, alter, modify, or assign them at any time without notice, and the program is void where prohibited. Disputes run under California law with exclusive jurisdiction in Orange County.
Is it worth your time?
Ask for a link, because entering one costs you nothing and going in without one pays you nothing. Just do not let $15 decide which carrier you use: it is credit against a renewal you have not bought yet, on a prepaid plan you pay for in blocks. The bigger number is on the other side. $45 is three times yours, capped at four a year, and it needs your own account to stay alive.