All 118 offers, one honest list.

Real cash for opening accounts and routing deposits. The traps live in what counts as a qualifying direct deposit, in monthly fees, and in hard end dates.

SoFicash; $400 needs $5k+ of real payroll direct deposit $50–$400Cash Venmo and self-transfers pay $0, and $4,999.99 of deposits pays $50, not $400 VerifiedJul 27, 2026 Worth it if Guide Chasecash; $3,000 is the $500k Private Client ceiling $175–$400Cash Zelle and self-transfers do not count as direct deposit; the $15/mo fee eats $90 if unwaived; one bonus per 2 years VerifiedJul 27, 2026 Worth it Guide Chimecash to the friend who signs up. Chime publishes NO figure for the referrer: its own page says only that you "earn a bonus" whose amount "may vary based on your active offer", is set at the moment your friend enrols, and differs from friend to friend $100Cash Only employer/payroll ACH counts (bank transfers and P2P fail), and missing the 14-day card activation quietly voids it. The referrer's side is unpriced: every site quoting $100 to the sharer is quoting a number Chime does not publish VerifiedJul 27, 2026 Worth it if Guide Currentcash, both sides; the Chime mirror $100Cash Payroll deposits only, and the code must be applied at signup or the bonus is lost forever VerifiedJul 27, 2026 Worth it if Guide Varocash for both sides, but Varo sets the amount per offer and only shows it in your email or the app, so there is no fixed figure to quote VariesCash Only real payroll, pension or government benefit deposits count. Tax refunds, stimulus, Venmo-style P2P, and anything you push in using your own Varo routing number are all excluded, which rules out the obvious self-funding shortcut. Earnings are capped at 6 bonuses and $1,000 a year, counting a bonus you got as a new customer, and only the first five friends on your link can be paid in a calendar year. Bonuses get reported on a 1099-MISC VerifiedAug 15, 2026 Worth it if Guide Allycash with NO direct deposit required; the easiest three-figure bank bonus we verified $100Cash Referrers are only paid on their first 5 referrals a year, and Ally can end the program early VerifiedJul 27, 2026 Worth it Guide Axos$100 for checking with a $1,500 direct deposit; $50 tiers for ONE/savings $50–$100Cash The $1,500 direct deposit bar is the highest of the neobanks, and P2P transfers do not count VerifiedJul 27, 2026 Worth it if Guide Upgradea cash credit whose size Upgrade does not publish on any of its own pages, so the $100 to $400 figures circulating are third-party guesses VariesCash credit Only recurring employer, payroll or gig deposits count. One-time deposits, tax refunds, trial or verification deposits, PayPal and Venmo, mobile check deposits and cash loads are all excluded VerifiedAug 15, 2026 Think twice Guide Marcusrate boost for 3 months for both sides, lifting the 3.40% savings rate to 4.40%. It is interest rather than a cheque, so it is worth about $25 per $10,000 you hold +1.00% APYInterest Marcus swapped the old cash bonus for this rate boost on July 1, 2026, so any guide still promising a cash payout is out of date. You also need to have had no Marcus savings account or CD for 12 months to count as new, CDs earn nothing, only the primary owner of a joint account collects, and boosts are capped at five and run one after another instead of stacking VerifiedJul 27, 2026 Worth it if Guide Wealthfrontboost for 3 months on the Cash Account, both sides; not cash (~$19 per $10k) +0.75% APYInterest It rides on a variable base rate and applies only up to $150k; zero value if you keep small balances VerifiedJul 27, 2026 Worth it if Guide OnePayin points (5,000), offer-dependent; check the in-app number ~$50Points to cash Paid in points that need redeeming, and the $500-deposit/$5k-balance unlock is a real hurdle VerifiedJul 27, 2026 Worth it if Guide Huntingtoncash; $400 on Perks Checking, and $600 on Platinum Perks only if you park $25,000 of outside money $400 or $600Cash Real-Time Payments credits, Zelle, Venmo, PayPal and Huntington-to-Huntington transfers all count for nothing; the promotion code attaches only from Huntington's offer page; 21 states only; $10 a month on Perks unless deposits hit $1,000 every month or you keep a $5,000 total relationship balance VerifiedAug 20, 2026 Worth it Guide Truistcash; a separate business checking offer pays up to $800, on balance alone $500Cash Zelle, Real Time Payments and transfers pushed from your own bank all pay $0, one $2,000 deposit is not two, and the promo code is single use and cannot be added after the account is opened VerifiedJul 27, 2026 Worth it if Guide Bluevinenothing for a US resident: both promotions with live terms say legal residents of the 50 states and Washington, D.C. are not eligible, and the referral programme pays only the referrer NothingCash in USD, non-US residents only Payments to entities you own or control, and any payment returned or refunded, do not count toward the $50,000. The bonus is reversible if you close the account within 150 days of funding it, and the free Premier year auto-continues at $95/month, $1,140 a year, unless you actively downgrade VerifiedAug 17, 2026 Think twice Guide

Small, fast bonuses on payment and money apps. The traps are narrow qualifying-action definitions, expiring credits, and links no deal site may post.

Cash Appcash to the new user, published in Cash App's own referral terms. The widely quoted $5 is not the bonus, it is the payment you must send to qualify. Cash App publishes no figure for the referrer's side $10Cash The 14-day clock starts when the code is ENTERED, not when you join, the card must stay linked until the bonus is paid, and the $5 must go to an account that is not yours. Payment can take 30 days. Codes are "one time use", a phrase Cash App never defines. On family accounts for ages 13+ you also need a parent's approval and an activated Cash Card, and an existing sponsor cannot earn from an account they already authorised VerifiedJul 27, 2026 Worth it Guide Venmofor a $5+ bank-funded payment; ask a friend for their link (Venmo bans public link posting) $5Cash The 14-day clock starts when the LINK was created, not when you signed up VerifiedJul 27, 2026 Worth it if Guide PayPalas 1,000 points; ask a friend for their link (PayPal bans public link posting) ~$10Points to cash back Paid in points you must redeem, and publicly posted links void the reward VerifiedJul 27, 2026 Worth it Guide Stepto the person who refers you. Step publishes no figure at all for what YOU get, saying only that you will both be rewarded. Our previous $5 was wrong by five times. The widely repeated $25/$25 is wrong $1Points to cash Step publishes no figures in its legal terms, saying amounts 'may vary from time to time in our sole discretion', and its own offers page still serves an expired October 2024 promotion. Step Black costs $4.99 a month VerifiedJul 27, 2026 Worth it if Guide Greenlightan amount we cannot currently source. The boosted window that paid $50 to the joining family ran July 22 to August 5, 2026 and has closed. The programme itself has NOT closed: greenlight.com/refer-friends, re-fetched Aug 15, 2026, still offers it and its footer still links 'Refer Friends, Get $50'. That label does not say which side gets it, and the page came back byte-identical to the July 24 capture, so it is equally consistent with nobody having updated it. The reward is whatever the link your friend sends you advertises UnconfirmedCash to Parent Wallet Posting a Greenlight link on a deal site forfeits the reward for BOTH sides, so no website can give you one. The subscription runs $5.99 to $19.98 a month, which eats any bonus of this size in a few months. Greenlight also leaves expired promotion pages standing: on Jul 27 its January page was serving a July header over a January body VerifiedAug 15, 2026 Worth it if Guide Davean ExtraCash borrowing-limit boost, not money. Dave never publishes the size and it expires after 60 days Not cashBorrowing limit The $15 and $75 figures circulating come from coupon sites, never from Dave. Costs stack up too: membership is up to $5 a month, an advance fee is the greater of $5 or 5%, instant transfer to an outside debit card is 1.5%, and tips are prompted on top VerifiedJul 27, 2026 Think twice Guide Monarch Money50% off your first year of Monarch's annual Core plan, but only through a referral link generated by a paid or trialing Monarch user; the sharer's payout later requires an active subscription. Monarch's own site-wide code WELCOME gives everyone 30% off year one and the two cannot be combined, so a real person's link is worth twenty percentage points more than the public offer 50% off year oneA discount at checkout; a gift card for the sharer Monarch rewrote this note in August 2026. Promo codes are now "only valid on annual Core plan subscriptions billed directly by Monarch (not Apple or Google)", so a subscription bought through the App Store or Google Play quietly costs you the whole thing; the older sentences about web checkout, the mobile app and the code expiring are gone. It is also for "new members only" and "cannot be combined with other offers", and the referral program terms separately require the friend to subscribe through web billing. On the sharer's side Monarch publishes the cap and refuses to publish the amount: rewards are "a set reward to be determined solely by Monarch", capped at $480 per calendar year. Both sides must live in the US or Canada, you forfeit the reward unless you are still a paying subscriber on the day it arrives roughly 30 days later, and refund-takers are ineligible. Monarch's help centre says annual Plus qualifies while its newer terms say Plus does not. A run of chargebacks by referees you cannot vet means permanent disqualification with no explanation and decisions "final and not subject to appeal", and the main terms let Monarch charge you for a reward you have already spent VerifiedAug 20, 2026 Worth it if Guide TaxActat least 20% off a paid federal DIY return if a friend emails you the invitation, or an Amazon gift card of at least $20 for every friend you refer who buys and then actually files. Both numbers are floors rather than fixed amounts: the terms say a discount "of no less than 20% off" and a card "valued at no less than twenty dollars (US $20)" 20% off or $20Discount, or Amazon gift card The referrer's payout is capped at $599 per calendar year, one dollar under the $600 figure at which a US payer generally files an information return, and TaxAct's help centre contradicts its own terms by capping at 20 referrals a season, which is $400. Buying is not enough: the friend must file, using the emailed link, on or before October 31, 2026. State returns are excluded on both sides, free returns do not qualify at all, and the discount is "only valid for the intended email recipient", so no website can deliver it. Rewards are subject to verification in TaxAct's sole discretion, the program can be stopped "with or without notice", and TaxAct's total liability for the whole program "WILL NOT EXCEED $100" VerifiedJul 27, 2026 Worth it if Guide TurboTax20% off the preparation and filing of an individual or business federal return on a paid TurboTax Online or TurboTax Experts product, and nothing off a state return, a CD or download product, TurboTax Free Edition or any other add-on. The person who shared the link gets gift cards instead, in an amount the binding terms say "may vary", capped at $500 in total 20% offA discount at checkout; gift cards to the referrer The discount never stacks. The terms say it "cannot be combined with any other offer" and the referral page explains the mechanism: "the best offer or discount will be automatically added to your cart", so a better live promotion silently replaces the referral and may leave your friend with no reward. Everything else is dated: the link must be used between October 8, 2025 and October 31, 2026, and rewards are redeemable across that same window, while the reward email can take up to 45 days, so a late-October referral can be notified after redemption has already closed. Free filers earn the referrer nothing, the programme is US only, an Advocate is required in capital letters to tell friends they get paid or forfeit the reward, a privacy deletion request can cancel the reward, and Intuit's maximum liability for the whole programme "WILL NOT EXCEED $100" VerifiedJul 27, 2026 Worth it if Guide

Brokerages pay new customers in stock, not cash. The traps are lock-ups before you can sell, maintenance periods before you can withdraw, and lottery ceilings.

Robinhoodgift stock for ~99% of people; $200 is the 1-in-1,000 ceiling $5Gift stock The stock is triggered by linking a bank, not by opening the account; unclaimed rewards expire in 60 days VerifiedJul 27, 2026 Worth it Guide Webullour estimate for 20 fractional shares; $3,000/share is the unpublished-odds ceiling ~$60–$200Fractional shares 12-month maintenance period, and fractional shares cannot transfer to another broker in-kind VerifiedJul 27, 2026 Worth it if Guide Moomooin NVDA stock; $1,000 needs $100k parked up to 180 days $30–$1,000NVDA stock Withdrawing below your tier during the freeze forfeits the stock, and market dips count against you VerifiedAug 17, 2026 Worth it if Guide Publicin a stock or ETF you pick from their pool $20Fractional stock A $1,000 deposit for a $20 reward, and the share is non-transferable with its value floating VerifiedJul 27, 2026 Worth it if Guide Acornsin reward shares for a $5 deposit; small but nearly automatic $5ETF shares Acorns is a $3+/mo subscription, which outruns the bonus if you were not staying anyway VerifiedAug 15, 2026 Think twice Guide Stashcash by promo, for a $5 deposit $20–$30Cash to Stash The bonus must stay in the account 90 days, and the $3+/mo subscription eats it if you forget to cancel VerifiedJul 27, 2026 Think twice Guide M1 Financeboth sides, but only with a $10,000+ deposit; the highest bar in this category $75Cash $10k minimum, and if you use an IRA the money then lives under retirement withdrawal rules VerifiedJul 27, 2026 Worth it if Guide tastytradecash, both sides, for a $1,000 deposit; the current program window runs through Nov 30, 2026 $100Cash The friend's funds must stay 6 months, and the bonus cannot be withdrawn until that hold ends VerifiedAug 15, 2026 Worth it Guide Charles Schwabtiered by net deposit: $100 at $25,000, $300 at $50,000, $500 at $100,000, and $1,000 at $500,000. It all goes to the friend, and the Schwab client who referred them gets nothing $100–$1,000Cash Below $25,000 you get nothing at all, and only genuinely new-to-Schwab money counts toward the tier VerifiedJul 27, 2026 Worth it if Guide Fundrisein bonus shares, tiered by the REFERRER's account value rather than their plan, and Fundrise states there is no purchase or investment necessary by you or your invited friends $25–$100eREIT shares Paid in illiquid eREIT shares: redemptions can take quarters and can be paused entirely VerifiedJul 27, 2026 Worth it if Guide Groundfloorin restricted investment credits for a $1,000 investment $100Restricted credits Credits must be invested in a loan and that loan repaid (months to years) before the money is withdrawable VerifiedJul 27, 2026 Think twice Guide

Exchanges, bitcoin apps, wallets, cards and tax tools. Most pay in crypto or a discount, and the traps are state exclusions and programs that quietly ended.

Exchanges 13

Coinbasein bitcoin on the direct path, which is a random draw: Coinbase says 99% of users land between $10 and $100, and 1% between $1,000 and $2,000. The referral path pays a bonus Coinbase publishes no US figure for at all $10–$100Crypto The two paths are mutually exclusive forever. The referral buy must be funded by bank transfer, debit or credit card, and purchases on Coinbase Advanced or Prime do not count. Coinbase publishes no US minimum, so use the figure it shows you VerifiedJul 27, 2026 Worth it Guide Binance.USyou and your friend, flat $10 + $10Cash (USD) Not available in NY, TX and several other states, and $99.50 of trades pays $0 VerifiedJul 27, 2026 Worth it Guide Crypto.comeach side for trading, in the US. A further $25 exists but needs a separate action, so $100 is reachable and $75 is what trading alone pays up to $75CRO token Using a referral code costs your friend the separate welcome bonus, and the two cannot be combined. Stablecoins and stocks do not count toward the trading total. The $75 tier is United States only: most of Europe caps at $65 and Japan, Spain and Italy at $50. Crypto.com's own page also contradicts itself, listing tiers that add to $120 against its own stated $75 ceiling VerifiedJul 27, 2026 Worth it if Guide Krakenin crypto for both sides; up to $1,500 total if you refer friends up to $75Crypto Converting to or between stablecoins does not count as your qualifying trade; the ID country must match; a few US states excluded VerifiedJul 27, 2026 Worth it Guide Geminiin crypto of your choice for trading $100 in 30 days; the amount has fluctuated, confirm in-app $50Crypto of choice $100 must be TRADED, not just deposited, and fees apply to that trade VerifiedJul 27, 2026 Worth it Guide Upholdin bitcoin for BOTH sides, per referral, capped at 20 referrals a calendar month $20BTC Funding is not enough. The $100 in and the $100 converted are two separate conditions and the widely repeated single-step version is wrong. You must arrive by clicking the link, because joining any other way voids it even if everything else is right. Only the Americas qualify, New York is excluded and Europe entirely so. Payment is bitcoin valued at the moment it lands, up to 45 days after the month ends VerifiedJul 27, 2026 Worth it if Guide eToro USeach side in the US for a first-time $100 deposit, with no trade required. In Europe only the referrer is paid and the new user gets nothing $30Cash to eToro The widely repeated $100 trade requirement belongs to the European entity, not the US one. Five US states are ineligible (Hawaii, Minnesota, Nebraska, Nevada, New York), and the only US terms eToro publishes are dated June 2023, so check the figure in the app VerifiedJul 27, 2026 Worth it if Guide OKX (US)a personalized amount OKX shows only inside the app; OKX publishes no figure anywhere public VariesCrypto The new user must hold the required balance for 30 days within a 90-day window or OKX reclaims the reward. Treat any "$10,000 OKX bonus" headline as affiliate-blog fiction VerifiedJul 27, 2026 Think twice Guide Swan Bitcoinnothing anymore: Swan retired its referral program, and old referral links no longer work for new signups EndedNothing Bonus blogs still advertise a $10 Swan reward. Swan’s own help center says the program is retired, so that money does not exist. Swan’s homepage added a new-client line in August 2026, "No buy fee on your first $250 for new clients", which is a fee discount rather than a signup bonus VerifiedAug 15, 2026 Think twice Guide CEX.IOnothing under the standing programme. CEX.IO pays the person who shares the link a 30% revenue share of your trading fees, and pays you, the new user, nothing at all NothingUSDC fee credit The bonus is fee credit that is worthless unless you trade enough to burn it, and it expires in 14 days VerifiedJul 27, 2026 Think twice Guide Blockchain.comnothing right now. Blockchain.com states the programme is "temporarily paused for maintenance and operational improvements". When live it paid up to $70 in Zetachain (ZETA) to each side PausedZETA token Paused means nothing to earn today, and Blockchain.com gives no restart date. When it runs, eight states are excluded (HI, LA, NJ, NY, NV, TN, TX, VA), each user is capped at five successful referrals for life, and paid advertising on Blockchain.com keywords is prohibited. Note our own correction history: on Jul 25 we briefly said no programme existed at all, because their support site was blocking us and the main domain shows nothing. It was reachable again on Jul 27 and the paused notice is there VerifiedJul 27, 2026 Think twice Guide Binancea Trading Fee Rebate Voucher rather than money: up to $1,000 for the referrer, up to $1,100 across two tasks for the new user, and then the FAQ says the total face value received is subject to the actual amount received Fee voucherTrading-fee vouchers A crypto deposit or a transfer from another Binance account completes nothing, exactly $50 or exactly $100 fails, and this is not Binance.US: the global program is run by three Abu Dhabi entities off a prohibited countries list VerifiedJul 27, 2026 Think twice Guide OKX (Global)nothing you can price before you commit: OKX publishes no odds for the referral mystery boxes and no fixed reward figure on any page it owns, and its own terms send you to the app to find out what you are being offered UnconfirmedCrypto US users are expressly prohibited by OKX from using the non-US OKX entities, so this is not a US reader's offer at all. Cross-region invitations pay the inviter nothing, deposits by internal transfer, red packet, rewards or P2P sharing order do not count, unclaimed rewards expire and do not roll over, and the reward's minimum, maximum and the per-campaign invitee cap are shown only inside the app's Referral section before you join, never on the open web. The widely repeated "$10,000 mystery box" figure appears on no OKX page we could reach VerifiedAug 20, 2026 Think twice Guide

Bitcoin apps 6

Strikeof fee-free bitcoin TRADING for both sides, which is a fee waiver and not money. In the US and Europe it is $500; in every other supported country it is $100 $500 fee-freeFee waiver The headline is a trading allowance, not a payout. Fees are waived on your next $500 of trades, which is worth a few dollars, not $500. Outside the US and Europe both sides get $100 instead, a fifth as much, and the programme does not apply to users in the UK at all VerifiedJul 27, 2026 Think twice Guide Riverin BTC, tiered: $5 after your first $100 of BTC, the full $100 only after $10,000 total $5–$100BTC The realistic reward is $5; the $100 headline needs $10,000 of purchases VerifiedJul 27, 2026 Worth it if Guide Foldin bitcoin on your first Fold Card purchase (the 100 "spins" are near-worthless) $10Bitcoin You must get and spend on the Fold card, not just open an account; paid in sats, not cash VerifiedJul 27, 2026 Worth it if Guide Lollia signup amount Lolli does not publish anywhere. Worth knowing before you chase one: nothing pays out until your balance reaches $15, so a $10 bonus could not be withdrawn even if it existed UnpublishedBitcoin Paid in bitcoin, and ad-blockers can break the purchase tracking that triggers it VerifiedJul 27, 2026 Worth it if Guide Bitrefillin bitcoin for both sides, but only after the new user spends over $200 $1Bitcoin The $200 spend gate is steep for a $5 reward, and Bitrefill bans public posting of codes, which is why you will not find a working one on any deals site VerifiedJul 27, 2026 Worth it if Guide Bitcoin Depotnothing: Bitcoin Depot filed for Chapter 11 bankruptcy on May 18, 2026 and took its ATM network offline GoneNothing Bonus sites still list a $15 Bitcoin Depot reward. The company is in bankruptcy, the machines are down, and state regulators have issued consumer alerts VerifiedJul 27, 2026 Think twice Guide

Wallets, hardware and software 11

Ledgerin Bitcoin, but tiered by device: $5 on a Nano S Plus or Nano X, $10 on a Nano Gen5, and $20 only on a Flex or Stax. On the $59 Nano S Plus, "up to $20" means $5 Up to $20 in BTCBitcoin (friend's link) Some named affiliate links DO pay the buyer a $10 or $20 bitcoin voucher. Ours does not: no voucher appears on our link and our code is not on Ledger's named-affiliate list, so on this one a reader is better off with somebody else's link than ours. Ledger publishes no public terms for the programme at all. Third-party sellers can also ship tampered devices, so buy official only VerifiedJul 27, 2026 Worth it if Guide Trezora $49+ order for the new buyer (referrer gets a $20 voucher) 10% offDiscount / voucher The buyer must be a brand new customer who has never previously purchased on the Trezor Shop, a rule that sits in the terms PDF and appears nowhere on the landing page, so one old order kills the discount. The referrer reward is also a store voucher rather than cash, and it cannot be stacked with sale promos VerifiedJul 27, 2026 Worth it if Guide Tangem10% off for the buyer and 5 USDT for the referrer 30 days later, though the same 10% is handed to anyone who simply enters an email on Tangem site 10% off10% discount The referral link buys you nothing extra, because that 10% is freely available anyway. Bigger promos appear from time to time but they expire, so do not treat any of them as standing VerifiedAug 15, 2026 Worth it if Guide Keystonenothing as the buyer: Keystone runs an affiliate program that pays the promoter 10% and gives the buyer no discount NothingNothing to buyer Keystone's terms make passing commission back to you a contract breach, so anyone offering a Keystone kickback is breaking their own agreement. Its payout terms also contradict its docs site, so treat any published figure with care VerifiedJul 27, 2026 Think twice Guide Ellipalnothing as the buyer: this is a promoter-only affiliate program paying 15% base and 18% at most, despite marketing that advertises 20% NothingNothing to buyer Coupon sites claim Ellipal runs a refer-a-friend that discounts both sides. That text is templated boilerplate, word for word identical to the BitBox version with the name swapped, and Ellipal own site says nothing of the kind VerifiedJul 27, 2026 Think twice Guide BitBoxnothing as the buyer: BitBox pays promoters 12% before shipping and VAT are stripped, roughly 10% in practice, and gives the buyer no discount NothingNothing to buyer The same fake refer-a-friend boilerplate that circulates for Ellipal is posted for BitBox too. BitBox own terms also warn that ad blockers or a cleared cache break their 4-week tracking, which is ironic for a privacy-focused brand VerifiedJul 27, 2026 Think twice Guide Cypherocka real discount, but only as a first-time buyer, and Cypherock never states the size anywhere public UnpublishedDiscount Orders "once placed can't be cancelled and are non-refundable", which is a hard rule on a device costing roughly $100 to $200. Codes also work only on the Standard and Pro variants, and Cypherock own pages disagree on commission (5-30% in the terms, 5-33% on the landing page) VerifiedJul 27, 2026 Worth it if Guide KeepKeya discount through a code the affiliate creates; the size is set per affiliate and KeepKey publishes no public terms at all UnpublishedDiscount The "$4.99 off, $44.96 final" example still circulating was built on a $49.95 price. The live price is $59.95, so that figure is dead. There are no public affiliate terms to check against VerifiedJul 27, 2026 Worth it if Guide Zengonothing we can verify: Zengo’s referral page now returns a 404 and no referral or invite link appears anywhere on its live site UnconfirmedUnconfirmed eToro agreed to acquire Zengo in April 2026 and the referral page has since gone. The $10 figures still circulating come from aggregators, not from Zengo, so do not count on them VerifiedJul 27, 2026 Think twice Guide Exodusnothing: Exodus has ended its referral program EndedNothing Watch for confusion with a video game also called Exodus, which ran its own separate refer-a-friend that also ended VerifiedAug 15, 2026 Think twice Guide Trust Walletnothing: Trust Wallet runs no referral, affiliate, or invite program on its live site No programNothing The widely quoted "25 TWT" has no official source behind it. Separately, a malicious Chrome extension update in December 2025 drained about $8.5 million from roughly 2,520 wallets before Trust Wallet reimbursed users VerifiedJul 27, 2026 Think twice Guide

Cards, earn and lending 4

Nexoin NEXO Token, and the same again for your friend. But $600 needs THREE separate tasks each at $100,000: add funds, trade, and borrow. One $5,000 deposit alone pays $5 $5–$600Volatile token Nexo's own two pages disagree on when the clock starts: the referral page says the 45 days begin at registration, the binding terms say at KYC approval. Finishing a task early does not bank it, because everything is paid at the end and only if it still complies then. Yield products count for nothing, stablecoin-to-fiat trades do not count, and only the FIRST credit line withdrawal counts VerifiedJul 27, 2026 Worth it if Guide Ledna discount on the loan interest rate whose size Ledn does not publish anywhere public UnpublishedRate discount The $10, 25 USDC and $50 figures all over the web are stale 2021-22 savings-account numbers. Ledn publishes no referral terms at all: the address that used to hold them now returns a page-not-found, its own 893-page site index lists no referral terms page, and its terms of service never mention referring, rewards or discounts. Borrowing against bitcoin also carries liquidation risk if the price falls VerifiedJul 27, 2026 Think twice Guide Unchained$50 off a vault or $250 off Signature, applied automatically at checkout. It is a discount, not cash $50–$250 offDiscount This is a discount on a bitcoin custody product for larger holders, not spendable crypto. Unchained old refer-a-friend page is now a 404 and its live referral page is half-built, with placeholder text still showing VerifiedJul 27, 2026 Worth it if Guide Revolutnothing at all if you are the one signing up. Revolut states the promotion is one-sided: only the existing customer who invited you can be paid, and their amount is a random draw shown only in the app NothingCash You may be asked to order a physical card, which can carry a delivery fee and a card fee, to unlock a reward that goes to somebody else. Referring is invite-only and Revolut has to offer it to you in-app. Close the account within 14 days and the reward is clawed back. The only amounts Revolut publishes anywhere are for Brazil and Mexico VerifiedJul 27, 2026 Think twice Guide

Tax tools 4

CoinLedgera paid tax report (the referrer earns a 25% recurring commission) 10% offDiscount The reader gets a discount, not a bonus; the free tier needs no code VerifiedJul 27, 2026 Worth it if Guide CoinTrackerall plans, not just the first year. CoinTracker also offers 10% off to anyone who arrives without a referral, so the code is worth 10 points more than doing nothing, rather than 20 20% offDiscount The programme is not really CoinTracker’s. It is run by a third party called Cello, and Cello’s terms are the ones that bind. Those terms ban deal and coupon sites, which is why this page will never carry our link, and why every coupon site listing a CoinTracker code is on shaky ground VerifiedJul 27, 2026 Worth it if Guide Koinlya discount whose size Koinly genuinely does not publish. It is set per affiliate and shown only inside the affiliate panel, so no honest page can quote you a figure. The free plan needs no code at all UnpublishedDiscount Two programmes share one name and Koinly says so itself: an Affiliate Program "only for people with large followings", and a separate Refer-a-friend for normal people. Switching to the affiliate one destroys what you earned on the other, in their words credits "will be lost" and cannot be transferred. We previously published a $150 commission cap taken from a cached page; the live terms revised 1 Jan 2026 say $200 VerifiedJul 27, 2026 Worth it if Guide ZenLedgernothing as the new user, unless an individual affiliate has separately negotiated a custom coupon. The published program pays the promoter only NothingNothing to new user ZenLedger terms are dated March 2023, over three years old, and its 90-day clawback is drafted so the affiliate repays the customer full refund rather than just their commission VerifiedJul 27, 2026 Think twice Guide

Sign-up bonuses on top of ongoing cash back. The traps are payout minimums measured in earnings, schedules measured in months, and store exclusions.

Rakutencash bonus for both sides while the current promo runs; it drops back to the standard $30 after that $50Cash (PayPal/check) Amazon purchases do not count toward the $50, and the bonus rides on the quarterly payout (Feb/May/Aug/Nov 15), with balances under $5.01 rolling over VerifiedJul 27, 2026 Worth it Guide TopCashbackto the referrer once the friend earns $10 of cash back, raised from the $40 in force when we first verified this page; TopCashback does not publish the friend-side amount $50Cash, no minimum The bar is $10 of earned cash back, not $10 spent, and cash back sits pending for weeks while retailers confirm. Referrals from commercial or comparison sites are capped at $5 each, so a deals-site link is worth a fraction of a personal one VerifiedAug 20, 2026 Worth it if Guide Ibottato you as the new saver: a $5 Any Receipt offer plus a $5 reward for completing a qualifying offer, and $10 to whoever referred you. All three figures are printed in Ibotta's own referral terms $5Cash or gift cards A $20 withdrawal minimum strands a small balance, and after 180 days idle Ibotta charges $3.99 every 30 days, which can quietly eat the balance entirely. Ibotta's own help center and blog disagree on whether "Any Brand" offers count VerifiedAug 20, 2026 Think twice Guide Fetch2,000 points, instantly, for both sides; small but the easiest bonus on this page ~$2Gift cards Points redeem only for a gift card or other product Fetch offers, never cash, and expire after 90 days without a receipt VerifiedAug 20, 2026 Worth it if Guide Upsideboost for both sides on your first fill-up, plus a 10% rate boost, then 10 cents to your friend on each purchase you make over $5. There is no cash signup bonus +15¢/galCash or gift cards Upside's terms ban sharing a referral code on a website or blog, so no deals site can give you one. Cash-outs also carry a $1 fee below $10 to a bank or $15 to PayPal VerifiedJul 27, 2026 Worth it if Guide Swagbucksa signup bonus in SB points that Swagbucks sets per campaign and never publishes; 100 SB is exactly $1. The referrer also earns 10% of the friend's lifetime SB VariesGift cards/PayPal Every "300 SB" or "1,000 SB" figure online is old campaign copy, not a rule. The 10% referral stream also dies if you go inactive, and collecting referral income alone counts as inactive VerifiedJul 27, 2026 Worth it if Guide Capital One Shoppinga bonus Capital One never publishes and only offers to a limited set of users, so there is no rate to quote VariesGift cards only Rewards are gift cards and can never be redeemed for cash. Payment takes roughly 120 to 180 days in total, because the 90 days of weekly use are followed by 30 to 90 more before it lands, and the terms allow longer VerifiedAug 20, 2026 Think twice Guide Kudos$20 each side in Boost points for a Boost purchase, or $50 each side if your friend takes a Premium Annual or VIP Lifetime plan $20 or $50PayPal/Amazon Monthly Premium plans do not qualify for the $50 tier at all. On cashing out, Kudos' own pages disagree over time: the help centre now says Boost rewards redeem via PayPal or Amazon gift card with no minimum, where a 1,000-point ($10) floor used to be stated, and non-Premium members pay a $2.99 PayPal fee VerifiedAug 20, 2026 Worth it Guide Fluzin real cash for both sides, on different conditions: the new member's $5 is an account-setup bonus, and the referrer's $5 pays only once the new member spends $15 in the app; no points conversion and no cap on referrals $5Cash to bank/debit Fluz will not let you cash out until you have earned $16 in total, so a single $5 bonus is stuck until you earn $11 more VerifiedAug 20, 2026 Worth it if Guide Receipt Hogto the referrer as 250 coins; the friend gets only 5 slot spins, which carry no stated cash value $1.25PayPal/gift cards Cash-out starts at $5, so you need four referrals banked before any of it is redeemable, and in the US three consecutive months without uploading a receipt, sharing purchase data or requesting a redemption lets Receipt Hog suspend or eliminate the account entirely; Canada gets a year VerifiedAug 20, 2026 Think twice Guide

Delivery, rideshare, mobile and travel, paid mostly in credits. The traps are expiry dates, minimum-order rules, and amounts the app never publishes.

Google Fibill credit, both sides; the biggest cash-like reward in this category $60Bill credit Data-only SIMs and joining someone's group plan do not qualify, and the credit takes ~60 days to land VerifiedJul 27, 2026 Worth it Guide Visibleoff your first month of service; referrer gets $20 per activation too $20Service credit Credits apply to service only, never devices, and referrers silently stop earning past 12 banked credits VerifiedJul 27, 2026 Worth it if Guide US Mobilesignup bonus plus a 30-day free trial. The friend who refers you climbs a ladder: $25 for the first two, $75 for the third, $100 for the fourth, then $225 each up to ten a year $25Prepaid Mastercard You must port in a real number, the $100 excludes Light and Custom plans, top-ups, devices and add-ons, and nothing pays until six billing cycles are done. US Mobile also bans posting referral links on websites, forums or discount sites, so this one has to come from a friend privately VerifiedJul 27, 2026 Worth it if Guide Mint Mobilein renewal credit for you, while the friend who referred you gets $45 in renewal credit $15Renewal credit Both sides are paid in renewal credit, not cash, so it only ever comes off a future Mint bill and cannot buy a device VerifiedJul 27, 2026 Worth it if Guide Telloin Tello Dollars for both sides, though you are paid as soon as your order goes through and your friend waits $10Tello Dollars Tello Dollars only spend inside Tello, and the person who referred you does not get their $10 until you have been a customer for 3 months VerifiedJul 27, 2026 Worth it if Guide Instacartin credit, handed out across your first two orders rather than in one lump. Instacart says amounts can vary, so treat $40 as the current ceiling Up to $40Instacart credit It is credit rather than cash, it splits across two orders that each need their own $35 minimum, and the delivery must actually complete to trigger it VerifiedJul 27, 2026 Worth it Guide Uber Eatspromo credit whose amount Uber never publishes; it is set by your friend's city, not yours, and only appears in the app VariesPromo credit The reward expires 60 days after you activate it, the invitation itself dies at 90 days, and prior Uber history can disqualify you VerifiedJul 27, 2026 Worth it if Guide DoorDashaccount credit whose amount DoorDash states only inside the referrer's own account, never publicly VariesDoorDash credit Credit expires in 6 months and cannot cover gratuity or alcohol. Worse, your side is void if DoorDash has any record of your name, email, phone or card on a previous or inactive account, and it decides that at checkout VerifiedJul 27, 2026 Worth it if Guide Grubhuba discount code whose value Grubhub never states, saying only that offers under the program may vary VariesDiscount code Codes expire two weeks after delivery and the referrer waits up to four days to even receive theirs. Grubhub's referral terms are still dated July 2018, and the referral page its own terms name now redirects to the homepage VerifiedJul 27, 2026 Think twice Guide Gopuffyour first order, up to $20 (varies) ~60% offGopuff credit Referral credits expire 180 days after issue, and amounts change frequently VerifiedJul 27, 2026 Think twice Guide Lyfteach of your first few rides (market-dependent) $2–$9 offRide credit New-rider credits expire about 15 days after signup, the nastiest expiry we found anywhere VerifiedJul 27, 2026 Worth it if Guide Roverin Rover credit for both sides, plus a separate $50 gift card to the referrer for recruiting a sitter who completes a stay within 90 days $20Rover credit Rover contradicts itself on expiry: its marketing says credits never expire while its binding terms say they may. Credit also only spends on Rover, and a household that already has an account is ineligible VerifiedJul 27, 2026 Worth it if Guide TaskRabbitTaskRabbit credit toward your first task; TaskRabbit states plainly that current reward amounts can only be viewed in the app, so no figure is published VariesTaskRabbit credit The credit cannot cover tips, taxes or expense reimbursements, and referrers are capped at 50 friends or $500. TaskRabbit runs three separate programs, and the Delivery version pays the friend nothing and expires in 30 days VerifiedJul 27, 2026 Worth it if Guide Hoppera travel reward loaded into your Hopper Wallet, usually within about 48 hours; Hopper publishes no amount anywhere VariesTravel credit The reward has quietly changed shape: the page still sits at a carrot-cash URL but now promises hotel rewards. Carrot Cash itself is app-only with no cash value, cannot be part-redeemed, does not work on United flights, and expires after 6 months of non-use VerifiedJul 27, 2026 Worth it if Guide Airaloyour first travel eSIM; small, but useful right before a trip $3 offAirmoney credit Airmoney only spends on Airalo eSIMs, and the code must go in on the FIRST purchase VerifiedJul 27, 2026 Worth it if Guide Expedianothing you can still collect. The redemption period ran only to 11:59pm PST on July 31, 2026 and that date has passed. The terms also say the coupon may take up to 30 business days to arrive, about six calendar weeks, so the programme stopped being startable well before its printed deadline. Previously a coupon and not cash, on a first app-only hotel booking of $230+. A booking already made with a coupon can still be travelled: the terms set a separate travel period running to Dec 31, 2026 EndedHotel coupon App-only, hotels-only, first room only, no Vrbo, a steep $230 in one transaction before taxes, and the referrer is only paid after the friend actually completes their travel VerifiedJul 27, 2026 Think twice Guide Airbnbnothing as a guest. Airbnb states on its own invite page that the referrals program is no longer open and no new invites can be sent, and that for referrals made after Oct 1, 2020 it does not offer travel credit for referrals NothingNothing to a guest Every aggregator still quoting a flat Airbnb guest referral figure is describing a programme that stopped paying on 1 October 2020. What is live is the host referral, which pays an existing member $105 to $1,000 for a new home host, $50 for an experience host and $100 for a service host, with those amounts expiring Sep 24, 2026. It pays only that member, only on a first booking worth at least $100 for homes or $50 for experiences and services, completed within 180 days, and any cancellation by either side at any time before or after check-in voids it. Private, shared, hotel room, deactivated-and-republished and API-connected listings never qualify, bookings by the new host's family or friends never qualify, payment is capped at the first 25 referred hosts per category, and Airbnb may terminate participation at any time for any reason or no reason VerifiedJul 27, 2026 Think twice Guide

AI tools rarely pay you for signing up, and several say so in writing. So we read the other fine print: free-tier limits, usage caps, and what cancelling costs.

Replit$20 in Replit credits, which spend only on Replit usage and never convert to cash $20 in creditsReplit credits Refer from the free Starter plan and your own credits are held until you upgrade, and Core is $25 a month or $20 a month billed annually, so unlocking a $20 credit costs a free user at least $20. Replit also confirms referral credits expire and never publishes the date VerifiedJul 27, 2026 Worth it if Guide Otter.aione month of Otter Pro Lite with a 300 minute cap, a tier that does not appear as a purchasable plan on Otter's own pricing page 1 free monthFree month, 300 minutes The terms cap what a sharer can ever earn at 10,000 minutes and 12 months of Pro Lite in total, but leave each referral's actual reward to the invitation itself. Rewards expire 12 months from a redemption date that starts automatically, and Otter Business users are excluded VerifiedAug 20, 2026 Think twice Guide Murf.ainothing as a new user. The Murf affiliate FAQ says it does not offer discounts to new users, and pays a recurring 20% commission to affiliate partners for 24 months instead NothingNothing to new user The affiliate contract forbids partners from offering discounts, coupons, free trials or promo codes that Murf has not expressly authorised in writing, so any Murf promo code page is either quoting one privately authorised code or inventing it. There is also no member-get-member referral anywhere on the site, only reseller, technology partner and affiliate tracks VerifiedJul 27, 2026 Think twice Guide ElevenLabsnothing from any link; what is genuinely free is the plan every new account starts on, and an Impact Program licence if you qualify, neither of which needs a code NothingNothing to the reader There is no refer-a-friend program at all, and the affiliate program creates no reader discount. ElevenLabs' own coupons only work while you are still on the free plan and only with monthly billing selected, so subscribing first locks you out, and one failed first payment voids and spends the coupon VerifiedJul 27, 2026 Worth it if Guide Midjourneynothing at all; no referral, affiliate or coupon programme exists, verified against all 103 articles in Midjourney's own help centre NothingNothing to new users Refunds stop for good after 20 GPU minutes of lifetime use with no proration, and the perpetual, sublicensable licence you grant over your prompts and images survives cancelling the account VerifiedJul 27, 2026 Worth it if Guide Claudenothing; no referral reward, no affiliate program, no discount code NothingNothing Paid plans auto-renew for a term equal to the last one and must be cancelled at least 24 hours before it ends; all payments are non-refundable, and annual Pro is $200 up front VerifiedJul 27, 2026 Worth it Guide

Software pays publishers well and pays you nothing, which is why the web is full of coupon pages for codes that never existed. We say when there is no discount.

systeme.ionothing extra as the buyer: the "2 months free" advertised to affiliates is systeme.io's ordinary annual billing discount, printed on its own pricing page for every visitor with or without a link NothingNothing to buyer Buying a year to lock in a "discount" that is only the billing toggle, when systeme.io's own terms state plainly that subscription plans are not refundable VerifiedJul 27, 2026 Worth it if Guide HubSpotnothing; no discount, credit or extended trial for the person who clicks appears anywhere in HubSpot's affiliate landing page, program policies or affiliate agreement, and the agreement bars affiliates from inventing one NothingNothing to the reader The coupon and deal-site ban third parties attribute to HubSpot is not in HubSpot's own terms; we searched both governing documents in full, twice, and found zero occurrences. There is still no code for you, because HubSpot issues none and its agreement forbids affiliates from "offering incentives to encourage purchases or signups". For a publisher, the killer is invisible: commission is paid only for a new customer "who is not in an active sales process with us at the time of the affiliate link click", and neither side can see that status VerifiedJul 27, 2026 Worth it if Guide Surfer SEOnothing as the buyer. Surfer publishes no code, no coupon and no extended trial, and its affiliate contract forbids a partner from creating one. Every plan already shows "Start for Free" to every visitor NothingNothing to the buyer The affiliate programme's advertised 125% needs 51 or more referred paying customers: it is 75% through the first ten and 100% from 11 to 50, one-time on the customer's first payment only, and a month in which more than 55% of your referrals cancel pays nothing at all VerifiedAug 20, 2026 Think twice Guide Kinstanothing as a new customer, and Kinsta publishes that it has no coupon codes or deals available for potential clients No couponNothing to the new customer Every page waving a Kinsta coupon at you is waving a tracking link. Kinsta's own terms ban partners from placing links on coupon websites and from calling any ongoing Kinsta discount a coupon, deal or seasonal discount, and its customer referral program pays existing customers $10 or $50 in Kinsta credits while paying the new customer nothing at all VerifiedJul 27, 2026 Think twice Guide Semrushnothing. Semrush's own affiliate FAQ answers "Can I get an exclusive discount?" with "Currently, we do not offer exclusive discounts for affiliates", and says a partner may promote only "Semrush's standard pricing and any ongoing promotions available to all customers" NothingNothing to the reader Semrush refuses a site like this one three ways over: it "generally does not approve" applications from "Coupons, cashback, deals websites, or generator websites", it wants "a minimum of 1,000 unique visitors in monthly traffic", and it tells recently launched sites to "consider applying later". Its rules also prohibit "misrepresenting a free trial as a coupon or discount, and references to non-existing discounts", so any page selling you a Semrush coupon is breaking the agreement it signed. Attribution then dies invisibly on the publisher side: a reader who declines the cookie banner, or who already had a Semrush account, "would not be attributed" to anyone at all VerifiedJul 27, 2026 Think twice Guide Hostingerup to 20% off a first purchase, but only through the personal referral link of a Hostinger customer you actually know. Hostinger's referral agreement bars commercial websites, blogs and YouTube from publishing that link, so no site can hand it to you Up to 20% offA discount at checkout Two programs share one name. The affiliate program pays publishers up to 40% and gives the buyer nothing, which is why every "Hostinger coupon" page exists; the referral program is the only one that discounts your price and its terms confine the link to personal social media. On the referrer's side the money is fragile: no commission on renewals, upgrades or cross-sells, the account is cancelled after 6 months with no active referral, unwithdrawn commissions vanish after 2 years, PayPal pays out only at 50 USD, and Hostinger can cancel a reward "earned improperly for any other reason" VerifiedAug 20, 2026 Think twice Guide NordVPNa real discount code that a creator's sponsorship link applies at Nord Checkout for you, plus a month of service free if you refer a friend and an additional discount for students and apprentices aged 18 to 26; NordVPN publishes the size of none of them on any page we can reach UnpublishedA checkout discount, not cash The 30-day money-back guarantee "applies only to your initial subscription purchase" and dies the moment the subscription auto-renews, at a renewal price that is "subject to change". Buy through the Apple App Store and NordVPN says it is "unable to issue refunds" at all; retailer and marketplace purchases (Best Buy, StackSocial) send you back to the seller, and every affiliate figure lives on a page NordVPN keeps behind a bot check VerifiedJul 27, 2026 Worth it if Guide NachoNachoa real cashback rebate on business software, set by each vendor rather than by NachoNacho, paid as money weeks after you have already paid full list price Varies by vendorCash, to a US bank account NachoNacho publishes its own list of ways you will not qualify, and the first is "You clicked on another affiliate link prior to NachoNacho's link in the last 90 days", so ordinary research on review sites can spend your eligibility before you start. Starting a free trial first voids it too. You are told to wait 45 days before chasing a missing rebate, while some vendors only allow investigations within 30 days of purchase, and cashback cannot be withdrawn below $50 or without a US bank account VerifiedJul 27, 2026 Worth it if Guide

Meal kits, health, learning and wellness. The discounts here are real, and so are the traps: auto-renewal, and rules that punish whoever shared the code rather than you.