Last updated: July 2026
If you’re looking for the best sign-up bonuses available right now, you’re in the right place. This page covers every active referral bonus and promo code I personally recommend — across cash back shopping portals, brokerage accounts, bank accounts, travel apps, and food delivery services — updated every month.
One thing that makes this list different: every commission I earn from your sign-up goes directly into Kiva.org microloans for small business owners in developing countries. You get the same bonus you’d get anywhere. The commission that would normally just go into my pocket goes toward funding entrepreneurs instead. So far that’s added up to $11,775 in loans across 21 countries.
Jump to a category:
🛒 Cash Back & Shopping
Capital One Shopping — $80 bonus ⭐ Best no-purchase bonus
The easiest bonus on this page. Install the free browser extension, use it for 90 days at any online store, and earn $80 in shopping rewards. No purchase minimum, no credit check.
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Rakuten — $50 when you spend $50 ⭐ Best overall cash back portal
The most popular cash back portal for a reason. Shop through Rakuten at 3,500+ stores and earn cash back on every purchase. New members get $50 back after spending their first $50.
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TopCashBack — $15 cash back
Frequently beats Rakuten on rates at specific retailers. Worth having both. Earn $15 when you join and make your first cash back transaction.
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Extrabux — $20 cash bonus
$20 welcome bonus on sign-up. Works at 5,000+ stores with built-in coupons stacked on top of cash back.
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RebatesMe — $30 bonus
Earn $30 after making your first $10 in cash back. One of the best bonus-to-requirement ratios on this list. Code: XOU7KT
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Mr. Rebates — Up to $5 sign-up bonus
One I’ve personally used for over ten years. Solid, reliable, pays out consistently.
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BeFrugal — $10 welcome bonus
$10 free on join, 5,000+ stores, coupon stacking included.
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Swagbucks — $10 bonus
Cash back plus surveys and gift cards. Good complement to Rakuten.
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MyPoints — Bonus on first 30 days
Earn 300+ points in your first 30 days and qualify for a welcome bonus.
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Savewise — Current bonus on link
Newer rewards aggregator — check the link for current welcome offer.
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→ See the full Cash Back post for more detail and pro tips
📈 Investing & Brokerage
Moomoo — Up to $1,000 in NVDA stock ⭐ Best brokerage right now
Open an account with a qualifying deposit and earn up to $1,000 in NVDA stock, an 8.1% APY boost for 2 months, and free Level 2 real-time market data for 30 days. Code: WHZGT3UM
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Robinhood — Up to $200 in stock
No minimum deposit for the base offer. Everyone who opens an account and links a bank account gets fractional shares valued $5–$200.
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Tastytrade — $100 cash bonus
Fund your account with $2,000+ within 60 days and receive $100 cash. Best platform for options traders. Code: KZMVCHAEV6
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eToro — $30 bonus
Deposit $100+ and get $30. Social trading platform — copy experienced investors or build your own mix of stocks, ETFs, and crypto.
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Webull — $20 in fractional shares
Open an account and receive $20 in fractional shares plus 1 month premium membership. Verify offer is still active before signing up.
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→ See the full Investing post for more detail
🏦 Banking & Cards
Capital One 360 Checking — $300 bonus ⭐ Best bank account bonus
Open a new account and complete qualifying activities. No monthly fees, no minimum balance.
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Chime — $100 bonus
Make a first direct deposit of $200+ and get $100. Great fee-free bank with early direct deposit.
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Chase Freedom Unlimited — $200 bonus
Spend $500 in first 3 months, get $200 cash back. Best flat-rate no-annual-fee card.
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Capital One Venture X — 75,000 miles ($750 in travel)
Spend $4,000 in first 3 months, earn 75,000 miles worth $750 toward travel.
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Capital One Spark Cash (Business) — $750 bonus
Spend $6,000 in first 3 months, earn $750 cash. Best simple flat-rate business card.
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Amex Platinum — Bonus points (verify current offer)
Welcome offer changes frequently — check the link for current terms before applying.
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Venmo — $5 bonus
Join and send your first payment. Five dollars free.
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CashApp — $10 bonus
Create an account with code LZSWJFX and send money within 14 days.
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Wise — Free international transfer up to $600
Best exchange rates of any money transfer service. First transfer up to $600 is free.
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→ See the full Banking post for more detail
✈️ Travel & Lifestyle
Kindred — 5 free nights
Members-only home-swapping network. Get 5 free nights before you need to host a single guest. Code: sha.org
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Airbnb — Host bonus (~$100)
Sign up to host and earn ~$100 once a referred guest completes a $100+ booking.
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Rove — 500 miles instantly
Universal travel points platform. Get 500 miles just for signing up, no purchase needed.
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Lyft — 50% off first ride
New users get 50% off their first ride. Code: SHAWN974802
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Uber — $25 off first 2 rides
New users get $25 off across their first two rides.
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Visible — $20 off
Verizon-network MVNO. Get $20 off a service payment. Code: 39mrRc
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Xfinity — $50 bonus
Sign up for Xfinity Mobile or Internet and get $50.
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→ See the full Travel post for more detail
🍕 Food & Delivery
Uber Eats — $20 off first order
Code: eats-6bccu
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Grubhub — $10 off first order
No minimum required.
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DoorDash — $4 off first order
Widest restaurant selection in most markets.
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Instacart — $10 credit
$10 toward your first grocery delivery. Code: SOO15E69
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InKind — $25 off $50+ meal ⭐ Most interesting pick
Pre-payment dining app — buy restaurant credit at a discount at participating local restaurants. Get $25 off your first $50+ meal.
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Last Bottle Wines — $10 off first bottle
Daily deeply discounted wine deals, one bottle at a time.
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TooGoodToGo — $2 sign-up bonus
Buy surplus food from restaurants at 50–80% off. Reduces food waste. Get $2 to start.
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Aisle — $5 cash back
Grocery cash back app. Sign up, redeem an offer in-store, we both get $5.
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→ See the full Food & Delivery post for more detail
Why this list is different
Most sign-up bonus sites exist purely to generate affiliate revenue. This one does too — I won’t pretend otherwise. The difference is what happens to that revenue: every dollar goes to Kiva.org microloans for entrepreneurs in developing countries. Since starting Refer for Good, I’ve funded $11,775 in microloans across 21 countries.
Read more about our impact →
All bonuses verified July 2026. Amounts and availability change — always verify terms on the destination site. Broken link? Let me know.
