We’re different from other referral sites: we don’t keep the commission — every dollar earned through these links funds Kiva microloans for entrepreneurs around the world. [Advertiser Disclosure]
Last updated: October 26, 2026
Each card shows the date it was last verified.
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.
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Banking & Cards: Personal · Bank accounts · Credit cards · Payment apps · Business · Business cards
🛒 Cash Back & Shopping
Ends December 31, 2026
Rakuten
$50
WHAT YOU DO Shop through Rakuten at 3,500+ stores and spend $50.
TIME TO BONUSWithin 90 days of joining
VERIFIEDOctober 26, 2026
See offer on Rakuten’s siteTips
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 within 90 days of joining.
Ends December 31, 2026
TopCashback
$20 cash back
WHAT YOU DO Join and earn $10 in cash back.
See offer on TopCashback’s siteTips
Frequently beats Rakuten on rates at specific retailers. Worth having both. Earn $20 when you join and earn $10 in cash back.
RebatesMe
$30 bonus
WHAT YOU DO Make your first $10 in cash back. Code: XOU7KT.
See offer on RebatesMe’s siteTips
Earn $30 after making your first $10 in cash back. One of the best bonus-to-requirement ratios on this list. Code: XOU7KT.
Varies
Mr. Rebates
Up to $5 sign-up bonus
WHAT YOU DO Sign up for Mr. Rebates.
See offer on Mr. Rebates’s siteTips
One I’ve personally used for over ten years. Solid, reliable, pays out consistently.
BeFrugal
$10 welcome bonus
WHAT YOU DO Join BeFrugal and shop at 5,000+ stores.
See offer on BeFrugal’s siteTips
$10 free on join, 5,000+ stores, coupon stacking included.
Swagbucks
$10 bonus
WHAT YOU DO Join Swagbucks for cash back, surveys and gift cards.
See offer on Swagbucks’s siteTips
Cash back plus surveys and gift cards. Good complement to Rakuten.
Varies
MyPoints
Bonus on first 30 days
WHAT YOU DO Earn 300+ points in your first 30 days.
TIME TO BONUSFirst 30 days
VERIFIEDNovember 2026
See offer on MyPoints’s siteTips
Earn 300+ points in your first 30 days and qualify for a welcome bonus.
Varies
Savewise
Current bonus on link
WHAT YOU DO Check the link for the current welcome offer.
See offer on Savewise’s siteTips
Newer rewards aggregator — check the link for current welcome offer.
→ See the full Cash Back post for more detail and pro tips
📈 Investing & Brokerage
VariesEnds December 31, 2026
Moomoo
Up to $1,000 in NVDA stock
WHAT YOU DO Open an account with a qualifying deposit. Code: WHZGT3UM.
See offer on Moomoo’s siteTips
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.
Varies
Robinhood
Up to $200 in stock
WHAT YOU DO Open an account and link a bank account.
See offer on Robinhood’s siteTips
No minimum deposit for the base offer. Everyone who opens an account and links a bank account gets fractional shares valued $5–$200.
Ends November 30, 2026
Tastytrade
$100 cash bonus
WHAT YOU DO Fund your account with $1,000 or more. Code: KZMVCHAEV6.
TIME TO BONUSWithin 60 days
VERIFIEDNovember 2026
See offer on Tastytrade’s siteTips
Fund your account with $1,000+ within 60 days and receive $100 cash. Best platform for options traders. Code: KZMVCHAEV6.
Varies
eToro
Up to $300 in crypto
WHAT YOU DO Make your first deposit.
See offer on eToro’s siteTips
Make your first deposit and claim up to $300 in crypto. Social trading platform — copy experienced investors or build your own mix of stocks, ETFs, and crypto.
Varies
Groundfloor
Referral bonus
WHAT YOU DO Sign up with a referral link and invest in fractional real-estate loans.
See offer on Groundfloor’s siteTips
Real-estate investing app — invest in fractional real-estate loans. Sign up with a referral link to earn a bonus.
Recently ended
Webull
10 free fractional shares (ended October 14, 2026)
WHAT YOU DO This referral campaign ended October 14, 2026 — the bonus is no longer available.
Tips
This referral campaign ended October 14, 2026 — the bonus is no longer available.
→ See the full Investing post for more detail
🏦 Banking & Cards
Personal
Bank accounts
Best bank bonus
Capital One 360 Checking
$300 bonus
WHAT YOU DO Open a new account and make at least 2 qualifying direct deposits of $500 or more.
TIME TO BONUSWithin 75 days of account opening
ANNUAL FEENo monthly fees, no minimum balance
VERIFIEDOctober 26, 2026
See offer on Capital One’s siteTips
Open a new account and make at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. No monthly fees, no minimum balance.
Chime
$100 bonus
WHAT YOU DO Make a first direct deposit of $200 or more.
See offer on Chime’s siteTips
Make a first direct deposit of $200+ and get $100. Great fee-free bank with early direct deposit.
Credit cards
Varies
Amex Platinum
Up to 175,000 Membership Rewards points
WHAT YOU DO Spend $12,000 in purchases in the first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for the maximum offer.
TIME TO BONUSFirst 6 months of Card Membership
VERIFIEDOctober 26, 2026
See offer on American Express’s siteTips
Welcome offer changes frequently — check the link for current terms before applying. Welcome offers vary, and you may not be eligible for the maximum offer.
Best no-fee card
Chase Freedom Flex
$250
WHAT YOU DO Spend $500 on purchases.
TIME TO BONUS First 3 months from account opening.
ANNUAL FEE $0
VERIFIED October 26, 2026
See offer on Chase’s siteTips
To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on October 26, 2026; no end date shown. Flex is a strong pick if you want the highest cash bonus for that $500 spend, with no annual fee.
Chase Freedom Unlimited
$200
WHAT YOU DO Spend $500 on purchases.
TIME TO BONUS First 3 months from account opening.
ANNUAL FEE $0
VERIFIED September 24, 2026
See offer on Chase’s siteTips
To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on September 24, 2026; no end date shown. Unlimited also earns 1.5% flat cash back on everything with no annual fee — a solid everyday card for anyone who wants simplicity over category optimization. Spend $500 in first 3 months, get $200 cash back. Best flat-rate no-annual-fee card.
Chase Freedom Slate
0% intro APR for 21 months
WHAT YOU DO 0% intro APR on purchases and balance transfers — there is no cash welcome bonus.
TIME TO BONUS 21 months from account opening.
VERIFIED November 2026
See offer on Chase’s siteTips
To qualify, you must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Offer verified live on September 24, 2026; no end date shown. Slate is a good fit if you want to pay down a balance interest-free.
One referral link covers all three cards.
Best travel card
Capital One Venture X
75,000 miles ($750 in travel)
WHAT YOU DO Spend $4,000.
TIME TO BONUSFirst 3 months
ANNUAL FEE$395
VERIFIEDOctober 26, 2026
See offer on Capital One’s siteTips
Spend $4,000 in first 3 months, earn 75,000 miles worth $750 toward travel.
Ends November 4, 2026
Delta SkyMiles Gold American Express
Up to 80,000 bonus miles
WHAT YOU DO Spend $3,000 in purchases, plus a $250 statement credit once you meet the same spend requirement.
TIME TO BONUSFirst 6 months
ANNUAL FEE$0 intro first year, then $150
VERIFIEDOctober 26, 2026
See offer on American Express’s siteTips
As high as 80,000 bonus miles after you spend $3,000 in purchases in the first 6 months. Limited-time offer ends 11/4/2026, plus a $250 statement credit once you meet the same spend requirement.
Varies
United cards
Gateway — up to 50,000 miles (40,000 + 10,000 AU); Explorer — up to 80,000 miles (70,000 + 10,000 AU); Quest — up to 90,000 miles + 500 PQP (80,000 + 10,000 AU); Club — up to 100,000 miles (90,000 + 10,000 AU)
WHAT YOU DO Gateway: spend $1,000 in purchases and add an authorized user. Explorer: spend $3,000 in purchases and add an authorized user. Quest: spend $4,000 in purchases and add an authorized user, plus 500 Premier Qualifying Points. Club: spend $5,000 in purchases and add an authorized user.
TIME TO BONUS First 3 months
ANNUAL FEE Gateway — $0; Explorer — $0 intro annual fee for the first year, then $150; Quest — $350; Club — $695
VERIFIED October 26, 2026
See offer on Chase’s siteTips
One referral link covers all United MileagePlus cards — compare and choose on Chase’s page. Offer verified October 26, 2026; no end date shown. You must not currently hold this card and must not have received its new-cardmember bonus in the past 24 months. Gateway: earn up to 50,000 bonus miles: 40,000 miles after $1,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. No annual fee. Explorer: earn up to 80,000 bonus miles: 70,000 miles after $3,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. $0 intro annual fee for the first year, then $150. Quest: earn up to 90,000 bonus miles plus 500 Premier Qualifying Points: 80,000 miles after $4,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months, plus 500 Premier Qualifying Points. $350 annual fee. Club: earn up to 100,000 bonus miles: 90,000 miles after $5,000 in purchases in the first 3 months, plus 10,000 more for adding an authorized user in the first 3 months. $695 annual fee.
Payment apps
Venmo
$5 bonus
WHAT YOU DO Join and send your first payment.
See offer on Venmo’s siteTips
Join and send your first payment. Five dollars free.
Cash App
$10 bonus
WHAT YOU DO Create an account with code LZSWJFX and send money.
TIME TO BONUSWithin 14 days
VERIFIEDNovember 2026
See offer on Cash App’s siteTips
Create an account with code LZSWJFX and send money within 14 days.
PayPal
1,000 Rewards points
WHAT YOU DO Sign up for PayPal, link a bank account or card, and spend at least $5.
TIME TO BONUSWithin 30 days of signup
VERIFIEDNovember 2026
See offer on PayPal’s siteTips
Sign up for PayPal, link a bank account or card, and spend at least $5 within 30 days of signup — and earn 1,000 Rewards points.
Business
Business cards
Best business pick
Chase Ink Preferred — for business owners only
100,000 points
WHAT YOU DO Spend $8,000 on purchases.
TIME TO BONUSFirst 3 months
ANNUAL FEE$95
VERIFIEDSeptember 24, 2026
See offer on Chase’s siteTips
Earn 100,000 bonus points after spending $8,000 in the first 3 months. $95 annual fee. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.
Capital One Spark Cash (Business)
$750 bonus
WHAT YOU DO Spend $6,000.
TIME TO BONUSFirst 3 months
VERIFIEDOctober 26, 2026
See offer on Capital One’s siteTips
Spend $6,000 in first 3 months, earn $750 cash. Best simple flat-rate business card. One referral link covers both Spark cards.
Capital One Spark VentureOne Business
50,000 miles ($500 travel)
WHAT YOU DO Spend $4,500.
TIME TO BONUS3 months
VERIFIEDNovember 2026
See offer on Capital One’s siteTips
Earn 50,000 miles after spending $4,500 in 3 months — worth $500 toward travel. A better fit if your business spending is lower, or if you prefer travel rewards over cash back. One referral link covers both Spark cards.
Chase Ink Business Unlimited
$750 bonus cash back
WHAT YOU DO Spend $6,000.
TIME TO BONUSFirst 3 months
ANNUAL FEENo annual fee
VERIFIEDSeptember 24, 2026
See offer on Chase’s siteTips
Earn $750 bonus cash back after spending $6,000 in the first 3 months. No annual fee. Unlimited 1.5% cash back on every purchase. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.
Chase Ink Business Cash
$750 bonus cash back
WHAT YOU DO Spend $6,000.
TIME TO BONUSFirst 3 months
ANNUAL FEENo annual fee
VERIFIEDSeptember 24, 2026
See offer on Chase’s siteTips
Earn $750 bonus cash back after spending $6,000 in the first 3 months. No annual fee. Up to 5% cash back on business essentials. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.
Chase Ink Business Premier
$1,000 bonus cash back
WHAT YOU DO Spend $10,000.
TIME TO BONUSFirst 3 months
ANNUAL FEE$195
VERIFIEDSeptember 24, 2026
See offer on Chase’s siteTips
Earn $1,000 bonus cash back after spending $10,000 in the first 3 months. $195 annual fee. 2.5% cash back on large purchases. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.
Chase Sapphire Reserve for Business
200,000 bonus points
WHAT YOU DO Spend $30,000.
TIME TO BONUSFirst 6 months
ANNUAL FEE$795
VERIFIEDSeptember 24, 2026
See offer on Chase’s siteTips
Earn 200,000 bonus points after spending $30,000 in the first 6 months. $795 annual fee. Premium travel rewards. Verified 2026-09-24; no end date shown. One referral link covers all five Chase business cards — compare and choose on Chase’s page.
→ See the full Banking post for more detail
✈️ Travel & Lifestyle
Kindred
5 free nights
WHAT YOU DO Join the members-only home-swapping network. Code: sha.org.
See offer on Kindred’s siteTips
Members-only home-swapping network. Get 5 free nights before you need to host a single guest. Code: sha.org.
Airbnb
Host bonus (~$100)
WHAT YOU DO Sign up to host and earn ~$100 once a referred guest completes a $100+ booking.
See offer on Airbnb’s siteTips
Sign up to host and earn ~$100 once a referred guest completes a $100+ booking.
Rove
500 miles instantly
WHAT YOU DO Sign up for Rove — no purchase needed.
See offer on Rove’s siteTips
Universal travel points platform. Get 500 miles just for signing up, no purchase needed.
Lyft
50% off first ride
WHAT YOU DO Sign up as a new user. Code: SHAWN974802.
See offer on Lyft’s siteTips
New users get 50% off their first ride. Code: SHAWN974802.
Uber
$25 off first 2 rides
WHAT YOU DO Sign up as a new user.
See offer on Uber’s siteTips
New users get $25 off across their first two rides.
Visible
$20 off
WHAT YOU DO Sign up for Visible and get $20 off a service payment. Code: 39mrRc.
See offer on Visible’s siteTips
Verizon-network MVNO. Get $20 off a service payment. Code: 39mrRc.
Xfinity
$50 bonus
WHAT YOU DO Sign up for Xfinity Mobile or Internet.
See offer on Xfinity’s siteTips
Sign up for Xfinity Mobile or Internet and get $50.
HomeExchange
250 GuestPoints
WHAT YOU DO Join with this link and get 250 GuestPoints to use toward stays.
See offer on HomeExchange’s siteTips
Swap homes with members around the world. Join with this link and get 250 GuestPoints to use toward stays.
→ See the full Travel post for more detail
🍕 Food & Delivery
Uber Eats
$20 off first order
WHAT YOU DO Use code eats-6bccu on your first order.
See offer on Uber Eats’s siteTips
Code: eats-6bccu. $20 off your first order.
Instacart
$10 credit
WHAT YOU DO Get $10 toward your first grocery delivery. Code: SOO1BD1A.
See offer on Instacart’s siteTips
$10 toward your first grocery delivery. Code: SOO1BD1A.
InKind
$25 off $50+ meal
WHAT YOU DO Buy restaurant credit at a discount and get $25 off your first $50+ meal.
See offer on InKind’s siteTips
Pre-payment dining app — buy restaurant credit at a discount at participating local restaurants. Get $25 off your first $50+ meal.
TooGoodToGo
$2 sign-up bonus
WHAT YOU DO Buy surplus food from restaurants at 50–80% off and get $2 to start.
See offer on TooGoodToGo’s siteTips
Buy surplus food from restaurants at 50–80% off. Reduces food waste. Get $2 to start.
Aisle
$5 cash back
WHAT YOU DO Sign up, redeem an offer in-store, and get $5.
See offer on Aisle’s siteTips
Grocery cash back app. Sign up, redeem an offer in-store, you get $5.
Varies
HelloFresh
Free box
WHAT YOU DO Sign up for HelloFresh.
See offer on HelloFresh’s siteTips
Get a free box of fresh, pre-portioned meal kits delivered to your door.
→ See the full Food & Delivery post for more detail
🎁 More Bonuses
Muse
1B free tokens
WHAT YOU DO Enter referral code 45UQQG when you join.
TIME TO BONUSWithin 48 hours of joining
VERIFIEDNovember 2026
See offer on Muse’s siteTips
Get 1B free tokens when you enter referral code 45UQQG within 48 hours of joining.
Join the newsletter for bonuses ending in the next 14 days. New bonuses, when they are worth it. No spam, no fluff. Join the newsletter
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 →
Amounts and availability change — always verify terms on the destination site. Broken link? Let me know.