8 Best Personal Finance App Referral Programs

Mar 09 — 4 mins read

When it comes to personal finance, there are plenty of services available that you can use to great benefit. These services can help you save money whenever you spend it and give you rewards that can add up over time. 

In this article, we’re going to talk about some of the best apps to help you save and make money. While there are many options out there, we’ll be focusing on the ones that have rewarding refer-a-friend programs so that you can not only benefit from what they provide, but you can also be rewarded for sharing them with others. Let’s break down three of these services and begin with the first one.


Our favorite cash-back services


Most cash-back programs work similarly to one another in that when you use one when making a purchase from a partner brand, you get a certain amount of money back.


  1. Dosh: Dosh is a wonderful cash-back app that provides plenty of other benefits. You simply connect a credit or debit card to your Dosh account, use that card with any of over a thousand partner businesses, and get up to ten percent of your purchase back. The Dosh referral program provides new users $5 when signing up and existing users $5 when referring friends. 
  2. Ibotta: Check out Ibotta, another cash-back app that features over 1,500 partner merchants. You can also use the Pay with Ibotta feature to transact in-store, while also receiving cash-back with every purchase. The Ibotta referral program gets you $10 for each person who signs up using your code! 
  3. Rakuten: Rakuten provides users with up to 45 percent cash-back at over 2,500 stores. It’s a great service with an amazing website complete with hot deals and an extensive catalog. They pay cashback quarterly through PayPal or a check in the mail. Check out the Rakuten referral program for $25 cashback when a friend signs up with your code!


The best points and rewards programs


Many individual brands provide their own loyalty programs, but in this section, we’ll be focusing on third-party services that partner with a wide range of businesses to offer you tons of awesome deals in one handy service.

  1. Fetch Rewards: Fetch Rewards is partnered with thousands of supermarket brands to allow you to earn points whenever you buy their products. You simply scan receipts with the app, and a corresponding number of points is credited to you. You can then use these points in exchange for gift cards and other promos. You can claim $3 alongside 2,000 bonus points when a friend signs up with your code with the Fetch Rewards program
  2. Swagbucks: A slightly different approach to points can be found with Swagbucks. With the app, you can earn points by purchasing products from partner brands, but also by answering surveys, watching videos, and searching the Internet. Those points can then be exchanged for gift cards from popular retailers or converted them to cash. The Swagbucks referral program will allow you to earn 10% of what your friends make along with $10 when they sign up! 
  3. Drop: Drop also makes a few modifications to the typical points-rewards programs. You still earn by shopping at partner businesses, but you can redeem your points from a wide range of merchants as well. This means Drop points can be as good as cash in some places. Get a $10 referral bonus when a friend signs up using your code with the Drop referral program


Our top investing and trading platforms


Take advantage of these services so that not only are you saving on your purchases, but also generating a bit of extra income on the side. 

  1. Robinhood: Robinhood is a great service that beginners to the stock market can use in order to learn how to invest. The platform is based on “fractional” shares, which means that you can invest in stocks with as little as $1. Check out the Robinhood referral program to see how you can get free stock with a $2.50 to $250 valuation along with a $25 referral bonus!
  2. Coinbase: If you’re into cryptocurrency or want to learn more about it, then try out Coinbase. It’s a market for Bitcoin, Ethereum, and other cryptocurrencies where users can easily buy and trade online. With the Coinbase referral program, you can get a $10 new investor bonus as well as codes for OXT, XLM, EOS, and Orchid!


Wrapping up

Apart from the referral bonuses we highlighted, all of these services provide awesome bonuses for you upon registration. 

If you’re looking for referral codes for any of the aforementioned services, download the Chums app! We are a platform that makes it possible for users to exchange referral codes from a wide variety of businesses. Not only can you save, but also earn!



cash-back budget personal finance investing money
Read this next

How to Refer Friends & Earn Money - Our Guide to Passive Income

How to Refer Friends & Earn Money - Our Guide to Passive Income

You might enjoy

5 Easy Ways To Make & Save Money With Your Phone

5 Easy Ways To Make & Save Money With Your Phone

Discover. Recommend. Get Rewarded.