Referral Program Matcher
Scanning 53 referral programs to work out which one suits you is slow. Answer five questions instead. This matcher ranks the best referral programs to make money for how you want to be paid, how hard a referral can be to close, who you will send the link to, and what your friend should not have to do.
Every number on a result card is the referral term RefPerks last verified for that program. Where a provider has not published a payout amount, a cap, or a qualifying action, the card says so instead of showing a guess. Referral programs that pay cash sit alongside ones paying credit, free stock, crypto, and free months, so you can see what the trade is before you share anything.
Find your referral program match
Leave a question on its default answer to ignore it. The shortlist updates as you go, and the ranking is the same for anyone who gives the same answers.
Showing your top 8 of 53 referral programs
1. American Express Gold Card referral program
15,000 Membership Rewards points- Payout type
- Points
- Published payout
- $150–$450 per referral
- What your friend must do
- Must be approved for the American Express Gold Card and meet the minimum spending requirement (typically $6,000 in 6 months).
- Referral cap
- until you hit the 100,000-point yearly cap
- Effort to convert
- Medium effort
2. Moomoo referral program
~$100 in stock per friend- Payout type
- Free stock
- Published payout
- $100–$350 per referral
- What your friend must do
- Must open a new Moomoo account and complete a minimum net deposit (recent promotions require $500) during the promotion period. Invitee must be a new US resident who has not previously opened a Moomoo brokerage account.
- Referral cap
- 10 referrals
- Effort to convert
- Low effort
3. Webull referral program
Free stocks (varies by promotion)- Payout type
- Free stock
- Published payout
- $6–$300 per referral
- What your friend must do
- Must open a new Webull account and make a qualifying deposit (recent promotions require $500 or more, with larger deposits unlocking bigger rewards). Funds typically must be held for a set period before rewards are released.
- Referral cap
- 10 referrals
- Effort to convert
- Low effort
4. Robinhood referral program
1 free stock- Payout type
- Free stock
- Published payout
- $5–$200 per referral
- What your friend must do
- Must create a new Robinhood account and link a bank account. No deposit required.
- Referral cap
- unlimited referrals (capped at $1,500 in stock rewards per year)
- Effort to convert
- Low effort
5. Interactive Brokers referral program
$200- Payout type
- Cash
- Published payout
- $200 per referral
- What your friend must do
- Must open a new Interactive Brokers account through your referral link and meet the program's funding and activity conditions. Review the official Refer a Friend program terms for the current requirements.
- Referral cap
- 15 referrals per year (30 lifetime)
- Effort to convert
- High effort
6. Airbnb referral program
~$200 cash per host- Payout type
- Cash
- Published payout
- $100–$200 per referral
- What your friend must do
- Must be a brand-new Airbnb host who signs up via your referral link, publishes an eligible listing, and completes a first qualifying booking within 180 days of creating the listing. Airbnb's terms set a minimum booking value of $100 for homes and $50 for experiences and services. Exact reward amounts and qualifying windows are set on the referral dashboard and change with each promotion.
- Referral cap
- 25 hosts per type
- Effort to convert
- High effort
7. Chase Sapphire Preferred referral program
15,000 Ultimate Rewards points- Payout type
- Points
- Published payout
- $150–$190 per referral
- What your friend must do
- Must be approved for the Chase Sapphire Preferred and spend $5,000 on purchases in the first 3 months.
- Referral cap
- ~7/year (100,000-point cap)
- Effort to convert
- Medium effort
8. MasterClass referral program
Free membership to gift- Payout type
- Gift card
- Published payout
- $60–$120 per referral
- What your friend must do
- Must be a new MasterClass user. Friend receives a gift membership.
- Referral cap
- varies by promotion
- Effort to convert
- Medium effort
These are referral-program terms as last verified by RefPerks — not financial, tax, or betting advice, and not a guarantee of payout. Providers change reward amounts, caps, and eligibility without notice, so confirm the current terms with the provider before sharing your link. RefPerks may earn a commission when you sign up through links on this site, at no extra cost to you.
How the matcher ranks referral programs
The scoring is simple enough to check by hand. Each answer adds points to the programs that fit it, and the programs with the most points come out on top.
- Earning goal scores the published referral amount, an uncapped referral limit, a recurring commission, or a fast and easy payout, depending on which goal you pick.
- Payout type scores programs that pay in the form you chose. Programs paying mixed rewards score partially.
- Audience scores the categories that audience signs up for, so friends and family surface everyday apps while followers surface investing and travel offers.
- Effort level removes programs harder than the level you set, because a referral you cannot close is worth nothing.
- Requirements removes programs that confirm a deposit, direct deposit, or credit approval when you asked to avoid those. Programs that have not confirmed their qualifying action stay in the list and are labelled, not assumed to pass.
Ties break on the published payout, then the RefPerks rating. No program pays to rank higher. Verify the current offer with the provider before you start sharing a link.
Browse referral programs another way
Already know what you are after? Go straight to the list.
Brokerage Referral BonusesHighest Paying Referral ProgramsBest Referral Programs That Pay CashReferral Programs with Unlimited EarningsBest Recurring Commission ProgramsBest Referral Programs Under $50 EffortBest Crypto Referral Programs to Earn FromBest Bank Referral Bonuses for Referrers
Referral programs by category
Banking referral programsInvesting referral programsCrypto referral programsCredit Cards referral programsCasino & Betting referral programsFood Delivery referral programsRide Sharing referral programsMobile & Wireless referral programsShopping & Cashback referral programsTravel referral programsVPN & Security referral programsBusiness Tools referral programsFitness & Wellness referral programsMoney Transfer referral programsOnline Learning referral programsHome & Pets referral programsFreelance & Gig referral programsInsurance & Tax referral programs
You can also estimate what your matches would pay per month, open the full referral program directory, or read side-by-side referral bonus comparisons.
Referral program matcher FAQ
- What are the best referral programs to make money?
- There is no single answer, because the best program depends on what you can be paid in, how hard the referral is to complete, and who you can share the link with. Banking and investing programs publish the largest per-referral amounts, food delivery and ride-share apps pay smaller credits but convert easily, and business software programs pay recurring commission. The matcher on this page ranks the programs RefPerks tracks against your answers rather than handing everyone the same list.
- How does the referral program matcher work?
- Each answer adds points to programs that fit it. Wanting the biggest payout scores programs by their published referral amount, choosing a payout type scores programs that pay that way, and picking an audience scores the categories that audience tends to sign up for. Two answers exclude instead of scoring: effort level, and whether your friend can be asked for a deposit or a credit card application. The result is the same shortlist for the same answers every time.
- Which referral programs pay cash rather than credit?
- Set the payout question to Cash and the matcher keeps cash-paying programs at the top of the shortlist. Cash payouts are most common in banking, investing, and money transfer, while food delivery, ride-share, and shopping apps usually pay account credit you can only spend with them.
- Are the payout amounts guaranteed?
- No. Every amount shown is the referral term RefPerks last verified for that program, and providers change reward amounts, caps, and eligibility without notice. A payout only happens when your friend completes the qualifying action. Where a program has not published a figure, the matcher shows a verify-current-terms note instead of an estimate.
- Which referral programs have no limit on referrals?
- Choose the no-cap goal and the matcher ranks programs whose published terms state unlimited referrals or no earnings cap. Capped programs are still shown lower down, with their stated cap on the card, because a capped program that pays $200 can beat an uncapped one that pays $5.
- Can I use more than one referral program at once?
- Yes, and most people who earn steadily do. A common approach is one high-value program for the few people who will realistically open a bank or brokerage account, plus one or two low-effort apps that anyone can sign up for in a minute. Run the matcher twice with different answers to build that pair.