Referral Codes To Make Money

Many apps and websites offer sign up bonuses from $2-$100 if you use a referral code or referral link from a friend when you sign up.

However, you might not have a friend using the app before you which means you don’t get the free bonus money. If that’s your situation – don’t worry because I’m here to help.

To help those of you who love getting free stuff I’ve listed all of my referral codes here so you can take advantage of the free referral bonuses!

For most of these when you use my link or code I get the exact same amount in my account so thank you for using them to support this work!

Investing App Referral Codes

Cash App

Cash App – Use this referral code RSJQKLK on this link to get $5 free on Cash App when you send $5 after signing up.

More: Cash App Referral Code details + How To Use Cash App Tutorial & Review

M1 Finance

M1 Finance – Use this referral link to get $50 bonus when signing up to invest at M1 Finance after contributing a certain amount to the account.

More: M1 Finance Referral link details + M1 Finance Review and tutorial


Public – Use this referral link with code penniesnotperfection for a free stock on when you sign up for an account and contribute qualifying amounts.

More: Public referral code details


Robinhood – Use this referral link for one free stock on Robinhood when you sign up for an account (will have my husband’s name). With this one you don’t have to deposit anything to get the free stock.

Savings & Cash Back App Referral Codes

Fetch Rewards 

Fetch Rewards – Use referral code MV7RR when you sign up for minimum $2 toward your balance to purchase gift cards.

More: Fetch Rewards Referral Code details and FAQFetch Rewards tutorial and review


Ibotta – Use this link with referral code vernepp for $10 when you sign up for a bonus in your account from $10-$40 depending on promotions.

More: Ibotta Referral Code details and FAQ


Upside – Use code RXZNW to get a bonus of your first gas fill up with Upside. Depending on promotions it will be around 15 cents per gallon.

More: GetUpside Referral Code details + How To Use Upside App: Tutorial & Review


Rakuten – Use this link to sign up for $30 sign up bonus when you start a Rakuten account to earn cash back for shopping online. IMPORTANT: You must make a $30 purchase through Rakuten within 90 days of signing up to get the bonus.

More: Rakuten Referral Code details and FAQ


Swagbucks – Use this link to get $3 sign up bonus when you start a Swagbucks account to earn for shopping and taking surveys.

More: Swagbucks Referral Code details and FAQ

Cryptocurrency App Referral Codes


Coinbase – Use this referral link to get $10 of free Bitcoin on Coinbase when you buy or sell $100 in any crypto.

Due to many cryptocurrency company failures in 2022 and 2023 I only use Coinbase to dabble and earn referral crypto. That being said, use extreme caution and do your own research! Cryptocurrency is not regulated or protected and you can lose money!

More: Coinbase Referral Link details


Check the details when you sign up for any of these as it changes often so the bonus may have changed! I try to update this list often to reflect changes but referrals may have changed since my last update.

I’ll list new apps as I try them out and feel they are worthwhile to use via safety and features. I only list apps I personally have used or would recommend to a family member.

Why Am I Sharing These?

First of all, I like to give people stuff! These apps earn me a lot of money by using them and I love to share ways I’ve saved or earned money. I love to give people free money in the form of bonuses from referral codes.

Second, these referrals earn me money too! For every sign up you get a bonus and so do I! Just like the sign up bonuses you receive, the ones I get for referring people also range from $2 to $50. It’s usually the same amount you receive when you sign up.

Finally, not enough women in personal finance were sharing their codes. I wanted to sign up for an investment account and get the $50 bonus in early 2021, so I searched for a referral link. I actively wanted to give my referrals to women investors but I came up very frustrated after scrolling through several pages of listings on Google and YouTube all run by males.

Women invest money too and it shouldn’t be so hard to find and support women investors. Sharing referral codes and talking about investing platforms is part of that awareness.

I wanted to support a woman investor so I’m sharing all of my codes for those who might want to do the same and support me.

Women use financial apps too and I want to share more reviews and referrals because the current landscape is lacking that insight.

I hope these referral codes and reviews help you. I’ve been in the position where I wanted to use an app or service but didn’t have access to a connection where I would receive a referral sign up bonus. It is frustrating!

Putting these referral codes and links out there can help others avoid that situation and I get a little bit of a kickback that helps me continue running this website to provide financial education. I love being able to give others free money!