Top 100 Referral Programs to Make Money in 2026

In 2026, the traditional job market is undergoing a seismic shift. As AI tools automate everything from customer service to complex software development, the "one-job-for-life" model has effectively collapsed. With AI impacting nearly 40% of global employment and job-seeking rates hitting 52% this year, a new era of digital entrepreneurship has emerged. People aren't just looking for jobs anymore; they are looking for ways to build scalable businesses with zero upfront capital.

This economic pressure has turned affiliate marketing from a casual side hustle for those wanting to start a business with no money into a booming multi-billion dollar industry. Consider the sheer scale of the opportunity:

• 92% of consumers now trust peer recommendations over any other form of advertising, making you more influential than a multi-million dollar marketing agency.
• The global referral software market is projected to hit $4.18billion by 2032, driven by a massive shift toward automated advocacy.
• Nearly 48% of Gen Z and 44% of Millennials are already managing at least one side hustle, with many leveraging referral networks to generate passive income.

In 2026, the highest-paid referrers aren’t selling products, but rather solving problems. By leveraging AI to identify high-intent conversations on forums and niche communities, they drop hyper-relevant recommendations that feel like advice, not ads.

To help you play at this level, we’ve built a dynamic, interest-based roadmap of top 100 referral programs. Pick your niche, unlock the 'inner circle' strategy for that category, and start earning by simply being the most helpful person in the room.

Category 1: SaaS & Digital Infrastructure

The gold standard for recurring, passive income.

1. Semrush (SEO & Marketing): Up to $200 per sale + $10 per trial.

• How it works: One of the most reliable payouts in the industry. You earn for every step of the funnel—from a free trial sign-up to a full subscription.
• Who can join: Marketers, SEOs, and business bloggers.
• Make money: Target the "Small Business SEO" niche. Many local businesses are desperate to outrank competitors but don't know where to start. A "How to Audit Your Website" video with your link is a goldmine.
• Improvement: The 120-day cookie is elite, but adding a recurring percentage for life (rather than a flat bounty) would make it unbeatable.

2. Shopify (E-commerce): Up to $150 per referral + Special $500 Bonuses.

• How it works: Refer entrepreneurs looking to start an online store. In early 2026, Shopify is offering massive "Migration Bonuses" for moving stores from legacy platforms.
• Who can join: E-commerce experts, educators, and "Side Hustle" influencers.
• Make money: Create a "0 to 1 Launch" guide. Since people looking for side hustles need a platform, your link becomes the first tool they buy.
• Improvement: A "Micro-Referral" tier for referring people to the $1/month starter plans would help capture the massive wave of new hobbyist sellers.

3. HubSpot (CRM & Sales): 30% Recurring (up to 1 year) + Bonus

• How it works: Refer businesses to an all-in-one CRM. High brand recognition makes this one of the easiest "sells" in B2B.
• Who can join: Professional consultants and B2B content creators.
• Make money: Focus on the "AI-Driven Sales" niche. Show how HubSpot’s AI tools automate lead follow-ups to attract overworked sales managers.
• Improvement: The 180-day cookie is incredible, but the 1-year commission cap is a sting—extending to 2 years for "Elite" partners would reward true growth.

4. Jasper AI (Content Strategy): 30% Recurring.

• How it works: The veteran of the AI writing space. You earn 30% for as long as your referral stays subbed.
• Who can join: Copywriters, agencies, and AI enthusiasts.
• Make money: Position it as a "Corporate Content Shield." Companies are scared of AI-generated legal issues; show how Jasper’s brand-voice tools keep them safe.
• Improvement: They should offer a "Team Upgrade" bonus for when a single user referral turns into a 20-seat corporate account.

5. Monday.com (Work OS): 25% to 100% on first-year sales.

• How it works: A highly flexible commission structure. You can earn a massive 100% of the first month or a steady 25% of the first year.
• Who can join: Productivity gurus and project managers.
• Make money: Target "Fragmented Teams." Use Discord or Slack communities to find managers complaining about "app fatigue" and offer a Monday.com template as the fix.
• Improvement: The "Work OS" category is broad; specific bonuses for referring "Enterprise" level security tiers would attract high-value referrers.

6. GetResponse (Marketing): Up to 60% commission.

• How it works: Choose the "Bounty" (flat $30) or "Recurring" (33% monthly).
• Who can join: Open to all; no audience minimum.
• Make money: Target "Course Creators" or "Newsletter owners"—these users rarely switch platforms, meaning your commission lasts for years.
• Improvement: The 90-day cookie is great, but a 120-day cookie would capture more long-term enterprise leads.

7. Webflow (Design): 50% commission for 12 months.

• How it works: Refer a business to the most popular no-code site builder of 2026.
• Who can join: Designers and creative influencers.
• Make money: Sell "Webflow Templates" and include your referral link in the setup documentation.
• Improvement: The 12-month cap is the only downside; lifetime commissions would make this the #1 SaaS program.

8. Canva (Design): Up to $36 per Pro subscriber.

• How it works: Refer users to Canva Pro. Since almost everyone uses Canva, the conversion rate is massive.
• Who can join: Any user with a Canva account.
• Make money: Create "Canva Tutorial" Reels/TikToks showing a hidden feature; put the link in the bio.
• Improvement: They could offer "Credits" to free users to buy individual premium elements as a mid-tier reward.

9. Notion (Productivity): Up to $50 + 20%

• How it works: $50 per activated sign up plus 20% of year one revenue for each referral you drive
• Who can join: Any student or professional user.
• Make money: Share your custom "Life Dashboard" templates on Gumroad for free, but require a Notion signup via your link to use them.
• Improvement: They need to offer a "Cash Out" option for high-volume template creators.

10. Typeform: 15% or Earn up to $500 for everyone you refer

• How it works: Refer businesses that need high-end forms and surveys.
• Who can join: Most active users.
• Make money: Focus on "Customer Feedback" niches. Every brand needs to survey their users.
• Improvement: Better integration with Slack for real-time referral notifications.

Category 2: Beauty & Wellness

In 2026, beauty is no longer about "selling" a beauty product; it’s about Skin Health Optimisation and Ingredient Transparency. With "Skin-first, Makeup-second" being the dominant trend, referrers who educate their audience on why a product works (e.g., Probiotic counts) are out-earning traditional "beauty gurus" 3-to-1.

11. Sephora: 5%–10% Commission (Tiered)

• How it works: Managed via Impact or Rakuten. While the base rate for returning customers is lower, new customer referrals and "Sephora Collection" items often hit the 10% mark.
• Who can join: Influencers and micro-creators with active, beauty-focused feeds.
• Make money: Use AI-powered shopping filters on TikTok or Instagram. In 2026, you can "tag" products in your video so users can "virtually try on" your lipstick shade and purchase instantly without leaving the app.
• Improvement: The 24-hour cookie is brutal. Strategically post your links during "Sephora Sale" weeks (April/November) when buyer intent is at a peak to maximise that short window.

12. Ulta Beauty: 2%–5% Commission + "Ultamate" Rewards.

• How it works: Stronger focus on the "Mass-to-Prestige" mix. They offer a 30-day cookie—vastly superior to Sephora for long-term tracking.
• Who can join: Creators across major social platforms (via "UB Creates" program).
• Make money: The "Dupe Culture" Strategy. Create side-by-side comparisons of $120 luxury serums vs. the $18 Ulta alternative. Because Ulta carries both high-end and drugstore brands, you can link both and earn regardless of the user's budget.
• Improvement: They should offer higher commissions for their "in-store salon services" referrals, which have high customer loyalty.

13. Kitsch (Hair & Beauty): $10 for $10 + 10% Affiliate Commission.

• How it works: A dual-threat program. Use the "Refer-a-Friend" for quick $10 credits, or the professional affiliate program for cash payouts.
• Make money: Their "Heatless Curls" and "Solid Shampoo Bars" are the 2026 eco-standard. Post "Night Routine" videos showing the ease of heatless styling. Since the products are "low-friction" (affordable and trendy), they have one of the highest conversion rates in the hair niche.
• Improvement: They could implement a "Subscription Referral" bonus for customers who sign up for recurring deliveries of their eco-friendly bars.

14. Tula Skincare: 20% Commission + "TULA Wallet" Credits

• How it works: Tula has moved to a "probiotic-first" marketing angle. High commission rates (20%) make this one of the most profitable skincare-specific programs.
• Who can join: Best for "Skinfluencers" and wellness bloggers.
• Make money: Target the "Sensitive Skin" subreddits and Discord servers. People with skin issues look for science-backed recommendations. Providing a detailed breakdown of how Tula’s probiotics helped your "skin barrier" is more effective than any flashy ad.
• Improvement: They recently transitioned to "TULA Wallet" for customers; ensuring affiliates can also bridge their earnings into this "4% cash back" ecosystem would increase loyalty.

15. Glossier: 10% Commission / $10 Credit

• How it works: The "Generation Glossier" program is managed via Shopify Collabs. It relies heavily on "aesthetic" alignment.
• The Trick: Focus on "Limited Drops." Glossier thrives on scarcity (e.g., seasonal Balm Dotcom flavors). Use your AI tools to monitor their "Coming Soon" pages and be the first to drop your link on Pinterest—a major traffic driver for Glossier aesthetics.
• Improvement: They need to remove the "No commissions on Gift Cards" rule to help referrers during the holiday season

16. Kiehl’s: 8% Commission

• How it works: Managed via CJ Affiliate or Awin. Kiehl’s is the "Apothecary" powerhouse, focusing heavily on scientifically proven, nature-inspired formulas.
• Who can join: High-quality beauty influencers and content creators; typically requires an invite or approval via RewardStyle/LTK.
• Make money: Target the "Men’s Skincare" or "Anti-Aging" niches. Kiehl’s has a massive male following. Create "Simplified 3-Step Routine" videos for men who are overwhelmed by complex skincare; the conversion rate on their "Facial Fuel" line is historically high.
• Improvement: The 30-day cookie is industry-standard, but they could offer a "Bonus Bounty" for first-time customers to help affiliates compete with big-box retailers.

17. MAC Cosmetics: 6% Commission + "Club MAC" Perks

• How it works: Use the vCommission or FlexOffers network. They also have "Club MAC" for creators with 1,000+ followers.
• Who can join: Professional makeup artists and trending beauty creators.
• Make money: Leverage the "Pro Kit Essentials" angle. MAC is the gold standard for stage and professional makeup. Post "Must-haves for your Pro Kit" on LinkedIn or professional MUA forums (like Discord groups). Professionals buy in bulk, making your 6% commission on a $500 order very lucrative.
• Improvement: The 7-day cookie is short for a brand with so many products; a 15-day window would better capture the "research-heavy" professional buyer.

18. L'Occitane: 2.5% – 6% Commission

• How it works: Partner through CJ Affiliate or LinkShare. They focus on premium, Provence-inspired luxury body care.
• Who can join: Lifestyle bloggers and "Gifting" influencers.
• Make money: Own the "Luxury Gifting" seasons. L'Occitane's "Advent Calendars" and gift sets are viral every holiday season. Use Pinterest to create "Ultimate Mother’s Day Gift Guides"—this platform's visual search is perfect for L'Occitane’s high-end packaging.
• Improvement: The base 2.5% rate is low for luxury; raising it to 6% across all regions would solidify them as the top "Wellness Gift" program.

19. Yves Rocher: 15% Commission

• How it works: One of the highest payouts in the beauty industry, typically managed via internal portals or regional networks like Trakaff.
• Who can join: Content creators, beauty bloggers, and eco-conscious influencers.
• Make money: Focus on "Botanical Beauty" and "Affordability." Yves Rocher is perceived as an "accessible luxury." Use AI to find "Clean Beauty" threads on Reddit or Quora and recommend their botanical-based serums as a high-performance, low-cost alternative.
• Improvement: They should offer more localized "Creator Kits" for the North American market to match their massive European popularity.

20. Function of Beauty: $20 for $20 + Dynamic Affiliate Commissions

• How it works: A leader in personalized beauty. You can earn flat $20 credits for quick referrals or join their dynamic affiliate program for cash percentages.
• Who can join: Any customer or creator passionate about "Clean & Vegan" hair/skin care.
• Make money: The "Subscription Retention" Play. Because their products are custom-formulated to a user's specific hair goals, the "churn rate" is low. Once your referral finds their perfect formula, you benefit from the long-term stability of the brand's ecosystem. Post "Unboxing My Custom Formula" videos to show the personalisation process.
• Improvement: A 7-day cookie is tight for a "custom" product where users might want to take the "Hair Quiz" and then think about it; extending this to 30 days would significantly boost affiliate ROI.

Category 3: Fashion & Apparel

With the rise of the circular economy, consumers are looking for pieces that hold their value or brands that prioritise planet-first manufacturing. This category offers some of the highest conversion rates due to the constant "newness" of the industry.

21. ThredUp (Resale): Give $40, Get $40

• How it works: A leader in the "Re-commerce" space. Their referral program is simple: give a $40 discount to a new user, and you get a $40 credit once they order.
• Who can join: Any active ThredUp customer.
• Make money: Post "Thrift Hauls" or "Designer Unboxings" on YouTube or TikTok. Showcase high-end brands (Gucci, Prada) found for 90% off. Because the "Give $40" offer is so high, it’s one of the easiest links to get a "click-and-convert" on.
• Improvement: While the credit is generous, its 30-day expiration is a hurdle. It would be a game-changer if credits were applicable to shipping costs or could be "stacked" indefinitely for high-volume referrers.

22. Nordstrom: 1%–11% Commission

• How it works: Managed via Rakuten. Commissions are tiered—you earn more on "Private Label" brands and new customer acquisitions.
• Who can join: Fashion bloggers and stylists; approval usually requires a professional-looking site or a high-engagement social feed.
• Make money: Focus on "High-Ticket Events." Target "Wedding Guest," "Gala," or "Graduation" attire. When a user buys a $400 dress and $200 shoes through your link, that 11% commission starts looking very substantial.
• Improvement: The 12-hour cookie window is notoriously short for luxury goods. Moving to a 7-day window would help capture users who "browse on mobile but buy on desktop."

23. Lululemon: 7%–10% Commission

• How it works: You can join as an "Affiliate" (content creators) or through the "Sweat Collective" (fitness pros).
• Who can join: Fitness instructors, athletes, and wellness creators.
• Make money: The "Performance Test." Don’t just show the leggings; show them in action during a marathon or a HIIT session. In 2026, "technical proof" sells better than "aesthetic shots."
• Improvement: They should offer a higher commission for their "Like New" resale category to align with their sustainability goals.

24. ASOS: Up to 7% Commission

• How it works: Managed through Rakuten or Impact. ASOS has one of the largest catalogs on the planet, making it the "Amazon of Fashion."
• Who can join: Best for Gen Z and "Trendy" creators.
• Make money: Use "Style Boards." Curate an entire outfit (shoes, bag, dress) and post it on Pinterest. ASOS has high brand recognition, so the trust barrier is low—people feel safe clicking an ASOS link.
• Improvement: They need a native "Creator Shop" feature where referrers can curate their own storefronts directly on the ASOS app.

25. Farfetch: Up to 7% Commission

• How it works: Access over 3,000 luxury brands (Gucci, Prada, Saint Laurent) through one global portal. Managed via Partnerize or Cuelinks.
• Who can join: High-end lifestyle creators and fashion curators with a global audience.
• Make money: Leverage the "Limited Drop" culture. Use AI monitoring tools to alert your community the second a rare item is back in stock. Since the average order value (AOV) often exceeds $600, a single sale can net you $40+. Focus on the "Empowering Individuality" angle by curating unique pieces from global boutiques that aren't available on mainstream sites.
• Improvement: Farfetch's deep-linking tool can be clunky for mobile. An "Instant Boutique" feature that lets you curate a 1-click shoppable gallery for Instagram Stories would be a game-changer for 2026.

26. Revolve: 5% – 15% Commission

• How it works: Hosted on CJ Affiliate for standard links, or through their Brand Ambassador program for higher tiers.
• Who can join: Best for creators on Instagram, TikTok, and LTK. The "Ambassador" tier offers up to 15% in cash or 20% in store credit.
• Make money: Use "Get the Look" AI tools. When a celebrity is spotted in a specific outfit, find the Revolve equivalent and post it to niche fashion Discord servers. Their 30-day cookie window is generous for this industry, allowing you to catch "wishlist" shoppers who wait for paydays.
• Improvement: The standard 5% base rate is becoming less competitive. Moving to a 10% base for video-heavy content (Reels/TikTok) would drive more organic "Haul" videos.

27. Net-A-Porter: Up to 6% Commission

• How it works: The premier destination for ultra-luxury and high-fashion editorial. Managed via Rakuten Advertising.
• Who can join: Elite editorial sites and high-authority stylists. Vetting is strict to ensure the brand’s luxury image is maintained.
• Make money: Target the "Investment Piece" niche. Write about "Capsule Wardrobes" or "Luxury Staples that Hold Value." Since some items sell for $5,000+, a 6% commission on a single transaction ($300) can outperform 50 small sales elsewhere.
• Improvement: They need a "Private Client" referral tier. Letting top-performing referrers offer their audience "Early Access" to sales would skyrocket conversion rates during seasonal clearances.

28. SSENSE: 5% – 7% Commission

• How it works: Specialised in avant-garde and streetwear luxury (Fear of God Essentials, Balenciaga, Off-White).
• Who can join: Streetwear curators and "Hypebeast" style influencers.
• Make money: Focus on r/Streetwear and specialized Discord "Cook Groups." Use AI to track price drops on "Essentials" hoodies—they sell out instantly and convert at a massive rate. New customers typically net you the higher 7% rate.
• Improvement: The mobile app experience for affiliates needs work. Providing a dedicated "Share-to-Story" button within the SSENSE app would streamline the workflow for creators on the move.

29. Rent the Runway: 7% Commission (or $20+ per Subscription)

• How it works: A "Circular Fashion" model. You earn for individual rentals or monthly subscription sign-ups. High-volume creators can join the "RTR Muse" program for free memberships.
• Who can join: Sustainability advocates and budget-conscious fashionistas with 2k+ followers.
• Make money: Position this as the "Smart Luxury" choice. Target users on Reddit asking for "cheap wedding guest dresses" by showing them how to rent a $1,000 gown for $80. The high conversion rate on "first-month trial" subscriptions is your bread and butter.
• Improvement: A 7-day cookie is tight for a "custom" product where users might want to take a "Style Quiz" first; extending this to 30 days would significantly boost affiliate ROI.

30. Luisaviaroma: 5% – 10% Commission

• How it works: One of the most established European luxury retailers. Managed via CJ Affiliate or their internal Creator Network.
• Who can join: High-quality publishers and creators; they manually review the URL and market alignment of every applicant.
• Make money: Focus on the "Exclusive Drop" and "LVR Editions." They often carry exclusive collaborations with top designers. Use Pinterest to pin high-quality editorial shots from their site—Pinterest’s visual search often leads luxury shoppers directly to LVR’s unique inventory.
• Improvement: Their tracking for global markets can be fragmented. A unified dashboard that easily switches between EU, US, and Asian market performance would help global creators scale.

Category 4: Automotive & Travel

31. Tesla: 1,000–10,000 Credits

• How it works: Managed directly via the Tesla App’s "Refer and Earn" section. You earn credits when a referral purchases a vehicle (Model 3/Y/S/X/Cybertruck) or installs solar. Buyers typically get a 3-month trial of Full Self-Driving (FSD) or a cash discount.
• Who can join: Existing Tesla owners with a qualifying product in their account.
• Make money: In 2026, credits are the primary currency. Focus on "EV Newbies" in local Facebook groups or Reddit. 10,000 credits can be redeemed for high-value software upgrades (like Acceleration Boost), thousands of Supercharging miles, or exclusive Tesla Shop merchandise that holds high resale value on secondary markets.
• Improvement: The 12-month expiration on credits is a silent killer. A "Legacy Status" for referrers who hit 5+ sales could extend credit life to 24 months.

32. Blue Car Rental: 5% Commission + 5% Customer Discount

• How it works: A specialised affiliate program for Iceland’s premier rental agency. Includes a 30-day cookie window and a unique 5% discount code to entice your audience.
• Who can join: Travel bloggers, YouTubers, and adventure influencers focusing on Nordic or European travel.
• Make money: Target the "Road Trip" niche. With Iceland’s new 2026 Mandatory Road Tax (1550 ISK daily), users are looking for transparent pricing. Highlight Blue’s "Zero Policy" (no hidden fees). A $2,500 4x4 rental for a Highland trek nets you a clean $125.
• Improvement: Needs better mobile deep-linking for Instagram Stories and TikTok bios to bypass the "link in bio" friction.

33. Avis & Budget: Up to 4% Commission

• How it works: Managed via the Partnerize platform. You earn on "Time and Mileage" (the base rate) for global bookings.
• Who can join: Comparison websites, corporate travel consultants, and lifestyle influencers.
• Make money: Focus on "Business Travel" forums and LinkedIn. Professionals booking weekly premium rentals for conferences provide steady, recurring commissions. Mention their 2026 "Plus Your Points" style incentives to increase the user's perceived value.
• Improvement: The exclusion of "ancillary fees" (GPS, insurance, etc.) from commission is a drawback. A 1% "bonus" on total cart value would incentivise higher-tier upsells.

34. Enterprise Mobility: 2.5% Commission

• How it works: Join via their dedicated affiliate portal or FlexOffers. Covers Enterprise, National, and Alamo brands.
• Who can join: Requires a professional-looking site or a high-engagement social feed; approval is manual and selective.
• Make money: Target "Family Vacation" planners. Enterprise is the king of suburban neighborhood locations, not just airports. Positioning this as the "convenient" option for local rentals or insurance replacements works better than competing on price alone.
• Improvement: Commission is lower than Avis. Introducing a "Tiered" bonus structure—jumping to 3.5% after 50 bookings—would drive higher loyalty from top affiliates.

35. Uber (Driver Referrals): Up to $1,000 per Sign-Up

• How it works: Managed via the "Earnings" tab in the Uber Driver app. You share a unique invite code with potential new drivers or delivery people. Payouts are triggered once the referee completes a specific number of trips (e.g., 100 trips in 30 days).
• Who can join: Existing Uber drivers or delivery partners in good standing.
• Make money: Use AI to identify "Gig Economy" trends in specific cities. Payouts are city-dependent; a referral in a high-demand market like NYC or London might net you $1,000, while a smaller town might offer $200. Target local Facebook "Buy/Sell" groups or "Side Hustle" subreddits where people are looking for immediate income.
• Improvement: The "all-or-nothing" trip requirement is tough. A "Milestone Payout" (e.g., $100 at 20 trips, $400 at 50 trips) would reduce churn and keep referrers motivated.

36. Lyft: Milestone Bonuses ($500 - $1,000)

• How it works: Similar to Uber but often structured as Earnings Guarantees for the driver and a cash bonus for the referrer. You can track your referrals' progress in real-time via the Lyft Driver portal.
• Who can join: Active Lyft drivers.
• Make money: Focus on "Double-Sided" value. Tell your prospects they aren't just signing up—they are getting a guaranteed $2,500 in earnings for their first 100 rides. This makes the "sale" much easier. High-octane referrers use YouTube "Day in the Life of a Driver" videos to funnel sign-ups.
• Improvement: Lyft credits often expire after 1 year. Moving to a "Non-Expiring" cash-out option for top-tier referrers would increase long-term loyalty.

37. Carvana: $100 – $200 per Car Sold

• How it works: Carvana occasionally runs "Refer-a-Friend" promotions where you provide a referral name and code to a buyer. In 2026, they have leaned into digital tracking links for their affiliate partners via specialized networks.
• Who can join: Existing customers or approved automotive influencers.
• Make money: Target the "First Car" or "Credit Rebuilding" niches. Carvana’s 7-day money-back guarantee is a huge selling point on forums like r/PersonalFinance. One link drop in a "Should I buy from a dealer?" thread can result in a $200 bounty if they choose the "Vending Machine" experience.
• Improvement: The program is often "regional" or paused. A consistent, nationwide Affiliate API would allow developers to build car-comparison tools that auto-generate referral revenue.

38. Hertz: Gold Plus Rewards (Point-Based)

• How it works: Points are earned for every dollar spent, but the referral element allows you to gift "Gold Status" or earn bonus points when a friend joins and completes their first rental.
• Who can join: Any Hertz Gold Plus Rewards member (free to join).
• Make money: Focus on "Travel Hacking" communities. 750 points usually equals a free weekend day. By referring 5-10 business travelers, you can effectively fund your entire summer road trip in free rental days. Use LinkedIn to target consultants who rent cars weekly.
• Improvement: Point redemptions for "AnyDay" rentals are double the cost. A "Referrer Discount" that locks in "Standard" rates regardless of the date would be a massive perk.

39. Auto Europe: 2.4% – 5.6% Commission

• How it works: A high-end aggregator for European car rentals. Managed via Trakaff or their internal B2B portal. They offer a 7-day cookie window and support for 190+ countries.
• Who can join: Travel agents, bloggers, and "Digital Nomad" influencers.
• Make money: This is the "International Play." If you have an audience traveling to Italy, France, or Iceland, the commission on a $3,000 long-term luxury rental is nearly $170. Use "Hidden Gem" travel guides on Pinterest to drive traffic to your booking engine link.
• Improvement: The 7-day cookie is very short for international trips which are planned months in advance. A 30-day "Planning Window" cookie would better serve the travel niche.

40. Specialised E-Bikes (e.g., Aventon/Rad Power): 5% Commission

• How it works: Most major E-bike brands use Refersion or ShareASale. With E-bikes averaging $1,500–$4,000, the payouts are significantly higher than traditional retail.
• Who can join: Outdoor enthusiasts, tech reviewers, and "Green Living" advocates.
• Make money: Target the "Commuter Revolution" on Reddit (r/ebikes). Create "Gas vs. E-Bike" cost-comparison spreadsheets. Selling just one high-end $4,000 cargo bike earns you a $200 commission.
• Improvement: Brands should provide "Demo Codes" for local meetups. If an influencer lets someone test-ride their bike and they scan a QR code to buy, the attribution should be instant and guaranteed.

Category 5: Fintech & Investment

41. Chime: $100 per Referral (The "Instant Payout" King)

• How it works: Managed via the "Invite Friends" tab in the app. Both you and the person you refer receive a $100 bonus once they receive a single qualifying direct deposit of $200+ within 45 days.
• Who can join: Existing Chime members with an active Checking account.
• Make money: Target the "Early Payday" niche. Chime’s 2-day early access to paychecks is a massive draw for the gig economy. Use AI to scan "Payday Loan" or "Overdraft Fee" threads on Reddit; suggest Chime as the fee-free alternative with a built-in $100 "welcome gift" (via your link).
• Improvement: The 45-day window for the first deposit is generous, but Chime limits you to 10 referrals per year. A "Power User" tier with uncapped referrals for those who maintain a $5k+ balance would dominate the market.

42. Current: $100 Referral Reward (High-Volume Payout)

• How it works: Managed via the "Earn" section. Referrals must sign up with your link and receive a $200+ qualifying payroll deposit within 45 days.
• Who can join: Any active Current account holder.
• Make money: Focus on "Rewards Banking." Current offers up to 7x points at 14,000+ merchants. Create "Cashback Stack" guides showing how to use Current alongside other apps. Note that Current caps referral earnings at $1,000 per calendar year, making it a great "reliable" income stream rather than a "moonshot" play.
• Improvement: The $1,000 annual cap is a ceiling for influencers. Transitioning to a tiered commission (e.g., $100 for the first 10, then 5% of their interchange revenue) would turn fans into long-term partners.

43. Monzo: Up to £50 / $50 (The "Social" Bank)

• How it works: In the UK, it’s typically a £5 bonus, but business accounts or promotional "Referral Roulette" windows often boost this to £50. In the US, the program focuses on a $50 bonus after a qualifying purchase.
• Who can join: Open to UK and US residents with an active Monzo account.
• Make money: Target the "Travel & Budgeting" niche. Monzo’s "Shared Tabs" and "Fee-Free FX" make it the go-to for group trips. Post in travel forums: "How we split our Paris trip costs without the drama (and got $50 each to start)."
• Improvement: Monzo’s bonus is often "Randomised" (£5, £10, or £50). While this creates "gamification," a guaranteed high-ticket bonus for Business account referrals is a much easier sell for professional referrers.

44. Varo Bank: $30 – $100 Referral Bounty

• How it works: Standard offer is $30, but it frequently "boosts" to $100. The referee must spend $20 using their Varo debit card within 30 days or receive a $500 direct deposit (depending on the current promo cycle).
• Who can join: Active Varo Bank customers with a balance above $0.
• Make money: Leverage the "Credit Builder" angle. Varo's "Believe" card is perfect for those with no credit history. Target r/CreditScore with "How I jumped 50 points and got a $100 banking bonus." Because Varo has its own banking charter, the trust level is higher than other "neobanks."
• Improvement: Varo limits you to 5 bonuses per year. In a world of 15M+ unbanked users, this cap is far too low; removing it would allow niche experts to scale their "Helpful Advice" strategy into a full-time income.

45. Upgrade: Up to $200 Cash Bonus

• How it works: One of the highest standard payouts in 2026. New users must open a "Rewards Checking Plus" account and make a specific number of debit card purchases (usually 3) within 60 days.
• Who can join: Existing Upgrade card or account holders.
• Make money: Target "High-Interest" and "Cashback" seekers. Upgrade offers up to 2% cashback on common daily expenses. This is a "Value Play"—don't just pitch the $200; pitch the $500+ they’ll save/earn in cashback over the year.
• Improvement: The requirement for "Debit Card Purchases" is easier for users to hit than "Direct Deposits." Highlight this "Low Friction" path in your copy to maximise conversion.

46. SoFi: $75 per Referral + Up to $300 Welcome Bonus

• How it works: Shared via the SoFi app or web dashboard. You earn $75 in SoFi Rewards points (which can be redeemed for cash, crypto, or loan payments) for every friend who joins and deposits at least $50. Your friend also gets $25 plus a chance at a $300 direct deposit bonus.
• Who can join: Existing SoFi Checking and Savings members.
• Make money: Target the "All-in-One Finance" crowd. SoFi is the best choice for users who want to invest, save, and manage loans in one place. Use AI to find "Student Loan Refinancing" discussions on LinkedIn; mentioning SoFi’s high APY (up to 4.00% in early 2026) makes the referral an easy sell.
• Improvement: The $10,000 lifetime referral cap is high, but the payout is in "points" rather than direct cash. Integrating an instant "Point-to-Crypto" conversion at a 1.2x multiplier would incentivize the tech-savvy 2026 investor.

47. Revolut: $10 – $80 per Referral

• How it works: Managed via the "Invite" icon in the profile tab. Revolut uses time-limited "Burst" campaigns where you can refer up to 5 friends per period. The referee must order a physical card and make 3 qualifying purchases (usually $5+ each).
• Who can join: Approved Revolut users in supported regions (UK, EEA, USA).
• Make money: This is the "Traveler’s Secret Weapon." Target digital nomad groups and study-abroad forums. Highlight the "Instant FX" and "Disposable Virtual Cards" for security. Since the bonus is only for the referrer, offer to "split the bounty" with your friend to ensure they complete the card purchases.
• Improvement: The requirement for a physical card order is a friction point in a digital-first world. In 2026, allowing "Virtual Card Activation" to count toward the bonus would double conversion rates.

48. Cash App: $5 – $30 per Referral

• How it works: Found under the "Invite Friends" profile section. You get a bonus when a friend links a new debit card and sends $5 to another user within 14 days.
• Who can join: Any verified Cash App user.
• Make money: The "Social Proof" play. Cash App is the king of "Quick Cash." Use it for micro-incentives on social media—tell your followers you'll send them $5 if they sign up using your code. You keep the $10–$25 profit. It’s the fastest "click-to-cash" loop in fintech.
• Improvement: The 14-day window is strict. A "Reminder Bot" feature within the app that nudges your referrals to send their first $5 would help affiliates capture more "lost" commissions.

49. Wise (formerly TransferWise): The "3-Friend" Payout

• How it works: Payouts are structured in "sets." For every 3 friends who make a qualifying international transfer of £200/$250+, you earn a flat fee (typically £50/$75 depending on your region).
• Who can join: Any Wise account holder.
• Make money: Target the "Expat and Freelancer" community. Wise is the gold standard for low-fee international transfers. Post in r/Freelance or r/DigitalNomad: "How I save $40 on every invoice transfer." The "Free First Transfer" for your friend makes this a high-value, low-pressure recommendation.
• Improvement: The "3-friend" requirement can feel like a hurdle. Moving to a pro-rata payout ($25 per friend) would keep referrers more engaged without having to hit a specific threshold.

50. Acorns: $5 – $1,200+

• How it works: While the base referral is "Get $5, Give $5," Acorns is famous for its weekly promotional bundles. For example: "Refer 4 friends this week and get $1,000."
• Who can join: Active Acorns Invest subscribers.
• Make money: Target the "Passive Investor." Focus on the "Round-Ups" feature that invests spare change. In 2026, the high-octane move is to run a 5-day blitz on Instagram/TikTok during a $1,000+ promo week. Even if you have to "pay" your friends $20 each to sign up, you still clear $900+ in profit.
• Improvement: The "Good Standing" requirement (keeping the account open for 30 days) is often used to deny bonuses. A "Real-Time Status Tracker" for referrers would provide the transparency needed to ensure every lead pays out.

51. Wealthfront: $5,000 Managed Free + APY "Boost"

• How it works: Managed via the "Invite" tab. When a friend joins, both of you get your first $5,000 managed for free indefinitely in their automated portfolios. Additionally, in 2026, they often run "Boost" promos where a referral grants you an extra +0.50% APY on your Cash Account for 3 months.
• Who can join: Existing Wealthfront account holders with a linked bank account.
• Make money: Target the "Inflation Hedge" niche. In the 2026 economic climate, people are desperate for safe, high-yield places to park their cash. Focus on the "Tax-Loss Harvesting" feature for higher-income earners on LinkedIn—show them how Wealthfront’s AI can actually pay for itself by saving them money on taxes.
• Improvement: The APY boost is temporary; introducing a "Permanent Boost" for power-referrers who bring in $100k+ in total assets would create much higher long-term affiliate loyalty.

52. M1 Finance: Up to $75 per Referral

• How it works: Shared via your unique link in the "Promotions" tab. In 2026, the reward has scaled to $75 for both parties, provided the referral funds their account with at least $10,000 (for brokerage) or $500 (for IRAs) within 30 days.
• Who can join: M1 members with a funded brokerage or retirement account.
• Make money: Target the "Wealth Builder" niche on LinkedIn or professional forums. M1's "Pies" (automated portfolios) are perfect for people who want high-level customisation without the high-level effort. Mention their 3.10% – 4% APY on uninvested cash to lure in those looking for a safe place to park funds while they wait for market dips.
• Improvement: The $10k deposit requirement for a brokerage bonus is a high barrier. Introducing a tiered reward (e.g., $10 for $1k, $75 for $10k) would make this much more accessible to the "everyday" referrer.

53. Stash: $20 – $25 Welcome Reward + "Stock Parties"

• How it works: A simple "Give $20, Get $20" (or sometimes $25) cash-to-invest bonus. Beyond direct referrals, Stash runs "Stock Parties"—digital events where a community pool of fractional shares is distributed to anyone who joins the link during a 1-hour window.
• Who can join: Anyone with a Stash subscription ($3/mo or $9/mo).
• Make money: Leverage the "Gamification" of investing. Post Stock Party links in "Freebie" or "Deals" Discord servers. It builds trust with your audience because they get free stock without needing to deposit large sums first. Once they’re in the door via the "Party," they are much more likely to use your permanent $25 referral link.
• Improvement: The $3/month subscription fee can deter casual referrers. A "Free-to-Refer" tier, where you only pay the fee once you actually start investing, would broaden their affiliate base significantly.

54. Public: $20 – $100 in Free Stock / ETFs

• How it works: Managed via the "Rewards" icon. For 2026, the standard referral offers $100 in fractional shares if the person you refer makes an initial deposit of $1,000+. For smaller deposits ($20+), the reward is typically a randomised "mystery stock" worth between $3 and $300.
• Who can join: Approved Public brokerage members in good standing.
• Make money: Target the "Social Investor" niche. Public is built like a social network for stocks. Create a "Public Group" for your followers where you share your portfolio moves. When people see your transparency, they’ll naturally want to join your "inner circle" using your link. Use the "Options Rebate" angle—Public is one of the few that shares its own revenue with you on options trades.
• Improvement: The "Mystery Stock" is 90% likely to be $3–$5. Increasing the transparency of the odds or offering a "Pick Your Own Stock" feature for all referral tiers would drive higher engagement.

55. Robinhood: $5 – $200 in Gift Stock

• How it works: Managed via the "Earn" tab. For 2026, the reward triggers once a referral links their bank account and completes a deposit. You get to "pick your own stock" from a list of roughly 20 leading companies. While the value can hit $200, approximately 99% of rewards are the $5 floor.
• Who can join: U.S. residents with a verified Robinhood account in good standing.
• Make money: Target the "24-Hour Market" niche. Create content for night-shift workers or global traders, positioning Robinhood as the only tool that lets them trade big tech at 3:00 AM EST. Use the "IRA Match" angle—highlighting that Robinhood gives you an extra 1–3% on retirement contributions—to attract long-term savers.
• Improvement: Be vocal about the 30-day withdrawal rule. You can sell the gift stock after 3 days, but you can’t withdraw the cash for a month. Disclosing this early builds much higher "Inner Circle" trust than burying it in the fine print.

56. Webull: Up to 12 Free Fractional Shares

• How it works: Rewards are tiered based on the referral's initial deposit amount. In early 2026, a $100 deposit typically triggers 6 shares, while a $1,000+ deposit hits the 12-share limit. The total value of these "mystery shares" can technically reach $30,000, though most are valued at $3–$10 each.
• Who can join: New users who have never opened a Webull brokerage account.
• Make money: Focus on the "Technical Analyst" or "Active Trader" demographic. Use screen-recordings of Webull’s advanced charting and "Paper Trading" features. Frame it as the "Pro Upgrade" for people who have outgrown Robinhood’s simple interface.
• Improvement: The "fractional share" randomiser can feel like a lottery. You’ll get better conversions by highlighting the potential for a high-value share (like Apple or Google) while emphasising the utility of the free technical tools they get just for signing up.

57. Moomoo: $100–$1,000 in NVDA Stock

• How it works: This is the current 2026 "AI Hype" leader. Referrals earn fractional shares of Nvidia (NVDA) based on their net deposit. A $2,000 deposit yields $100 in NVDA, scaling up to $1,000 in NVDA for a $100k deposit.
• Who can join: U.S. residents with a valid SSN who are new to Moomoo.
• Make money: Use the "AI Portfolio Starter" hook. Instead of selling a generic brokerage, sell a "Free stake in the future of AI." Target tech-heavy communities on X or Reddit. Highlight their 8.1% APY on uninvested cash (a 2026 high) to attract those waiting for a market dip.
• Improvement: Moomoo requires users to maintain their balance for 60–180 days to "unlock" the full stock bonus. Creating a "Reward Calendar" for your followers to help them track their unlocking period will reduce user frustration and churn.

58. Betterment: Up to $1,500 Cash Bonus

• How it works: Betterment offers a tiered cash bonus for new managed investing (Robo-advisor) accounts. In 2026, they also offer a +0.65% APY boost on their "Cash Reserve" for referrals. The $1,500 maximum reward usually requires a $200k+ deposit held for at least 45 days.
• Who can join: New managed investing customers (U.S. residents).
• Make money: Target the "Passive Wealth" and "Retirement Planning" niche. This works best on LinkedIn or professional blogs where the audience has higher liquid capital. Position it as the "Stress-Free" alternative to the volatile trading apps above.
• Improvement: High deposit requirements make this a "high-trust" sell. Share your own Betterment "Tax-Loss Harvesting" results or the ease of their "Recurring Deposit" feature to prove the long-term value beyond the initial bonus.

59. eToro: $50 – $500 Crypto/Stock Bonus

• How it works: eToro’s 2026 promotion offers tiered rewards (typically $10–$500) based on the first deposit. They are heavily pushing the "CopyTrader" feature where users can automatically mirror the moves of "Elite Investors."
• Who can join: Verified users in eligible U.S. states (excludes NY, NV, HI) and several international regions.
• Make money: Target the "Overwhelmed Beginner." Use the "Lazy Investor" strategy: show your followers a list of top-performing eToro traders and explain how they can "hire" these pros for free by clicking "Copy." It’s a low-friction pitch for people who want to invest but are afraid of making their own choices.
• Improvement: eToro’s crypto spreads are often higher than specialized exchanges. To maintain "Inner Circle" credibility, recommend eToro specifically for Social/Copy Trading rather than as a high-frequency crypto trading hub.

60. Yieldstreet: $100+ per Referral

• How it works: This is the "Alternative Asset" leader. Rewards are triggered when a referral makes their first investment into a Private Equity, Real Estate, or Art fund. Most deals have a $10k minimum, though some funds allow entry at $1k.
• Who can join: Both accredited and non-accredited investors (though non-accredited access is limited to the "Alternative Income Fund").
• Make money: Focus on "Recession-Proofing" and "Portfolio Diversification." Target high-earning professionals who are tired of the stock market roller coaster. Use the "Invest like the 1%" angle to pitch assets like private credit or legal finance that aren't tied to the S&P 500.
• Improvement: The $10k+ minimum is a significant barrier. To convert better, specifically promote their "Alternative Income Fund," which is open to everyone and usually has the lowest entry point on the platform.

Category 6: Gig Economy & Workforce Tools

61. Fiverr: $15 – $150 CPA or Hybrid (The "Bulk Volume" Play)

• How it works: Managed through Fiverr Affiliates. You can choose between two models: Fiverr CPA (a flat fee of $15–$150 based on the service category) or Fiverr Hybrid ($10 flat fee + 10% revenue share for 12 months).
• Who can join: Content creators, educators, and marketers.
• Make money: Focus on "Business Solutions." In 2026, the real money isn't in $5 logos; it's in Fiverr Pro (hand-vetted talent) and Fiverr Logo Maker. Referring a business to Fiverr Pro can net you a flat $150 CPA. Use AI to scan Reddit’s r/startups for founders asking for "vetted developers" or "reliable editors" and drop a deep link to a specific Pro-verified gig.
• Improvement: You only earn from "First-Time Buyers." A "Retention Bonus" for users who spend over $1,000 in their first six months would incentivize affiliates to refer high-quality enterprise clients instead of one-off shoppers.

62. Upwork: 70% of First Contract (Up to $150)

• How it works: Managed via the Impact network. You earn a commission equal to 70% of the fees from a new client’s first contract, capped at $150 per transaction.
• Who can join: Bloggers and B2B influencers with a professional site or high-engagement LinkedIn presence.
• Make money: Target the "Agency Scale-Up" niche. Position Upwork as the "Project Catalog" destination for busy managers. Create "How to Outsource Your Video Editing" guides on LinkedIn. Since the 70% commission applies to the spend, focusing on "High-Ticket Consultations" ensures you hit that $150 cap with a single referral.
• Improvement: The $150 cap is quite low for 2026 enterprise contracts. A "No-Cap" percentage model for the first 3 months of a contract would attract higher-tier B2B affiliates who deal with five-figure projects.

63. Toptal: $2,000 per Paying Client (The "Whale" Bounty)

• How it works: An elite "Referral Partner" program. You earn a massive $2,000 flat fee every time a company you refer hires their first freelancer. Separately, referring a successful developer to join the network can net you up to $500.
• Who can join: Requires manual approval. Best for tech consultants, CTOs, and high-level business influencers.
• Make money: This is a "Direct Introduction" game. Don't spam links; instead, use your network to find companies struggling to hire senior AI or software engineers. A single warm introduction to a Toptal representative that results in a hire pays out more than 100 small fintech referrals.
• Improvement: The $2,000 minimum payout threshold means you don't get paid until a client successfully hires. A "Lead Generation" bounty (e.g., $100 for a qualified intro call) would keep the pipeline full while waiting for high-stakes closes.

64. FlexJobs: Up to $15 per Subscription

• How it works: Managed via CJ Affiliate. You earn a commission for every person who signs up for a paid subscription to access their hand-screened remote job database.
• Who can join: Career coaches, remote work advocates, and "Digital Nomad" bloggers.
• Make money: Target the "Remote Work Safety" niche. With the rise of AI-generated job scams in 2026, people are willing to pay for a "verified-only" job board. Post "How to find a remote job without the scams" on r/RemoteWork.
• Improvement: They should offer a "Group/Team" referral discount for smaller startups looking to hire via the platform, giving the affiliate a cut of the corporate fee.

65. SolidGigs: 35% Recurring Commission

• How it works: A "Lead-Gen" tool for freelancers that sends them the top 1% of freelance jobs daily. You get 35% of every monthly subscription fee for as long as the user stays.
• Who can join: Best for influencers who teach "The Business of Freelancing."
• Make money: The "Time-Saver" angle. "Stop spending 10 hours a week hunting for jobs; pay someone else to do it for you." Use TikTok to show a "Screen-Recording" of a SolidGigs alert compared to a cluttered job board.
• Improvement: A 30-day cookie window is standard, but a "First-Month Free" coupon code exclusively for affiliates would skyrocket conversion rates for those on the fence.

66. Deel: $200 – $500 per Company Referral

• How it works: Managed via their dedicated partner portal. You earn a flat fee when a company you refer signs up to manage their international payroll or EOR (Employer of Record) services. In 2026, the payout scales based on the number of employees the company onboard.
• Who can join: B2B influencers, HR consultants, and "Global Nomad" content creators.
• Make money: Target the "Global Expansion" niche. With the 2026 shift toward borderless hiring, companies are terrified of international tax compliance. Position Deel as the "Legal Shield" for startups. Create content like "How to hire a developer in Brazil without opening a local entity.
• Improvement: The sales cycle for HR tech is long. A "Stage-Based" payout (e.g., $50 for a demo, $450 for the contract) would keep affiliates motivated during the months-long enterprise closing process.

67. TaskRabbit: $10 – $20 per New User

• How it works: A "Give $20, Get $10" model typically managed through a personalised in-app link. The referral must book and complete their first task for the credit to trigger.
• Who can join: Any active TaskRabbit user.
• Make money: Focus on the "Smart Home/IKEA" niche. In 2026, TaskRabbit is the go-to for "AI-Home Setup." Create YouTube Shorts or TikToks showing "How to automate your apartment" and link TaskRabbit for the heavy lifting/mounting. It’s a high-volume play for lifestyle influencers.
• Improvement: Currently, credits can only be used on the platform. Transitioning to a cash-payout model for "Elite Referrers" would attract professional deal-hunters who don't necessarily need a handyman every month.

68. Contra: $100 – $500 "Commission-Free" Referral

• How it works: Contra is the 2026 challenger to Upwork, known for being 100% commission-free for freelancers. Their referral program rewards you for bringing "Pro" subscribers or high-volume clients to the platform.
• Who can join: Freelancers with a verified portfolio on Contra.
• Make money: Target the "Anti-Fee" movement. Use the "Keep what you earn" angle to lure freelancers away from platforms that take 10–20% of their checks. Create "Portfolio Reviews" on TikTok and tell your followers they can host their professional site for free on Contra using your link.
• Improvement: While they offer great perks, a "Referral Leaderboard" with monthly cash prizes for the top 10 recruiters would help them steal more market share from the legacy giants.

69. Instacart Shopper: $100 – $400 "New Zone" Bonuses

• How it works: Referral bonuses for new "Shoppers" (the workers) are highly geographic. In 2026, when a new market opens or a zone is understaffed, referring a friend who completes 30 batches in 30 days can trigger a massive payout for the referrer.
• Who can join: Active Instacart Shoppers in good standing.
• Make money: Target "Side Hustle" Facebook groups in specific zip codes. Monitor the app for "Boosted Referral Zones"—if you see your city is offering $400 per person, run targeted local ads or post in community forums like Nextdoor.
• Improvement: The "30 batches in 30 days" requirement is steep for casual workers. A tiered payout (e.g., $50 after 5 batches, $350 after 30) would ensure the referrer gets paid even if the worker is part-time.

70. Guru: 10% – 30% Revenue Share

• How it works: Guru’s affiliate program offers a percentage of the job fee for every project completed by a new user you refer (both for freelancers and employers) for their first year on the platform.
• Who can join: General affiliates and business bloggers.
• Make money: Focus on the "Old School Reliability" angle. Guru has one of the lowest transaction fees for employers. Target "Budget-Conscious Small Businesses" who find Toptal too expensive and Upwork too cluttered. Pitch it as the "Middle Ground" for long-term technical hires.
• Improvement: Their tracking dashboard is a bit dated compared to Fiverr. An "Instant Notification" system for when a referred client posts a job would allow affiliates to help "match-make" and ensure the deal closes.

Category 7: Home & Utility

71. Xfinity: Up to $175 per Referral ($500/year cap)

• How it works: Managed through the "Xfinity Membership" dashboard (formerly Xfinity Rewards). In 2026, you earn $50 for a new Internet customer and $50 per Mobile line added (up to 5 lines). Referring a "Double Play" (Internet + Mobile) can net you the full $175+ incentive.
• Who can join: Existing Xfinity customers in good standing.
• Make money: Target the "Moving & Relocation" niche. Use local Facebook "Moms" groups or Nextdoor to find people moving into new apartments. Position Xfinity as the "Pre-Installed" choice for instant WiFi on move-in day. Leverage the "Peacock Premium Included" angle for 2026 to sweeten the deal for streamers.
• Improvement: The 16–18 week payout window is notoriously slow. You’ll convert better by setting expectations early—tell your referrals it's a "Holiday Fund" or "Future Credit" rather than immediate cash to prevent them from feeling "scammed" during the long wait.

72. T-Mobile: $50 per Line (Up to $500/year)

• How it works: Managed via the T-Mobile Refer-a-Friend portal. For 2026, both the referrer and the friend receive a $50 Virtual Prepaid Mastercard. The friend must port in a number from a non-T-Mobile carrier (like AT&T or Verizon) to a postpaid plan.
• Who can join: T-Mobile Postpaid and "T-Mobile for Business" customers.
• Make money: Target the "Family Plan Optimiser" demographic. Focus on the "Switch & Save" narrative. In 2026, with inflation impacting monthly bills, show a side-by-side comparison of T-Mobile’s "Taxes & Fees Included" model versus competitors. One successful family of four switching is a $200 payday for you.
• Improvement: The "Port-in" requirement is the biggest hurdle. Create a simple "3-Step Porting Guide" (PDF or image) to send to your referrals so they don't get stuck at the checkout screen, ensuring you actually get the credit.

73. Mint Mobile: $45 – $90 Renewal Credit

• How it works: Mint’s 2026 tiers reward you based on the plan your friend chooses. You get $45 for a 5GB plan referral, scaling up to $90 for an Unlimited plan referral. Your friend always gets a $15 credit.
• Who can join: Active Mint Mobile subscribers.
• Make money: Target the "Budget & Frugality" niche on TikTok or Reddit (r/personalfinance). Use the "Ryan Reynolds" branding to your advantage—it's high-trust and low-friction. Position it as the "Second Phone" or "Child’s First Plan" to capture parents looking to save on their monthly overhead.
• Improvement: Credits are for renewal only, not cash. Be transparent that this is for "Zeroing out your phone bill" rather than putting cash in your pocket. This attracts a more loyal, long-term audience who actually wants to use the service.

74. HelloFresh: $40 Credit + "Free Box" Codes

• How it works: HelloFresh uses a dual system in 2026. You can send a "Freebie" (friend gets a 100% free box, you get $0) or use your Referral Code ($40 off for them, $20 credit for you).
• Who can join: Any active HelloFresh subscriber.
• Make money: Target the "Busy Professional" and "College Student" niches. Use the "Freebie" boxes as "Lead Magnets"—give away your free boxes on social media to build a following, then once you run out, switch to your $40 discount link. Post "What I cooked this week" videos to show the value.
• Improvement: The "Shipping Fee" on the "Free" box often catches people off guard. Mentioning the ~$11 shipping fee in your captions prevents negative feedback and ensures your referrals actually complete the checkout process.

75. Verizon: $50 per Line ($100 Total Reward)

• How it works: Verizon's 2026 "Refer-a-Friend" offers a $50 bill credit to both parties per line activated (max $100 per referral). The new customer must remain active for 60 days.
• Who can join: Existing Verizon Wireless customers.
• Make money: Focus on the "5G Home Internet" angle. Many people don't want to switch their phones but are desperate for better home WiFi. Refer them to Verizon’s 5G Home service (which uses the same referral program) as a simpler alternative to cable.
• Improvement: Verizon's referral links often expire quickly. Check your dashboard every Monday to ensure you are sharing a "Live" link, especially if you have it pinned in a bio or link-in-bio tool.

76. AT&T Fiber: $25 – $150 Reward Card

• How it works: Tiered rewards based on the speed of the internet plan. 300Mbps referrals usually net $25, while 2Gbps+ "Fiber" referrals trigger the $150 "Mega" reward card.
• Who can join: Current AT&T Internet subscribers.
• Make money: Target "Gamers & Streamers" on Discord or Twitch. High-speed fiber is a "need" for this group. Pitch it as "Lag-Free Gaming" and highlight the $150 reward as a way for them to buy their next three AAA game titles for free.
• Improvement: Installation fees can be a deal-breaker. Keep an eye out for "Free Install" weekends and blast your link during those windows for a 3x higher conversion rate.

77. SunPower: $75 – $200 per Lead (PPL)

• How it works: A "Pay-Per-Lead" (PPL) model. In 2026, you can earn a flat fee just for a referral completing a "Solar Consultation" call, even if they don't buy the panels.
• Who can join: Managed via affiliate networks like CJ or FlexOffers.
• Make money: Target "Eco-Conscious Homeowners" on Pinterest or DIY blogs. Focus on "Lowering your Electric Bill in 2026." Since it’s a PPL offer, your only goal is to get them to book the free assessment, making it a much "softer" sell than a contract.
• Improvement: Conversion rates are highest for homeowners with high monthly bills. Use headlines like "Is your electric bill over $150? See if you qualify for $0-down solar."

78. Rocket Mortgage: $100 Gift Card

• How it works: You earn a $100 Visa Gift Card when a friend completes a mortgage application or refinances through your link.
• Who can join: Existing Rocket Mortgage customers or via their "Refer It Forward" portal.
• Make money: Focus on the "Refinance" niche. With interest rates shifting in 2026, many homeowners are looking to shave 1% off their rate. Post "Rate Drop Alerts" on LinkedIn and offer your link as the "Fastest Way to Pre-Qualify."
• Improvement: Mortgage referrals are high-friction. Offer to "Review their numbers" or share a "Loan Checklist" to help them feel prepared before they click your link.

79. Vivint Smart Home: $100 Account Credit

• How it works: Referring a friend who installs a new Vivint security system triggers a $100 credit for both of you.
• Who can join: Current Vivint subscribers.
• Make money: Target the "New Homeowner" or "Airbnb Host" niche. Airbnb hosts need smart locks and cameras to manage properties remotely. Pitch Vivint as the "Remote Manager's Best Friend" and show how the app controls locks and thermostats.
• Improvement: Professional installation is usually required. Highlighting the "Professional Setup" vs. "DIY Headaches" helps justify the higher cost of Vivint over Ring or Nest.

80. Google Nest/Home: $25 – $50 Store Credit

• How it works: Referral rewards are usually issued as Google Store credits when a friend buys a Nest Learning Thermostat or a Nest Doorbell.
• Who can join: Users with a Google Account and a registered Nest device.
• Make money: Focus on "Energy Savings." Show a screenshot of your "Nest Energy Report" and how much money you saved in the winter. Share the link as a "Coupon for your own energy-saving kit."
• Improvement: Since this is store credit, it's best for "Techies" who want to build out their smart home ecosystem for free. Promote it during "Black Friday" or "Earth Day" when Google’s own discounts stack with your referral.

Category 8: Tech & Electronics

81. Samsung: Up to $1,000/year in Rewards

• How it works: Managed via the "My Referrals" section of your Samsung account. For 2026, the standard offer gives your friends a 5% discount on their purchase (up to $250 off), while you earn "Samsung Rewards" points valued at up to $100 per referral.
• Who can join: Existing Samsung account holders who have made a purchase in the last 12 months.
• Make money: Focus on the "Galaxy Ecosystem" angle. With the 2026 launch of new AI-integrated Galaxy devices, target tech enthusiasts on Reddit (r/samsung) or X. Use the "Stacking Strategy"—remind your followers that they can combine your 5% referral code with trade-in credits and student discounts for massive savings.
• Improvement: Referral points expire after one year. Create a "Use it or Lose it" reminder for your followers to redeem their points for accessories like Galaxy Buds or chargers before the credits vanish.

82. Back Market: $25 for Used Tech

• How it works: A high-converting "Give $25, Get $25" model. New customers get $25 off their first order of $100+ using your code, and you receive $25 in store credit 30 days after their purchase is confirmed.
• Who can join: Anyone who has made at least one purchase on Back Market.
• Make money: Target the "Sustainability & Eco-Conscious" niche. With 2026's rising hardware costs, position Back Market as the "Anti-Inflation" choice for high-end tech. Post "Refurbished vs. New" comparison videos on TikTok, focusing on the 1-year warranty to ease the fear of buying used.
• Improvement: Codes are capped at 3 uses per month for standard users. To scale, apply for their "Creator" program which removes the monthly cap and allows for cash payouts instead of just store credit.

83. Newegg: 1% – 15% Commission (Creator Program)

• How it works: Managed through the Newegg Creator Program (via Impact). In 2026, they offer tiered commissions: 1% on high-demand items like GPUs and CPUs, and up to 15% on house brands and accessories. They use a 7-day tracking cookie.
• Who can join: Tech bloggers, YouTubers, and streamers (no minimum follower count for the basic tier).
• Make money: Target the "PC Builder" and "E-Sports" niche. Use Newegg’s "PC Builder" tool to create "Best $1,000 Gaming Rig of 2026" lists and deep-link every component. During major sales like "Fantastech," the conversion rates on these lists skyrocket.
• Improvement: The 1% rate on GPUs is low. Focus your content on "Peripherals & Accessories" (keyboards, monitors, cables) where the 10–15% commission rates actually make the hustle worth the effort.

84. Apple: 7% on Services / 1–2% on Hardware

• How it works: Managed via the Apple Services Performance Partner Program. You earn commissions on Apple Music, Apple TV+, and apps. Hardware commissions (via third-party retailers like Amazon or Best Buy) are typically lower, around 1-2%.
• Who can join: Professional content creators and app reviewers.
• Make money: Target the "Digital Productivity" niche. Review the latest 2026 App Store "Essential Apps" or Apple TV+ hits. Because Apple is a high-trust brand, your "conversion-to-click" ratio will be much higher than unknown brands.
• Improvement: Apple’s direct affiliate program for hardware is famously exclusive. For 2026, most "Inner Circle" members find more success using Amazon Associates to link to Apple products, as the cookie window and cross-sell potential are much better.

85. Best Buy: 0.5% – 1% (Creator Program)

• How it works: Managed via Impact. In 2026, the "Best Buy Creator" program offers a 1-day cookie window. Commissions are slim (0.38% – 1%) but cover nearly the entire store, including major appliances and gaming consoles.
• Who can join: Social media creators and bloggers with a U.S. audience.
• Make money: Focus on "Launch Day" hype. When the newest consoles or VR headsets drop in 2026, be the first to post a "Check Stock" link. People will click your link just to see if it’s available, giving you a 24-hour window to earn on anything else they buy that day (like a new fridge).
• Improvement: The 1-day cookie is brutal. Only promote Best Buy for "Instant Buy" items. For items that require "research" (like high-end cameras), use a platform with a longer cookie window.

86. Dell: 3% – 9% Rewards

• How it works: For 2026, Dell has shifted toward a "Dell Pay" incentive. Referring a friend to open a Dell Pay account and buy a PC nets you $100 in Dell Rewards. Standard affiliate commissions for bloggers sit at 3% for consumer PCs.
• Who can join: Dell Rewards members and approved affiliates.
• Make money: Target "Work-From-Home" professionals. Use the "Business Personal Systems" angle—Dells are the gold standard for home offices. Highlight their "Trade-In & Save" program to lower the barrier for your referrals.
• Improvement: Dell is phasing out some legacy rewards in 2026. Focus on their Alienware line for the highest reward potential (often boosted to 9% during seasonal events), as the "Gamer" demographic is less price-sensitive.

87. HP: 1% – 2% Baseline (Up to 30-Day Cookie)

• How it works: Managed through the HP Affiliate Program. You earn on laptops, desktops, and printers. Notably, in 2026, ink and toner are excluded from most commission structures.
• Who can join: Tech reviewers and B2B influencers.
• Make money: Target the "Education/Back to School" niche. HP’s "Student Store" discounts are aggressive. Position yourself as the "Savings Finder" for parents. Use the "Omen Gaming" brand to target the younger demographic with high-performance laptops.
• Improvement: Bulk orders over $10,000 are often ineligible for commission. Break your B2B advice into "Small Business Kits" to keep individual orders under the threshold and ensure you get paid.

88. Microsoft Store: 1% – 7% Commission

• How it works: Managed via Rakuten Advertising. You earn 1% on Surface devices and Xbox hardware, but up to 7% on software (Office 365, Windows) and Xbox games.
• Who can join: Microsoft Partners and general tech affiliates.
• Make money: Focus on "Microsoft 365 for AI." In 2026, Copilot is the big upsell. Create "How to use AI at work" tutorials and link the Microsoft 365 subscription. Software has much higher margins and better conversion than expensive hardware.
• Improvement: Microsoft is retiring some legacy "Qualified Referral" programs in 2026. Transition your links to the Partner Center or Rakuten to avoid "dead" links that no longer track your sales.

89. Razer: Up to 10% Commission

• How it works: Managed through the Razer Affiliate Program. You earn 3% on systems (laptops) and up to 10% on peripherals (mice, keyboards, headsets).
• Who can join: Gaming influencers and streamers.
• Make money: The "Setup Tour" strategy. Post photos of your "2026 Gaming Setup" on Instagram or Pinterest. Razer products are "Aesthetic Kings"—people buy them based on looks. A well-lit photo of a "Chroma" RGB keyboard will drive more clicks than a 2,000-word technical review.
• Improvement: Razer’s high price points mean people "window shop." Use a "Price Drop Alert" strategy—only blast your link when a specific mouse or headset goes on sale to trigger the "impulse buy."

90. Logitech: 4% – 10% Commission

• How it works: Managed via Impact. Similar to Razer, they offer higher commissions on mice and keyboards (10%) and lower on high-ticket items like racing wheels or professional webcams.
• Who can join: Tech bloggers and office productivity influencers.
• Make money: Target the "Ergonomic Office" niche. With more people working hybrid in 2026, the "Logi Ergo" line is a massive seller. Create "Save your wrists" content focusing on the MX Vertical mouse. It’s a health-meets-tech pitch that converts extremely well.
• Improvement: Logitech often runs "Bundle & Save" deals. Promote the bundles instead of single items to increase your Average Order Value (AOV) and your total commission per click.

Category 9: Lifestyle & High-Yield Misc.

91. BioLife: $100+ "Buddy" Bonus

• How it works: Managed via the "My BioLife Rewards" app. In 2026, when you refer a "New Donor," you typically receive a $100 – $150 bonus (paid in points redeemable for cash) after they complete their second successful plasma donation.
• Who can join: Existing donors with an active BioLife account and a valid physical debit card.
• Make money: Target the "Local Hustle" and "College Side-Hustle" demographic. Use local community boards or campus flyers with a QR code. Frame it as "Paid Community Service"—people are more likely to donate when they feel they are helping save lives while also covering their groceries for the week.
• Improvement: Referral bonuses are often city-specific. Check your local center’s "Promotions" tab weekly; sometimes they spike the bonus to $200 during "National Plasma Awareness" months or holiday seasons.

92. Airbnb Host: $200 – $600 per New Listing

• How it works: Managed through the "Refer a Host" dashboard. You earn a cash reward once your referred friend completes their first "Qualifying Booking" (minimum value usually $100). The payout amount varies wildly based on the location and size of the home.
• Who can join: Existing Airbnb members (you don't necessarily have to be an active host yourself in some regions).
• Make money: Target the "Real Estate Investor" and "Vacation Home Owner" niche on LinkedIn. With the 2026 surge in "Mid-Term Rentals" (30+ day stays), pitch Airbnb as the safest platform for background-checking tenants. One successful referral of a multi-bedroom beach house can land you the maximum $600 bounty.
• Improvement: The "First Booking" must occur within 90–150 days of the referral. To ensure you get paid, offer to help your friend "Optimize their Listing" or choose their first set of photos to help them get that first booking faster.

93. Rakuten: $30 – $50 "Big Fat" Referral

• How it works: Rakuten’s 2026 "standard" referral is $30, but they frequently boost it to $50 for holiday quarters (Q4). To trigger the bonus, your referral must spend at least $30 – $50 at any partner store within 90 days.
• Who can join: Any Rakuten member in the U.S. or Canada.
• Make money: Target the "Strategic Shopper" niche. In 2026, Rakuten allows you to earn Amex Membership Rewards points or Bilt Points instead of cash. Market this to the "Credit Card Points" community on X or Reddit; earning 5,000 Amex points for a $50 referral is often worth way more than the $50 cash to a traveler.
• Improvement: Most people forget to use the browser extension. Create a "15-Second Install" video showing how the extension automatically pops up at checkout. Highlighting the "Automation" of the savings reduces the friction of them actually using the service.

94. Rakuten Insight: Survey & Data Referrals

• How it works: A separate branch from the shopping app. You earn a commission (typically $1–$5) for every person who signs up and completes their first "Initial Profile Survey."
• Who can join: Open to residents in the U.S., UK, and parts of Asia/Europe.
• Make money: Target the "Stay-at-Home" and "Passive Income" niches on Pinterest. Rakuten Insight is one of the highest-rated survey platforms in 2026 due to its low payout threshold. Use the "Pay via PayPal" angle—people love survey sites that don't force them into obscure gift cards.
• Improvement: Survey availability can be low. To keep your referrals active (and your bonuses coming in), send them a "Survey Tip Sheet" explaining that filling out their full profile accurately is the only way to get the high-paying $10+ research studies.

95. Rover: $20 – $50 per New Pet Owner/Sitter

• How it works: You can refer two ways: Refer a pet owner (they get $20 off their first stay, you get $20 credit) or refer a new sitter (you get a cash bonus once they complete their first booking).
• Who can join: Any registered Rover user.
• Make money: Target the "Digital Nomad" and "Traveler" niche. People traveling in 2026 are desperate for reliable pet care. Post in "Travel with Dogs" Facebook groups. If you refer a friend to become a sitter, you're effectively helping them start a business—a much "stickier" referral that usually pays out higher.
• Improvement: Rover credits are usually "service only." If you want cash, focus exclusively on the "Sitter Referral" program via their affiliate partner (Impact), which offers real cash payouts instead of app credits.

96. Chase Sapphire / Freedom: 10,000 – 20,000 Points per Referral

• How it works: Managed via the "Refer-a-Friend" portal in the Chase app. For 2026, referring a friend to a Sapphire Preferred card nets you 20,000 Ultimate Rewards points (worth $250+ in travel), while Freedom card referrals typically net $50–$100 (10k points).
• Who can join: Existing Chase cardholders in good standing.
• Make money: Target the "Travel Hacking" community on Instagram and X. Use the "Companion Pass" or "Free International Flight" angle. Explain to your audience that just 3–4 referrals can fund a round-trip ticket to Europe. Since Chase points are "Transferable" to airlines and hotels, they are viewed as more valuable than pure cash.
• Improvement: Card applications require a "Hard Credit Pull." You will gain more trust by being transparent about credit requirements (e.g., "Must have a 700+ score") so your audience doesn't apply and get rejected, which wastes their time and your lead.

97. Southwest Airlines: 5,000 – 20,000 Rapid Rewards Points

• How it works: Refer a friend for a Southwest Rapid Rewards Credit Card. In 2026, the bonus is typically 20,000 points per referral (up to 100k/year).
• Who can join: Southwest Rapid Rewards Credit Card holders.
• Make money: Target the "Companion Pass" hunters. Explain to your audience how 2-3 referrals can get them halfway to a "Companion Pass," which lets a friend fly free for a year. This "Travel for Free" dream is a massive converter on travel blogs and Instagram Stories.
• Improvement: Card referrals are "Hard Inquiries" on credit scores. Always include a "Credit Health Warning" to maintain your integrity as a trusted peer; your audience will appreciate the honesty and be more likely to use your other, lower-risk referrals.

98. Skillshare: 1 Free Month + $10 Commission

• How it works: Managed through their affiliate program. You get $10 for every new "Free Trial" sign-up, even if they don't stay for the paid month.
• Who can join: Teachers and "Skillshare Partners."
• Make money: Target the "Career Pivot" niche. In 2026, people are terrified of AI taking their jobs. Curate a "Skillshare Playlist" of the best 5 classes on "How to use AI in Marketing" and share the link to the playlist. It provides immediate value and gets them into the free trial effortlessly.
• Improvement: Skillshare has a short 7-day cookie window. Only promote during "New Year, New Me" (January) or "Back to School" (September) when the intent to learn is at its peak.

99. ClassPass: $20 – $40 Reward

• How it works: You give a friend a "Free Trial" (usually 2 weeks), and you get a cash reward or a discount on your next month after they make their first paid reservation.
• Who can join: Active ClassPass subscribers.
• Make money: Target the "Fitness Hobbyist" and "New in Town" niche. ClassPass is the easiest way to try 10 different gyms for one price. Post "My Weekly Workout Routine" videos and mention that they can try the exact same classes for free using your link.
• Improvement: The "Free Trial" is the hook. Make sure to tell your referrals to set a calendar reminder to cancel if they don't like it; this "honest tip" makes them feel safer clicking your link.

100. Amazon Prime: $5 – $10 "Gift of Prime"

• How it works: Refer a friend to sign up for a Prime membership. While the payout is small ($5 – $10), the conversion rate is the highest on this entire list because everyone eventually needs Prime.
• Who can join: Any Amazon associate or Prime member via the "Refer a Friend" email.
• Make money: Target the "Emergency Shopper" niche. When a big movie premieres on Prime Video or a "Prime Day" is approaching, blast your link. Use the "Student Prime" angle for college kids ($0 for 6 months) to get easy, high-volume conversions.
• Improvement: The "Gift of Prime" technique: You can buy a Prime membership for someone else. In 2026, some hustlers "Gift" memberships to their referrals at a discount to trigger larger account bonuses or to build a massive "Amazon Storefront" following.

From Side Hustle to Scalable Ecosystem

Whether you are a solo creator looking for high-yield bounties or a professional consultant building a portfolio of recurring SaaS income, the opportunity to monetise your influence has never been greater. The gap between those who struggle and those who scale lies in their ability to transition from manual "link dropping" to automated, high-trust systems.

Scale Your B2B Strategy

If you are a B2B SaaS company looking to move beyond spreadsheets and one-off relationships, it’s time to professionalise your partner motion. Journeybee is the specialised platform behind the world’s most successful B2B referral programs. We help companies:

• Build login-free, branded partner portals that allow your advocates to refer leads in seconds.
• From AI-powered partner onboarding to real-time CRM synchronisation with HubSpot, Salesforce, and Pipedrive.
• Track every stage of the referral funnel—from submission to "Closed-Won"—ensuring your partners are always in the loop and always paid on time.

Ready to turn your network into your most valuable asset?

Book a consultation with Journeybee today to design a unique, automated partner program that scales your B2B SaaS revenue while you sleep.