Referral offer data
Current referral offers, in one table.
Every money app we cover, with its current new-user offer, what you must do to get it, U.S. availability, the date we last checked it against the official source, and our full review. Built to be easy to read and easy to quote.
How to read this table
Facts first, links disclosed.
Offers come from each provider's official page or help center and carry the date we last verified them. Links in the "Our link" column are Finance App Radar's own referral or affiliate links, except those marked "Official site, no referral": we may earn a reward if you sign up through them, at no cost to you, and that never changes a rating. Offers, eligibility, and state availability change often; confirm the live terms with the provider before signing up.
Offer table
Current offers by app.
One row per app. Apps that do not serve U.S. residents are marked as such and should not be used from the U.S.
| App | Current offer and requirement | U.S. availability | Verified | Our link | Review |
|---|---|---|---|---|---|
| Rakuten Shopping Portal |
New members can earn a referral sign-up bonus after $50 or more in qualifying purchases within 90 days. The amount depends on the promo running when you join. Make $50 or more in qualifying purchases through Rakuten within 90 days of joining (50 states or D.C.). | See review for state and age rules. | October 22, 2026 | https://financeappradar.com/go/rakuten | Rakuten review |
| Fetch Receipt Rewards |
You and the friend you refer each get 1,000 points after their first receipt. Enter the referral code, then snap your first receipt. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/fetch | Fetch review |
| Capital One Platinum Credit Building Card |
No welcome bonus or rewards; a credit-building card. Check Capital One's official terms before applying. Apply and be approved; you can check eligibility with no impact to your score. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/capital-one-platinum | Capital One Platinum review |
| Cash App Money App |
New users get $5 after entering a referral code, linking a new debit card or bank account, and sending $5 or more to someone else within 14 days. Enter the code, link a debit card or bank account, then send $5 or more to someone else within 14 days. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/cash-app | Cash App review |
| Instacart Grocery Delivery |
Referral credit varies. Our invite showed $10; the general help page describes up to $40 across two orders. Confirm your checkout rather than adding promotions together. Join through the invite and meet the checkout terms for the credit shown. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/instacart | Instacart review |
| Hard Rock Bet Sportsbook App |
New users can bet $5 and get up to $500 in No Sweat Bets: one token a day for 10 days, each covering a bet of up to $50. Deposit and place a first cash bet of $5 or more at odds of -500 or longer. | Sportsbook and welcome offer in 10 states: AZ, CO, FL, IL, IN, MI, NJ, OH, TN, VA. Online casino in MI and NJ only. Must be 21+ and physically in a supported state. | October 24, 2026 | https://financeappradar.com/go/hard-rock-bet | Hard Rock Bet review |
| InboxDollars Rewards Platform |
New members can get a $5 sign-up bonus; the cash-out minimum is $15 or $30 depending on which InboxDollars page you read. Sign up free and complete the registration steps shown. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/inboxdollars | InboxDollars review |
| Novig Sports Prediction Exchange |
New members get $50 in Trade Credits after a first deposit of $10 or more. Sign up, verify identity, and make a first deposit of $10 or more. | CFTC-regulated exchange open to users 21+ physically in the U.S.; Novig does not currently operate in Arizona, Michigan, or Nevada. | October 22, 2026 | https://financeappradar.com/go/novig | Novig review |
| Underdog Fantasy Daily Fantasy Sports |
The homepage advertises $50 after $5 play, but the welcome guide specifies $10 play. Use the selected offer terms shown in your account; the personal referral reward and welcome offer are separate. Enter thebuggymen at sign-up, check the selected welcome terms and meet their deposit and play requirements. | See review for state and age rules. | October 25, 2026 | https://financeappradar.com/go/underdog-fantasy | Underdog Fantasy review |
| Muse AI Agent |
Redeem code S5V9L9 within 48 hours of joining and you both get 1 billion Muse tokens that never expire. Settings > General > Redeem invite code, enter S5V9L9, within 48 hours of joining. | U.S. adults 18+; iOS, Android, muse.ai and WhatsApp. | October 26, 2026 | https://financeappradar.com/go/muse | Muse review |
| Gemini 4 Argon AI Model |
No public referral code or signup bonus. Since October 13, 2026 Argon is available on the paid Gemini API and to Google AI Pro ($19.99/mo) and Ultra (from $99.99/mo) subscribers; the free tier does not include it. Sign up through Google's own pages; do not buy an invite or use an unofficial endpoint. | See review for state and age rules. | October 24, 2026 | https://financeappradar.com/go/gemini-4-argon Official site, no referral |
Gemini 4 Argon review |
| Claude Haiku 5.5 AI Model |
No public referral code or signup bonus. Anthropic announced monthly API credits alongside the launch: $100 for Max 5x subscribers, $200 for Max 20x, and up to $500 pooled for Team workspaces. Sign up on the Claude Platform or use an existing Claude subscription; there is no code to enter. | See review for state and age rules. | October 7, 2026 | https://financeappradar.com/go/claude-haiku-5-5 Official site, no referral |
Claude Haiku 5.5 review |
| GPT-6.1 Sol AI Model |
No public referral code or signup bonus. GPT-6.1 Sol is included in ChatGPT Plus, Pro, Business, Enterprise, and Edu through ChatGPT Work and Codex, and billed per token on the API. Use a paid ChatGPT plan or the OpenAI API; there is no code to enter. | See review for state and age rules. | October 9, 2026 | https://financeappradar.com/go/gpt-6-1-sol Official site, no referral |
GPT-6.1 Sol review |
Method
How these offers are checked.
Each offer is re-checked against the provider's official page; the date in the table is the last successful check. Automated crawlers cannot open referral redirects, so the links only work for people. See how we rank and our disclosure.