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12/30/25
TopCashback's Increased $50 Referral Bonuses End Tonight! [US, UK, FR, DE, CN]
https://www.referralworldnews.com/go/topcashback
TopCashback is rewarding US and Canadian members with unlimited $10 $50 referral bonuses through tonight (12/30)! There’s no signup bonus for new users, but your referees will trigger the $40 payout for you when they join and earn $10 in cashback within 180 days from signing up. You’ll get your own link, so you can start stacking $50 payouts right away. More info in my featured post here. And for more fantastic cashback bonuses, see my featured post here.
Chime Members: Send $10, Get $10 Free! (Targeted, Ends 12/31; US]
https://www.referralworldnews.com/go/chime
Attention Chime members: check your emails/app. The popular mobile banking app is running a short-window, targeted promo for existing members. This is not public and not referral-based. You only qualify if Chime emailed you or sent you an in-app notification about it. The email subject line reads "Last day to gift $10, get $10!" implying that today is the last day, though the fine print lists tomorrow (12/31 10 AM PST) as the end date.
If you received the invite, the requirement is simple. Send $10 or more using Chime’s "Pay Anyone" feature and include the 🎁 gift emoji in the transfer note. You can send it to another Chime user or to someone who does not use Chime. You can only do this once, and your account must be in good standing with at least one physical Chime Visa debit card activated.
If you send the $10 to a non-Chime user, the recipient must claim the money using a U.S. debit card or by opening a Chime account, and they must do it no later than 12 hours after the promotion ends. If they claim it late, the bonus is forfeited.
This promo is capped at 70,000 total rewards across all users. Chime will post an in-app notification once that limit is reached. Any transfers sent after that notice will not qualify, even if the calendar date has not passed yet. The official end time is 12/31 at 10 AM Pacific, but the cap could end it sooner.
The $10 bonus is not instant. Chime says it will be deposited into your Chime Checking account within 30 business days after all conditions are met. They also reserve the right to delay payment while they verify eligibility.
If you got the email, this one's a no-brainer. Just move quickly, use the 🎁 emoji, and send it to someone who will claim it right away!
If you haven't signed up for Chime, yet, you can find info on the current $100-$200 signup and referral bonuses in my featured post here.
MyAppFree's Increased, Instant $15 Bonuses [US, Brazil, EU; Ends 1/4]!
https://www.referralworldnews.com/go/myappfree - code ZQZJWEMP
Great news: MyAppFree's increased, instant $15 referral bonus promotion has returned and runs through 11/30 11:59 Pacific Time.
If you haven't signed up yet, you can get a $3 signup bonus with your first $3 cashout, and you will be able to immediately earn $15 referral bonuses for everyone who does the same using your link/code.
More info on MyAppFree's promo and recommendations for quickly triggering the bonus can be found in my featured post here.
12/29/25
New App: Coverd hits Referral World [US]
Android | iOS - RWN supporter Cassandra L's code: K79TV082
Coverd is a new gamified finance app that is spreading quickly through referral groups. This is not a traditional cashback app. Rewards are earned by playing in-app games using Coverd Cash, which functions as play credit rather than guaranteed money.
New users who sign up and link a bank account receive 25 Coverd Cash. After signup, tapping the card icon in the top right allows users to purchase a $5 coin package. Completing that purchase triggers a $10 Coverd Cash referral bonus for both the new user and the referrer. In total, users start with 35 Coverd Cash to use inside the app.
Coverd Cash cannot be withdrawn directly. It must be used to enter games within the app. If a game is won, the payout is real cash. Results vary by game, and there is no guaranteed return. This structure places Coverd in the skill-based or game-style rewards category rather than standard cashback.
Any real cash winnings can be redeemed to credit cards only. There is no instant payout. Processing time is typically 3 to 5 business days. Claims about Coverd paying off credit cards refer to users withdrawing winnings and then paying their cards manually. The app does not apply payments on your behalf.
Coverd is currently unavailable in several states due to regulatory restrictions. The app cannot operate in California, Idaho, Montana, Nevada, New Jersey, New York, Utah, Washington, or Wyoming. Location is verified using your internet connection, and users in restricted states cannot receive Coverd Cash or redeem rewards.
This app is best viewed as a game-based rewards experience, not free money. Users should understand the rules before signing up and playing.
Because I'm in one of the restricted states, I can't sign up, but you can use RWN supporter Cassandra L.'s code K79TV082 
Future's $20 Instant Bonuses, Plus 50% Off! [Ends 12/31; US]
https://www.referralworldnews.com/go/future
If you’re a Future member, check your texts. Future is offering its paid FuturePass plan for $49.99 per year (with a 7-day free trial). This is half off the regular $99.99 price when you upgrade from the free tier by 12/31. This discount doesn't seem to appear in the app itself, so you’ll need to use the direct link (pasted at the bottom of this article to use once you're signed up for Future). I typically try to avoid banking fees and paid upgrades at all costs, but after weighing the benefits, I'm doing this one myself because it will pay for itself within the first month!
If you’re unfamiliar with Future, it’s a US-based banking app built around a debit card that pays cashback on everyday spending. Instead of holding your money and doing nothing with it, Future rewards purchases like groceries, utilities, transit, streaming, and EV-related spending, all without a credit check or credit card debt. Cashback earns automatically when you use the card and can be converted to cash or applied directly to your balance. And even better, new users can earn an instant $5 when they sign up and fund their account with $10, and another instant $15 after spending $50 anywhere ($20 signup bonus in total, along with $15 referral bonuses).
Savvy credit card churners often maximize cashback by cycling through multiple cards and tracking category bonuses, statement credits, and merchant-specific perks. That works, but it's not a luxury everyone has, since most require approvals, high credit scores, high credit limits, and ongoing management. Future simplifies that process. You can use one debit card for everyday spending and still earn cashback across a wide range of categories, without needing a high credit score or juggling multiple accounts. Benefits aren’t tied to your credit score, and there’s no credit card involved.
Even without FuturePass, the free version of Future already offers cashback in everyday categories that typical bank debit cards don’t. Spending earns automatically, and there’s no rotating category schedule to track.
FuturePass builds on that free tier by expanding cashback into groceries, phone bills, streaming, and EV-related spending, all with monthly caps. At the current discounted price, many users find that the annual fee can be offset quickly just through normal monthly spending.
FutureCard free tier
• 1% unlimited cashback on eligible purchases
• 5% cashback with monthly caps on:
• Public transit, up to $10 per month
• Thrift and secondhand stores, up to $5 per month
• Electric and gas utility bills, up to $5 per month
• Bike sharing, bike shops, e-scooters, and EV rideshare, up to $5 per month
FuturePass additional cashback
• Groceries, 5% cashback up to $20 per month
• Phone bill, 5% cashback up to $5 per month
• Streaming services, 5% cashback up to $5 per month
• EV charging, 10% cashback up to $10 per month
• Community solar, 10% cashback up to $10 per month
After you hit a category cap, spending in that category earns 1% for the rest of the month.
Another part of Future that doesn’t always get mentioned is the surprise perks. They regularly text members with short-term offers, such as 100% cash back on their next coffee shop purchase or similar one-off boosts. These offers typically fall in the $5 to $15 range and stack on top of regular cashback.
Most bank debit cards offer no rewards at all. You spend, and that’s it. Future builds cashback into everyday debit spending without requiring credit approval or debt. For people who prefer debit cards but still want cashback rewards, along with an instant signup and referral bonuses, I recommend considering Future.
If you're interested, be sure to first use this link to sign up for Future if you're not currently a member, and once you are, check your texts or use this link for the discounted FuturePass promotion (https://secure.future.green/#/login?destination=/account/futurepass/enroll). Note that this offer is only available to new and current members who aren't already subscribed to FuturePass. More info about Future in my featured post here.
12/28/25
Freecash's Targeted Bonuses are Back, up to $100! [Worldwide]
https://www.referralworldnews.com/go/freecash
If you have Freecash, check your app right away, as the popular GPT app is running another round of targeted, boosted referral promotions. Instead of the usual $12.50 referral bonuses, you can now earn up to $100 for 7 days for each of your first three referrals (YMMV).
If you haven’t signed up yet, Freecash is still one of the top instant apps in Referral World. You’ll get a $5 instant sign-up bonus just for downloading any game or app through them. Your first three referrals can net anywhere from $12.50 to $100 each. I’ve personally cleared over $2.9K with them since last year. More info here.
Lemon8 is Still Paying Instantly! [US]
https://www.referralworldnews.com/go/lemon8
Earlier this month, Lemon8 took Referral World by storm. It was practically all one would see while scrolling through referral groups like Easy Paying Referral Apps 2. This week, it's died down considerably, because most of the earlybirds maxed out their $135 referral bonuses. This is excellent news for folks who haven't signed up yet because the social media app is still paying and still paying instantly!
If you haven't signed up yet, there's no signup bonus, but signing up lets you invite others and earn instant gift cards for new members (several to choose from, including Amazon). Refer one new person, get $10 instantly. Refer two more, get another $25. And refer 10 more, get another $100. The $25 and $100 bonuses are typically instant but may take a few days based on the current supply (my $10 and $25 were instant but the $100 took 3 days to receive).
Existing Lemon8 members can also use your link. You'll get surprise boxes from their signups that can get you any of several great prizes (like Nintendo Switch, iPad 11, AirPods Pro 3, and several others). I have found that it's more likely these surprise boxes will reward digital in-app gifts, though I have received a few $1 and $5 instant gift card bonuses, and I've seen others who received $20 and higher.
Lemon8 is one of my top December earners, and I highly recommend it for its instant/near-instant payouts and no spend/deposit requirement. See my featured post here for step-by-step instructions on signing up and being counted as a new member.
12/27/25
NEW: Price.com – $10 Signup, $30 Referrals! [Multiple Countries]
https://www.referralworldnews.com/go/price
A new cashback portal, Price.com, is viral in Referral World with a new promo and easy offer to trigger the signup and referral bonuses. New users can earn a $10 signup bonus and $30 unlimited referral bonuses. To earn the signup bonus, sign up and earn $10 in cashback from qualifying purchases within 90 days. Cashout options include PayPal, Venmo, Zelle, debit card, crypto, or gift cards.
One of the easiest ways to trigger the signup bonus is the Gamer Saloon offer, which pays $10.60 in cashback when you sign up through Price.com and deposit $10. That single offer can cover the $10 cashback requirement and unlock the signup bonus.
Cashback usually tracks within 72 hours, but confirmation can take up to 90 days, depending on the merchant. Once confirmed, earnings can be withdrawn to your choice of PayPal, Venmo, Zelle, debit card, crypto, or gift cards.
Price.com is available in the United States, Australia, Austria, Belgium, Brazil, Canada, France, Germany, Greece, Hong Kong, India, Israel, Kenya, Nigeria, the Philippines, Saudi Arabia, Switzerland, the United Arab Emirates, and the United Kingdom. Price.com is partnered with over 100,000 online and in-store retailers.
More info in my featured post here, and you can find more cashback portal offers in my list here.
Chase Freedom Unlimited's Increased $300 Signup Bonus! [US]
If you're looking to sign up for a new credit card, Chase Freedom Unlimited just increased its signup bonus by 50% for a limited time. Right now, you'll get a $300 signup bonus when you enroll and spend $500 or more within the first 3 months. You can earn $50 referral bonuses as well. For more information, see my featured post here, and for even more great credit card offers, see my featured list here.
Fetch's Increased $4 Referral Bonuses! [Ends 12/29; US, PR]
https://www.referralworldnews.com/go/fetch (code XRGUGB)
The receipt-scanning/cashback app Fetch is offering an increased $4 referral bonus promotion, ending 12/29. Signup bonuses are $2 when you scan your first receipt.
Fetch is a great way to score gift cards and other cashback rewards by scanning your shopping receipts and connecting your Amazon, Walmart, and email accounts to the app. For more information about Fetch, see my featured post here. For similar receipt-scanning and cashback apps, see my Featured Cashback Bonuses post.
Signup and Referral Bonuses Ending Soon!
https://www.referralworldnews.com/endingsoon
With only a few days left in 2025, several bonuses are coming to an end. You can see the comprehensive list of these limited-time offers with current bonuses, info, and end dates here.
Stack Kraken With TopCashback to Earn $277! [US]
https://www.referralworldnews.com/kraken - invite code rypcw4qq
Kraken is offering an easy $75 signup promo right now, and what makes this Kraken offer so great is that you can stack it with an increased $202 TopCashback promo. This is a U.S. offer that requires a $200 crypto trade, excluding stablecoins. Deposit at least $205 to cover the trading fee, or sign up for the free 1-month Pro trial to avoid trading fees (tip: create a virtual card with Privacy app)
You can sell your crypto once the trade settles. Some users see a 72-hour hold. Some see up to 7 days. YMMV.
Signup steps:
If stacking with TopCashback promo, go to TopCashback and search "Kraken" to find the $202 cash back offer.
Sign up for Kraken and be sure to enter rypcw4qq for the invite code.
Deposit $200 within 30 days of opening your account.
Complete a $200 trade to trigger the $75 BTC bonus. Do not buy a stablecoin for the qualifying trade; stablecoins do not trigger the bonus. Choose Bitcoin or another cryptocurrency.
For a complete walkthrough and additional information, see my featured post here.
OKX's $100 Signup, $200 Referrals, 5% Match Bonus! [Ends 1/6; US]
https://www.referralworldnews.com/go/okx
OKX just started a new promo. You can earn a $100 signup bonus and up to $1K in referral bonuses through 1/6. To earn the deposit bonus, just sign up, complete the KYC verification, deposit $200 or more, use it to buy USDG (stablecoin) and hold for 30 days. And you can earn a $200 referral bonus for the first five people who sign up using your link and do the same.
Additionally, through 1/5, OKX is offering an extra $50 match bonus for every $1,000 in bonuses and deposits you receive (this includes your signup and referral bonuses). To receive the match bonuses, you need to keep your earnings in your account for 90 days.
More info in my featured post here.
12/25/25
Merry Christmas!
RWN wishes you and yours a very Merry Christmas, Happy Kwanzaa, and Happy Boxing Day! I'm taking a holiday break and will return on Saturday, 12/27!
12/24/25
Merry Christmas Eve!
RWN wishes you and yours a Merry Christmas Eve and Happy Holidays!
My List of December's Top Earners is Here! [Multiple Countries]
https://www.referralworldnews.com/whales
Each month, I review earned bonuses from the 100+ apps I refer and feature the top-earning apps. This month, I'm sharing the top 15 apps that have earned me over $7.5K in bonuses (and counting). The list is ranked in order from highest to lowest earnings and will be updated daily through the end of the month! Totals, screenshots, and info here.
I Scored Over $5.5K From MoneyLion This Month!
https://mlion.us/$55BONUS - code $55BONUS
MoneyLion continues to "sleigh". I received another $330 last night, and this is the fourth consecutive month where I've reached record highs! December is already my highest single-month earnings since I signed up a few years ago. I've already received $5,900 so far this month, and there's still over a week left! I can't recommend Moneylion highly enough as it's one of the easiest banks to score bonuses from: $5 signup bonus with no deposit or spend requirement, and another $50 deposit bonus by receiving a $100+ direct deposit - from your employer, for instance - or by making a $100+ transfer from within Current or Found. You can also earn unlimited $5-$55+ referral bonuses!
See my featured MoneyLion post for proof and more info, and check out my Featured Banks list for more great bank bonuses and tips to trigger them.
Scrambly's 2X Earnings, $50 "Comeback" Promos! [Ends Tonight; US, JP, KOR]
https://www.referralworldnews.com/scrambly
If you have Scrambly, check your emails. The GPT app has sent two emails. One email advertises their 2x earnings promo, and the other offers a "MEGA $50" comeback promo that only requires you to cash out $15 in a single transaction to receive the $50 bonus.
You must activate the offers via the buttons in the emails by tonight.
If you haven't signed up yet, Scrambly has a new short-term affiliate booster that pays $17 per referral for 5 days when you redeem affiliate code SUGAR. The code is limited to the first 300 redemptions.
In addition, Scrambly is running a Weekly Cash Challenge. Users who complete enough offer steps by Thursday can earn random cash prizes ranging from $0.50 up to $50, with rewards posting on Friday.
This cluster of promotions is available in the United States, Japan, and South Korea. More info here.
Benjamin to Sell our Data on 12/27. Here's how to opt out! [US]
Benjamin, a GPT app, announced to members in-app this week that they will be selling our data to third parties on 12/27 (in just three days). 
The pop-up leads members to the Privacy Policy, which details:
Beginning December 27th, 2025, we may sell or share certain categories of personal information with third parties for the purposes described in this Privacy Policy. “Sell” and “Share” have the meanings provided in applicable privacy laws, including the CCPA/CPRA and other state privacy laws.
Categories of Personal Information We May Share or Sell
We may sell the following categories of personal information:
Identifiers (e.g., email address, mobile advertising ID (MAID)
Inferences derived from the above categories.
We do not sell personal information that we know relates to children under 16 years of age without the required opt-in consent.
Categories of Third Parties Who Receive Personal Information
The categories of third parties to whom we sell or share personal information may include:
Marketing and advertising partners
Data analytics providers
Business partners and data cooperatives
Affiliates and service providers acting as independent controllers
Purposes of Sale or Sharing
We may use certain consumer transaction data to create anonymized advertising audiences, which may be shared with trusted advertising partners to deliver more relevant marketing or to help measure advertising performance. We never share information that personally identifies you.
Your Right to Opt Out
You have the right to opt out of the sale or sharing of your personal information at any time.
You can submit an opt-out request using the following methods:
Online: Via our Request Form
Email: Contact us at [email protected]
While the terms state you can opt out at anytime, I highly recommend you do so immediately so that your information is not included in what's sold on 12/27.
This is just the latest move in a series leading me to believe Benjamin is having financial troubles. Last month, Benjamin strongly encouraged us all to keep our earnings in our accounts and not withdraw them, so we'd have extra entries for a cash sweepstakes they were running. Shortly after, they blocked the ability to withdraw entirely for several days (if not a few weeks). This month, it's the same story: there's an upcoming sweepstakes. The whole experience gives me PTSD because a few years back, BIGToken pulled a similar stunt, encouraging everyone not withdraw. At the same time, they revamped their app (supposed to take a couple of weeks), and we'd be rewarded with double our cash balance. But that was all a lie. In reality, the SEC revoked BIGtoken’s public securities registration because the company stopped filing required reports after 2021, and its stock was no longer quoted or traded.
I made multiple withdrawal requests to withdraw my earnings over the past week, but I haven't received any yet, and I'm not alone. Several members have reported the same on Reddit and other social media/review sites.
Kraken's Stackable $75+ Signup and Referral Bonus Promo! [US]
https://www.referralworldnews.com/go/kraken - code rypcw4qq
Right now, there are a few Kraken signup bonus options you can choose from. The easiest to earn is the $75 signup bonus, which requires you to deposit $200 and use it to buy any crypto (stablecoins don't count). $75 referral bonuses as well, up to $875 max. And don't forget to check the cashback portals to see which is offering the highest stackable cashback! More info on Kraken here.
Drumo Shuts Down 12/30. Here's how to get Your Money! [US]
If you have Drumo, check your account to see if you have any bonuses waiting to be withdrawn. If you do, I highly recommend you withdraw your funds now because the app is shutting down on 12/30. And based on my own experience, I recommend you cash out in $10 increments. I had $150 sitting in my account and made $20 withdrawals beginning on 12/10. I haven't received a single one of those $20 withdrawals. The bonuses still say "Awaiting Authorization." This morning, I withdrew $20, $10 and $1, and noticed that I received the $10 and the $1 withdrawals near-instant, while the $20 withdrawal is awaiting authorization.
While I can't guarantee all your $10 or less withdrawals will be issued quickly, I can say that from the looks of it, they're not authorizing $20 withdrawals. I've tried reaching out to Drumo multiple times since 12/10 via tickets and emails but have yet to receive a response.
Don't Leave Money on the Table!
https://www.referralworldnews.com/referrals
If you are referring any apps that have monthly or annual caps, you've got just over a week to max out those bonuses. And it's a great time because for the annual ones, you'll be able to start fresh in January. Examples of referrals with annual bonuses include most credit cards, certain banks (Chase, Chime, Current, etc.), and investment apps like Stash and Fundrise.
Score Free Apple Stock from Stash! [Ends 12/28; US]
https://www.referralworldnews.com/go/stashstockparty
Now through 12/28 at 11:59 PM Eastern Time, you can score free Apple stock ($AAPL) from Stash's StockParty. Click here to log in and claim. And if you haven't signed up for Stash, yet, you can also score $20 $50 in cash or stock (your choice) by signing up and depositing $5 or more. $50 referral bonuses as well, up to $1,000 in bonuses per year. More info here.
Safe Travels and Family First!
If you're traveling, you might already know that today is one of the busiest travel days of the year. Be careful out there, stay safe, and if you're celebrating with your family or chosen family this year, cherish your time with them! Next year isn't guaranteed. I'll be doing precisely that these holidays as I celebrate with loved ones. And if you've been grinding with referral apps, reward yourself with a break if you're able. Referral World will always be around. Loved ones may not be. Cherish and nourish those relationships!
Recap of Last Week's RWN:
RIP, RIPS!
I Just Won Another $188 from GotGame!
Congratulations to Destiny Monae, the Latest $50 Winner!
Reminder: $50 “Easy Paying Referral Apps” Giveaway Is Today!
50-Year Heavenly Reunion. Happy Birthday, Greg!
Fetch’s Increased $3 Referral Bonuses!
FREE Phone Plus up to $10 Signup, $25 Referrals From AirTalk Wireless!
I Received Another $100 Near-Instant From Lemon8!
Scrambly’s New $5–$50 Cashout Bonus, $17–$50 Affiliate + Mystery Cash!
Joko’s Increased Instant $5 Signup Bonus, $5 Referrals!
Lemon8 Paying Instant (Mostly)!
MoneyLion Continues to Roar!
FB Can’t Rain on My $150 Cash Giveaway Parade!
OnePay’s Increased $50 Signup, $150 Referral Promo Ends Tonight!
SmartSteals Seemingly a Waste of Time
Acorns “Refer 4, Get $900” Promo!
Varo Spinelessly Shuts Down Accounts Without Explanation
Benjamin and Drumo: Withholding Owed Bonuses?
Holiday Shopping CrunchTime and Bonus Opportunities!
RebatesMe Quietly Tightens Referral Rules, Referrers Now Face a 90-Day Clock
Promos Ending Soon [Multiple Countries]
Did You Know?
Did you know that while I publish a new issue of Referral World News each week, I update each weekly post daily? Bookmark https://www.referralworldnews.com and check back throughout the week for the latest articles and updates!
Have a Referral News Tip?
Please email me at [email protected] if there's any new app or referral news you think I should know about and/or would like to see featured in Referral World News! If you're a subscriber and I haven't included the app yet, I might surprise you by featuring your link in the article!
Check out my profile, where you can follow me and find my latest posts! You can also follow me and find more of my referrals at:
