Referral bonuses: code, purchase, and payout conditions
A referral link or code can be only the first step. Understand who receives the reward and what the referred person must complete.
Read both sides of the bonus
Some promotions pay the new member, some pay the referrer, and some pay both. Confirm the reward relevant to your account. Do not assume the referrer’s advertised payout is the amount a new member will receive.
Apply the code at the right time
Check whether the referral must be used during registration or before a qualifying purchase. Save enrollment confirmation. If the platform does not show the code, ask support before performing the paid action rather than assuming it can be added later.
Complete the qualifying action
Minimum spend, first purchase, account verification, and confirmation periods can apply. Keep those conditions separate from the ordinary cashback offer. Read whether a platform allows the referral incentive alongside other advertiser promotions.
Illustration: a $20 new-member reward requiring a first eligible purchase is not an instant $20 registration payment. Approval may depend on the store confirming that purchase.
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Before you commit
Correct recipient
Some promotions pay the new member, some pay the referrer, and some pay both. Confirm the reward relevant to your account. Do not assume the referrer’s advertised payout is the amount a new member will receive.
Code or link accepted
Check whether the referral must be used during registration or before a qualifying purchase. Save enrollment confirmation. If the platform does not show the code, ask support before performing the paid action rather than assuming it can be added later.
Qualifying action and deadline
Minimum spend, first purchase, account verification, and confirmation periods can apply. Keep those conditions separate from the ordinary cashback offer. Read whether a platform allows the referral incentive alongside other advertiser promotions.
Sources and terms: TopCashback explanation · Rakuten tracking guidance · CFPB bank account guidance. Advertiser-specific conditions take precedence.