Eligible spending & exclusions
Only eligible card spending earns referral rewards and counts toward the two $100 spending requirements.
The two spending requirements
Referred friend
Spend $100 in eligible transactions to qualify as a referral
Within 30 days of completing profile verification
Referrer
Spend $100 in eligible, settled transactions on their own card to unlock reward claims
No time limit
Excluded merchant categories
These transactions do not earn referral rewards or count toward either $100 requirement.
ATM withdrawals and other cash disbursements
6010, 6011
Money transfers and wire transfers
4829
Quasi-cash purchases
6051
Wallet top-ups and funding transactions
6540
Gambling, lotteries, and betting
7800, 7801, 7802, 7995
Government payments, including courts, fines, bail, taxes, and government postal services
9211, 9222, 9223, 9311, 9399, 9402, 9405
Insurance payments
6300, 5960
See how rewards work for earning rates and claiming rewards for payout details.