Referral levels & bonuses

More qualified referrals unlock higher rewards and one-time milestone bonuses.

A qualified referral is a friend who spends $100 in eligible transactions within 30 days of completing profile verification.

Levels at a glance

Level	Unlocked at	Reward per subsequent qualified referral	Spending reward after each friend's first 90 days	One-time milestone bonus
1	Starting level	$5	0.1%	—
2	10 qualified referrals	$7	0.2%	$25
3	30 qualified referrals	$9	0.25%	$75
4	100 qualified referrals	$10	0.3%	$250

When does the higher reward start?

Qualified referral number	Reward per referral
1–10	$5
11–30	$7
31–100	$9
101 onward	$10

For example, your 10th qualified referral earns $5 and unlocks the $25 milestone bonus. Your 11th qualified referral earns $7.

Each milestone bonus is paid once: $25 at 10 qualified referrals, $75 at 30, and $250 at 100.

Do higher rates apply to existing referrals?

Yes. When you unlock a higher level, its spending reward rate applies to existing referrals as well as new ones after their first 90 days. During their first 90 days, the standard commission rate is 2%. Promotional commission rates may be available; check Referrals in the app for the latest rates and offer details.

For example, at Level 2, $1,000 in eligible spending after a friend's first 90 days earns you $2 at 0.2%.

Open Referrals in the app to track your qualified referrals and progress toward the next level.