Basics: New Rakuten members receive a $10 bonus simply for signing up and spending $25 within 90 days. After referring a user, you’ll receive an additional $10 once they earn their welcome bonus.

Pros: $10 is a great flat-rate bonus, and there’s no limit on how much you can earn. You can redeem rewards for cash through PayPal or a physical check, and you can earn other rewards in addition to referral benefits.

Cons: Rakuten doesn’t support direct deposit, and you’ll be paid just once per quarter. You’ll only receive a referral bonus if they spend $25 within 90 days of creating the account.