Referral or public offer?

Before you take a friend's referral link, check what it actually pays you against the public sign-up bonus. The two routes routinely differ by hundreds of dollars, and at some institutions taking the referral disqualifies you from the better deal.

Every figure comes from the issuer's own published terms, linked from each program page. Dealaka hosts no referral links and takes no share of any reward. See the method.

The public offer pays more

Where the issuer says the two cannot combine, a link costs you money. Where the terms are silent, do not assume they combine, and do not give up the public offer for a link.

Program	You earn	Cap	Tax form
Capital One Apply through your link and be approved confirmed Jul 21, 2026	Not published Shown only in your account	Capped per card, amount not published	Not confirmed
Discover Apply online through the link and make a purchase confirmed Jul 21, 2026	Not published Shown only after you sign in	Capped per account, amount not published	None published

Program	You earn	Cap	Tax form
American Express Gold Card Apply through your link and be approved for a Card confirmed Jul 22, 2026	Not published Set per Card Member, shown only to you	5 per calendar year, per person	1099-MISC
Chase Apply through your unique URL and be approved confirmed Jul 21, 2026	Varies by card and offer Varies by cardholder	Capped per card, amount not published	None published

Program	You earn	Cap	Tax form
GreenState Credit Union Open an active checking account and mention the referral confirmed Jul 21, 2026	$100	None published	None published
Axos Bank Open an eligible account and meet its funding rule confirmed Jul 19, 2026	$50 to $100	None published	1099-MISC

Program	You earn	Cap	Tax form
Wealthfront Open and fund an eligible account through the link confirmed Jul 21, 2026	Up to $781	$1,000 per rolling 12 months, per person	None published
Interactive Brokers Deposit $10,000 within 30 days and maintain it one year confirmed Jul 21, 2026	$200	15 per calendar year, per person	Not confirmed
Betterment Fund a new account through your link confirmed Jul 21, 2026	$150 or an APY boost Varies by cardholder	5 per calendar year, per person	None published
M1 Deposit $10,000 within 30 days and hold it 30 more confirmed Jul 21, 2026	$75	10 per calendar year, per person	1099-MISC
Public Make a one-time deposit of $1,000 or more confirmed Jul 21, 2026	$20 in stock	$500 per lifetime, across all Public promotions, per person	1099-MISC
Robinhood Sign up through the link and link a bank account confirmed Jul 21, 2026	$5 to $200 in stock A lottery: about 99% get $5	$5,000 per calendar year, per person	Not confirmed
Charles Schwab Open an account and make a qualifying net deposit confirmed Jul 21, 2026	Nothing	None published	1099-INT
Fidelity There is no qualifying action, because there is no reward confirmed Jul 21, 2026	Nothing	None published	None published
Webull Open a brokerage account and let a first deposit settle confirmed Jul 21, 2026	Not published Stated only inside the app	None published	Not confirmed

Program	You earn	Cap	Tax form
SoFi Open and fund a SoFi Checking and Savings account confirmed Jul 21, 2026	$75 to $100	$10,000 per calendar year, per person	1099-MISC
inKind Make a first dining purchase of $50 or more confirmed Jul 22, 2026	$50 dining credit	None published	None published
Chime Get a qualifying direct deposit of $200+ in 45 days confirmed Jul 21, 2026	Not published Set by your active offer	10 per calendar year, per person	1099-MISC

Referral or public offer?

The public offer pays more

Ask for a referral

Either way

No clean comparison

For the person doing the referring

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