A prominent illustration is **CashKarma**, which enables users to accrue points through friend referrals and survey completion. Points can be exchanged for cash or gift cards, rummy star 41 bonusand the app's simple layout makes it simple for users to use. CashKarma's referral program is especially alluring because users can get paid extra for each friend they recommend who downloads and uses the app. Another noteworthy choice is **Google Pay**, which offers a referral program that incentivizes users to recommend friends to use its services.