I love passing along referral deals because in the US they’re a normal, trusted way to stretch our budgets, build credit, and scoop up easy bonuses—especially when money is tight for students and new arrivals.If you ever want to try one, I’ve already road-tested these so you can jump in knowing a friend has done it before. 我喜欢和朋友分享推荐活动，在美国这是省钱、建立信用、轻松拿奖励的日常套路，学生和初来乍到的国际同学特别需要这种小确幸。这些都是我亲自体验过的，整理出来给你参考，就当有个熟人带路，需要的时候随手拿来用。
Disclaimer: offers change fast. Bonuses and requirements can shift—open the link to confirm full details before applying. 提醒：活动更新很快，奖励和条件可能不同，下单前请点开链接看完整条款。
| Company 名称 | Detailed Name 细分 | Benefits 推荐福利 | Refer Link 链接 |
|---|---|---|---|
| Chase | Freedom Unlimited / Flex Freedom Unlimited / Flex 信用卡 | $200 bonus after $500 spend in the first 3 months; I also get a referral bonus when you’re approved. 开卡后三个月内消费满 500 美元得 200 美元，你获批时我也能拿推荐奖励。 | Chase Referral |
| Discover | Discover It Credit Card Discover It 信用卡 | One purchase within 3 months = $100 statement credit for you and me. 三个月内刷一笔，我们各得 100 美元账单抵扣。 | Discover Referral |
| SoFi | Checking & Savings 支票＋储蓄账户 | Open the account to get $25; qualifying direct deposit adds up to $300 more and 4.50% APY (6 months). 开户拿 25 美元；符合条件的直接存款再加最高 300 美元并享 4.50% 年化（6 个月）。 | SoFi Checking Referral |
| SoFi | Personal Loan 个人贷款 | Personal loan funds = $300 for you and $300 for me. 个人贷款放款成功，你我各得 300 美元。 | SoFi Personal Loan Referral |
| SoFi | Student Loan Refinance 学生贷款再融资 | Student loan refinance funds = $300 welcome bonus. 学生贷款再融资成功，放款后拿 300 美元奖励。 | SoFi Refinance Referral |
| SoFi | Medical Student Loan Rates 医牙学生贷款优惠 | Doctors or dentists refinance = special rate plus $1,000 bonus after funding. 医生或牙医再融资成功，享专属利率并拿 1,000 美元奖励。 | SoFi Medical Loan Referral |
| SoFi | Private Student Loan 私立学生贷款 | Private student loan disburses = $300 welcome bonus; no fees. 私立学生贷款放款成功，免手续费并拿 300 美元奖励。 | SoFi Private Loan Referral |
| SoFi | Active Invest Active Invest 投资账户 | Deposit $25+ into a new Active Invest account to receive $25 in stock. 新开 Active Invest 并入金 25 美元以上即可获 25 美元股票奖励。 | SoFi Invest Referral |
| Sequence | Cash Management 现金流管理 | Sequence subscription gives $25 to you and $25 to me; works for direct deposit. 订阅 Sequence 你我各得 25 美元，可当直接存款账户使用。 | Sequence Referral |
| Coinbase | Crypto Starter Bonus 加密入门奖励 | Buy $20 or more in crypto to unlock $30 in Bitcoin. 购入 20 美元以上的加密货币即可获得 30 美元比特币。 | Coinbase Referral |
| Kraken | Trading Bonus 交易奖励 | Complete your first $200 trade with code bywjb7f7 to release the $75 bonus. 首笔交易累积 200 美元并输入代码 bywjb7f7，即可解锁 75 美元奖励。 | Kraken Referral |
| WisprFlow | Unlimited Voice Dictation 无限字数语音听写 | Unlimited dictation plus 1 free month of Pro. 顶级AI语音听写服务，享受无限字数并免费获得 1 个月 Pro。 | WisprFlow Referral |
| User Interviews | Research Studies 用户访谈调研 | Complete a research study to collect a $10 reward. 完成一次调研即可获得 10 美元奖励。 | User Interviews Referral |
| Postmates | Food Delivery 外卖首单优惠 | Use code postmates-oudmaq2jmc for $20 off your first order. Works with separate US and China Visa cards; each card can trigger 1-3 coupons worth $15-$25, so you can stack about $30-$120 in free food. Terms apply. 使用邀请码 postmates-oudmaq2jmc 首单立减 20 美元。它和 Uber Eats 是姊妹服务，用自己名下的美国 Visa 卡和中国 Visa 卡（账单地址不同）都能薅，每张卡可触发 1-3 张 15-25 美元无门槛券，总计约 30-120 美元吃饭票。优惠随时可能变更，请下单前确认条款。 | Postmates Referral |
| Yami | Asian Groceries & Snacks 亚洲零食超市 | $20 welcome bonus. $20 新人福利 | Yami Referral |
| Weee! | Fresh Groceries 生鲜 | Affordable Asian fresh groceries. 亚洲特色便宜生鲜。 | Weee Referral |
| Remitly | Alipay Fast Delivery Transfer 支付宝闪速收款 | Send at least $50 to an Alipay account; pay $50 + $1.99 fee − $30 promo = $21.99, delivering about RMB 350. You can send to your own account. Recipient name must be in Chinese, sender details can be in English. First Alipay transfer requires enabling Fast Delivery in the app; my datapoint was near-instant. 向支付宝账户汇款至少 50 美元，支付 $50+$1.99−$30 抵扣=约 $21.99，到账约人民币 350 元。可给自己汇款；收款人姓名需中文，汇款人可填英文。首次向支付宝汇款需在 App 开通闪速收款；我的经验是基本秒到。 | Remitly Referral |
| Wise | Cross-Border Transfers 跨币种汇款 | Complete a $300+ cross-currency transfer to unlock Wise's invite bonus on your account. 完成 300 美元以上的跨币种汇款，可领取 Wise 页面提示的新客奖励。 | Wise Referral |
| LemFi | Cross-Border Transfers 跨币种汇款 | Get $20 when you verify your account and send over $100 with code KOUT4U1D. 验证账户并汇款超过100美元，使用邀请码 KOUT4U1D 即可获得20美元。 | LemFi Referral |