- 19 referral programs
- Documented verification by guide
- 2009 first program tracked
- October 2026 last updated
📌 Featured offers
Sticker Mule
$10 USD$10 USD (C$13.30) credit with the referral link or code CASHINSTINCT on a qualifying first order meeting the nominal minimum of $30 USD or C$38 before tax, depending on region.
WeCook
$100$100 total discount for new customers, split as $50 off each of the first two orders, with the link and code BD366M100.
📡 Telecom
EBOX Internet
$25$25 credit on the second bill with the EBOX referral code GE911 for eligible new EBOX Internet customers (QC & ON).
Fizz Mobile
$25–$40$25 credit in Quebec or $40 in Ontario, Alberta, Manitoba and British Columbia with referral code LOXCY for a first eligible Fizz service, entered before completing activation.
Fizz Internet
$25$25 credit with referral code LOXCY for a first eligible Fizz service in Quebec. Availability depends on the address; enter the code before payment.
TELUS Mobility
$50$50 bill credit for an eligible new TELUS Mobility customer through the referral link, used before activation.
TELUS Home Services
Up to 60,000 ptsUp to 60,000 TELUS Rewards points for the activation of an eligible home service through the referral link or code DCC1008051, depending on province and the displayed offer.
🛠️ Services
HP Instant Ink
1 free month1 free month for an eligible new HP Instant Ink customer with code SVdn7, entered during the initial signup of an eligible HP printer.
Windscribe
+1GB/month+1GB/month for the new user after account creation and email confirmation. Use the web link or username cashinstinct in the mobile app.
Muse AI
1 billion tokens1 billion Muse tokens with referral code M5XOH5, entered in Muse settings within 48 hours after signing up.
Goodfood
Up to $86Up to $86 off a new member’s first four orders through the referral link, subject to the offer shown. Availability and fees depend on the address.
💳 Finance
Mydoh
$10$10 for the new parent with code STEPHANIE8837, after creating the child’s account and funding the wallet.
Tangerine Bank
$50$50 bonus with Orange Key 28709877S1, entered when opening a first eligible account: deposit at least $250 within 60 days and keep that balance for 60 consecutive days.
EQ Bank
$20$20 advertised bonus for a new customer through the referral link, after an eligible deposit of at least $100 within 30 days.
$25 bonus with referral code V381566198 after depositing $250 at account opening and keeping that balance for 30 days.
Borrowell
FreeFree Equifax credit score and free credit report in Canada, with no credit card or SIN required according to Borrowell; the guide also compares the other free options.
Chexy
$20$20 credit through the referral link after a first payment completed in the mobile app. Pay rent, taxes and other eligible bills by credit card (1.75% fee with a Canadian card).
💰 Cashback & Rewards
Rakuten Canada
$30$30 bonus for a new member who signs up through the referral link, after at least $30 in qualifying Cash Back purchases within 90 days.
Rakuten U.S.
$50 USD$50 USD bonus for a new member located in the 50 states or D.C., after at least $50 USD in qualifying Cash Back purchases within 90 days. Amazon.com purchases don't count.
$3 when you sign up and tick the weekly newsletter box, paid with your cashback once you reach the payout threshold. Fixed rebates on some credit cards.
Swagbucks
$10$10 welcome offer through the referral link after activating Swag Ups and making a qualifying Shop purchase of at least $25 within 30 days of signing up that earns at least 25 SB.
⚖️ Comparisons
EBOX vs Fizz vs oxio
GuideComparison of public prices recorded on specific dates and at specific addresses, speeds, technologies and terms for EBOX, Fizz and oxio.
Comparison of public prices recorded on specific dates and at specific addresses, speeds, technologies and terms for EBOX, Bell and Videotron.
Recorded prices for Fizz, Public Mobile, Koodo and Virgin Plus bring-your-own-phone plans: data, 5G, automatic payments and referral credits.
Ready-to-eat or meal kits: recorded prices for 6 servings, delivery fees and the real first-month cost at WeCook, HelloFresh, Goodfood and Fresh Prep (formerly Cook it).
FTTH vs HFC vs FTTN
GuideCompare fibre to the home, hybrid fibre-coaxial and fibre to the node to understand what the network type actually tells you.
Three-way comparison of base rates, conditions, savings promotions, everyday access and deposit protection.
Dated test of pricing, shipping and product differences for 50 and 100 stickers; the Sticker Mule credit stays separate from regular pricing.
🧮 Tools & Strategies
Points Calculator
ToolEstimate the value of your reward points by redemption method, across 14 programs.
Compare the net cost of two offers over 12, 24, 36 months or a custom period, keeping promotions, fees and credits separate. No provider prices are prefilled.
Compare the timing window, target rate and critical step of a rewards strategy across six Canadian programs.
A July 1 timeline and EBOX’s and Fizz’s official rules for moving Internet without paying twice, or switching providers.
Current deals
GuideVerified limited-time deals, with their end date, the referral code or link to use and what is known about stacking.
Why was Cash Instinct created?
Information about Canadian offers is often scattered. Cash Instinct brings it together in guides that cite official sources and point out important limitations or exceptions.
- Original comparisons and tools, including the points calculator
- Personal experience clearly distinguished from documented research
Living in the United States? Some of these programs also work there: see the offers open to U.S. residents.
Learn more about Cash Instinct’s methodology, sources and independence · See the method applied to five Canadian cases.
Official referral links
These programs have no code to type: the referral goes through the official link, opened before signing up.
- EQ Bank — $20: join.eqbank.ca/?code=ETIENNE5807
- Chexy — $20: chexy.app.link/REF-WDTW5Q
- Rakuten Canada — $30: rakuten.ca/r/cashinstinct
- Swagbucks — $10: swagbucks.com/profile/Cashinstinct
- TELUS Mobility — $50: share.telus.com/etienneg-203
- Goodfood — up to $86: makegoodfood.ca/en/referred-by/l3261043
Full conditions and amounts are in each guide. Cash Instinct receives a reward when one of these links leads to an eligible referral.