If you love saving money, you’ll love making it even more. At Lunch Money Club, our mission goes beyond offering unbeatable discounts—we’re also committed to helping our members earn money by sharing the savings. Our Referral Income Program rewards you every time you help someone else join the club by earning bonuses and commissions.
Whether you’re a savvy shopper, a side-hustle enthusiast, or someone who naturally shares great finds, Lunch Money Club’s referral system is a simple, no-risk way to earn extra income.
In this comprehensive guide, we’ll walk you through:
- How our referral program works
- How to start earning bonuses and commissions today
- Ways to maximize your referrals
- Real-life success stories
- Tips for building sustainable passive income
What is the Lunch Money Club Referral Program?
The Lunch Money Club Referral Program allows current members to refer friends, family, and their network to join the club—and earn rewards in the process. When someone signs up using your personal referral link, you earn bonuses and commissions, while saving money.
It’s a win-win:
- Your friends start saving money immediately.
- You earn valuable rewards.
There are no hoops to jump through, and no limits to your earnings.
How It Works: Simple Steps to Start Earning Bonuses and Commissions
Step 1: Become a Member
To earn referral rewards, you must first be an active Lunch Money Club Ambassador, Affiliate, or Business Partner member. This ensures you’re familiar with how the platform works and can share authentic experiences.
Step 2: Get Your Unique Referral Link
After joining, you’ll receive a personalized referral link you can share via:
- Social media (Facebook, Instagram, TikTok, X/Twitter)
- Text messages
- Blog posts or websites
- QR codes on printed materials
Step 3: Share the Savings
Every time someone signs up through your link, the system tracks it back to you. Once your referrals become paying members, you earn rewards.
Step 4: Get Paid
You’ll earn:
- Cash payouts as certain thresholds are met, request payout at any time.
The more people you refer, the more you earn. It’s that simple.
Referral Reward Tiers: How You Earn with Lunch Money Club
At Lunch Money Club, we know that real savings deserve real rewards—and our Multifaceted Marketing Commission and Bonus Structure means you can earn bonuses and commissions while helping others save. Whether you’re looking to keep things simple as a Member, build a team as an Ambassador, expand your influence as an Honorary Founder, grow your reach as a Business Partner, or work behind the scenes as an Affiliate—there’s an income path for you.
Member
- What You Get: As a standard Lunch Money Club Member, your main benefit is access to over 500,000 savings opportunities across North America. There’s no recruitment obligation—just enjoy incredible discounts on dining, shopping, entertainment, travel, health, and more.
- Bonus Perk: Active Members who maintain their subscription may qualify for End-of-Year Rewards, turning your savings into even more value.
Ambassador
- Who They Are: Members who actively invite others to join Lunch Money Club and help grow our network.
- How to Qualify: There is a one-time Ambassador enrollment fee (currently waived), plus an active monthly membership and back-office agreement (access to business tracking platform).
- How You Earn:
- Sponsor Bonus: Earn a one-time 80% bonus of the Commissionable Value (CV) each time you personally enroll a new Member, Business Partner, or Honorary Founder (~$16 per sign-up).
- Residual Commissions: Earn an ongoing 10% commission of the CV for every personally referred active Member (~$2 monthly per Member).
- Training Bonus: Maintain at least 51% Members/Ambassadors in your downline vs. Affiliates and unlock an additional 5% CV bonus on your 5th downline level (~$1 per active Member).
Honorary Founder
- Who They Are: Ambassadors who recruit new Business Partners become Honorary Founders, unlocking an extra income stream and deeper levels of commissions.
- How You Earn:
- For each new Business Partner you enroll, you secure a position at the top of their Business Center structure—expanding your income potential. This allows you to earn residual income from at least 2 streams – become an Honorary Founder for every business you sign up!
Business Partner
- Who They Are: Local or national businesses that join Lunch Money Club to reach our savings-minded audience by offering a small discount.
- Perks for Businesses: Free exposure and marketing to our entire membership base—no upfront or ongoing fees except offering an exclusive deal.
- How They Earn:
- Sponsor Bonus: A one-time 80% CV bonus for every personally referred Member (~$16 per sign-up).
- Residual Commissions:
- 10% CV on active Members in their first four levels (~$2 per Member).
- 5% CV from levels 5–10 (~$1 per Member).
- 2% CV from level 11 to infinity (~40 cents per Member).
- Add-On Option: For detailed tracking and reporting, Business Partners can add a monthly back-office agreement.
Affiliate
- Who They Are: Individuals who don’t want the Member savings benefits but do want to earn commissions and bonuses by promoting Lunch Money Club.
- How to Qualify: One-time enrollment fee (currently waived) plus a monthly back-office fee. Affiliates get a 30-day trial of all Lunch Money Club discounts. Afterward, they can choose to upgrade to a full Ambassador role for the regular monthly cost to keep their savings benefits.
- How You Earn: Same as Ambassadors! Affiliates receive: A one-time 80% Sponsor Bonus for each sign-up, 10% Residual Commissions on active Members, and a 5% Training Bonus on the 5th downline level if their network remains majority Members/Ambassadors.
Key Takeaway: Save & Earn at Every Level
Lunch Money Club gives you the freedom to choose how you engage:
- Save money only: Join as a Member.
- Save and earn: Become an Ambassador or Honorary Founder.
- Expand your business reach: Join as a Business Partner.
- Side hustle only: Sign up as an Affiliate.
When you combine everyday savings with a structured referral income opportunity, you unlock a new way to build wealth while helping your community stretch every dollar.
How You’re Paid
Cash Payouts:
- Paid via check
- Sent out when minimum thresholds are reached as requested
Reporting Tools:
- Your member dashboard tracks all referrals, conversions, credits, and earnings in real-time
- Get notifications when a referral signs up
Real Member Success Stories
Meet Carla, Stay-at-Home Mom & Super Saver Carla referred 30 friends in her first month. She used social media to share her grocery and dining savings each week, linking back to her referral code. She earned over $450 in her first 45 days—just by posting screenshots of her receipts and deal finds.
Tyrell, College Student Tyrell handed out business cards with his QR code around campus. He now makes around $200/month in passive income from student sign-ups who love saving on fast food and entertainment.
Anita, Travel Blogger Anita created a blog post featuring how she booked a family vacation using Lunch Money Club discounts. The post went viral in a travel group, netting her over 80 referrals and more than $1,500 in bonuses and commissions.
Easy Ways to Promote Your Referral Link
1. Share on Social Media
Post about your savings experience. Share photos of receipts, vacation savings, or fun local finds. Tag Lunch Money Club for extra exposure.
2. Use Word-of-Mouth
Nothing beats genuine conversation. Share the club with friends over coffee, at the gym, or during school pickup.
3. Add to Your Email Signature
Include your referral link with a quick line like: “Want to save money on everything from groceries to travel? Join the club I use—Lunch Money Club!”
4. Make a How-To Video
Create a short reel or tutorial showing how to use the app or redeem a favorite deal. Visual content builds trust and encourages action.
5. Bundle with Your Side Hustle
If you’re in direct sales, marketing, or another gig, add LMC as a bonus value-add for your clients.
Build Passive Income Long-Term
Referral income isn’t just a one-time reward—it can become a steady stream of income when done strategically.
Keys to Long-Term Referral Success:
- Be consistent with sharing
- Focus on value, not selling
- Use automation tools (email, social media schedulers, etc.)
- Follow up with past referrals
- Celebrate your savings and wins publicly
Frequently Asked Questions
Q: Do I have to be a paid member to refer others?
A: Yes. Only active Ambassadors, Affiliates, and Business Partners are eligible to receive referral bonuses and commissions.
Q: Is there a limit to how much I can earn?
A: No. There’s no cap. The more people you refer, the more you can earn.
Q: How long does someone have to join after clicking my link?
A: Most referrals are tracked for 30 days via cookies, so even if they don’t join immediately, you can still earn credit if they sign up later.
Q: Can I refer businesses?
A: Yes! Businesses can join as Business Partners or provide memberships to employees. These high-volume referrals can earn bonuses and commissions.
Q: How do I know when someone signs up through me?
A: You’ll receive a notification in your member dashboard.
Final Thoughts: Help Others Save While You Earn
The Lunch Money Club Referral Program is one of the easiest, most rewarding ways to turn your love of savings into a profitable venture. Whether you’re sharing with a few friends or scaling to hundreds of referrals, the system is built to support your growth.
Help others spend less while you earn more. It’s a feel-good, financially smart way to build extra income without inventory, shipping, or risk.
Ready to Get Started?
👉 Join Lunch Money Club today and start earning from your very first referral.