Find updated Worthy Bonds promotions and bonus offers here.
Instead of investing in ETFs, stocks and other financial markets, Worthy Bonds (worthybonds.com) uses your money to fund loans for qualified small businesses. You have a choice of investing money directly, or rounding up spare change from your purchases. Either way, you’ll earn a fixed, 5% return on your investment every year.
- 5% fixed interest rate on $10 Worthy Bond purchases that support American small businesses.
- Fully secured, asset-backed small business loans.
- $10 minimum investment (1 bond = $10).
- No fees and no penalties
- 36-Month term bonds (no early withdrawal penalty)
- Interest is credited daily
- SEC registered bonds
- Open to all U.S. investors
See other referral offers here. More investment promos here (nice offers from J.P. Morgan, Public.com and more).
Worthy Bonds Bonus: Free $10 Bond & $10 Bond Referrals

Get a free $10 bond when you sign up for a free Worthy Bonds account for the first time. Your account must be active and remain in good standing for a period of 90 days after the reward’s issuance to remain eligible to redeem the bond. Once you have an account open, you can then start earning a free $10 bond per qualified referral.
We have an active account and you can qualify for a free bond with our referral link. Thank you ahead of time!
Update 11/11/2022: Looks like their referral program is active again after a 2 year hiatus. I’m starting to get referral rewards again. But, they do have a limit on their supply available to give out.
Note: There’s no mention of the free bond offer when you click through. You can see the referral program rules here.
How To Earn The Free Bond
- Sign up for a free Worthy Bonds account for the first time using this link.
- Your account account must be active and remain in good standing for a period of 90 days after the reward’s issuance to remain eligible to redeem the bond.
Earning The Referral Free Bonds
- Log into your Worthy Bonds account and visit your “Account Settings” section to access your unique referral link.
- Share your referral link to everyone you know.
- Limit 1 free, $10 bond per new user referred.
- Both Referrer and Referee must have an active Worthy account that remains in good standing for a 90 day period before being eligible to redeem the free bond.
- Worthy II Bond Rewards under the Referral Offer are limited to 50 ($500) Worthy II Bonds per calendar year
Fine Print
For Referrers:
- Referrals must be first time Worthy bond-buyers only.
- Limit 1 free, $10 bond per new user referred.
- Both Referrer and Referee must have an active Worthy account that remains in good standing for a 90 day period before being eligible to redeem the free bond.
- To be eligible for the reward, the person you refer must use your personal referral invitation link when they sign up.
- The new customer must be a US citizen (including residents of Puerto Rico) and must be at least 18 years of age.
- This promotion cannot be combined with any other offer and begins May 18th, 2020.
- Promotion terms are subject to change without notice, at any time, at the sole discretion of Worthy.
- Worthy II Bond Rewards under the Referral Offer are limited to 50 ($500) Worthy II Bonds per calendar year per Offeror.
- They will generally process a Worthy II Bond Reward for a Referral Offer and deposit the Worthy II Bond in Referrer’s account within 15 days following the date the Referee opens a qualifying account with the unique referral link designated to the Referrer.
For Referred New Users:
- When a new user referred by an existing user opens a Worthy account for the first time, a free, $10 bond will be awarded to the new customer’s account.
- The Referee’s account must be active and remain in good standing for a period of 90 days after the reward’s issuance to remain eligible to redeem the bond.
- The new customer must be a US citizen (including residents of Puerto Rico) and be at least 18 years of age.
- This promotion cannot be combined with any other offer.
- Promotion terms subject to change without notice, at any time, and at the sole discretion of Worthy.
- They will generally process a Worthy II Bond Reward for a Referral Offer and deposit the Worthy II Bond in Referrer’s account within 15 days following the date the Referee opens a qualifying account with the unique referral link designated to the Referrer.
- Unfortunately, due to state laws, users from Nebraska are not eligible for participation in the referral program.
Bottom Line
This isn’t a big sign-up bonus opportunity compared to other investment offers. Go for this one if you’re interested in diversifying your investments with bonds. Click here for the bonus offer.
Worthy Bonds Bonus: Enter To Win $50 In Bonds

Not sure how long they’ll have this offer up. When you go to their website an email subscription box may pop up. They randomly reward “thank you” bonds to their email subscribers.
See our brokerage and investment offers page here.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Worthy Bonds is temporarily not selling any bonds right now because the last batch (III) sold out, and they haven’t gotten approval from SEC to offer IV yet. I am waiting and waiting, as it is taking awhile.
I just had that happen too. Worthy is a little frustrating in that aspect, as in, they happily took all my personal info and bank account info, only to say ‘Oh sorry about that we’re sold out, and we’ve reached the limit on how many bond referrals we can pay so we can’t give you that either.
Happened to me too. I registered in May 2021 and was put on a “waitlist” but who knows. Seems like it might be a data mining operation.
I think the issue is, that they still do not have SEC approval to sell more bonds. So I still have a lot of money with them, I had no trouble withdrawing some money a couple months ago (I regret it because the place that I put it in had fees to get the same nterest), Worthy is still paying interest, and they give us news updates every month or so. But they’re saying they still don’t have that approval to sell more bonds.
I clicked your referral link but you haven’t registered at Worthy yet; you should do that so we both can get our free bond