1.) click the unique referral link on their phone; 2.) download the Future app; 3.) receive approval for a FutureCard Visa Debit card 4.) make purchases totaling at least $50 and those purchases settle. Money orders do not qualify as a purchase under these terms. ***Kindly be aware that the referral link must be clicked prior to downloading the app. This link will direct you to the app store where you can download the Future app. Failure to click the link beforehand will result in the referral bonus not being added. The referred person may convert ClimatePoints into the equivalent in cashback and credit it to their available Future account balance once they have successfully funded their Future account with $10 or more via a Plaid-linked bank account.