I do not trust these people. Scammers. I followed my friends referral link and downloaded the app. No mention of that on the rewards page, so I went into chat 3 times with the sofi bot, got none of the answers I sought. It "didnt get that question". A live agent told me there was no record of my joining through the link, so no rewards. Acting like I was trying to scam him. I got points for checking my credit score, but maybe I blinked my eyes wrong and would have lost them, anyway. Deleted.