What is the ruling on applying for a Pioneer MasterCard and receiving a gift of $25 in exchange for loading it with $100, and is this gift considered usury (riba)? And what is the ruling on registering on profit-making websites that require inviting friends to earn money or points?

A prepaid Payoneer card is a loan from the client to the issuing institution. Any conditional or promised gift in exchange for this loan is considered usury (riba) and is forbidden if the institution does not deliver the gift until the account is charged with a certain amount. As for registering on for-profit websites in exchange for inviting friends, it is permissible if the services and goods provided are religiously lawful and free from deception.