A referral is someone that you invite to use Ibotta.
This is a new user to Ibotta, who used your referral code when signing up, and you may have received a referral bonus for introducing this user to Ibotta. The new user will automatically be on your Team because they are linked to you with your referral code.
A teammate is someone that you are connected to on social media or is a referral.
These people are on your Team and help you towards Teamwork goals (See more here). You are also on their Team and help them towards their Teamwork goals. You do not receive referral credit for someone who is on your team unless you referred that user. If a user is on your Team because you are friends on Facebook but you did not refer that user, you will not receive a referral bonus.