A referral bonus is a win-win. If you refer a good friend to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your good friend may also earn a substantial welcome offer after assembly a spending requirement.
Chase’s Refer-A-Good friend program is beneficiant. If you happen to maintain sure Chase credit cards (together with Chase’s suite of cobranded playing cards with United, Hyatt, Southwest, IHG, Marriott and Disney) and are eligible, you possibly can earn bonus factors, miles or cash-back for profitable referrals.
So, how do Chase card referrals work? Let’s stroll by the method on this information.
The best way to refer a good friend to a Chase card
It is simple to refer somebody. Here is the best way to generate the hyperlink to refer your mates, members of the family and colleagues.
On a pc, navigate to Chase’s dedicated landing page for all referral hyperlinks. This web page incorporates a drop-down field of all of your Chase playing cards and an choice to generate a hyperlink on the spot to ship to a good friend.
You will have to sign up to your Chase account to entry this web page.
It’s also possible to discover this function within the cellular app. Log in to the Chase app, navigate to the “Extra” tab and choose “Refer a good friend.”
From there, you possibly can share your distinctive hyperlink through textual content message or social media, or just copy it.
Associated: Refer friends to Sapphire cards for bonus points per application
Day by day E-newsletter
Reward your inbox with the TPG Day by day publication
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
The best way to earn a Chase referral bonus
To earn a referral bonus, you may have to generate a singular software hyperlink for somebody to make use of. Then, the individual you are referring should entry the applying by your hyperlink and be authorised for a card. You possibly can refer a good friend, member of the family or co-worker.
You will earn the bonus after the individual you referred is efficiently authorised for the cardboard.
Relying on the cardboard, you may obtain wherever from 10,000 to 40,000 bonus factors or miles per referral. This contains cobranded playing cards.
It’s also possible to earn money bonuses when referring pals to the Chase Freedom Flex® (see rates and fees), Chase Freedom Unlimited® (see rates and fees) or a Chase checking account.
You possibly can repeat these referrals a number of instances, however your earnings are capped between 50,000 to 200,000 bonus factors or miles or $500 money again (within the case of Freedom playing cards and checking accounts) per calendar yr.
Chase playing cards with referral bonuses
The cardboard your good friend efficiently applies for determines what number of bonus factors or miles or how a lot money again you may obtain, and the way a lot you possibly can obtain earlier than you attain the restrict.
| Chase card | Referral bonus for every referral | Referral bonus restrict per yr |
|---|---|---|
| Chase Sapphire Preferred® Card (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) | 15,000 Chase Final Rewards factors | 100,000 factors |
| Chase Freedom Flex and Chase Freedom Unlimited | $50 money again | $500 money again |
| Southwest Airlines cards | 20,000 Southwest Speedy Rewards factors | 100,000 factors |
| United Airlines cards | 10,000 United MileagePlus miles | 100,000 miles |
| Marriott Bonvoy cards | 40,000 Marriott Bonvoy factors | 200,000 factors |
| Disney® Visa® Card (see rates and fees) and Disney® Premier Visa® Card (see rates and fees) | 100 Disney Rewards {Dollars} | 500 Disney Rewards {Dollars} |
| Ink Business cards* | 20,000 Chase Final Rewards factors | 100,000 factors |
| IHG One Rewards cards | 10,000 IHG One Rewards factors | 50,000 factors |
| World of Hyatt Business Credit Card (see rates and fees)** | 10,000 Hyatt factors | 50,000 factors |
You will discover a full record of every particular person Chase card eligible for a referral bonus on this page.
Bear in mind, your good friend should use your personalised hyperlink so that you can earn your bonus.
*Chase will quickly implement a brand new rule that may limit you to solely incomes a referral bonus for referring new Ink Enterprise cardholders: “Efficient October seventh, 2025, you can be eligible to obtain referral bonus awards for brand new Chase Enterprise card clients solely. Referrals of people with current Chase enterprise card accounts will not qualify for the referral bonus.”
If you wish to refer an current Chase Ink Enterprise card buyer (cobranded Chase enterprise playing cards are excluded for now), it is essential that you just achieve this earlier than Oct. 7. This does not have an effect on welcome bonus eligibility, simply referral bonuses that you could be earn.
**Some cardholders usually are not eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Examine your account to see in case you can earn bonus factors.
This information comes on the heels of Chase updating its welcome bonus eligibility rules for the personal Sapphire cards.
Associated: Can I refer someone to a business credit card from a personal credit card?
What to learn about Chase referral bonuses
There are further issues to concentrate on while you’re referring Chase playing cards.
You do not have to have the cardboard to refer it
You possibly can refer your mates to playing cards you do not maintain. As an example, I solely have the Sapphire Most well-liked, however my referral hyperlink additionally mentions that I am going to earn bonuses for individuals who are authorised for the Sapphire Reserve.
You additionally do not essentially must be pals along with your referral companion. Simply ensure that they comply with the right steps to be authorised along with your personalised hyperlink.
Guarantee your good friend is getting the very best welcome provide
It is essential to notice that your good friend may not obtain the best out there welcome bonus in the event that they apply by a referral hyperlink.
Not everybody will see the identical bonuses, so be a superb good friend and ensure the folks you refer know the place they’ll discover the very best focused welcome bonus provide for themselves.
As an example, the Chase Sapphire Preferred is currently offering 75,000 bonus factors after $5,000 in spending throughout the first three months of account opening. You will wish to verify this provide towards the one which seems by your referral hyperlink to make sure they’re getting the very best deal.
Your bonus may take some time to reach
It may take as much as eight weeks so that you can see bonus factors, miles or money again posted to your account from a referral.
You’ll have to pay taxes on referral bonuses
Lastly, understand that some banks have despatched out 1099s for referral bonuses up to now.
Understand that your referral bonuses could also be thought-about earnings, particularly in case you max out your earnings with referral bonuses. Converse to a tax skilled in case you’re unsure about owing taxes on referral bonuses.
Associated: If I cash out my points and miles, do I have to claim it on my taxes?
Backside line
Referral bonuses are a wonderful technique to earn bonus factors and miles with out making further purchases.
Crucial issue to recollect is to make sure your mates undergo your personalised hyperlink once they apply. In any other case, you will not get a referral bonus.
Associated: The best time to apply for these popular Chase credit cards based on offer history
Trending Merchandise
