A referral bonus is a win-win. While you refer a buddy to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your buddy may earn a substantial welcome offer after assembly a spending requirement.
Chase’s Refer-A-Buddy program is beneficiant. In case you 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 via the method on this information.
refer a buddy to a Chase card
It is easy to refer somebody. This is how you can generate the hyperlink to refer your pals, 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 buddy.
You may have to check in to your Chase account to entry this web page.
You may as well discover this characteristic within the cell app. Log in to the Chase app, navigate to the “Extra” tab and choose “Refer a buddy.”
From there, you possibly can share your distinctive hyperlink by way of textual content message or social media, or just copy it.
Associated: Refer friends to Sapphire cards for bonus points per application
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earn a Chase referral bonus
To earn a referral bonus, you may have to generate a novel software hyperlink for somebody to make use of. Then, the individual you are referring should entry the appliance via your hyperlink and be accredited for a card. You may refer a buddy, member of the family or co-worker.
You may earn the bonus after the individual you referred is efficiently accredited for the cardboard.
Relying on the cardboard, you may obtain anyplace from 10,000 to 40,000 bonus factors or miles per referral. This consists of cobranded playing cards.
You may as well earn money bonuses when referring associates to the Chase Freedom Flex® (see rates and fees), Chase Freedom Unlimited® (see rates and fees) or a Chase checking account.
You may repeat these referrals a number of occasions, 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 buddy 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 Fast 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 could find a full listing of every particular person Chase card eligible for a referral bonus on this page.
Keep in mind, your buddy should use your personalised hyperlink so that you can earn your bonus.
*Chase will quickly implement a brand new rule that can prohibit you to solely incomes a referral bonus for referring new Ink Enterprise cardholders: “Efficient October seventh, 2025, you’ll be eligible to obtain referral bonus awards for brand spanking new Chase Enterprise card prospects solely. Referrals of people with current Chase enterprise card accounts will now 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 necessary 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 if you happen to 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 if you’re referring Chase playing cards.
You do not have to have the cardboard to refer it
You may refer your pals to playing cards you do not maintain. For example, I solely have the Sapphire Most popular, however my referral hyperlink additionally mentions that I am going to earn bonuses for individuals who are accredited for the Sapphire Reserve.
You additionally do not essentially should be associates along with your referral companion. Simply be certain they observe the right steps to be accredited along with your personalised hyperlink.
Guarantee your buddy is getting the most effective welcome supply
It is necessary to notice that your buddy won’t obtain the very best obtainable welcome bonus in the event that they apply via a referral hyperlink.
Not everybody will see the identical bonuses, so be buddy and ensure the individuals you refer know the place they will discover the most effective focused welcome bonus supply for themselves.
For 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 may need to examine this supply in opposition to the one which seems via your referral hyperlink to make sure they’re getting the most effective deal.
Your bonus might take some time to reach
It might 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 could have to pay taxes on referral bonuses
Lastly, remember that some banks have despatched out 1099s for referral bonuses previously.
Remember that your referral bonuses could also be thought-about earnings, particularly if you happen to max out your earnings with referral bonuses. Converse to a tax skilled if you happen to’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 superb option to earn bonus factors and miles with out making further purchases.
Crucial issue to recollect is to make sure your pals 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