Chase card referral bonus information: The right way to refer a good friend
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 also can earn a considerable welcome provide after assembly a spending requirement.
Chase’s Refer-A-Buddy program is beneficiant. For those who maintain sure Chase bank cards (together with Chase’s suite of cobranded playing cards with United, Hyatt, Southwest, IHG, Marriott and Disney) and are eligible, you may 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.
The right way to refer a good friend to a Chase card
It is easy to refer somebody. This is how you can generate the hyperlink to refer your mates, relations and colleagues.
On a pc, navigate to Chase’s devoted touchdown web page for all referral hyperlinks. This web page includes 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 may must check in to your Chase account to entry this web page.
You can even discover this characteristic within the cell app. Log in to the Chase app, navigate to the “Extra” tab and choose “Refer a good friend.”
From there, you may share your distinctive hyperlink through textual content message or social media, or just copy it.
Associated: Refer associates to Sapphire playing cards for bonus factors per utility
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The right way to earn a Chase referral bonus
To earn a referral bonus, you will must generate a singular utility 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’ll be able to refer a good friend, 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 will obtain wherever from 10,000 to 40,000 bonus factors or miles per referral. This consists of cobranded playing cards.
You can even earn money bonuses when referring associates to the Chase Freedom Flex® (see charges and charges), Chase Freedom Limitless® (see charges and charges) or a Chase checking account.
You’ll be able to 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 will obtain, and the way a lot you may obtain earlier than you attain the restrict.
| Chase card | Referral bonus for every referral | Referral bonus restrict per yr |
|---|---|---|
| Chase Sapphire Most popular® Card (see charges and charges) and Chase Sapphire Reserve® (see charges and charges) | 15,000 Chase Final Rewards factors | 100,000 factors |
| Chase Freedom Flex and Chase Freedom Limitless | $50 money again | $500 money again |
| Southwest Airways playing cards | 20,000 Southwest Fast Rewards factors | 100,000 factors |
| United Airways playing cards | 10,000 United MileagePlus miles | 100,000 miles |
| Marriott Bonvoy playing cards | 40,000 Marriott Bonvoy factors | 200,000 factors |
| Disney® Visa® Card (see charges and charges) and Disney® Premier Visa® Card (see charges and charges) | 100 Disney Rewards {Dollars} | 500 Disney Rewards {Dollars} |
| Ink Enterprise playing cards* | 20,000 Chase Final Rewards factors | 100,000 factors |
| IHG One Rewards playing cards | 10,000 IHG One Rewards factors | 50,000 factors |
| World of Hyatt Enterprise Credit score Card (see charges and charges)** | 10,000 Hyatt factors | 50,000 factors |
You will discover a full listing of every particular person Chase card eligible for a referral bonus on this web page.
Keep 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 can limit you to solely incomes a referral bonus for referring new Ink Enterprise cardholders: “Efficient October seventh, 2025, you may be eligible to obtain referral bonus awards for brand new Chase Enterprise card clients solely. Referrals of people with present Chase enterprise card accounts will not qualify for the referral bonus.”
If you wish to refer an present 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 are usually not eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Verify your account to see when you can earn bonus factors.
This information comes on the heels of Chase updating its welcome bonus eligibility guidelines for the non-public Sapphire playing cards.
Associated: Can I refer somebody to a enterprise bank card from a private bank card?
What to learn about Chase referral bonuses
There are further concerns to concentrate on if you’re referring Chase playing cards.
You do not have to have the cardboard to refer it
You’ll be able to refer your mates to playing cards you do not maintain. As an example, I solely have the Sapphire Most popular, however my referral hyperlink additionally mentions that I will earn bonuses for many who are accredited for the Sapphire Reserve.
You additionally do not essentially must be associates together with your referral accomplice. Simply make certain they observe the right steps to be accredited together with your personalised hyperlink.
Guarantee your good friend is getting the perfect welcome provide
It is essential to notice that your good friend won’t obtain the very best accessible welcome bonus in the event that they apply via a referral hyperlink.
Not everybody will see the identical bonuses, so be good friend and make certain the folks you refer know the place they will discover the perfect focused welcome bonus provide for themselves.
As an example, the Chase Sapphire Most popular is at the moment providing 75,000 bonus factors after $5,000 in spending throughout the first three months of account opening. You may need to examine this provide in opposition to the one which seems via your referral hyperlink to make sure they’re getting the perfect 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 might have to pay taxes on referral bonuses
Lastly, remember the fact that some banks have despatched out 1099s for referral bonuses previously.
Needless to say your referral bonuses could also be thought of revenue, particularly when you max out your earnings with referral bonuses. Communicate to a tax skilled when you’re unsure about owing taxes on referral bonuses.
Associated: If I money out my factors and miles, do I’ve to say it on my taxes?
Backside line
Referral bonuses are a superb method to earn bonus factors and miles with out making further purchases.
A very powerful issue to recollect is to make sure your mates undergo your personalised hyperlink after they apply. In any other case, you will not get a referral bonus.
Associated: The very best time to use for these in style Chase bank cards primarily based on provide historical past
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