A referral bonus is a win-win. Once you refer a pal to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your pal also can earn a substantial welcome supply after assembly a spending requirement.
Chase’s Refer-A-Buddy program is beneficiant. In case you 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’ll be able to earn bonus factors, miles or cash-back for profitable referrals.
So, how do Chase card referrals work? Let’s stroll by means of the method on this information.
The way to refer a pal to a Chase card
It is easy to refer somebody. Here is how you can generate the hyperlink to refer your pals, members of the family and colleagues.
On a pc, navigate to Chase’s devoted touchdown web 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 pal.
You will must sign up 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 pal.”
From there, you’ll be able to share your distinctive hyperlink through textual content message or social media, or just copy it.
Associated: Refer mates to Sapphire playing cards for bonus factors per utility
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The way to earn a Chase referral bonus
To earn a referral bonus, you may must generate a singular utility hyperlink for somebody to make use of. Then, the individual you are referring should entry the appliance by means of your hyperlink and be permitted for a card. You possibly can refer a pal, member of the family or co-worker.
You will earn the bonus after the individual you referred is efficiently permitted 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.
You may as well earn money bonuses when referring mates to the Chase Freedom Flex® (see charges and costs), Chase Freedom Limitless® (see charges and costs) 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 pal 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’ll be able to 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 costs) and Chase Sapphire Reserve® (see charges and costs) | 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 Speedy 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 costs) and Disney® Premier Visa® Card (see charges and costs) | 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 costs)** | 10,000 Hyatt factors | 50,000 factors |
You will discover a full checklist of every particular person Chase card eligible for a referral bonus on this web page.
Keep in mind, your pal should use your customized 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 spanking new Chase Enterprise card prospects solely. Referrals of people with present Chase enterprise card accounts will now 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 necessary that you simply accomplish that 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. Test your account to see in case 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 find out about Chase referral bonuses
There are further concerns to pay attention to whenever you’re referring Chase playing cards.
You do not have to have the cardboard to refer it
You possibly can refer your pals 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 am going to earn bonuses for individuals who are permitted for the Sapphire Reserve.
You additionally do not essentially must be mates together with your referral companion. Simply be certain they observe the right steps to be permitted together with your customized hyperlink.
Guarantee your pal is getting the perfect welcome supply
It is necessary to notice that your pal won’t obtain the very best obtainable welcome bonus in the event that they apply by means of a referral hyperlink.
Not everybody will see the identical bonuses, so be a great pal and make sure the folks you refer know the place they will discover the perfect focused welcome bonus supply 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 will wish to test this supply in opposition to the one which seems by means of 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’ll have to pay taxes on referral bonuses
Lastly, take into account that some banks have despatched out 1099s for referral bonuses up to now.
Needless to say 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 money out my factors and miles, do I’ve to say 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 pals undergo your customized hyperlink once they apply. In any other case, you will not get a referral bonus.
