A referral bonus is a win-win. Once you refer a buddy to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your buddy can even earn a substantial welcome provide after assembly a spending requirement.
Chase’s Refer-A-Pal program is beneficiant. Should 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 way of the method on this information.
The best way to refer a buddy to a Chase card
It is easy to refer somebody. Here is how one can generate the hyperlink to refer your mates, members of the family and colleagues.
On a pc, navigate to Chase’s devoted touchdown web page for all referral hyperlinks. This web page encompasses 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 will have to sign up to your Chase account to entry this web page.
You can too 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’ll be able to share your distinctive hyperlink by way of textual content message or social media, or just copy it.
Associated: Refer pals to Sapphire playing cards for bonus factors per software
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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 particular person you are referring should entry the applying by way of your hyperlink and be accepted for a card. You possibly can refer a buddy, member of the family or co-worker.
You will earn the bonus after the particular person you referred is efficiently accepted 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 can too earn money bonuses when referring pals to the Chase Freedom Flex® (see charges and charges), Chase Freedom Limitless® (see charges and charges) or a Chase checking account.
You possibly can 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 12 months.
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’ll be able to obtain earlier than you attain the restrict.
| Chase card | Referral bonus for every referral | Referral bonus restrict per 12 months |
|---|---|---|
| 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 buddy 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 spanking new Chase Enterprise card prospects 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 necessary that you just 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 will not be eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Examine your account to see should 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 extra issues to pay attention to once 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. For example, I solely have the Sapphire Most popular, however my referral hyperlink additionally mentions that I am going to earn bonuses for many who are accepted for the Sapphire Reserve.
You additionally do not essentially need to be pals along with your referral accomplice. Simply be certain they observe the right steps to be accepted along with your personalised hyperlink.
Guarantee your buddy is getting one of the best welcome provide
It is necessary to notice that your buddy won’t obtain the very best obtainable welcome bonus in the event that they apply by way of a referral hyperlink.
Not everybody will see the identical bonuses, so be buddy and ensure the folks you refer know the place they’ll discover one of the best focused welcome bonus provide for themselves.
For example, the Chase Sapphire Most popular is presently providing 75,000 bonus factors after $5,000 in spending throughout the first three months of account opening. You will wish to examine this provide in opposition to the one which seems by way of your referral hyperlink to make sure they’re getting one of the 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 previously.
Understand that your referral bonuses could also be thought-about revenue, particularly should you max out your earnings with referral bonuses. Converse to a tax skilled should 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 solution to earn bonus factors and miles with out making extra purchases.
A very powerful 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 very best time to use for these fashionable Chase bank cards based mostly on provide historical past
