Chase simply made it extra profitable to refer your pals to the Chase Sapphire Most well-liked® Card (see charges and costs) and the Chase Sapphire Reserve® (see charges and costs)
For those who’re an present Chase Sapphire Most well-liked Card or Chase Sapphire Reserve cardholder, you may earn 15,000 bonus factors for each accepted applicant — as much as 100,000 factors complete from referral bonuses in a calendar yr. These factors are value $308 per accepted applicant, based mostly on TPG’s July 2025 valuations.
Chase has streamlined the referral course of, now providing a consolidated web page on each its web site and its cellular app that permits you to generate referral hyperlinks for all eligible Chase bank cards in a single place. All it is advisable to do is observe this hyperlink and log in to begin creating referral hyperlinks.
For those who maintain multiple Chase bank card, merely go to the drop-down listing on the highest left and choose which card you’d wish to generate a referral for.
Chase has additionally launched some restrictions on an present cardholder’s potential to earn referrals, however extra on that later.
Associated: Earn rewards with Chase’s Refer-A-Buddy program
Excessive welcome affords for brand spanking new Sapphire cardholders
New cardholders of the Chase Sapphire Most well-liked can earn 75,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
With the Chase Sapphire Reserve, new cardholders can earn 100,000 bonus factors and a $500 Chase Journey℠ credit score after spending $5,000 on purchases throughout the first three months of account opening. Needless to say the $500 Chase Journey credit score should be used throughout the first transaction, and any leftover quantity will likely be forfeited.
In keeping with TPG’s July 2025 valuations, these welcome bonuses are value $1,538 and as much as $2,550 (together with the Chase Journey credit score), respectively.
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Past the welcome bonus, there may be unimaginable long-term worth in having both of those playing cards.
The $95-per-year Chase Sapphire Most well-liked Card is likely one of the greatest — if not the most effective — journey rewards playing cards for freshmen and consultants alike, providing bonus factors on broadly outlined classes like journey and eating that can assist you e book your subsequent journey sooner.
As for the extra premium Chase Sapphire Reserve, it offers extra travel-related perks, together with a versatile $300 journey credit score, a $500 The Edit by Chase Journey credit score (as much as $250 in assertion credit biannually, minimal two-night keep required), a $300 eating credit score for Sapphire Reserve Unique Tables (as much as $150 in assertion credit biannually), a $300 annual assertion credit score for StubHub or Viagogo purchases by 12/31/27 (as much as $150 biannually, activation required), a World Entry or TSA PreCheck payment credit score, Precedence Go lounge entry and rather more.
With beneficiant incomes charges and the power to redeem a few of the most respected factors round, these playing cards might be keepers for the lengthy haul. For those who assume one in every of them could be a very good match on your family and friends, make sure to ship them your referral hyperlink to nab as much as 100,000 additional Chase Final Rewards factors, however with a caveat.
Associated: Who’re the Chase Final Rewards switch companions? Redeem your factors with airways and motels
Sapphire referral restrictions
Discovered throughout the phrases and circumstances of Chase’s Refer-a-friend is the next restriction:
You’ll be able to obtain 15,000 bonus factors for every good friend you refer by this Refer-A-Buddy supply (as much as 7), who’s accepted for the cardboard. Most bonus factors accumulation for this supply is 100,000 bonus factors. If 10 or extra of your pals use the referral URL inside a month to use, at Chase’s discretion you could not obtain any bonus factors for the chums who apply that month and are accepted for the cardboard.
Particularly, Chase mentions that if 10 or extra associates use your referral hyperlink inside a month, Chase, at their discretion, might not award you any bonus referral factors. That is an fascinating growth as a result of an present cardholder can solely earn 100,000 bonus factors, which signifies that at most you will earn full bonus factors from six referrals and partial bonus factors as much as the seventh.
I do not see this being a difficulty for many cardholders, however it might be a approach for Chase to restrict people who would submit their referrals on-line within the hopes of producing bonus miles rapidly and simply.
Backside line
Chase has elevated the quantity of factors you may earn per particular person Chase Sapphire Most well-liked and Chase Sapphire Reserve referral to fifteen,000 factors as a substitute of 10,000 factors. Chase provides you the power to earn 100,000 bonus factors from referrals, together with a partial bonus, due to this fact you can also make as much as seven referrals.
Simply take into account that if 10 or extra individuals apply for a card utilizing your hyperlink, Chase might let you not earn any bonus miles.
