A referral bonus is a win-win. If you refer a pal to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your pal may also earn a considerable welcome provide after assembly a spending requirement.
Chase’s Refer-A-Pal program is beneficiant. When 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 may earn bonus factors, miles or cash-back for profitable referrals.
So, how do Chase card referrals work? Let’s stroll by the method on this information.
How one can refer a pal to a Chase card
It is simple to refer somebody. This is the right way to generate the hyperlink to refer your folks, members of the family and colleagues.
On a pc, navigate to Chase’s devoted touchdown web page for all referral hyperlinks. This web page contains 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 have to check in to your Chase account to entry this web page.
You may as well discover this function within the cellular app. Log in to the Chase app, navigate to the “Extra” tab and choose “Refer a pal.”
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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How one can earn a Chase referral bonus
To earn a referral bonus, you may have to generate a novel utility hyperlink for somebody to make use of. Then, the particular person you are referring should entry the appliance by your hyperlink and be authorized for a card. You possibly can refer a pal, member of the family or co-worker.
You will earn the bonus after the particular person you referred is efficiently authorized for the cardboard.
Relying on the cardboard, you may obtain wherever 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 charges and charges), Chase Freedom Limitless® (see charges and charges) 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 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 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 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 record of every particular person Chase card eligible for a referral bonus on this web page.
Bear in mind, your pal should use your personalised hyperlink so that you can earn your bonus.
*Chase will quickly implement a brand new rule that may 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 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 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 should not eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Test 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 private 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 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 folks to playing cards you do not maintain. For example, I solely have the Sapphire Most popular, however my referral hyperlink additionally mentions that I will earn bonuses for many who are authorized for the Sapphire Reserve.
You additionally do not essentially must be associates together with your referral associate. Simply be certain that they comply with the right steps to be authorized together with your personalised hyperlink.
Guarantee your pal is getting one of the best welcome provide
It is necessary to notice that your pal may not obtain the very best out there welcome bonus in the event that they apply by a referral hyperlink.
Not everybody will see the identical bonuses, so be a superb pal and make sure the folks you refer know the place they will discover one of the best focused welcome bonus provide for themselves.
For 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 need to verify this provide in opposition to the one which seems by 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 might have to pay taxes on referral bonuses
Lastly, take into account that some banks have despatched out 1099s for referral bonuses prior to now.
Remember the fact that your referral bonuses could also be thought-about earnings, 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 assert it on my taxes?
Backside line
Referral bonuses are a wonderful option to earn bonus factors and miles with out making further purchases.
Crucial issue to recollect is to make sure your folks undergo your personalised hyperlink once they apply. In any other case, you will not get a referral bonus.
Associated: The perfect time to use for these widespread Chase bank cards based mostly on provide historical past
