A referral bonus is a win-win. Once 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 may earn a considerable welcome provide after assembly a spending requirement.
Chase’s Refer-A-Pal 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 by the method on this information.
How you can refer a good friend to a Chase card
It is easy to refer somebody. Here is how you 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 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 will 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 mates to Sapphire playing cards for bonus factors per software
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How you can earn a Chase referral bonus
To earn a referral bonus, you may must generate a singular software hyperlink for somebody to make use of. Then, the individual you are referring should entry the applying by your hyperlink and be authorised for a card. You possibly can refer a good friend, member of the family or co-worker.
You will earn the bonus after the individual you referred is efficiently authorised 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 can even earn money bonuses when referring mates 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 12 months.
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 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 12 months |
|---|---|---|
| Chase Sapphire Most well-liked® 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 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 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’ll be eligible to obtain referral bonus awards for brand new Chase Enterprise card prospects 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 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 should not eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Examine your account to see if you happen to 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 concentrate on whenever 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. As an illustration, I solely have the Sapphire Most well-liked, however my referral hyperlink additionally mentions that I will earn bonuses for individuals who are authorised for the Sapphire Reserve.
You additionally do not essentially must be mates along with your referral associate. Simply make sure that they comply with the right steps to be authorised along with your customized hyperlink.
Guarantee your good friend is getting the very best 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 by a referral hyperlink.
Not everybody will see the identical bonuses, so be a superb good friend and make sure the individuals you refer know the place they’ll discover the very best focused welcome bonus provide for themselves.
As an illustration, the Chase Sapphire Most well-liked is at present providing 75,000 bonus factors after $5,000 in spending throughout the first three months of account opening. You will need to test this provide in opposition to the one which seems by your referral hyperlink to make sure they’re getting the very 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 could have to pay taxes on referral bonuses
Lastly, understand that some banks have despatched out 1099s for referral bonuses previously.
Remember that your referral bonuses could also be thought-about earnings, particularly if you happen to max out your earnings with referral bonuses. Communicate to a tax skilled if you happen to’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 superb approach to earn bonus factors and miles with out making further purchases.
Crucial issue to recollect is to make sure your mates undergo your customized hyperlink after they apply. In any other case, you will not get a referral bonus.
Associated: One of the best time to use for these well-liked Chase bank cards based mostly on provide historical past
