Chase Sapphire Most well-liked Card and Chase Sapphire Reserve referral bonuses

Chase simply made it extra profitable to refer your pals to the Chase Sapphire Most well-liked® Card (see charges and charges) and the Chase Sapphire Reserve® (see charges and charges)

In case you’re an current Chase Sapphire Most well-liked Card or Chase Sapphire Reserve cardholder, you possibly can earn 15,000 bonus factors for each accepted applicant — as much as 100,000 factors whole from referral bonuses in a calendar 12 months. These factors are price $308 per accepted applicant, primarily based 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 cell app that means that you can generate referral hyperlinks for all eligible Chase bank cards in a single place. All it is advisable do is comply with this hyperlink and log in to start out creating referral hyperlinks.

In case you maintain a couple of Chase bank card, merely go to the drop-down record on the highest left and choose which card you’d prefer to generate a referral for.

Chase has additionally launched some restrictions on an current cardholder’s potential to earn referrals, however extra on that later.

Associated: Earn rewards with Chase’s Refer-A-Buddy program

Excessive welcome provides for brand 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 inside the first three months of account opening. Remember the fact that the $500 Chase Journey credit score should be used through the first transaction, and any leftover quantity might be forfeited.

In accordance with TPG’s July 2025 valuations, these welcome bonuses are price $1,538 and as much as $2,550 (together with the Chase Journey credit score), respectively.

Past the welcome bonus, there’s 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 finest — if not the most effective — journey rewards playing cards for freshmen and specialists alike, providing bonus factors on broadly outlined classes like journey and eating that can assist you ebook your subsequent journey sooner.

As for the extra premium Chase Sapphire Reserve, it supplies 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 way of 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 flexibility to redeem among the most useful factors round, these playing cards might be keepers for the lengthy haul. In case you suppose considered one of them could be a superb match to your family and friends, you should definitely 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 resorts

Sapphire referral restrictions

Discovered inside the phrases and situations of Chase’s Refer-a-friend is the next restriction:

You possibly can obtain 15,000 bonus factors for every good friend you refer by way of this Refer-A-Buddy provide (as much as 7), who’s accepted for the cardboard. Most bonus factors accumulation for this provide 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 pals use your referral hyperlink inside a month, Chase, at their discretion, might not award you any bonus referral factors. That is an attention-grabbing improvement as a result of an current cardholder can solely earn 100,000 bonus factors, which implies 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 problem for many cardholders, however it could be a approach for Chase to restrict people who would publish their referrals on-line within the hopes of producing bonus miles shortly and simply.

Backside line

Chase has elevated the quantity of factors you possibly can 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 flexibility to earn 100,000 bonus factors from referrals, together with a partial bonus, subsequently 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 can help you not earn any bonus miles.