A referral bonus is a win-win. If you refer a buddy to a brand new card, you earn bonus factors, miles or money again with out making any purchases. Your buddy may earn a considerable welcome supply after assembly a spending requirement.
Chase’s Refer-A-Buddy program is beneficiant. In case 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 the method on this information.
How you can refer a buddy to a Chase card
It is simple to refer somebody. This is generate the hyperlink to refer your pals, relations 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 may have to sign up to your Chase account to entry this web page.
You can even discover this function 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 utility
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How you can earn a Chase referral bonus
To earn a referral bonus, you will have to generate a singular utility hyperlink for somebody to make use of. Then, the particular person you are referring should entry the applying by your hyperlink and be authorised for a card. You’ll be able to refer a buddy, member of the family or co-worker.
You may earn the bonus after the particular person you referred is efficiently authorised for the cardboard.
Relying on the cardboard, you will obtain anyplace from 10,000 to 40,000 bonus factors or miles per referral. This contains cobranded playing cards.
You can even earn money bonuses when referring pals to the Chase Freedom Flex® (see charges and costs), Chase Freedom Limitless® (see charges and costs) or a Chase checking account.
You’ll be able to 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 buddy efficiently applies for determines what number of bonus factors or miles or how a lot money again you will 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 costs) and Chase Sapphire Reserve® (see charges and costs) | 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 costs) and Disney® Premier Visa® Card (see charges and costs) | 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 costs)** | 10,000 Hyatt factors | 50,000 factors |
You’ll find 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 may limit you to solely incomes a referral bonus for referring new Ink Enterprise cardholders: “Efficient October seventh, 2025, you can be eligible to obtain referral bonus awards for brand new Chase Enterprise card clients 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 aren’t eligible to obtain bonuses for referrals to the World of Hyatt Enterprise card. Test your account to see in the event 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 find out about Chase referral bonuses
There are further concerns to pay attention to if you’re referring Chase playing cards.
You do not have to have the cardboard to refer it
You’ll be able to refer your pals to playing cards you do not maintain. As an illustration, I solely have the Sapphire Most popular, 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 pals along with your referral associate. Simply make sure that they observe the correct steps to be authorised along with your personalised hyperlink.
Guarantee your buddy is getting the perfect welcome supply
It is necessary to notice that your buddy may not obtain the very best obtainable welcome bonus in the event that they apply by a referral hyperlink.
Not everybody will see the identical bonuses, so be an excellent buddy and be certain the folks you refer know the place they’ll discover the perfect focused welcome bonus supply for themselves.
As an illustration, 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 may wish to verify this supply towards the one which seems by your referral hyperlink to make sure they’re getting the perfect 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, remember the fact that some banks have despatched out 1099s for referral bonuses up to now.
Needless to say your referral bonuses could also be thought of earnings, particularly in the event you max out your earnings with referral bonuses. Converse to a tax skilled in the event 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 strategy to earn bonus factors and miles with out making further purchases.
Crucial issue to recollect is to make sure your pals undergo your personalised hyperlink after they apply. In any other case, you will not get a referral bonus.
