Maximize Rewards with Chases Refer-A-Friend Program

Chase’s Refer-A-Friend program offers an exciting opportunity for cardholders to earn rewards simply by sharing the benefits of their credit cards with friends and family. By referring someone to a new Chase card, you can earn bonus points, miles, or cash back without needing to make any purchases. Meanwhile, your friend can enjoy a generous welcome offer after meeting a specified spending requirement, making this a win-win situation for everyone involved.

If you hold certain Chase credit cards, including cobranded options with United, Hyatt, Southwest, IHG, Marriott, and Disney, you’re eligible to participate in this rewarding program. Here’s a comprehensive guide on how the referral process works and how you can maximize your rewards.

How to Refer Friends

Referring friends to Chase cards is a straightforward process. Follow these steps to generate your unique referral link:

1. Visit the Referral Page: On your computer, head to Chase’s dedicated referral landing page. Here, you’ll find a drop-down menu listing all your eligible Chase cards and an option to create a referral link.

2. Sign In: Make sure to log in to your Chase account to access the referral page.

3. Use the Mobile App: If you prefer using your smartphone, open the Chase app. After logging in, navigate to the “More” tab and select “Refer a friend.” From there, you can easily share your unique link via text or social media.

Once you generate the link, you can share it with friends, family, or colleagues.

Earning Your Referral Bonus

To earn a referral bonus, the person you refer must apply for a card using your unique link and get approved. The bonus you receive varies depending on the card they apply for and can range from 10,000 to 40,000 bonus points or miles. Additionally, if you refer friends to the Chase Freedom Flex® or Chase Freedom Unlimited®, you can earn cash bonuses.

You can make multiple referrals throughout the year, but there are limits to how much you can earn. Each calendar year, you can earn bonuses capped between 50,000 to 200,000 bonus points or miles, or up to $500 in cash back for referring to Freedom cards and checking accounts.

Important Guidelines to Remember

1. Use Your Unique Link: Ensure your friend uses your personalized link when applying for the card. If they apply through a different method, you will not receive the referral bonus.

2. Eligibility Changes: Be aware that starting October 7, 2025, referral bonuses will only be applicable for new Chase Business cardholders. If you want to refer someone who already has a Chase Ink Business card, do so before this date to ensure you earn your bonus.

3. Check Eligibility for Specific Cards: Some cardholders may not be eligible to earn bonuses for referring the World of Hyatt Business card. Always check your account for specific eligibility.

4. Comparing Welcome Bonuses: When referring someone, it’s wise to inform them that the welcome bonus they see through your referral link may not be the highest available. For example, if the Chase Sapphire Preferred is offering 75,000 bonus points after $5,000 in spending within the first three months, make sure your referral link reflects this offer.

5. Tax Implications: Keep in mind that referral bonuses may be considered taxable income, especially if you maximize your earnings. Consult with a tax professional if you have questions about how referral bonuses may affect your taxes.

Final Thoughts

Chase’s Refer-A-Friend program is a fantastic way to earn rewards without additional spending. By sharing your referral link with friends and family, you can help them discover the benefits of Chase credit cards while earning valuable bonuses for yourself. Just remember to ensure that your referrals use your personalized link to qualify for the bonuses.

Whether you’re looking to boost your travel points or earn cash back, this program can enhance your credit card experience. So, start sharing your referral link today and enjoy the rewards that come with it!