Unlock Rewards with Chases Refer-A-Friend Program

Chase’s Refer-A-Friend program offers a fantastic opportunity for cardholders to earn rewards while helping friends discover new credit options. By referring someone to apply for a Chase credit card, you can earn bonus points, miles, or cash back without making any purchases. In return, your friend can benefit from a generous welcome offer after meeting a specified spending requirement.

If you hold certain Chase credit cards, including those co-branded with major brands like United, Hyatt, Southwest, IHG, Marriott, and Disney, you could earn substantial rewards for successful referrals. Here’s a comprehensive guide on how the program works and how you can maximize your rewards.

Getting Started with Referrals

Referring a friend to Chase is a straightforward process. To generate your unique referral link, simply follow these steps:

1. Access the Referral Page: On your computer, visit Chase’s dedicated referral landing page. You’ll need to sign in to your Chase account to access this feature.

2. Generate Your Link: Once logged in, you’ll see a drop-down menu displaying all your eligible Chase cards. Select the card you want to refer and generate your unique link.

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

To earn a referral bonus, ensure that the person you’re referring applies through your unique link and is approved for the card. You can refer friends, family members, or colleagues, and once they’re successfully approved, you’ll receive your bonus.

Bonus Rewards Breakdown

The rewards you can earn through referrals vary depending on the card your friend applies for. Typically, you can earn between 10,000 to 40,000 bonus points or miles per successful referral. If you refer someone to the Chase Freedom Flex® or Chase Freedom Unlimited®, you may also earn cash bonuses.

You can repeat this referral process multiple times, but keep in mind that your earnings are capped at a range of 50,000 to 200,000 bonus points or miles, or up to $500 in cash back per calendar year, depending on the card type.

It’s essential to generate a unique link for each referral, as your friend must use this link for you to earn your bonus. For a complete list of Chase cards that qualify for referral bonuses, check the referral page.

Upcoming Changes to the Program

Starting October 7, 2025, Chase will implement a new rule limiting referral bonuses to new Chase Business cardholders only. This means that if you want to refer someone who already has a Chase Ink Business card, you must do so before this date. Note that this change will not affect welcome bonuses; it solely pertains to referral bonuses.

Additionally, some cardholders may not be eligible to earn bonuses for referrals to the World of Hyatt Business card. Always check your account to confirm your eligibility.

Important Considerations for Referrals

You can refer friends to cards you don’t currently hold. For example, even if you only have the Sapphire Preferred card, your referral link can still apply to those who are approved for the Sapphire Reserve.

While you don’t need to be close friends with your referral partner, it’s crucial that they follow the correct steps to ensure their approval through your personalized link. Keep in mind that your friend may not receive the highest available welcome bonus if they apply through your referral link.

Encourage your referrals to compare offers to ensure they access the best targeted welcome bonus for their situation. For instance, if the Chase Sapphire Preferred is currently offering 75,000 bonus points after $5,000 in spending within the first three months, make sure they know about this offer.

Expect to see your bonus points, miles, or cash back posted to your account within eight weeks after your referral is approved.

Tax Implications of Referral Bonuses

Be aware that referral bonuses may be considered taxable income, especially if you maximize your earnings. Some banks have issued 1099 forms for referral bonuses in the past, so it’s wise to consult a tax professional if you’re unsure about any tax obligations.

Maximizing Your Referral Opportunities

Chase’s Refer-A-Friend program is an excellent way to earn rewards without additional spending. Just remember that the key to receiving your bonus is ensuring your friends apply through your personalized link.

Credit cards can significantly enhance your financial flexibility, allowing you to earn rewards on everyday spending and unlock travel experiences that may otherwise be out of reach. By referring friends to Chase credit cards, you not only help them discover valuable financial tools but also boost your own rewards in the process.

As you navigate through the referral process, remember to stay informed about the latest changes and offers. Whether you’re looking to earn points for a dream vacation or simply want to enjoy cash back on your purchases, Chase’s Refer-A-Friend program can help you achieve your goals while sharing the benefits with those around you.