Chase is offering you and any friend or family you refer a chance to earn up to 100,000 bonus points a year when they use your link to apply for a Chase credit card and are approved.
This referral system by Chase is a good way to get points, without having to make any purchases. Cards such as Chase Ultimate Rewards as well as co-branded cards are eligible to earn points.
Keep reading this review to find out everything you need to know about this Chase referral program.
Find other Chase offers for their Checking/Savings accounts.
How To Refer A Friend
You can only refer the specific Chase credit card that you personally have in your wallet. Also note that referral bonuses are also not available for every Chase card. The list of eligible cards changes from time to time. You’ll have to regularly check to see if your card qualifies for a referral bonus.
If your card offers a referral bonus, follow these steps:
- Go to the Chase Refer-A-Friend website and enter your name, zip code and last 4 digits of your credit card number.
- Check to see if your credit card is offering a referral promotion
- Share your referral link to family or friends
- Wait for your friends to apply and get approved.
You can also refer your friends by using the Chase mobile app. Once you log in, you will find a list of your active Chase cards and if you tap on the three dots in the lower right corner next to the card, you will be able to refer friends or family.
How Much Can I Earn?
Referral bonuses will vary based on the card you open. Here are some examples of previous offers:
| Credit Card | Rewards per referral | Annual Limit |
| Chase Freedom Unlimited® | $100 cash back | $500 cash back |
| Chase Freedom Flex℠ | $100 cash back | $500 cash back |
| Chase Sapphire Preferred® Card | 15,000 points | 75,000 points |
| Southwest Rapid Rewards (any card) | 10,000 points | 50,000 points |
| United℠ Explorer Card | 10,000 points | 50,000 points |
| United Club℠ Infinite Card | 10,000 points | 50,000 points |
| Marriott Bonvoy™ credit card (any) | 20,000 points | 100,000 points |
| The World Of Hyatt Credit Card | 5,000 points | 25,000 points |
| Disney Visa Card | 100 Disney Rewards Dollars | 500 Disney Rewards Dollars |
You can refer as many people as you want to open a card, however, you can only earn a limited number of referral bonuses per year. For more bonuses offered by Chase, check our our full list of Chase Bonuses.
Additional Tips
- Avoid email referrals: Using the email feature could take up to 7 days! Avoid the wait by simply copying your link and emailing them yourself.
- Chase 5/24 rule. Chase has a policy where they will not approve your friend’s application if they’ve signed up for more than five cards from any bank in the last 24 months.
- Sign-up bonus. Be on the look out for any sign up bonuses so you can maximize the amount you can both earn for opening an account
- Taxes. Any bonus will be subject to 1099 taxes. This includes referral bonuses.
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Author’s Verdict
The refer-a-friend program offered by Chase is a great way to earn additional points without having to spend any money. If you know of any friends or family member in need of a new credit card, then you might want to consider referring them to chase. Be on the look out for account opening promotions.
Let us know in the comment section below about your thoughts on this promotion! If you don’t have a savings account, see our best savings account section. Looking to add a little extra income each year? If so, see our list of the best bank deals!
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