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August 10, 2017

Chase Refer a Friend: How Referrals Work

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Earn Chase points fast by referring your friends and family members. You can earn up to 50,000 extra points with little work. Read on.

Chase has long been known for offering some of the best credit card bonuses and rewards.

Plus, their Ultimate Rewards (UR) is one of the best travel programs on the market.

And now, Chase makes it easier to earn points (or cash!) by giving you a bonus for every friend you refer. This can help you rack up the points faster for your next award flight or hotel stay.

Read on to learn how this program works and who's eligible.

What Is Chase Refer a Friend?

When your family members or friends sign up for a new Chase card, you can receive a nice bonus.

Here's how it works:

  • Invite a friend to apply for a Chase credit card (it has to be for the card you own).
  • If the friend applies and is accepted, you will earn bonus points.
  • You can invite as many friends as you want. But there is a limit as to how many referral bonus points you can earn per year for each Chase card you own.

Different cards will pay out different bonus points for the referral. Usually, they range from 5,000 to 20,000 bonus points.

Cards Eligible for Refer a Friend

Not all of Chase's cards are participating in this program. Generally, the ones that participate are:

Note: Not all the cards are available for this program all the time. Unfortunately, the Chase Sapphire Reserve is not a part of this program right now. Chase will have special periods where certain cards are eligible for the Refer-a-Friend promotion. Also, the bonus points may change from time to time.

How to Refer a Friend

Next, we'll show you step-by-step how you can refer a friend and earn bonus points.

Step 1: Go to the Refer a Friend site and enter your details
To check for any promotions and to get your referral code, go to the Chase Refer a Friend website at

You will need to enter your last name, zip code, and last 4 digits of your card number.

Step 2: See what your current promotion is
Right away, you'll see if your card is eligible for this program and what you will get.

For my Chase Sapphire Preferred card, I can receive 10,000 bonus points for each friend who signs up for the card through my referral link. I can get up to 50,000 bonus points through the program per year. That equals to $625 in travel on the Ultimate Rewards portal.

Be sure to check often, though, because sometimes the bonus promotion changes. For example, sometimes I only get 5,000 bonus points for each referral.

Step 3: Get a referral code
You will see your personalized referral link. Click on "Copy Link" and you can send it to your friends whatever way you like (such as through text or email).

It will say something like:

"Earn 50,000 bonus points with Chase Sapphire Preferred. I can be rewarded too if you apply here and are approved for the card. Learn more.

[your referral link will appear here]"

Tip: In our opinion, this is the best way to ensure that your friends will get the link. Because if you send it straight from the Chase website (see next step), it may be blocked or sent to your friends' spam folder and they won't get it.

Or Step 4: Send your friends the invitation from the site
You will also see the option to send an invitation from the site. For me, I can either email it:

or share on Twitter:

You may also see an option to share on Facebook.

Step 5: Wait for your friends to sign up
When your friends click through your referral link, they'll see a website with the card offers. There will be an "Apply Now" button. As long as your friends click through the link to apply, you'll be awarded the bonus points.

Note: Chase has a 5/24 rule, which means that if your friend has opened more than 5 new credit cards in the last 24 months (including non-Chase cards), their Chase credit card application will most likely be declined.

Frequently Asked Questions

Can the referral be for any of the eligible Chase cards?
No. It can only be for the Chase card that you own. So for example, you can't own the Chase Freedom and refer someone for Chase Freedom Unlimited.

When do the referral bonuses post to your account?
Unfortunately, there are many complaints that it takes a long time for the referral bonuses to post. Generally, they should post with the 2nd billing cycle after your friend gets approved.

If someone is already my authorized user, can I still refer them?
Yep! You can refer them for their own card, and you will still receive the referral bonus. And they will still receive the card sign-up bonus (provided the minimum spending requirements are met).

Bottom Line

It's great that Chase has this program. If you happen to have friends or family who are looking for a new credit card, it never hurts to send them an invite. After all, referrals straight from existing users are often the most trusted. Just check Chase's Refer a Friend page from time to time to see if your card is currently participating.

Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom, Chase Sapphire Reserve, and Ink Business Cash Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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