CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

August 10, 2017

Chase Refer a Friend: How Referrals Work

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

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 https://www.chase.com/referafriend/catch-all.

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.

More from CreditDonkey:


Best Chase Credit Card


Chase Ultimate Rewards Review


Chase Sapphire Preferred Review

More Articles in Money Tips


    How to Apply for a Chase Credit Card

    July 31, 2017 - Tips for Chase
    Applying for a Chase credit card? Here's what you need to know, including new Chase card promotions, how to check your application status, and rules to watch out for.

Leave a comment about Chase Refer a Friend: How Referrals Work?

Name
Email (won't be published)


Chase Sapphire Preferred Credit Score

You usually need an excellent credit score for Chase Sapphire Preferred (720+). But this is not the only deciding factor. Find out how to improve your odds.

    Beginner's Guide to Airline Miles and Points

    Learn how airline miles work and the 10 steps you should follow to start collecting travel rewards. Before long, you'll be well on your way to redeeming miles for flights and hotel rooms.

    Hotel Rewards

    The sign-up bonuses for hotel rewards credit cards can be tempting, but is a hotel card right for you?

    Airline Rewards

    The best airline credit card racks up miles fast with reasonable fees and amazing rewards.

    Travel Rewards

    Looking for a new travel credit card?

    Foreign Transaction Fee: What to Know Before You Travel Abroad

    Before you go on a trip overseas, be sure you have a credit card with no foreign transaction fees. Read on to learn how to save money on international travel.

    Credit Card Deals

    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Hot Deals: Latest Credit Card Offers

    Signing up for a new credit card is easy. Choosing the right one - the one that fits your spending habits - is the challenge. The experts at CreditDonkey are here to help you find the right choice, starting with deals from our partners.

    Dining Rewards

    If you're usually eating out rather than slaving over a hot stove at home, make a point of using a rewards credit card every time you pick up the tab and save up some serious cash.

    Best Credit Cards

    Here are the CreditDonkey picks for "Best Credit Cards" from our partners in the following categories ...

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

    No Foreign Transaction Fee Credit Cards

    Most credit cards tack on a 3% charge, or foreign transaction fee, on purchases made outside the United States. If you travel internationally with a no foreign transaction fee credit card, you'll save money on your purchases.

    Credit Card Deals for People with Excellent Credit

    If you have excellent credit, now is the time to take advantage of it.

    Barclaycard

    Looking for a travel credit card? Rewards card? How about the ability to determine your own rewards rate? Barclaycard has a credit card for each of these options. Read on to find out which one is the best, depending on whether your first priority with your next credit card has to do with rewards, travel, or low interest.

    Study: Credit Cards for International Travel

    The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

    Study: Hotel Credit Cards for Free Nights

    Must-read list of hotel credit card promotions. Check out this essential list of credit card offers before your next hotel stay.

    Study: Credit Card for European Travel

    If you're looking for a credit card that can take you to Europe and back, you might need to look past what's already in your wallet. Let's do a quick inventory: any credit cards with a small chip located on the left-hand side? Put aside any that are missing that telltale square box. They're bound to let you down as you make your way through international lands.

    Chase Ultimate Rewards: What You Need to Know

    Get the most out of Chase credit cards. Read this in-depth guide to Chase's Ultimate Rewards program. We'll explain how to get the maximum value.

    Earn Airline Miles Without Flying

    Do you want to travel more? Well, guess what? There's an airline miles trick that airlines do not want you to know about.

    Review: Chase Sapphire vs Business Ink Preferred

    Chase has a business credit card similar to Chase Sapphire. Find out how the benefits and rewards compare.

    Chase Freedom Unlimited vs Citi Double Cash

    Chase Freedom Unlimited gives you 1.5% cash back, while the Citi Double Cash earns 1% cash back twice. Which is better? Learn the surprising truth.
More Articles in Money Tips






About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.