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.

What is the Best Chase Credit Card Promotion for 2018?

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. 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 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?

Email (won't be published)

Chase Sapphire Preferred Benefits

Chase Sapphire Preferred offers often overlooked travel and purchase benefits that can help you save a ton of money. Be protected in case of the unexpected.

    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?

    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.

    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.

    Credit Card Bonus Offers

    Take advantage of credit card bonuses for new customers, including bonus cash, reward points, and airline miles.

    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.


    Travel Rewards Card: Barclaycard Arrival Plus World Elite MasterCard

    Travel Credit Card Deals

    To learn more, visit Chase's secure website for more information, including their online application.

    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

    Traveling to Europe? Look for a card with chip technology and no foreign transaction fees. Here are our favorite cards for international travel.

    Best Chase Credit Card

    Find the best Chase credit card in our rankings of top offers and promotions. Read the latest reviews and score the best deals with this guide.

    Costco Travel: What You Need to Know to Save Money

    Costco Travel makes planning a vacation easy, but does it really save you money? See how it compares against other top travel sites.

    14 Best Ways to Use United Miles

    Redeem United MileagePlus miles for the most value. This guide highlights some of the best award redemption opportunities with United miles.
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: Many of 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.