Chase Bank Credit Card Referral Program Explained

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Chase Bank's credit card referral program is a great way to earn rewards and cash back. You can earn a $100 bonus for every new cardholder you refer who makes a purchase within 3 months of opening their account.

To be eligible, you must have a Chase credit card and the person you refer must be a new Chase customer. This program is available on certain Chase credit cards, such as the Chase Sapphire Preferred Card and the Chase Freedom Unlimited Card.

The referral program is easy to use and can be done online or through the Chase mobile app. Simply log in to your account, go to the "Refer a Friend" section, and follow the prompts to send a referral link to your friends and family.

How to Refer

To refer a friend to a Chase credit card, you can send out the referral from Chase's website or in the app. You can navigate to the referral page by going to https://creditcards.chase.com/refer-a-friend.

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To generate a referral link, you can click the "Refer Friends Now" button on the website, or sign into your Chase account on the web or in the app. Once you've generated the link, you can copy it and send it to your friend by email, text, or social media.

You can also generate referral links by clicking on "Account Services" and then "Refer-a-friend" on the website, or by clicking on "Refer Friends, Earn Rewards" in the Chase app.

How to Cite Chase

To cite Chase, you'll need to know how to log into your account. Log into your Chase account via the website or mobile app using your username and password.

To access the Refer-A-Friend section, navigate to the bottom right-hand side of the page on the website or scroll down on your mobile device until you see it. The Refer-A-Friend section is typically located where it says “Refer friends. Earn rewards.”

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The unique link to share with others can be copied using the “Copy link” button. This link will take others to a page showing the cards you are eligible to refer them to for a bonus.

You can earn points for each referral, but the amount varies by card. The earning caps also differ by card, so it's essential to know what to expect.

Here's a breakdown of the bonus points you can earn per referral for eligible cards:

Remember to check the specific details for the card you own, as the referral bonus and earning cap will be the same as the card you own.

To create a referral link or email, you can visit the Chase Refer-a-Friend site. From here, you can click the green "Refer Friends Now" button to generate links without signing in.

You can also click the "Sign In" button in the top right corner to log in and access your account services, where you can find the "Refer-a-friend" option.

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Alternatively, you can sign into the Chase app, select the desired card, and click on "Refer Friends, Earn Rewards" to generate a referral link.

Once you have generated your referral link, you can copy it and send it to your friend via email, text, or social media.

Here's a list of the steps to generate a referral link:

  1. Visit the Chase Refer-a-Friend site or sign into the Chase app.
  2. Click on the "Refer Friends Now" button or select "Refer-a-friend" from your account services.
  3. Generate your referral link by clicking the "Copy Link" button.
  4. Send the link to your friend via email, text, or social media.

Remember, you can earn rewards or cash back by referring someone to an eligible Chase card, depending on the card and the referral bonus.

Program Details

The current offer on some Chase cards is a 1.5% bonus on everything you buy, worth up to $300 cash back.

You can earn this bonus on up to $20,000 spent in the first year. Many Chase cards offer standard referral offers, such as 15,000 Ultimate Rewards per successful referral for the Sapphire Preferred card.

The standard referral offer for the Sapphire Preferred card is 15,000 Ultimate Rewards per successful referral. This offer is capped at 75,000 points from referrals each calendar year.

Ink Business card referrals offer a dynamic bonus between 20,000 and 40,000 points per business referred. The total referral limit per person is capped at 100,000 to 200,000 referral rewards per year.

Eligibility and Requirements

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To qualify for a Chase bank credit card referral, there are certain eligibility and requirements you need to meet.

Your account must be in good standing, meaning you're not behind on payments and haven't closed your account.

You can earn referral rewards on most Chase cards, but the specific rewards and limits vary depending on the card.

To get the welcome offer, your friends must apply for the specific card you linked to in your referral link, not another card in the program.

If your friend applies for a different card, even if it's part of the Refer-A-Friend program, you won't earn a bonus.

Here are some eligible cards for earning a Chase referral bonus:

Your friend must submit an application and get approved for the card to qualify for the referral bonus.

Bonus and Rewards

The Chase referral bonus is a fantastic perk that can earn you some serious rewards. You can earn up to $500 per calendar year for each friend who gets a Chase Freedom Flex℠ or Chase Freedom Unlimited card.

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If your friends apply for the card through your referral link and are approved, they're still eligible for the card's welcome offer, which can be significant. For example, the Chase Freedom Unlimited card offers an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.

The bonus for each successful referral can vary depending on the card. For instance, the Chase Sapphire Preferred Card offers 15,000 bonus points, while the Ink Business Preferred Credit Card offers 90,000 bonus points.

Here are some of the eligible cards for earning a Chase referral bonus:

  • Chase Freedom card family: Earn $50 cash back for each friend who gets a Chase Freedom Flex℠ or Chase Freedom Unlimited, up to $500 per calendar year.
  • Chase Sapphire Preferred Card: Earn 15,000 bonus points for each successful referral, up to 75,000 points per calendar year.
  • Chase Sapphire Reserve: Earn 15,000 bonus points for each successful referral, up to 75,000 points per calendar year.
  • Southwest Rapid Rewards credit cards: Earn 20,000 bonus points for each successful referral, up to 100,000 Rapid Rewards points per calendar year.
  • United MileagePlus credit cards: Earn 10,000 bonus miles for each successful referral, up to 50,000 miles per calendar year.
  • Avios credit card: Earn 10,000 bonus Avios for each successful referral, up to 50,000 Avios per calendar year.
  • Marriott Bonvoy credit card family: Earn 40,000 bonus points for each successful referral, up to 200,000 Marriott points per year.
  • Disney credit card family: Earn 100 Disney Rewards Dollars for each successful referral, up to 500 Disney Rewards per calendar year.
  • Chase Ink business card family: Earn up to 40,000 points for each successful referral, up to 200,000 points per calendar year.
  • Participating IHG One Rewards credit cards: Earn 10,000 bonus points for each successful referral, up to 50,000 IHG rewards per year.
  • World of Hyatt Business Credit Card: Earn 5,000 bonus points for each successful referral, up to 25,000 bonus points per calendar year.
  • Chase checking account: Earn $50 for each friend who opens a qualifying Chase checking account, up to $500 per calendar year.

You can earn up to 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on dining and drugstores, and 3% on all other purchases with the Chase Freedom Unlimited card.

Program Restrictions and Limitations

You can earn up to $500 cash back per year from the Chase Freedom Flex and Chase Freedom Unlimited cards, and up to 75,000 points per year from the Chase Sapphire Preferred Card.

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There are several restrictions to keep in mind with the Refer-A-Friend program. The person you send the referral link to must use that exact application link in order for you to receive the bonus points, and they also have to be approved for the card.

You have a cap on the amount of bonus points you can earn from referrals, and each card family has a different cap on the number of referrals eligible to earn a referral bonus. For example, the Chase Sapphire referral bonus maxes out at 75,000 points.

You are not eligible for a referral bonus if you use your own referral link to apply for a different card, and your account must be in good standing to receive bonuses.

Here's a breakdown of the referral bonus caps for each card family:

  • Chase Freedom Flex and Chase Freedom Unlimited: $500 cash back per year
  • Chase Sapphire Preferred: 75,000 points per year
  • Chase Sapphire Reserve: 50,000 points per year
  • Southwest Rapid Rewards: 100,000 points per year
  • United MileagePlus: 100,000 points per year
  • British Airways Visa Signature: 50,000 points per year
  • Marriott Bonvoy: 200,000 points per year
  • Disney Visa: 500 Rewards Dollars per year
  • Chase Ink: 200,000 points per year
  • World of Hyatt Business Credit Card: 25,000 points per year
  • IHG One Rewards Premier Credit Card and IHG One Rewards Traveler Credit Card: 50,000 points per year

Program Restrictions or Limitations

There are several restrictions to keep in mind with the Refer-A-Friend program. You can't earn a referral bonus if you use your own referral link to apply for a different card.

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The person you send the referral link to must use that exact application link in order for you to receive the bonus points. They also have to be approved for the card.

You have a cap on the amount of bonus points you can earn from referrals. Each card family has a different cap, and the Chase Sapphire referral bonus maxes out at 75,000 points.

You can earn a maximum of 10 referral bonuses per calendar year for qualified checking accounts, which comes with a $50 per referral bonus.

There Are Limits

There are limits to what you can earn from the Chase Refer-A-Friend program.

The maximum amount you can earn in referrals is limited per card you hold, and these limits reset each calendar year. You can earn up to $500 cash back per year with the Chase Freedom Flex and Chase Freedom Unlimited cards.

The Chase Sapphire Preferred Card has a limit of 75,000 points per year, and the Chase Sapphire Reserve Card has a limit of 50,000 points per year. The British Airways Visa Signature Card also has a limit of 50,000 points per year.

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You can earn up to 100,000 points per year with any Southwest Rapid Rewards card, any United MileagePlus card, and any Marriott Bonvoy card. The Disney Visa card has a limit of 500 Rewards Dollars per year, and the Chase Ink card has a limit of 200,000 points per year.

The IHG One Rewards Premier Credit Card and IHG One Rewards Traveler Credit Card have a limit of 50,000 points per year. The World of Hyatt Business Credit Card has a limit of 25,000 points per year.

Here's a summary of the limits for each card:

Using the Refer-a-Program

Using the Refer-A-Friend program is an easy way to earn more cash back or rewards without spending a dime. You can help spread the word and gain valuable rewards.

The program is available through Chase credit cards, and you can generate referral links through the referral website, your Chase account on the web, or the Chase app. There are multiple ways to generate these links, making it convenient for you to share with others.

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To get started, visit the Chase Refer-a-Friend site and click the green "Refer Friends Now" button to generate links without signing in. Alternatively, you can click the "Sign In" button in the top right corner to access more options.

Once you generate your link, you can copy it and send it to friends, family, or business contacts. You can also find your referral link by clicking on "Account Services" and then "Refer-a-friend" in your Chase account.

If you prefer to use the Chase app, sign in and click on the desired card to access the "Refer Friends, Earn Rewards" option. From there, you can copy and send your referral link to others.

It's worth noting that it can take up to eight weeks for your referral bonus to show up on your statement as a "Refer-A-Friend" or "Refer-A-Business" bonus.

Program Mechanics

To earn a referral bonus, the person you send the referral link to must use that exact application link and be approved for the card. You can earn up to 75,000 points from referrals on the Chase Sapphire card, depending on the card family.

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You can send a maximum of 25 email invitations through Chase's system within a 24-hour period, so be mindful of your email frequency. This limit is in place to prevent spamming and ensure the program's integrity.

Your account must be in good standing to receive bonuses, and you're not eligible for a referral bonus if you use your own referral link to apply for a different card. This means you can't game the system by applying for multiple cards through your own link.

General Landing Page

The General Landing Page is a game-changer for Chase Bank credit card referral enthusiasts. This is a new addition that allows you to access all your Chase refer a friend links in one spot after logging in.

You can find all your cards listed in a dropdown menu, although it's worth noting that canceled cards are also included. This might be a bit confusing, but it's actually a helpful feature.

The General Landing Page offers an easy copy and paste feature for the refer a friend link associated with each card.

Frequently Asked Questions

How to get the $200 from Chase credit card?

To get the $200 bonus from Chase, spend $500 within the first 3 months with a qualifying Chase credit card, such as the Chase Freedom Flex. Meeting this spending requirement can earn you a one-time $200 bonus.

Alan Donnelly

Writer

Alan Donnelly is a seasoned writer with a unique voice and perspective. With a keen interest in finance and economics, Alan has established himself as a go-to expert in the field of derivatives, particularly in the realm of interest rate derivatives. Through his in-depth research and analysis, Alan has crafted engaging articles that break down complex financial concepts into accessible and informative content.

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