Earn rewards with Chase’s Refer-A-Friend program
Editor's Note
A referral bonus is a win-win. When you refer a friend to a new card, you earn bonus points, miles or cash back without making any purchases. Your friend can also earn a substantial welcome offer after meeting a spending requirement.
Chase's Refer-A-Friend program is generous. If you hold certain Chase credit cards (including Chase's suite of cobranded cards with United, Hyatt, Southwest, IHG, Marriott and Disney) and are eligible, you can earn bonus points, miles or cash-back for successful referrals.
So, how do Chase card referrals work? Let's walk through the process in this guide.
How to refer a friend to a Chase card
It's easy to refer someone. Here's how to generate the link to refer your friends, family members and colleagues.
On a computer, navigate to Chase's dedicated landing page for all referral links. This page features a drop-down box of all your Chase cards and an option to generate a link on the spot to send to a friend.
You'll need to sign in to your Chase account to access this page.
You can also find this feature in the mobile app. Log in to the Chase app, navigate to the "More" tab and select "Refer a friend."
From there, you can share your unique link via text message or social media, or simply copy it.
Related: Refer friends to Sapphire cards for bonus points per application
How to earn a Chase referral bonus
To earn a referral bonus, you'll need to generate a unique application link for someone to use. Then, the person you're referring must access the application through your link and be approved for a card. You can refer a friend, family member or co-worker.
You'll earn the bonus after the person you referred is successfully approved for the card.
Depending on the card, you'll receive anywhere from 10,000 to 40,000 bonus points or miles per referral. This includes cobranded cards.
You can also earn cash bonuses when referring friends to the Chase Freedom Flex® (see rates and fees), Chase Freedom Unlimited® (see rates and fees) or a Chase checking account.
You can repeat these referrals multiple times, but your earnings are capped between 50,000 to 200,000 bonus points or miles or $500 cash back (in the case of Freedom cards and checking accounts) per calendar year.
Chase cards with referral bonuses
The card your friend successfully applies for determines how many bonus points or miles or how much cash back you'll receive, and how much you can receive before you reach the limit.
| Chase card | Referral bonus for each referral | Referral bonus limit per year |
|---|---|---|
| Chase Sapphire Preferred® Card (see rates and fees) and Chase Sapphire Reserve® (see rates and fees) | 15,000 Chase Ultimate Rewards points | 100,000 points |
| Chase Freedom Flex and Chase Freedom Unlimited | $50 cash back | $500 cash back |
| Southwest Airlines cards | 20,000 Southwest Rapid Rewards points | 100,000 points |
| United Airlines cards | 10,000 United MileagePlus miles | 100,000 miles |
| Marriott Bonvoy cards | 40,000 Marriott Bonvoy points | 200,000 points |
| Disney® Visa® Card (see rates and fees) and Disney® Premier Visa® Card (see rates and fees) | 100 Disney Rewards Dollars | 500 Disney Rewards Dollars |
| Ink Business cards* | 20,000 Chase Ultimate Rewards points | 100,000 points |
| IHG One Rewards cards | 10,000 IHG One Rewards points | 50,000 points |
| World of Hyatt Business Credit Card (see rates and fees)** | 10,000 Hyatt points | 50,000 points |
You can find a full list of each individual Chase card eligible for a referral bonus on this page.
Remember, your friend must use your personalized link for you to earn your bonus.
*Chase will soon implement a new rule that will restrict you to only earning a referral bonus for referring new Ink Business cardholders: "Effective October 7th, 2025, you will be eligible to receive referral bonus awards for new Chase Business card customers only. Referrals of individuals with existing Chase business card accounts will no longer qualify for the referral bonus."
If you want to refer an existing Chase Ink Business card customer (cobranded Chase business cards are excluded for now), it's important that you do so before Oct. 7. This doesn't affect welcome bonus eligibility, just referral bonuses that you may earn.
**Some cardholders are not eligible to receive bonuses for referrals to the World of Hyatt Business card. Check your account to see if you can earn bonus points.
This news comes on the heels of Chase updating its welcome bonus eligibility rules for the personal Sapphire cards.
Related: Can I refer someone to a business credit card from a personal credit card?
What to know about Chase referral bonuses
There are additional considerations to be aware of when you're referring Chase cards.
You don't have to have the card to refer it
You can refer your friends to cards you don't hold. For instance, I only have the Sapphire Preferred, but my referral link also mentions that I'll earn bonuses for those who are approved for the Sapphire Reserve.
You also don't necessarily have to be friends with your referral partner. Just make sure they follow the proper steps to be approved with your personalized link.
Ensure your friend is getting the best welcome offer
It's important to note that your friend might not receive the highest available welcome bonus if they apply through a referral link.
Not everyone will see the same bonuses, so be a good friend and be sure the people you refer know where they can find the best targeted welcome bonus offer for themselves.
For instance, the Chase Sapphire Preferred is currently offering 75,000 bonus points after $5,000 in spending within the first three months of account opening. You'll want to check this offer against the one that appears through your referral link to ensure they're getting the best deal.
Your bonus could take a while to arrive
It could take up to eight weeks for you to see bonus points, miles or cash back posted to your account from a referral.
You may have to pay taxes on referral bonuses
Finally, keep in mind that some banks have sent out 1099s for referral bonuses in the past.
Keep in mind that your referral bonuses may be considered income, especially if you max out your earnings with referral bonuses. Speak to a tax professional if you're uncertain about owing taxes on referral bonuses.
Related: If I cash out my points and miles, do I have to claim it on my taxes?
Bottom line
Referral bonuses are an excellent way to earn bonus points and miles without making additional purchases.
The most important factor to remember is to ensure your friends go through your personalized link when they apply. Otherwise, you won't get a referral bonus.
Related: The best time to apply for these popular Chase credit cards based on offer history
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.