Guides

Earn rewards with Chase’s Refer-A-Friend program

Augusta StoneCredit cards writer
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
— Reviewed by
Paige BalcomCompliance associate
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.

August 12, 2026 • 7 min read

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Quick summary

Referral programs allow cardholders to earn bonus points, miles or cash back when friends or family are approved for new cards using a personalized link.
You can generate a referral link online or via a mobile app, and share it with others through various channels.
Bonus amounts and annual earning caps vary by card, with some products offering points, miles or cash back for each successful referral.
Your friend may not always receive the highest available welcome offer through a referral link, so it's important to compare offers.

What to consider

Referral bonuses are only awarded if the applicant uses your unique link and is approved for the card.
Annual caps apply to referral earnings and may differ by product type.
Referral bonuses may be considered taxable income and could require reporting to tax authorities.

What you'll miss from the article

Step-by-step instructions for generating referral links and tips to ensure both you and your friend maximize available offers.

Generated by AI with support from our editorial team.

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.

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.

Young woman using e-commerce services on a city break — MILKO/GETTY IMAGES

Depending on the card, you'll receive between 10,000 and 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 and Chase Sapphire Reserve for Business℠ (see rates and fees)*	40,000 Chase Ultimate Rewards points	200,000 points
IHG One Rewards cards	10,000 IHG One Rewards points	50,000 points
World of Hyatt Business Credit Card (see )**	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.

*You are 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.

**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.

What to know about Chase referral bonuses

There are additional considerations to be aware of when you're referring to Chase cards.

You don't have to have the card to refer to 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.

Young friends doing online shopping credit card on laptop — WESTEND61/GETTY IMAGES

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 make sure the people you refer know where to find the best targeted welcome bonus for them.

Two friends use a credit card to make a purchase through a smart phone — MARTIN-DM/GETTY IMAGES

For instance, the Chase Sapphire Preferred is currently offering 75,000 bonus points, earned 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.

However, we have seen some instances of bonuses from referrals being higher than the publicly available bonus, so be sure to check before you send.

Your bonus could take a while to arrive

It could take up to eight weeks for bonus points, miles or cash back from a referral to be posted to your account.

You may have to pay taxes on referral bonuses

Finally, keep in mind that some banks have previously sent out 1099s for referral bonuses.

Your referral bonuses may be considered income, especially if you max out your earnings from them. Speak to a tax professional if you're uncertain about owing taxes on referral bonuses.

Bottom line

Chase's Refer-A-Friend program is one of the easiest ways to earn bonus points, miles or cash back without changing your spending habits.

The most important thing to remember is to ensure your friends use your personalized link when they apply. Otherwise, you won't get a referral bonus.

Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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