You can now refer your friends to any Chase Freedom card

Feb 20, 2020

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Editor’s note: This post was originally published on Jan 1, 2020. It has been updated to reflect the expansion of Freedom-family referrals.

If you’re trying to top off your points balance in the New Year for your dream redemption, you’re probably thinking about opening a new credit card, putting a big purchase on a card or maximizing bonus categories. But one often overlooked method you should consider is referrals. It’s an easy way to earn points by referring friends and family to credit cards when they click on and apply for your refer-a-friend link.

Chase offers a referral bonus across many of its cards. There’s even a dedicated refer-a-friend page on the issuer’s website that lists the cards that offer referral bonuses. If you currently carry any of the applicable cards in your wallet, simply click on the “Invite friends now” icon, enter your last name, ZIP code and last four digits of your card. You can then share your personalized link or distribute it via email, Facebook or Twitter.

Related: How to Refer Friends and Earn Points, Miles or Cash Credits

Normally you can only refer a friend to a credit card that you currently have. American Express bucked this trend a while back by allowing you to refer friends to cards in a different product family, including ones you don’t currently have. Now, Chase has made a similar expansion to its program for Chase Freedom (No longer open to new applicants) and Chase Freedom Unlimited cardholders, allowing you to refer a friend from either member of the Freedom family to either member of the Freedom family. This means that if you have a Chase Freedom but your friend wants a Freedom Unlimited, you can still earn a referral bonus if they sign up using your link.

The bonus currently sits at $100 per referral (up to $500 per year), but if you also have a card that earns full Ultimate Rewards points — like the Chase Sapphire Reserve — you can convert that cash-back bonus into 10,000 Ultimate Rewards points instead.

Note that the two Freedom cards aren’t the only ones from Chase to offer referral bonuses. Here’s a full list of current offers for existing cardholders when a friend or family member is approved through your referral link:

The information for the Disney Premier Visa, Chase Freedom has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

Earning welcome bonuses, spending at merchants with category bonuses and putting your everyday purchases on credit cards aren’t the only ways to earn points and miles. Heading into 2020, you can rack up thousands of points just by sharing your referral link to friends and family to get them started in the points and miles game, too. And now, if you hold either the Chase Freedom or Chase Freedom Unlimited, your loved ones can select either card without impacting your eligibility for a referral bonus.

Additional reporting by Victoria Walker.

Featured photo by Riley Arthur for The Points Guy

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points


CARD HIGHLIGHTS: 3X points on dining and 2x points on travel, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

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More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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