Chase Refer-A-Friend: A Guide To How Referrals Work

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Do you love your Chase credit card? Do you love getting free perks? Then you might want to take advantage of the Chase Refer-A-Friend program. It doesn’t cost cardholders a penny to get involved. All Chase members have to do is send their referral link to a friend and rake in the rewards.

What Is the Chase Refer-A-Friend Program?

The Chase Refer-A-Friend program is a referral rewards program that pays members in cash back, miles or rewards points on their credit cards each time a friend they refer is approved for a new credit card. The company offers referral programs for all its credit cards, so all Chase cardholders can earn extra rewards, and now so can their friends.

The rewards Chase offers are specific to the credit card the cardholder has. For example:

How Do You Get Your Chase Refer-A-Friend Bonus?

The Chase Refer-A-Friend program is easy to take advantage of. Follow the steps below to get started:

  1. Go to the Chase Refer-A-Friend page. The Chase Refer-A-Friend page lists all offers cardholders can send to their friends.
  2. Find the credit card you want to refer your friend to. The web page lists all offers currently available at Chase. Find the one you want to tell your friend about, and click the “Refer friends now” link. 
  3. Fill out your information. Fill out your information, including your last name, zip code and the last four digits of your credit card number and click “Continue.” This is an important step because it gives the referrer credit for the referral.
  4. Fill out your friend’s contact information. Now, you will need to include their name, email address or mobile phone number so that Chase can send the referral link. 
  5. Tell your friend. Make sure to tell your friend the email or text message is a referral from you and isn’t spam.  
  6. Get rewarded. If your friend is approved for the credit card, you earn rewards.
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It’s also worth mentioning that reward values differ between offers. For example, cardholders who refer friends to the Chase Sapphire Preferred® card earn 15,000 points per referral, while those who refer friends to the Southwest Rapid Rewards credit card earn 20,000 points for each referral.

How Much Do You Get if You Refer a Friend?

As with many credit card reward programs, there are some limitations to the Chase Refer-A-Friend program. First and foremost, each different card has a limited number of points cardholders will earn per friend. Also, cardholders can refer as many friends as they’d like, but Chase rewards cardholders for only the first five referrals they send per year.

Your bonus will vary depending on which Chase cards you have. The amount and currency of the bonus you earn directly correlates with the credit cards your referred friend signs up for. 

To put it simply, if your friend uses your referral link for Chase Freedom Unlimited®, you earn the following rewards.

  • $100 cash back once the application is approved.
  • $500 annual cap as you can only get the bonus five times per year.

Another example would be the Chase Sapphire Preferred® Card — if you refer a friend and their application is approved you could earn the following rewards.

  • 15,000 bonus points per approval referral.
  • 75,000 point annual cap as you can only complete successful referrals five times per year.
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Popular Chase Credit Cards

Those who want to take advantage of the Refer-A-Friend program but don’t have a Chase credit card should consider the following options to get the most bang for their buck: 

The Bottom Line

The Chase Refer-A-Friend program is an effective way for cardholders to boost their rewards earnings, although cardholders with more than five friends to refer may want to limit their referrals to five per year to get the most rewards for their referrals.

Caitlyn Moorhead contributed to the reporting for this article.

Data is accurate as of Jan. 20, 2023, and is subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

The information related to Chase Freedom, Disney Visa, United Mileage Plus, Southwest Rapid Rewards and Chase Sapphire Preferred cards was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products/cards. Product details may vary. Please see issuer website for current information. GOBankingRates does not receive commission for these products.

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About the Author

Joshua Rodriguez is a personal finance and investing writer with more than 10 years of experience. He is the founder of CNA Finance. His work has been featured on U.S. News & World Report, Money Talks News and several other mainstream outlets. 
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