If you hold a Chase credit card that you love, you’re probably telling others about it. Chase offers incentives through the Chase Refer-a-Friend program to spread the word about credit card products you love. With most Chase cards, you can generate a referral link through Chase Refer-a-Friend to share with others and earn bonus points if your friends are approved for a new card.
Here’s how the Chase Refer-a-Friend program works and how you can earn a referral bonus when a friend gets a new Chase card.
In this article…
What is Chase Refer-a-Friend?
Chase Refer-a-Friend is an incentive program that rewards Chase cardmembers for encouraging their friends and family to get new Chase credit cards. When your friend is approved for a new Chase card through your referral, you’ll receive cash or points. To refer a friend to a Chase card, you must visit a website to generate a referral link and your friend must apply for their Chase card through that referral link.
Chase Refer-a-Friend links are available for select product families and typically limit the number of referrals you can get paid for or the number of points you can earn.
Chase referral links are easy to generate and are a great perk for Chase cardholders. If you’re not a Chase cardholder and want to become one, check out our current best Chase Ultimate Rewards welcome bonuses.
What can you get from Chase Refer-a-Friend?
You can earn a handsome amount of points from Chase Refer-a-Friend. Here’s an overview of how much you can earn through Chase refer-a-friend from Chase’s most popular cards and card families.
| Card or card family | Bonus per referral | Maximum referral rewards per year |
|---|---|---|
| Chase Freedom cards Bonus is marketed as cash back, but awarded as Ultimate Rewards® points. | $50 cash back | $500 cash back |
| Chase Ink small business credit cards Bonus is awarded as Ultimate Rewards® points. | 40,000 This amount is slated to change on 9/3/2024 | 200,000 This amount is slated to change on 9/3/2024 |
| Chase Sapphire-branded cards Bonus is awarded as Ultimate Rewards® points. | Varies | 75,000 bonus points |
| British Airways Visa Signature® Credit Card Bonus is awarded as Avios points. | 10,000 bonus avios | 50,000 bonus Avios |
| Disney Visa cards Bonus is awarded as Disney Rewards Dollars. | 100 Disney Rewards Dollars | 5 referrals (500 Disney Rewards Dollars) |
| IHG One Rewards credit cards Bonuses awarded as IHG One Rewards points. | 20,000 bonus points. | 100,000 bonus points |
| Marriott Bonvoy® credit cards Bonuses awarded as Marriott Bonvoy® points. | 40,000 bonus points | 200,000 bonus points. |
| Southwest Rapid Rewards® credit cards Bonuses awarded as Rapid Rewards® points. | 20,000 bonus points. | 100,000 bonus points |
| United MileagePlus® cards Bonuses awarded as United MileagePlus® miles. | 10,000 bonus points | 100,000 bonus points |
| World of Hyatt Business Card Bonuses awarded as World of Hyatt bonus points. | 10,000 bonus points | 50,000 bonus points |
Three ways to get your Refer-a-Friend link
To refer a friend to Chase and earn points, you’ll need to find your Chase referral links and send them to your friend. Here are three ways you can access your links.
How to generate a Chase referral link through Chase.com
To generate your own Chase referral link, go to the Chase referral site at referyourchasecard.com. Enter your name, billing ZIP code, and last four digits of your card in the form and you’ll get your referral link, which you can send to your friends.
The link that gets generated will show cards in the same card family. If you hold a Chase Freedom Flex card, for example, your referral link will show welcome offers for the Chase Freedom Unlimited and Slate Edge cards, in addition to the Freedom Flex. The same is true for
One quirk of the Refer Your Chase Card site is that you can’t simply go to the site and generate referral links for all of your cards. If you try to create a referral link for a second card, you’ll get an error message saying that the site is already open. To resolve this message, simply close your browser window and start your browsing session again.
If you’re worried about sharing personal information by sending your link to a friend, don’t be. In most cases, the link doesn’t even display your name on the landing page that shows when you click through.
Once you’ve generated your referral link, you can send your link to friends and start earning rewards for new cardmember sign-ups.
Get your referral link on your mobile app
You can also get your Chase referral links in the mobile app. From the Chase mobile app home screen, click on the wallet with the plus at the top of the screen. Scroll down to the card that says “Refer Friends. Earn Rewards.” Clicking on “Refer friends now” will bring up a screen where you can get all of your referral links.
To get your link, click on “Copy link.” You can then paste the link into a message or email. If you have multiple Chase cards, you can select which card you want to refer from from the drop-down at the top of the page.
Get all your referral links in one place
Recently, Doctor of Credit published a link that allows you to view all of your Chase referral links in once place. Here it is. You mused be logged into your Chase account for this link to take you directly to your referral links.
https://secure02ea.chase.com/web/auth/dashboard#/dashboard/accountOpening/referAFriend/index
You won’t be able to see how much you’ve earned from your referral links on this page, but this is by far the most convenient way to get all of your referral links in once place. This link works best if you first log into your Chase account and then copy and paste the above link into your browser window.
Periodically refresh your referral links
When Chase changes its promotions, your referral links will still function, but the people you refer will see a message that the offer you sent is not available.
They will be redirected to a page with the current offer, but this might be confusing to some people.
If you’re going to refer a friend to Chase, it is a good practice to follow the referral link to check to make sure that the link doesn’t display this popup. If it does, simply go to referyourchasecard.com and re-generate the link.
Tracking your referral link rewards
Wondering how much money you’ve earned by referring your friends to Chase cards? Well, you can see how many referral bonuses you’ve earned by clicking on “Rewards Tracker” when you generate your referral link.
The rewards tracker link will scroll down further on the page and show you a progress bar that displays your referral earnings for the year. You won’t be able to see the status of each of your friends’ credit card applications. But once a friend that you refer has applied and is approved, the referral tracker should update shortly.
Note that the amount you can earn from your referrals is capped per card account. This cap resets at the beginning of the calendar year.
Which cards qualify for Chase referral links?
Not all Chase cards offer a referral program. Amazon cards, for instance, cannot generate referral links. Here’s a list of cards that are known to work with Chase’s referral program:
- Chase Freedom
- Chase Freedom Flex
- Chase Freedom Unlimited®
- Chase Sapphire Preferred® Card
- Chase Sapphire Reserve
- IHG Rewards Traveler
- IHG Rewards Premier
- Ink Business Cash
- Ink Business Unlimited
- Ink Business Preferred
- Marriott Bonvoy Boundless
- Marriott Bonvoy Bold
- Marriott Bonvoy Bountiful
- World of Hyatt Credit Card
You will likely pay taxes on refer-a-friend bonuses.
While you won’t pay taxes on most credit card rewards, you will likely get a 1099 and be required to pay taxes on any referral bonuses you receive. Why? The rewards you earn from purchases are generally considered a rebate by the IRS and therefore are not taxable. But the cash back or points you receive from a Chase referral bonus aren’t tied to a purchase you made—you receive them upon your friend’s card approval—so they can’t be considered a rebate.
This probably isn’t a reason to forego the points you’ll earn from referring a friend, but it could be a consideration if you are planning on holding the points for a larger redemption farther in the future. You’ll receive a 1099 in the year you earn your refer-a-friend points, not the year you redeem them. Chase generally values Ultimate Rewards® points at 1 cent apiece for tax purposes.
Frequently asked questions
How many miles/points can I earn from referring Chase cards?
This amount varies by card and changes from time to time. For example, you can currently $50 for each Chase Freedom referral, up to $500 or 40,000 points annually for each Chase Ink referral, up to 200,000 points each year.
Do Chase referral links expire?
Chase referral links do not expire, but when Chase changes its credit card promotions, the person clicking through on your referral link will see a “this offer is no longer available” message.
Do Chase referral links always have the best offer?
Chase markets cards through many different channels, and sometimes referral links show new cardmember offers that are less than you could get elsewhere. Be sure to visit our best Ultimate Rewards welcome bonuses page to see the best offers available on Chase cards.
Can I apply to a referral link offer and then get matched to a better offer?
Chase will usually match your new cardmember bonus offer to the best public offer if you contact them and ask within about a month of applying for a card.
