Want an alternative way to earn lots of extra Ultimate Rewards points each year?

With the Chase Refer a Friend program, you can earn up to 100,000 bonus points per year when you invite friends and family to sign up for a Chase credit card.

Chase is one of three major Refer a Friend programs along with American Express and Discover that reward you for encouraging others to sign up for the credit card benefits you already enjoy.

You can learn more about the other programs with our guides:

Here's how the Chase Refer a Friend program works and which credit cards come with referral bonuses you can earn.

chase sapphire reserve credit card

You can earn extra Ultimate Rewards points by referring friend to the Sapphire Reserve


What Is Chase Refer a Friend?

The Chase Refer a Friend program is a referral program that Chase cardholders can use to earn bonus points or cash back when a referred friend signs up for a Chase credit card.

To use the program, someone you refer must be approved for a Chase credit card using your unique referral link which you can generate through the Refer a Friend landing page.

The program allows you to earn up to $500 cash back or 100,000 bonus points every year.

If you have a Chase rewards card, it definitely pays to participate in the Refer a Friend program.

Maybe you have a friend that's heard about the travel perks you enjoy with the United Explorer Card or the free stays you've earned with the Marriott Bonvoy Boundless Credit Card and they're ready to enjoy the same perks.

By simply giving them your referral link, you can both earn bonus points: the referral bonus for you and the welcome offer for them.

Even a single referral bonus can go a long way toward earning free flights, hotel stays, and other travel rewards and it's definitely the easiest way to earn a lot of credit card points in a hurry if you know someone who might be interested.

How Does Chase Refer a Friend Work?

The Chase Refer a Friend program is very simple:

  • Generate your personal referral link using one of the steps below.
  • Send your referral link to a friend or family member via text, email, Twitter, Facebook, or through the Chase mobile app.
  • Once your friend applies and gets approved using your link, you get a referral bonus.
how to refer a friend to chase credit cards

It's easy to use Chase's Refer a Friend program


The referral bonus you receive depends on which credit card you refer. You may get anywhere from $50 to $150 cash back or up to 20,000 bonus points per referral up to an annual limit.

To earn a referral bonus, you need to make sure you have an eligible Chase credit card and understand the fine print.

Only some Chase credit cards are eligible for the Refer-a-Friend program. The good news is the list includes many of the most popular Chase cards. You can find out which cards qualify below.

The biggest catch with the Chase Refer-a-Friend program is you can only refer friends and family to the specific Chase card you have, unlike the American Express Refer-a-Friend program.

That means if you have the Marriott Bonvoy Boundless Credit Card and your friend uses your referral link but signs up for The World of Hyatt Credit Card instead, you won't get a bonus.

There's one exception: Chase Southwest cards.

If you have a Southwest credit card, you can refer people to any other participating Southwest card.

You won't be told when someone you refer applies for a Chase card or if they are approved or denied. If someone you refer is approved, though, the referral bonus points will appear within two billing cycles or about 8 weeks

How to Refer a Friend To Chase Credit Cards

Follow these tips to get the most out of Chase's Refer a Friend program. There are several ways to create referrals and send them to your friends.

Refer a Friend Online

To participate in Chase Refer a Friend, you simply go to the Chase Refer a Friend landing page and enter your zip code, last name, and the last four digits of your Chase card.

On the next page, you enter the name and email address of the person you want to refer or choose the option to post a link on Facebook or Twitter.

You'll also get a personalized referral link you can share.

Keep in mind using the Chase website to send referral emails can take up to one week.

An alternative is simply copying your personalized link and sending it directly to your friends.

Refer a Friend on Mobile

Chase also allows you to refer a friend through the Chase mobile app.

After logging in, click on the dots near "pay card" and select "Refer Friends" from the menu.

You'll have the option to send your referral link through the app by text or email.

Chase Cards That You Can Refer a Friend

Ready to see what type of referral bonus you can get with your Chase credit card?

Many Chase rewards credit cards participate in Refer-a-Friend to earn cash back or bonus points.

Note that referral bonuses -- and even the Chase credit cards that participate -- are subject to change.

Unfortunately, the person you refer may not be getting the best welcome offer, either.

The public sign-up offer or an in-branch offer may be better than what your friend will get through the referral link. Chase is known for offering certain welcome offers only in physical branches for bank customers.

Here are the Chase credit cards currently participating in Chase Refer-a-Friend plus the referral bonuses you can earn.

Chase Sapphire Preferred

Referral offer: 15,000 bonus points (up to 75,000 points per year)

This mid-range travel rewards card has a lot going for it with a low $95 annual fee that already covers the included Priority Pass membership.

It's also one of the only credit cards that offers primary rental car insurance and perks like 2x points on dining and travel.

Marriott Bonvoy Boundless Credit Card

Referral offer: 20,000 bonus points (up to 100,000 points per year)

The Marriott Bonvoy Boundless Credit Card is the premium Marriott credit card that earns up to 6x Marriott bonus points on spending.

By earning Marriott points on all purchases, you can earn free stays at Marriott hotels around the world even faster.

The World of Hyatt Credit Card

Referral offer: 5,000 bonus points (up to 25,000 points per year)

This credit card earns Hyatt points that can be redeemed for free stays at Hyatt hotels. The card earns 4x Hyatt points at Hyatt properties, 2x points on bonus categories, and 1x points on everything else to earn free stays faster.

Chase Freedom Flex

Referral offer: $50 cash back (up to $500 cash back per year)

The Chase Freedom Flex is one of the most popular rewards cards with the ability to earn 5% cash back on popular rotating bonus categories and an unlimited 1% back on everything else with $0 annual fee.

Chase Freedom Unlimited

Referral offer: $100 cash back (up to $500 cash back per year)

This card also has $0 annual fee and offers a flat 1.5% cash back on all spendings -- perfect if you want a no-fuss rewards program.

Ink Business Preferred Credit Card

Referral offer: 20,000 bonus points (up to 100,000 points per year)

The Ink Business Preferred Credit Card is one of the most popular business rewards cards. It has a $95 annual fee but earns 3x points on popular business categories like travel, shipping, internet, cable, phone service, and social media and search engine marketing.

Ink Business Unlimited Credit Card

Referral offer: $150 cash back (up to $750 cash back per year)

This no-nonsense business rewards card earns a flat 1.5% cash back on all spending with $0 annual fee and employee cards at no extra cost.

United Explorer Card

Referral offer: 10,000 bonus miles (up to 50,000 miles per year)

This card offers a great value for frequent flyers. With an annual fee of just $95 (waived for 1st year), it includes perks like free Global Entry, 2 one-time United Club passes per year, and United perks like 25% back on in-flight purchases, priority boarding, and a free first checked bag.

Southwest Rapid Rewards Cards

Referral offer: 10,000 bonus points (up to 50,000 points per year)

Four Southwest Rapid Rewards cards earn the same referral bonus and it doesn't matter which card your friend chooses. The participating cards include the Southwest Rapid Rewards Priority Credit Card, the Southwest Rapid Rewards Premier Credit Card, the Southwest Rapid Rewards Plus Credit Card, and the Southwest Rapid Rewards Premier Business Credit Card.

With a Southwest Rapid Rewards card, you can earn upgraded boardings, annual travel credits with Southwest, and cash back on in-flight purchases plus points that can be used for Southwest flights, hotel stays, car rentals, and more.

Disney Premier Visa Card

Referral offer: 100 Disney Rewards Dollars (up to 500 Disney Rewards Dollars per year)

The Disney Premier Visa card from Chase is a must for die-hard Disney fans with 2% back in Disney Rewards Dollars on popular categories like groceries, gas, restaurants, and Disney locations. Points can be redeemed for Disney theme park tickets, hotel stays, airfare, merchandise, and more to make your next Disney trip more affordable.

Wrap Up

The Chase Refer a Friend program is an easy way to pass on great rewards to your friends and family while earning substantial bonus points or cash back.

Every time you refer someone to the Marriott Bonvoy Boundless Credit Card, for example, you get more than enough bonus points for a Category 1 hotel redemption worth anywhere from $60 to $125 or two off-peak Category 1 stays at 5,000 points per night.

If you know someone who might benefit from one of the Chase credit cards you have, referring them only takes a few minutes and you can both benefit from bonus points to boost your rewards account balances.


Who is eligible for Chase Refer-a-Friend?

To be eligible for a Chase Refer-a-Friend referral bonus, you must have one of the Chase credit cards participating in the program. Refer someone who uses your referral link, applies for the same Chase card you have, and gets approved.

What cards are included in Chase Refer-a-Friend?

These Chase cards are included in Chase Refer-a-Friend:
- Chase Freedom
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- Ink Business Preferred
- Ink Business Unlimited
- United Explorer
- Marriott Bonvoy Boundless
- World of Hyatt card
- Four Southwest Rapid Rewards credit cards
- Disney Visa

How do I create my Chase Refer-a-Friend referral link?

To create your Chase Refer-a-Friend link go to the Chase Refer-a-Friend landing page or the Chase mobile app. Send the link directly to friends through Chase or copy the link to send in a text or email.

How long does it take to earn the Chase referral bonus?

After your friend is approved for a Chase card, you should receive your Chase referral bonus within 2 billing cycles or around eight weeks.

How many Chase referral points can I earn per year?

You can earn up to 100,000 points per year with Chase referrals. Note that the annual maximum depends on the card and, of course, the value of the points you earn.

Are business cards included in Chase Refer-a-Friend?

Yes, there are three business cards that participate in Chase Refer-a-Friend: Ink Business Unlimited, Ink Business Preferred, and Southwest Rapid Rewards Premier Business card.