Chase Credit Card Refer-A-Friend Program: Up to 200,000 Bonus Points Per Year

Earn up to 200,000 bonus points a year when your family and friends use your referral link to apply for a Chase credit card and are approved.

• Update 9/21/2023: Now you can earn up to 200,000 bonus points for referring a friend to open a Chase credit caard.

The Chase credit card refer-a-friend program is an easy way to rack up on bonus points, without having to make any purchases. Eligible cards include ones that earn Chase Ultimate Rewards as well as co-branded cards.

Keep reading for everything you need to know about this rewarding referral program, including a few tips and tricks.

Chase also offers great sign-up bonuses for their Checking/Savings accounts.

What Credit Cards Can I Refer?

Click here for the updated list of cards from the official Chase site.

You can only refer the specific Chase credit card you have in your wallet. So if you have a Chase Sapphire Preferred® Card, you can refer that credit card (if the card had a referral bonus available).

The only exception to this rule are Southwest credit cards. For example, if you hold a Southwest Rapid Rewards® Premier Credit Card, you can refer a Southwest Rapid Rewards® Priority Credit Card (if the Priority card has a referral bonus available).

Referral bonuses are also not available for every Chase card. The list of eligible cards changes from time to time. You’ll have to regularly check to see if your card qualifies for a referral bonus.

Here’s a list of Chase cards that have had referral offers before:

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How Much Can I Earn?

Referral bonuses vary from card to card. Here are some examples of previous offers:

List updated 9/21/2023

Card Name	Earning per referral	Max earning per year
Chase Freedom Unlimited®	$50 cash back	$500 cash back
Chase Sapphire Preferred® Credit Card	15,000 points	75,000 points
Chase Sapphire Reserve® Credit Card	10,000 points	50,000 points
Southwest Rapid Rewards® (any card)	20,000 points	100,000 points
United MileagePlus® Card (any card)	10,000 points	100,000 points
British Airways Visa Signature® card	10,000 points	50,000 points
Marriott Bonvoy® credit card (any)	40,000 points	200,000 points
World of Hyatt (any)	5,000 points	25,000 points
Disney Visa Card	100 Disney Rewards Dollars	500 Disney Rewards Dollars
Chase Ink® (any card)	200,000 points	100,000 points
IHG Rewards credit card (any)	10,000 points	50,000 points

Click here for updated offers from the official Chase site.

There’s no limit to how many referrals you can send, but you can only earn a limited number of referral bonuses per year.

People have complained that it takes quite some time for referral bonuses to post. In general, they should appear in your account with the second billing cycle after card approval.

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How Do I Refer A Friend?

Follow the simple steps below to refer your friends and earn bonus rewards:

1. Go to the Chase Refer-A-Friend site and enter your last name, zip code and last 4 digits of your credit card number.
2. See if there’s a referral offer for your credit card. Be sure to check often because referral promotions change from time to time.
3. Share your referral link by copying and sharing it wherever or directly from the site via email, Facebook or Twitter.
4. Wait for your friends to apply and get approved.

You can also refer your friends via the Chase mobile app. Log in, and you’ll find a list of your active Chase cards. Tap on the three dots in the lower right corner next to the card you want to refer, then tap on “Refer friends.” This option will only be available if the card is eligible for referral bonuses.

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Tips & Tricks

Avoid email referrals. If you choose to send your referral link via email from the Chase site, it can take up to 7 days for the referral email to send. Instead, copy your link and send the email yourself.

Chase 5/24 rule. Chase won’t approve your friend’s application if they’ve signed up for more than five cards from any bank in the last 24 months. Make sure your friend is aware of this.

Sign-up bonus. Don’t forget to mention to your friend about any sign-up bonuses for the card they’re applying for. Not only will you be rewarded, they will too (if they meet the requirements)!

Authorized users. You’ll receive a bonus for referring authorized users on your card for their own card. Plus, your authorized users will also receive the card’s sign-up bonus (if they meet the requirements).

Taxes. If Chase sends you a 1099 for referral bonuses, you’ll be responsible for paying taxes on the points you receive. We recommend contacting a tax professional if this is the case.

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Bottom Line

The Chase credit card refer-a-friend program is a great way to earn bonus points or miles without having to spend a penny. If you have family or friends who are looking for a new credit card, consider referring them to Chase. Inviting them takes just a minute or two, and you’ll get rewarded handsomely.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.