Chase Refer-A-Friend: Earn up to 200,000 Chase Points [Every Year!]

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Long considered one of the most valuable and flexible points currencies, miles and points enthusiasts are always happy to earn Chase Ultimate Rewards points. One reason the points are so valuable is that you’ll have flexible redemption options such as access to both airline and hotel rewards, thanks to its many transfer partners.

One of the ways to earn more Ultimate Rewards points quickly is through the Chase Refer-A-Friend program, as you’ll receive bonus points when your friends sign up for a new Chase credit card.

Not only can you refer friends to cards that earn Ultimate Rewards points, but you can also share referrals to Chase cards that earn United miles, Southwest Rapid Rewards, and Marriott Bonvoy points.

Let’s look at how the program works and how you can add to your Ultimate Rewards account balance with referrals.

How To Find Your Chase Referral Links

Chase has put together a simple site where you can create all your referral bonus links. You can then send referrals to friends via email or share your referral links on Facebook and Twitter. You can also use the Chase app to refer friends.

The process is simple: once a friend applies and is approved for a card through your referral link, you’ll receive a bonus. The number of points you receive depends on which card your referred friend signs up for.

Your friend will also likely be eligible for a welcome bonus, which only sweetens the deal for everyone!

Chase Refer-A-Friend
Use the Chase Refer-A-Friend program to earn some extra reward points for your next vacation. Image Credit: Chase

When you visit the Chase Refer-A-Friend site, you’ll need to provide 3 pieces of information to access your referral links:

  1. Last name
  2. ZIP code
  3. Last 4 digits of your card number

Your Referral Details

Chase Refer a Friend
The referral site will have all the information you need including referral options, links, and annual limits. Image Credit: Chase

This page will give you the details of how many points per card you can earn for each referral bonus. It will also indicate the maximum reward points you may earn through referrals each calendar year.

How To Refer a Friend

You have 4 options for sharing your referral links — email, Facebook, Twitter, and the Chase mobile app. Let’s talk about each.

Email Referrals

Chase Email Referral
Chase referrals can take up to 7 days to send via email. Image Credit: Chase

Emailing your referral link directly to a friend is the first option you’ll see. It requires you to enter the first name and email address of your recipients. Surprisingly, it can take up to 7 days for the referral email to be sent, making this the slowest method for referring a friend.

Facebook Referrals

Chase Facebook Referral
Share your Chase referrals on Facebook to reach a wider audience of friends. Image Credit: Chase

By clicking the Facebook button, you’ll be shown a Share on Facebook link that will create a post with your referral link to share on your Facebook profile. Unlike email referrals, this link is created immediately and can be shared instantly.

If you prefer, you can copy the link and paste it into an email for a faster workaround to the email system.

Twitter Referrals

Chase Twitter Referral
Creating a referral link via Twitter is probably the most popular way to refer friends. Image Credit: Chase

Referring friends to Chase cards via Twitter is virtually the same as via Facebook. Click the Twitter button and click Share on Twitter to create a tweet with your referral link. As with Facebook, this link will be created right away so you can share it immediately.

This might be the most common method of creating a link to share with friends since you can share it so quickly.

Chase Mobile App

Chase app
The Chase mobile app makes referring friends easy and quick. Image Credit: Chase

Chase has now added the ability to refer friends via the Chase mobile app, which makes it even easier to refer a friend on the spot.

Once you’ve logged in and are viewing an overview of your accounts, you can find the card to which you want to refer a friend. Under the card name, you’ll see an option to Pay Card and 3 blue dots next to that. Click the dots and, if you’re eligible to refer, you’ll see the option to Refer Friends.

You’ll then be taken to a screen that will allow you to send an email or text invite.

Chase Credit Cards Eligible for Referral

The cards eligible for referrals change occasionally, so if you can’t refer someone today be sure to check again later. Note that the opposite is also true: some cards may be eligible today, but won’t be at a later date.

In most cases, in order to refer a friend to a Chase credit card, you must be a cardholder of that card. However, this is not always the case.

For example, if you have a Chase card that is no longer available for applications, you may still be able to refer other Chase cards. Cardholders of the Ink Business Plus® Credit Card may be able to refer other Chase business cards, and holders of a Chase Freedom® card may be able to refer to a Chase Freedom Unlimited® card.

Your Chase Refer-A-Friend dashboard will list all of your available options.

Now let’s look at some examples of Chase referral bonuses.

Current Chase Referral Bonus Examples

Here is a snapshot of some of the Chase cards available for referral via the Refer-A-Friend program.

Chase Sapphire Preferred® Card

  • Earn 15,000 bonus points for each friend who gets the Chase Sapphire Preferred card through your referral link
  • Earn a maximum of 75,000 bonus points per year (5 referrals)

Freedom Unlimited Card and Chase Freedom Flex℠ Credit Card

  • Earn $100 cash-back for each friend who gets a Chase Freedom card through your referral
  • Earn a maximum of $500 per year (5 referrals)

Ink Business Preferred® Credit Card

  • Earn 20,000 bonus points for each business owner who gets the Ink Business Preferred card through your referral
  • Earn a maximum of 100,000 bonus points per year (5 referrals)

Southwest Rapid Rewards Credit Cards

United Credit Cards

  • Earn 10,000 miles for each friend who is approved via your referral link for any United-branded credit card (like the popular United℠ Explorer Card and United Quest℠ Card)
  • Earn a maximum of 50,000 bonus miles per year

Marriott Bonvoy Credit Cards

  • Earn 40,000 bonus points for each friend who gets any Chase Marriott Bonvoy credit card (like the Marriott Bonvoy Boundless® Credit Card)
  • Earn a maximum of 200,000 bonus points per year (5 referrals)

World of Hyatt Card

  • Earn 5,000 bonus points for each friend who gets the World of Hyatt Credit Card through your referral link
  • Earn a maximum of 25,000 bonus points per year (5 referrals)

IHG Rewards Club Credit Cards

Disney Rewards Visa Card

  • Earn 100 Disney Rewards Dollars for each friend who gets the Disney card through your referral link
  • Earn up to 500 Disney Rewards Dollars per year (5 referrals)

Note that this is not an all-inclusive list of all Chase cards that are available for referral, but rather a sampling of some of the most popular. Log in to your Chase account to view your own list of eligible cards, including both personal and business Chase cards.

Final Thoughts

Chase’s Refer-A-Friend program is an excellent way to earn Ultimate Rewards points, cash-back bonuses, hotel points, Disney Dollars, or airline miles.

Also, with multiple ways to share your referral link, it’s easy to get the word out to your friends and family.

With minimal effort, you’ll be adding rewards to your account in no time and helping a friend or family member earn rewards as well.

The information regarding the Chase Freedom Unlimited® card, Chase Freedom Flex℠ Credit Card, IHG® Rewards Club Travelers Credit Card, and Disney Rewards Visa Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently asked questions

What Chase cards can be referred?

The cards eligible for referral change occasionally. If a card you have is not available today, it might be within a few months.

Who can create a referral link to a Chase card?

Only Chase cardholders may refer others to Chase cards. You’ll find a list of eligible card referrals on your Chase Refer-A-Friend dashboard.

How can I find my referrals?

Can I refer others to Chase business cards?

Yes, you can refer other business owners to Chase’s business cards.

Spencer Howard

About Spencer Howard

Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience. Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class! Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal).

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. can I use refer a friend for Chase Southwest Premier credit card and receive the 60,000 bonus?


    • Hey Kar,

      You will not earn 60,000 miles for referring your friend. Your friend will receive 60,000 miles after meeting the minimum spending requirement. You will receive 10,000 miles for each friend referred and approved.


  2. Weird question: I already have Chase Freedom but not the Sapphire Preferred. If my sister refers me for Sapphire Preferred, do you suppose it’s likely she would still get the point bonus, even though I’m a pre-existing Chase customer?


    • Hi Heather,

      Yes, if your sister refers you for the Chase Sapphire Preferred card she will still receive the referral bonus since you don’t currently hold the Preferred card. Thanks for reading!


      • Hi, just referred my friend for Southwest Plus and they were approved with a sign up bonus of 40,000 points. If the sign up bonus increases in the near future, would they be able to request to be matched to the higher offer? I am aware people have done this with Chase before, but am not sure if a referred friend asking for a match makes things complicated.


        • Hi John,

          Yes, if the sign-up bonus increases then your friend can submit a request to be matched to the with the increased offer. Just keep in mind it is up to Chase discretion on whether or not they will approve it.

          Thanks for reading!


  3. Hello,
    I received $500 in Disney rewards for referring five people in 2018. Am I allowed to receive another $500 for 5 new referrals in 2019?

    Thank you.



  4. Will the new cardholder get the bonus points along with the signup bonus?


    • Hi Ryan,

      Can you clarify what you mean? The person signing up for the card will receive the welcome offer, but the person who refers them will receive the referral bonus.


  5. I have about four chase credit cards (2 business, 2 regular) and not a single one gives me a referral offer. It’s really frustrating because I would like to earn referrals…have you ever heard of anyone else having this issue?


    • Hi Lauren,

      Unfortunately, not all Chase credit cards offer referral offers. For example, the Chase Sapphire Reserve card almost never offers a referral bonus, while the Chase Sapphire Preferred usually does.


  6. Peter Smith December 6, 2019

    I have a Chase Southwest Rapid Rewards Business Credit Card. It appears that the refer a friend feature works for my card. Can I refer myself from the business credit card to a Chase Personal Credit Card?


  7. Hi Jarrod,

    If I have a Chase Sapphire Reserve, will I get referral points if I refer someone to get the Chase Sapphire Preferred card?


    • Hi Liam,

      Chase referrals only work for the card you hold. So you must have the Chase Sapphire Preferred in order to refer someone to it.


  8. Marlon Rodriguez April 17, 2020

    I referred my step daughter and she was approved. When will I get my bonus reward?


  9. ” . . . you must have an Ink Business Preferred® Credit Card to be able to refer others to it.”

    I don’t think you can refer to Ink Business. I don’t think ANY chase business cards currently offer referrals. Right?


    • Hi Curious,

      Ordinally, you can send personal referrals for the Chase Ink Preferred and the Chase Ink Unlimited. But Chase has put a hold on the referral programs on these cards for the time being.

      Thanks for reading!


  10. There is a current offer where I will receive points and so will my friend (I think it was 15,000 or something like that) if I refer them to Chase Preferred. Will they be able to receive the referral bonus and new sign up bonus?


    • Hi Jay,

      You will receive the referral bonus of 15,000 points, not your friend. But your friend will be able to receive the sign up bonus assuming they meet the minimum spend requirement.

      Thanks for reading!


  11. Can you refer your spouse on chase credit cards?


  12. If I have all 3 Chase ink cards, and each one can refer a friend to any of the ink cards, do I get a max of 100K points in all per calendar year, or can I potentially get 300K (or whatever the total max is with all 3 cards together)? I’d assume it would depend on how many unique referral links I am provided, but I would like to find out for sure.


  13. Michael Hsu May 30, 2021

    The referral offer is worse than the Chase public offer for the United Quest card (80k instead of 100k) 🙁


  14. Victoria Gilbert June 4, 2021

    Is it normal that my referral link is showing a lower amount than the credit card sign-up bonus? Not sure why that’s the case. 80k points with referral sign up vs. 100k points with normal sign up.


    • Hi Victoria,

      Sometimes Chase takes a bit to update their referral offers to the newest offers, other times they do not update them at all. It really just depends!


  15. Yes, it absolutely sucks that Chase doesn’t let us refer the card at the 100K offer. I’ve spent two years trying to convince a friend to sign-up for this card, and now he’s finally going to pull the trigger, but he’s going to take the public offer since the referral won’t generate an equivalent offer! I’ve wasted hours of my time. I wasn’t even going to get anything out of it, I was going to let a friend get the referral credit since I don’t have a Sapphire Preferred. That’s the other thing about Chase that sucks. I have the Reserve card and they don’t ever let me refer friends. It would be nice if they were like AMEX and let me refer someone to Sapphire in general, and then my friend could choose which of the two card offers they want and I get the referral regardless. It also sucks that the Preferred offer is 40,000 points more than the Reserved offer. I just don’t understand that either.


Any thoughts or questions? Comment below!

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