How does the Chase Refer-a-Friend program work?

The Chase Refer-a-Friend program rewards Chase cardholders with bonus cash back, points or miles when a friend applies for a Chase card with their personalized link and gets approved. For example, when a friend uses your referral link to sign up for Chase Freedom Unlimited®, you receive $100 cash back when their application is approved.This can happen five times per year, earning you up to $500.

How to Get Your Chase Referral Bonus

1. Go to the Chase Refer-a-Friend page.
2. Fill in your last name, your ZIP code, and the last 4 digits of your Chase credit card number.
3. Click “Continue.”
4. See the credit cards you can get referral bonuses for.
5. Follow the instructions to generate a personalized link to give to friends.
6. Have a friend apply for a card using your link.
7. Receive your referral bonus if your friend gets approved. 

What Determines Your Chase Credit Card Refer-a-Friend Bonus?

The Chase cards you have will determine which cards you can earn a referral bonus on. The amount and currency of the bonus you earn will depend on which of those credit cards your friend signs up for.

For instance, when a friend uses your referral link to sign up for Chase Sapphire Preferred® Card, you receive 15,000 bonus points per approved referral, up to a total of 75,000 points per year. 

It’s worth noting that certain Chase co-branded cards give referral bonuses, too. But co-branded Chase cards will give the bonus in the card’s rewards currency, rather than Chase Ultimate Rewards points. For example, Southwest credit card referral bonuses give you Southwest points, and the Marriott Bonvoy credit cards give Marriott points.