How does the Citi Double Cash referral bonus work?

A Citi credit card referral is an incentive program for existing Citi credit cardholders. A cardholder earns bonus points for every direct referral whose application is approved.

Known as the Refer-a-Friend program, it is offered in countries such as India and the Philippines, but is not currently available in the U.S. You can refer someone for a Citi credit card in the U.S., but Citi does not reward cardholders if the referral’s application is ultimately accepted.… read full answer

There are three major banks in the U.S. that have credit card referrals in the U.S. American Express, Chase, and Discover all have programs that follow the same basic format, but each has its own specific rewards terms and conditions and rewards. The common denominator is that bonuses are awarded in some form of cash back rewards.

To avoid credit card fraud, you should know which banks have and do not offer credit card referrals. In addition to Citi, Capital One and Bank of America are among those which do not offer such programs.

That’s because a credit card referral program often involves entering personal information such as your name and credit card number when sending referral messages. Those are done through secured landing pages that are clearly identifiable and are completely safe.

If an unsecured website requests your personal information, ignore the request. Instead, forward your referrals a copy of the link to the referral program’s secure landing page.

The Chase Refer-a-Friend program is a way for Chase cardholders to get bonus rewards points when a friend gets approved for an eligible Chase credit card. To refer friends and get your Chase referral bonus:

1. Go to the Chase Refer-a-Friend page.
2. Fill out your last name, zip code, and the last 4 digits of your Chase credit card number.… read full answer
3. Click “Continue.”

The next page will tell you which credit cards you can get referral bonuses for, and you’ll get a link to give to friends. Once they apply and get approved for a credit card, you will receive your referral bonus.

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 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, up to $500 per year. The same scenario with any of the Chase Sapphire Preferred® Card will net you 15,000 bonus points, up to 75,000 points per year total. You can earn up to 5 referral bonuses per year, regardless of the card.

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 Rapid Rewards referral bonuses are Southwest points, and the Marriott Bonvoy credit cards’ bonuses are Marriott points.