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Complete Guide Chase Refer a Friend Guide –
Chase has an extremely attractive program for referrals aptly named Chase Refer a Friend. Since we’re all friends here, I thought I’d lay down some buddy talk and explain how the program works. The Chase Refer a Friend program is incredibly lucrative, offering the potential to earn up to 100k referral points per card ( Ink cards ), per year just for referring others to the card you keep. It’s a program I do my best to max out every single year, so I can keep flying in great cabins and staying a wonderful hotels.
Chase has some of the most valuable points in the credit card world – go here to see our best uses
Cards we currently have refer a friend links to:
- Chase Sapphire Preferred®
- Chase Sapphire Reserve®
- Chase Ink Business Preferred®
- Chase Ink Business Cash®
- Chase Ink Business Unlimited®
- Chase Freedom Flex(®)
- Chase Freedom Unlimited®
- Chase IHG One Rewards Traveler
- Chase IHG One Rewards Premier
- Chase IHG One Rewards Premier Business
- Chase World of Hyatt Business
Table of Contents
The Various Methods of populating referrals
In total, there are 3 ways to generate links from a catch all to individual card microsites we go through them in detail below. We walk through referrals in the video below and explain how you can use my site, and others, to help generate bonus points for your travel pursuits.
The General Chase Refer a Friend Landing page ( Go here )
This is a new addition and is a pretty awesome to get all of your chase refer a friend links in a single spot after you’ve logged in. There is a drop down menu that lists all of your cards ( although it shows canceled cards too ) and then an easy copy and paste feature for the refer a friend link associated with that card. Note that this link doesn’t tell you what the refer a friend offer is, but rather just a simplified way of populating a link.
2) The Chase Refer a Friend ( Catch All )
This is a great function that Chase has put it place, and it works for most cards. However, it doesn’t work for all cards. Go here first, and if for some reason your card isn’t populating a link…try the next function.
The easiest way to refer: shoot your friend a link, or post it online
Once you enter in the Information it will populate a referral link…like this one for my Chase Sapphire Preferred – it would earn me 15k bonus points and populate a referral offer for you. You can leave this link in the comments section here, or shoot it to your friend, post it on twitter, facebook, etc. Even throw it in you instagram profile link.
The longer way is to send someone an email.
This used to be the only way links would work, and takes a while for your friend to receive it.
3) Another source of Chase Refer A Friend links: Go here
Chase has another site that you can create referrals from and it lists “most” cards that are eligible. Notice that 9 cards are listed; however, many cards still have referrals available, but they’re only populating through the cards microsite. This is great if, for some reason, your card doesn’t populate a referral on the catch all up above, you can go here and locate your card. It’s also a good source to see if new cards are populating referrals.
However…it doesn’t actually list all of the cards with referral offers.
4) Chase Family Referrals
Another way to earn referrals is via Chase Family referrals. This concept is that each grouping of cards within a family can refer to other cards within that family.
- Chase Sapphire Preferred®/Chase Sapphire Reserve®
- Chase Freedom ( Flex, Unlimited, Rise, Slate Edge )
- Chase Ink ( Premier, Preferred, Unlimited, Cash )
- IHG ( Premier, Traveler, Premier Business )
- Southwest ( Plus, Premier, Priority, Premier Business, Performance Business
- Marriott Cards ( Bold, Bevy, Boundless )
- You can refer from a Ritz card but to a Ritz card
- Hyatt ( Business )
- United ( Explorer, Gateway, Club, Quest, Business, Club Business )
5) Individual Chase refer a friend microsites
If you have one of these cards, you can utilize the Chase microsite to populate a referral. There are a couple of ways to do this:
- www.chase.com/referafriend/( card name )
- www.chase.com/referabusiness/(card name )
You may need to play around with the card names to get them to work…some include Chase, some do not.
Cards we currently have refer a friend links to:
- Chase Sapphire Preferred®
- Chase Sapphire Reserve®
- Chase Ink Business Preferred®
- Chase Ink Business Cash®
- Chase Ink Business Unlimited®
- Chase Freedom Flex(®)
- Chase Freedom Unlimited®
- Chase IHG One Rewards Traveler
- Chase IHG One Rewards Premier
- Chase IHG One Rewards Premier Business
- Chase World of Hyatt Business
*Chase Sapphire Preferred®*
-
- 60k Referral link after $4k spend in 3 months
- How to populate your own Chase Refer A Friend link
- You get 10k per referral, up to 75k max per year
- Offer is 60k after $4k spend in 3 months
- 5x Chase Travel
- 3x Dining
- 3x Groceries ( excludes Target, WalMart, and wholesaleclubs )
- 3x Select Streaming
- 2x on all travel
Chase Sapphire Reserve®
- 60k Referral link
- How to populate your own Chase Refer A Friend link
- You get 10k per referral, up to 75k max per year
- Offer is 60k after $4k spend in 3 months
-
- Worth $1125 in Chase Travel℠ and way more if you maximize transfer partners
- 1.5c valuation when redeemd in Chase Travel℠
- $550 Annual Fee
- $300 Annual Travel Credit
- Each anniversary Year
- 3x Dining
- 3x Travel
- hotels, car rentals, flights
- Note this begins after the $300 travel credit has been triggered
- Chase Travel℠ earn rates:
- Travel:
- 10x on Hotels and Car Rentals
- 5x on Flights total points on flights when you purchase travel through Chase Ultimate Rewards
- Note this begins after the $300 travel credit has been triggered
- Dining
- 10x on Dining Purchases made via Ultimate Rewards portal
- Travel:
- Chase Sapphire lounge access once they are open
- Priority Pass membership with dining access for 2 guests
- $100 application fee credit every four years for
- Global Entry,
- NEXUS,
- or TSA PreCheck(R)
- Instacart+ for one year.
- Instacart+ members earn up to $15 in statement credits each month through July 2024.
- DashPass for 12 months
- activate by December 31, 2024.
- included for DoorDash and Caviar
- 10x on Lyft Rides
- Through March 2025
- No Fx fees
- Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
-
Chase Freedom Flex®
-
- Chase Freedom Flex Referral Offer is $200/20k UR after $500 spend in 3 months
- How to populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Amazing new bonus categories – HIGHLY RECOMMEND THIS CARD
Chase Freedom Unlimited®
-
- Chase Freedom Unlimited Referral Offer is $200/20k UR after $500 spend in 3 months
- How populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Amazing new bonus categories
Chase Ink Business Preferred®
-
- Referral: Chase Ink Business Preferred 100k after $8k spend in 3 months
- How to Populate your own Chase Refer A Friend link
- 40k Ultimate Rewards per referal: 200k max per year
Chase Ink Business Unlimited®
-
- Referral Offer is $750 or 75k Ultimate Rewards after $6000 spend in 3 months
- How to populate your own Chase Refer A Friend link
- You get $400 or 40k points per referral up to $2000 or 200k
Chase Ink Business Cash®
-
- Chase Ink Business Cash Referral is $750 ( $350 after $3k in 3 months and $400 after $6k in 6 months )
- How to populate your own Chase Refer A Friend link
- You get $400 or 40k points per referral up to $2000 or 200k
https://www.referyourchasecard.com/205y/Q9KA25RTCQ
Chase World of Hyatt Business
-
- Our Referral Link: Chase World of Hyatt Business
- How to populate your own Chase Refer A Friend link
- You will get 5k Hyatt points for each referral: max of 25k per year
Chase World of Hyatt
-
- Our Referral Link: Chase World of Hyatt
- How to populate your own Chase Refer A Friend link
- You will get 5k Hyatt points for each referral: max of 25k per year
- Offer is tiered – get 30k after $3k spend in 3 months, then 2x on all purchases up to $15k
Chase Southwest ( any card )
-
- Reader Referral
- How to populate your own
- You get – 20k Southwest points for each referral, max of 100k per year
- Offer depends on which card your refer to
Chase IHG One Rewards Premier
-
- Referral Offer: 4 Free nights, up to 40k per night, after $3k spend in 3 months
- How to populate your own Chase Refer A Friend link
- You get: 10k IHG points per referral, max of 50k per year
Chase IHG One Rewards Traveler
-
- Our Referral: 80k IHG One Rewards after $2k in 3 months
- How to populate your own Chase Refer A Friend link
- You get: 10k IHG points per referral, max of 50k per year
Chase IHG One Rewards Premier Business
-
- Our Referral: 140k IHG One Rewards after $3k in 3 months
- How to populate your own Chase Refer A Friend link
- You get: 10k IHG points per referral, max of 50k per year
Chase Marriott Credit Cards
-
- How to populate your own
- You get: 40k Marriott points per referral, 200k max per year
- Offer varies – current as of 2/4/2024 – find these offers here
Chase United Cards
-
- How to populate your own Chase Refer A Friend link:
- You get: 10k United miles per referral, 50k max per year
- Offers range
Chase Disney
-
- How to populate your own Chase Refer A Friend link
- You get 100 Disney Dollars per referral – 500 max per year
A table with our Chase Refer a Friend Links
| Chase Sapphire Preferred | 100k after $4k spend 5x Chase Travel 3x dining + select streaming 3x groceries |
|---|---|---|
| Chase Ink Business Preferred | 100k after $15k spend 3x Travel/Internet/Cable Free Cell phone insurance $95 Annual Fee |
| Chase Freedom Flex | $200 after $500 spend 5x rotating categories No Annual Fee |
| Chase Ink Business Unlimited | Earn $750 after $7500 spend in 3 months. Earn 1.5x on every purchase |
 | Chase Freedom Unlimited | Earn $200 after $500 spend in 3 months |
Things to keep in mind
Chase has started to send out 1099s for referral points. This means that if you are sent a 1099 you should contact a tax professional because you may be responsible for paying taxes on the points you received because of a referral. Last time I checked Chase was putting a 1 cent
How to track your Chase Refer a Friend Bonuses
We wrote an entire post on this, but the easiest way is to log int your Ultimate Rewards account and click on “Rewards Activity.” You’ll see a pie chart and listed is your Chase Refer a Friend section
While we’d love it if you use our links, feel free to leave yours as well to share the love. Our Goal is to get your traveling like this:
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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