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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 bonus points per card, 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
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.
1) 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.
2) 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.
3) Individual Chase refer a friend microsites: The Best Way
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.
*Chase Sapphire Preferred*
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- 60k Referral link
- How to populate your own Chase Refer A Friend link
- You get 15k 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 Freedom Flex
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- Our Referral: Chase FreedomFlex
- How to populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Offer is $200/20k UR after $500 spend + 5x Gas for 12 months up to $6k
- Amazing new bonus categories – HIGHLY RECOMMEND THIS CARD
Chase Freedom Unlimited
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- Our Referral: Chase Freedom
- How populate your own Chase Refer A Friend link
- You get $100/10k UR per referral – $500/50k UR max per year
- Offer is $200/20k UR after $500 spend + 5x Gas for 12 months up to $6k
- Amazing new bonus categories
Chase Ink Business Preferred
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- Our Referral Link : Chase Ink Business Preferred
- How to Populate your own Chase Refer A Friend link
- 40k Ultimate Rewards per referal: 200k max per year
- Offer is 100k after $15k spend in 3 months
Chase Ink Business Unlimited
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- Our Referral Link: The Chase Refer a Friend
- How to populate your own Chase Refer A Friend link
- You get $400 or 40k points per referral up to $2000 or 200k
- Offer is $900 or 90k Ultimate Rewards after $6000 spend in 3 months
Chase Ink Business Cash
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- This refers to the Ink Business Unlimited currently – see above and enter your Ink Cash details
- Our Referral Link: Chase Ink Business Unlimited
- How to populate your own Chase Refer A Friend link
- You get $400 or 40k points per referral up to $2000 or 200k
- Offer is $900 or 90k Ultimate Rewards after $6000 spend in 3 months
Chase Ink Business Plus
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- This refers to the Ink Business Preferred currently
- Our Referral Link : Chase Ink Business Preferred
- How to Populate your own Chase Refer A Friend link
- 20k Ultimate Rewards per referal: 100k max per year
- Offer is 100k after $15k spend in 3 months
Chase World of Hyatt
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- 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 )
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- 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 Premier
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- Our referral link: Chase IHG Premier
- How to populate your own Chase Refer A Friend link
- You get: 10k IHG points per referral, max of 50k per year
- Offer is 125k IHG points after $3k spend in 3 months
Chase IHG Rewards Select
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- Refers to IHG Premier
- Our referral link: Chase IHG Premier
- How to populate your own Chase Refer A Friend link
- You get: 10k IHG points per referral, max of 50k per year
- Offer is 150k IHG points after $3k spend in 3 months
Chase Marriott Credit Cards
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- How to populate your own
- You get: 40k Marriott points per referral, 200k max per year
- Offer varies
Chase United Cards
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- 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
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- 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:
The Chase Sapphire Preferred is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based.
Welcome Offer
60k Points after $4k spend in 3 months
80k offer in branch currently – I think this should be online soon
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
Super solid welcome offer.
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.
- 3x on dining
- including eligible delivery services for takeout
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- 5x on all travel purchased through Chase Ultimate Rewards – Chase Travel Portal
- $50 Annual Credit on hotel stays purchased via Ultimate Rewards/Chase Travel
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 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 Portal and the slew of other benefits remain in tact including primary rental car insurance, purchase protections, etc.
- Points are transferrable to 13 Ultimate Rewards partners
- Redeem in the Chase Travel center for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Primary rental car coverage is my favorite
There is currently an 80k offer after $4k spend in 3 months available in branch, and up to 90k after $6k spend in 6 months. I suspect some version of this will be online soon if you don’t want the hassle of going into a branch.
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 60k is a very, very good offer. 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.
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