Chase’s Refer-A-Friend: How It Works for Both Parties

Sending out, or accepting, a referral for a new Chase card is a straightforward process, but both parties should do their due diligence before taking action.
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Written by Jae Bratton
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Love throwing down your credit card at dinner and regaling your friends with all the details of its perks?

Many credit card issuers have their own version of a referral program that allows current cardholders to recommend, or refer, a credit card to someone else. If the other person is approved for the recommended card, both parties stand to benefit, usually in the form of credit card points or cash.

Chase’s program — aptly named Refer-A-Friend — encompasses cash-back, travel, airline, hotel and business credit cards. Referring friends to one of Chase’s cards can be a pretty easy way to rack up thousands of extra rewards points without spending a dime. However, Chase imposes limits on the number of points or cash you can earn from referrals in a year, and a referral isn’t always the right move for all involved.

Here’s how Chase’s Refer-A-Friend program works.

How to Refer-A-Friend with Chase

The process of referring a friend to a Chase credit card is straightforward: You can send out the referral from Chase’s website or in the app.

To navigate from the website:

  1. Go to https://creditcards.chase.com/refer-a-friend. 

  2. Select the “Refer friends now” button for the card that you’d like to recommend.

  3. When prompted, enter your last name, zip code, and the last four digits of your own credit card. 

  4. Copy the unique URL, and send it to your friend by email, text or social media. 

To navigate from the app:

  1. Log in and select the account for the card that you want to refer. 

  2. Select “Refer a friend.”

  3. Copy the unique URL, and send it to your friend by email, text or social media.

What to consider when you're referring

As with many things in life, just because you can — doesn't mean you should. When each successful referral results in a windfall of credit card points, it can be tempting to hand out referral links like candy on Halloween, but there are a few considerations to keep in mind.

Is the card a good fit for your friend?

Consider whether the card fits the other person’s lifestyle. For example, if your friend isn’t a frequent traveler, a Southwest card may not make sense. Suggesting a flashy new rewards card may be the wrong move when it comes to friends who are struggling with credit card debt, too.

There are limits

The maximum amount you can earn in referrals is limited per card you hold: The more Chase cards in your wallet, the more potential referral bonuses you can earn. These limits reset each calendar year. Here's what's offered as of June 2023.

A bonus isn't a sure thing

It sounds simple enough, but you won’t get the referral bonus if your friend doesn’t apply for the card using your link. Even if you've taken the time to patiently explain all the ins and outs of the card's rewards, if your friend forgets and applies on the Chase website instead of your link, you won't get the credit. You also won't earn a referral bonus if your friend's application isn't approved, or if you've reached the referral limits already.

You may have to pay taxes

In most cases, the rewards you earn from your credit card aren't taxable — they're viewed as rebates on spending, not as income. But rewards earned from referral bonuses are treated differently. The credit card issuer may issue a 1099 for the cash value of any rewards you earned for referrals.

How to apply with a Refer-A-Friend link

The process to apply for a card using a referral link is simple. But before you do, quickly compare credit card offers to make sure you’re actually getting the best deal. The value of sign-up bonuses can vary, so check Chase’s website and others like NerdWallet to see how the referral offer stacks up.

Then, if you decide to apply for the card using the referral, you’ll just need to visit the link that your friend sent you. If you’re approved, you may receive a response within minutes of submission. However, it can take up to a couple of weeks to get the physical card in the mail.

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