How to refer a Chase credit card
You can refer someone to a Chase credit card through Chase's referral program, which is available for select cards. The process is straightforward: log into your Chase account online or through the mobile app, find the referral option (usually labeled "Refer a Friend" or similar), and share a unique referral link with the person you want to refer. When they open a new account using your link and meet the card's requirements, you both may receive a bonus.
Not every Chase card has an active referral program, and the bonus amounts vary by card and change over time. The person you refer must be new to that specific card and meet Chase's standard approval requirements. Chase does not limit how many people you can refer, but the bonuses are typically one-time offers per person.
Key Takeaways
- You access Chase referrals through your online account or the Chase mobile app by selecting the referral option on your card's details page.
- Your referral link is unique to you, and the person you refer must use it to open a new account for both of you to receive any bonus.
- Not all Chase cards offer referral bonuses, and the bonus amounts differ by card and change periodically.
- The person you refer must meet standard Chase approval requirements and cannot have held that specific card before.
- You can refer multiple people, but each person can only receive the referral bonus once per card.
Finding the referral option in your Chase account
Log into your Chase account at chase.com or open the Chase mobile app. Navigate to the card you want to refer. On the card's details page, look for a link or button labeled "Refer a Friend," "Share and Earn," or "Refer This Card." The exact label varies by card and may be in a menu or directly on the card summary.
If you do not see a referral option, that card does not currently have an active referral program. You can check other Chase cards you hold to see if they offer referrals. Some cards rotate referral programs on and off, so a card without a referral option today may have one later.
Sharing your referral link
Once you find the referral option, Chase will generate a unique link or code for you. You can copy this link and send it directly to the person you want to refer via email, text, or any other method. Some cards also let you share through social media or generate a QR code.
The person you refer must use your link to start their process. If they search for the card on their own or use a different link, the referral will not be connected to you, and neither of you will receive the bonus. Make sure they understand they need to use your specific link to open the account.
What happens after someone uses your referral link
When the person you referred completes their process through your link, Chase reviews their information just as it would for any new applicant. They must meet Chase's standard approval requirements for that card. If they are approved and meet any spending or timing requirements stated in the referral offer, both you and the referred person will receive your bonuses.
Bonuses typically post within a few weeks to a few months after the referred person meets the requirements. Check your account periodically to confirm the bonus has appeared. If it has not arrived within the timeframe Chase stated, contact Chase customer service to ask about the status.
Referral bonus amounts and what they cover
Chase referral bonuses are usually statement credits or bonus points, depending on the card. The amount you receive may differ from what the referred person receives. For example, you might get 50 dollars in statement credit while they get a sign-up bonus worth more or less.
Bonus amounts change frequently and vary by card. Before you refer someone, check the current offer on your card's referral page so you know what to expect. Chase does not pay referral bonuses in cash; they appear as credits or points in your account.
Restrictions and limits on referrals
The person you refer must not have held the specific card you are referring before. If they previously had that card and closed it, they cannot receive a referral bonus for it. They also must be approved for the card and meet any additional requirements Chase lists, such as making a purchase within a certain timeframe.
Chase may limit referral bonuses to customers in certain states or with certain account statuses. Some business cards have different referral rules than personal cards. If you are unsure whether someone is may be able to access, ask them to start the process using your link; Chase will let them know during the process if they cannot receive the bonus.
What to do if the referral link does not work
If the person you referred says the link is broken or they cannot complete the process, ask them to clear their browser cache and cookies, then try again. If they are using a mobile device, they can try opening the link in a different browser or on a computer instead.
If the link still does not work, contact Chase customer service and provide them with your referral link and the person's information. Chase can sometimes manually connect a referral if the link failed for technical reasons, though this is not may provide. Keep a record of when you sent the link and any error messages the person received.
Frequently Asked Questions
Can I refer someone who already has a Chase account?
Yes. They need a Chase account to open a new card, but they cannot have held the specific card you are referring before. If they have never had that particular card, they can use your referral link to open it.
What if the person I refer is denied for the card?
If they are denied, neither of you receives a referral bonus. The denial does not affect your account or your ability to refer other people. They can contact Chase to ask why they were denied and may be able to reapply later.
Can I refer myself or use my own link?
No. Chase's referral program requires the referred person to be different from the person making the referral. Using your own link will not generate a bonus.
How many people can I refer?
Chase does not set a public limit on the number of people you can refer. However, if Chase suspects you are referring people for the sole purpose of collecting bonuses without genuine card use, they may stop crediting referral bonuses to your account.
Do I need to tell Chase who I am referring?
No. You only share your referral link with the person. Chase tracks the referral through the link itself, so you do not need to provide their name or contact information to Chase beforehand.