Do you have friends or family who are looking for a new bank account or a credit card? What if I told you that by simply sharing your positive experience with Chase Bank, you could earn fantastic rewards while also helping your loved ones get great benefits? That's right! Chase offers a robust "Refer-A-Friend" program that allows existing customers to earn bonus points, cash back, or miles when they successfully refer new customers. It's a win-win scenario, and I'm here to walk you through exactly how to do it, step-by-step.
The Power of Sharing: Why Refer a Friend to Chase?
Chase Bank is a financial powerhouse, offering a wide range of products from checking and savings accounts to a diverse portfolio of credit cards, including popular options like the Chase Sapphire Preferred, Chase Freedom Flex, and various co-branded cards (Marriott Bonvoy, United, Southwest, etc.). Their Refer-A-Friend program is designed to leverage word-of-mouth marketing, and they reward you handsomely for it.
Imagine earning hundreds of dollars in cash back or tens of thousands of bonus points just by telling someone about a product you already love and use. These rewards can go towards your next vacation, statement credits, gift cards, or even just boosting your savings. It's a smart way to maximize your relationship with Chase!
Let's dive into the practical steps to start referring and earning.
 |
| How To Refer A Friend To Chase Bank |
Step 1: Discover Your Referral Eligibility and Benefits
Before you even think about sending out a link, the very first thing you need to do is determine which of your Chase accounts are eligible for referrals and what rewards you stand to gain. Different Chase products offer different referral bonuses and have varying annual caps.
Understanding Your Eligible Accounts:
This is crucial! Not every single Chase product will have a referral program active at all times, and the rewards can vary significantly.
Credit Cards: Many popular Chase credit cards participate in the Refer-A-Friend program. These often include:
Chase Freedom Flex
Chase Freedom Unlimited
Chase Sapphire Preferred
Chase Sapphire Reserve
Ink Business Preferred Credit Card
Marriott Bonvoy Boundless Credit Card
The World of Hyatt Credit Card
United MileagePlus Credit Cards
Southwest Rapid Rewards Credit Cards
Disney® Visa® Card
IHG One Rewards Credit Cards
Checking Accounts: Chase also has a referral program for certain checking accounts, such as Chase Total Checking®.
How to Check Your Eligibility and Current Offers:
Sub-heading: Option A: Through the Chase Refer-A-Friend Landing Page (Recommended for ease)
Open your web browser and navigate to the official Chase Refer-A-Friend page. You can usually find this by searching "Chase Refer-A-Friend" or directly going to
chase.com/referafriend.On this page, you'll typically be asked to enter some basic information to identify your accounts:
Your Last Name
Your 5-digit ZIP Code
The Last 4 digits of an eligible Chase credit card or your account number.
Once you enter this information, Chase will show you exactly which of your cards or accounts are eligible for referrals and the specific bonus you'll receive for each successful referral. It will also display the annual cap on the rewards you can earn. For example, you might see "Earn 10,000 bonus points for each friend who gets the Chase Sapphire Preferred card (up to 75,000 points per year)."
Sub-heading: Option B: Through the Chase Mobile App
Open the Chase Mobile App on your smartphone or tablet and log in to your account.
Navigate to the specific credit card or checking account you are considering for referral. You might need to scroll down a bit on the account details page.
Look for a section or button labeled something like "Refer Friends" or "Refer Friends. Earn Rewards."
Tapping on this will lead you to a page displaying the eligible referral offers tied to that specific account.
Sub-heading: Option C: Through the Chase Online Banking Website (Desktop)
QuickTip: Reading regularly builds stronger recall.
Log in to your Chase online banking account at
chase.com.Once logged in, look for a "Refer friends. Earn rewards." link, often located at the bottom right-hand side of the page, or sometimes under your account details.
Clicking this will take you to your personalized referral dashboard, where you can see all your eligible offers.
Make sure to note the specific rewards, the number of referrals you can make annually for that particular product, and any specific terms for the referred friend to qualify. This will help you articulate the benefits clearly to your friends.
Step 2: Generate Your Unique Referral Link
Once you've identified which accounts are eligible and the rewards you can earn, the next step is to generate your personalized referral link. This link is critical because it's how Chase tracks that your friend applied through your recommendation. If your friend applies without using your unique link, you won't receive the bonus!
The Process of Link Generation:
From the Chase Refer-A-Friend Page or Online Banking:
After checking your eligibility (as described in Step 1), you'll be presented with a list of your eligible cards/accounts.
Next to each eligible offer, you'll see a button like "Copy link" or "Share."
Click the "Copy link" button. This action automatically copies the unique URL to your device's clipboard. It's a simple click, but it's the most important one!
From the Chase Mobile App:
Once you're on the "Refer Friends" section for a specific card within the app (as described in Step 1, Option B), you'll similarly find an option to "Copy link" or "Share."
Tap on this to copy the referral link.
Pro Tip: Always copy the link directly from Chase's platform. Do not try to manually type it or guess it, as even a small typo can invalidate the referral.
Step 3: Share Your Referral Link Strategically
Now that you have your unique referral link, it's time to share it with your friends and family! However, it's not just about blasting it out. A strategic and personalized approach will yield the best results.
Effective Ways to Share:
Sub-heading: Personalized Direct Messages (Most Effective)
Text Message (SMS): This is often the most direct and personal way. After copying the link, simply paste it into a text message to your friend.
Example: "Hey [Friend's Name]! I know you were looking for a new credit card. I really love my [Your Chase Card Name, e.g., Chase Sapphire Preferred] for its travel rewards. If you're interested, you can check it out here and get a bonus: [Your Referral Link]. Let me know if you have any questions!"
Email: If you prefer a more formal approach or your friend isn't big on texting, email is a great option.
Subject: A Great Card/Account Opportunity at Chase + a Bonus for You!
Body: "Hi [Friend's Name], I was thinking of you because you mentioned [your financial goal, e.g., wanting more cash back, better travel rewards, or a new checking account]. I've been really happy with my [Your Chase Card/Account Name], especially with [mention a specific benefit, e.g., the 5% cash back on rotating categories / the great sign-up bonus / the easy mobile banking]. Chase has a referral program where both of us can earn a bonus if you open an account through my link. If you're interested, here's my personalized link: [Your Referral Link]. Happy to chat more about it if you have questions!"
Messaging Apps (WhatsApp, Telegram, etc.): Similar to text messages, these apps allow for quick and easy sharing.
Sub-heading: Social Media (Wider Reach, but less personal)
Facebook/X (Twitter)/Instagram: You can post your referral link on your social media profiles. When doing so, always add a brief, genuine testimonial about why you like your Chase card or account.
Example: "Loving my Chase Freedom Flex! The rotating 5% cash back categories are awesome for everyday spending. If you're looking for a new card, check out this offer – we both get a bonus if you apply through my link! [Your Referral Link] #ChaseReferral #CreditCardRewards"
Consider Relevant Groups: If you're part of financial or travel-related online communities (where allowed by group rules), you might share your link along with a detailed review. Always respect group guidelines and avoid spamming.
Sub-heading: Chase's Internal Email System (Less Recommended for speed)
On the Chase Refer-A-Friend page, you might see an option to "Email Friends" through Chase's system.
While convenient, Chase states that sending emails this way can take up to one week to be delivered. For quicker results, copying and pasting the link yourself is generally better.
Tip: Read in a quiet space for focus.
Important Considerations When Sharing:
Transparency: Always be clear that you will receive a bonus if they apply and are approved through your link. Honesty builds trust.
Targeted Sharing: Think about which friends or family members would genuinely benefit from the specific Chase product you're referring. A travel enthusiast might appreciate a Sapphire referral, while someone focused on daily spending might prefer a Freedom card.
No Spamming: Do not indiscriminately send your link to everyone in your contact list. This can be annoying and counterproductive. Focus on people who have expressed interest in banking or credit products.
Confidentiality: Due to privacy reasons, Chase will not tell you if your friend applied or was approved. You'll only know if you receive the bonus, or if your friend explicitly tells you.
Step 4: Your Friend Applies and Gets Approved
This is where the magic happens! For you to earn your referral bonus, your friend must complete two crucial steps:
Use Your Unique Referral Link: Your friend must click on the exact link you provided and complete their application through that link. If they navigate to Chase's website on their own, or use a different offer, your referral will not be tracked.
Get Approved for the Account/Card: The referred friend needs to be approved for the Chase credit card or successfully open and meet the requirements for the checking account.
What Your Friend Needs to Know:
New Customer Requirement: Generally, the referred friend must be a new customer to that specific Chase product (or sometimes, a new Chase customer entirely, especially for checking accounts). They usually cannot have had the same account type closed recently.
Meeting Offer Requirements (for the friend): Just like you get a referral bonus, your friend will likely receive a generous sign-up bonus or welcome offer when they open the account through your link. They will typically need to meet certain spending requirements (for credit cards) or direct deposit/transaction requirements (for checking accounts) within a specified timeframe to earn their bonus. Make sure they are aware of these requirements!
Creditworthiness: For credit cards, your friend will need to meet Chase's creditworthiness criteria for approval.
Step 5: Receive Your Referral Bonus
Congratulations! Once your friend has successfully applied and been approved (and in some cases, met initial spending or deposit requirements), Chase will process your referral bonus.
When to Expect Your Bonus:
Processing Time: Chase typically states that referral bonuses can take anywhere from 2 billing cycles (for credit cards) or around 30-60 days (for checking accounts) to appear in your account. This means it could be up to 8 weeks after your friend's approval.
How it Appears: The bonus will usually appear on your statement or in your rewards balance as a "Refer-A-Friend" bonus.
Bonus Caps: Remember the annual caps we discussed in Step 1. Once you hit that maximum for a particular card or account type within a calendar year, you won't earn further referral bonuses from that specific product until the next year, even if more friends apply through your link. However, if you have other eligible Chase cards, you can continue referring friends with those and earn separate bonuses up to their individual caps.
Step 6: Enjoy Your Rewards!
This is the best part! Once the bonus hits your account, you can redeem it according to the terms of your specific Chase product.
For Credit Card Points:
Ultimate Rewards points (Chase Sapphire, Freedom cards) can be redeemed for travel through the Chase Travel portal, transferred to airline/hotel partners, redeemed for cash back, gift cards, or used for "Pay with Points."
Co-branded points/miles (Marriott Bonvoy, United, Southwest, Hyatt, IHG) will be deposited directly into those respective loyalty program accounts.
Cash back (Chase Freedom cards) will appear as a statement credit or can be deposited into your Chase checking or savings account.
Disney Rewards Dollars will be added to your Disney Rewards account.
For Checking Account Bonuses: Cash bonuses are typically deposited directly into your primary Chase checking account.
Keep track of your referral bonuses and how they contribute to your overall financial goals!
Tip: Read aloud to improve understanding.
Important Terms & Conditions to Keep in Mind:
Account in Good Standing: Your Chase account must be open and in good standing (e.g., not delinquent on payments) to be eligible to earn and receive referral bonuses.
Tax Implications: Referral bonuses may be considered taxable income by the IRS. If you earn a certain amount (typically over $600 in a calendar year), Chase may issue you a 1099-MISC or 1042-S form for tax reporting purposes. It's always wise to consult with a tax professional regarding your specific situation.
No Updates on Friend's Application: For privacy reasons, Chase will not inform you about the status of your friend's application (approved, denied, etc.).
Program Changes: Chase reserves the right to modify or terminate the Refer-A-Friend program, including bonus amounts and terms, at any time. Always refer to the current terms and conditions on the Chase website.
Frequently Asked Questions (FAQs)
How to check my Chase referral bonus status?
You won't get real-time updates on your friend's application status due to privacy. Your bonus will typically appear in your Chase account (credit card rewards summary or checking account statement) within 2 billing cycles or 30-60 days after your friend's approval and successful completion of any required activities.
How to find my Chase referral link?
Log in to your Chase online banking account or mobile app. Navigate to the specific credit card or checking account you wish to refer. Look for a section or link labeled "Refer Friends" or "Refer friends. Earn rewards." On this page, you'll be able to copy your unique referral link.
How to refer a friend to Chase Total Checking?
Go to chase.com/referafriend and enter your last name, ZIP code, and a part of your account number to find your checking account referral link. Share this link with your friend. Your friend must use your link to open a qualifying Chase Total Checking account and meet their offer requirements (e.g., direct deposit) for you to receive your bonus.
How to refer a friend for a Chase credit card?
Visit chase.com/referafriend or use the Chase mobile app. Enter your details to see which of your credit cards are eligible for referral. Copy the unique link for the desired credit card and share it with your friend. Ensure your friend applies and is approved using that specific link.
Tip: Bookmark this post to revisit later.
How to ensure I get the Chase referral bonus?
To ensure you receive the bonus, your friend must apply directly through the unique referral link you provide. If they navigate to Chase's website independently or use a different offer, your referral will not be tracked, and you will not receive the bonus.
How to know if my Chase card is eligible for referral?
The easiest way is to visit chase.com/referafriend and enter your last name, ZIP code, and the last four digits of your card number. Chase will then display all your eligible cards and their associated referral offers. You can also check within the Chase mobile app under your specific card details.
How to get a bonus for referring someone to Chase Private Client?
While standard "Refer-A-Friend" programs are common for general checking and credit card products, referrals for Chase Private Client often involve more direct communication with a Private Client Advisor. It's best to inquire directly with your Chase Private Client representative about any specific referral programs or incentives for their services.
How to check the annual limit for Chase referrals?
When you access your personalized referral dashboard on chase.com/referafriend or through the mobile app, Chase clearly displays the maximum amount of points, cash back, or miles you can earn from referrals for each specific product within a calendar year.
How to explain the Chase referral process to a friend?
Explain that both of you can benefit. Tell them which specific Chase product you're referring them to and why you like it. Emphasize that they must use your special link to apply. Briefly mention that they will also receive a welcome bonus if they meet certain criteria. Keep it simple and focused on the mutual benefit.
How to troubleshoot if I didn't receive my Chase referral bonus?
First, ensure that your friend definitely used your unique referral link and was approved. Remind them of any specific conditions they needed to meet for their own welcome bonus. If the waiting period (up to 8 weeks) has passed, and you still haven't received your bonus, contact Chase customer service. Be prepared to provide them with the details of the referral (though they may not be able to confirm specific friend information due to privacy).
 |
💡 This page may contain affiliate links — we may earn a small commission at no extra cost to you.
