Chase Refer-A-Friend Offer: Earn Bonus Points (Dec. 2023)

Friends share. Whether it’s recipes, gossip, or financial advice, most people often pass on what they’ve learned to their friends.

But the smart friends get rewarded for all that sharing. With Chase’s Refer-A-Friend program, you can earn bonus credit card rewards simply for, you guessed it, referring a friend who signs up — and is approved — for an eligible Chase credit card.

Of course, the keyword here is “eligible.” Only a handful of Chase cards qualify for the Chase Refer-A-Friend program, though the list does include several of the top Chase cards. Keep reading for our rundown of the friendliest Chase cards when it comes to referrals, including the company’s Freedom, Sapphire, Ink Business, and co-branded credit cards.

Freedom | Sapphire | Ink Business | Co-Branded

The Chase Freedom Flex℠ and Chase Freedom Unlimited® are the bank’s main consumer cash back credit card options. The cards are some of the more popular cash back cards among credit card aficionados, and either would be a fitting recommendation for many consumers.

Chase Freedom Unlimited®

at Chase'ssecure website

EXPERT'S RATING

★★★★★

4.9

OVERALL RATING

4.9/5.0

Our Review »

• SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
• Unlimited 1.5% cash back is just the beginning of what you can earn. You'll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% Intro APR on Purchases 15 months	0% Intro APR on Balance Transfers 15 months	20.49% - 29.24% Variable	$0	Good/Excellent

The Chase Freedom Unlimited® has no rotating bonus categories, instead offering a tiered cash back rewards system on travel, dining, and drugstore purchases then a flat-rate of unlimited cash back on all other new purchases.

While both cards are popular for their complementary earnings rates, the fact that they can be used in conjunction to maximize rewards also contributes to their popularity. For example, many cardholders will use the Chase Freedom Flex℠ for bonus category purchases and the Chase Freedom Unlimited® for non-category spending.

Chase Freedom Flex℠

This card is currently not available.

Chase® Rating

★★★★★

N/A

OVERALL RATING

N/A

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	N/A	N/A	N/A

Additional Disclosure: The information related to Chase Freedom Flex℠ credit card has been collected by CardRates.com and has not been reviewed or provided by the issuer of this card.

The Chase Freedom Flex℠ Credit Card is one of the few cards with quarterly rotating cash back rewards categories. Once the category is activated, users can earn bonus cash back on all category purchases, on up to the spend limit in qualifying purchases each quarter.

While categories vary from year to year, most bonus rewards categories include useful purchases like gas, groceries, or online purchases. Each quarter also includes a subcategory that can be worthwhile, such as purchases made with digital wallets.

At the same time, perhaps one of the most appealing features to current Chase cardholders is the fact that the rewards earned with a Chase Freedom Flex℠ or Chase Freedom Unlimited® card can be turned into Ultimate Rewards® points if you also own a card that already earns those points.

Ultimate Rewards® points are highly valued by many cardholders thanks to their flexibility, particularly when it comes to the ability to transfer points to several different hotel and airline loyalty programs.

Hands down two of the most popular travel credit cards on the market, the Chase Sapphire Reserve® and its older sibling, the Chase Sapphire Preferred® Card , both offer the high-value Ultimate Rewards® points on every purchase, making them an ideal referral for most anyone who travels (or wants to do so).

Chase Sapphire Reserve®

at Chase'ssecure website

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

4.7/5.0

Our Review »

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™; Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	22.49%-29.49% Variable	$550	Good/Excellent

While the high annual fee of the Chase Sapphire Reserve® might be intimidating to some, the $300 annual travel credit neatly cuts it down to a manageable size. Add to that the Priority Pass™ Select membership that gives you airport lounge access and the Global Entry or TSA PreCheck® fee credit, and that annual fee disappears quickly.

Even if you don’t like airport lounges or use Global Entry, so long as you use at least the travel credit, the 3X points per $1 spent on dining and travel can easily cover the rest of the fee — and then some — for most cardholders.

As awesome as both cards are, however, only the Chase Sapphire Preferred® Card has a refer-a-friend bonus currently available. For every friend you refer who gets a Sapphire Preferred® credit card, you’ll earn 10,000 Ultimate Rewards® points, up to a total of 50,000 referral bonus points per card per year.

Chase Sapphire Preferred® Card

at Chase'ssecure website

EXPERT'S RATING

★★★★★

4.8

OVERALL RATING

4.9/5.0

Our Review »

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• 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, 2024.
• Member FDIC

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.49%-28.49% Variable	$95	Good/Excellent

For those who aren’t ready to commit to the more expensive Chase Sapphire Reserve® , the Chase Sapphire Preferred® Card comes with less than a quarter of the annual fee, though you’ll only earn 2X Ultimate Rewards® points per $1 on travel and dining.

Additionally, some of the extra benefits of the Chase Sapphire Reserve® , such as the travel credit and Priority Pass membership, aren’t available with the Preferred® card. That being said, the cards do share some extra perks, including primary auto rental collision coverage, trip cancellation/interruption insurance, baggage delay insurance, and purchase protection.

A hot pick for most any business owner, the Ink Business Preferred® Credit Card is a favorite of Ultimate Rewards® points collectors who want to earn points on their business expenses.

The Ink Business Preferred® Credit Card offers the largest referral bonus of any Chase credit card, providing 20,000 Ultimate Rewards® points for each referred friend who opens a card, up to a maximum of 100,000 referral bonus points per year.

Ink Business Preferred® Credit Card

at Chase'ssecure website

EXPERT'S RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0

Our Review »

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®

• See application, terms and details.

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.24%-26.24% Variable	$95	Good/Excellent

Not only does the Ink Business Preferred® Credit Card allow cardholders to earn valuable Ultimate Rewards® points on every purchase, but it also offers bonus rewards in a number of popular business categories, including travel, shipping, internet/cable/phone services, and select digital advertising purchases.

Furthermore, the Ink Business Preferred® Credit Card has a range of useful perks and benefits, including cell phone protection, fee-free employee cards, and trip cancellation/interruption insurance.

More than half of Chase’s credit cards are co-branded with a hotel, airline, or retailer, and a few of those co-branded cards qualify for a Refer-A-Friend bonus.

• Southwest Rapid Rewards® Plus Credit Card
• Southwest Rapid Rewards® Premier Credit Card
• United Explorer Card
• IHG® Rewards Club Credit Card
• Marriott Bonvoy Boundless Card
• World of Hyatt Card
• Disney® Visa® Card

While these specialty cards are less likely to appeal to all of your friends than the more versatile rewards cards above, they may be worthwhile to those who can take advantage of all they offer.

We all love to share with our friends, especially when we find something we think they’ll love. Chase’s Refer-A-Friend program offers a way to share the love with your friends — and get a little something for yourself, too.

And it’s easy to share. You can refer a friend through social media, the Chase mobile app, or by using your personalized referral URL. Just remember that you only get five referral bonuses per card per year, so use those referrals wisely.