Chase Refer-A-Friend: Bonuses, Annual Limits, and How It Works

Chase's Refer-A-Friend program pays 15,000 points for a Sapphire referral, 20,000 for Southwest, 10,000 for United and 40,000 for Marriott Bonvoy or a Chase business card. Sapphire, Southwest and United referrals cap at 100,000 points a year, and Marriott and Chase for Business referrals cap at 200,000.

Every amount below comes from Chase's own referral page, read October 17, 2026. Chase changes these often, so open the page from your own login before you pitch a friend.

Chase Refer-A-Friend Bonuses by Card

Here are the amounts and annual limits Chase lists:

• Sapphire (Preferred or Reserve): 15,000 points per referral, 100,000 points a year
• Chase Freedom (Flex or Unlimited): $50 cash back per referral, $500 a year
• Chase Freedom Rise: $25 cash back, $250 a year
• Southwest Rapid Rewards: 20,000 points, 100,000 a year
• United MileagePlus: 10,000 miles, 100,000 a year
• Marriott Bonvoy: 40,000 points, 200,000 a year
• Chase for Business: 40,000 points per referred business, 200,000 a year
• IHG One Rewards: 10,000 points, 50,000 a year
• World of Hyatt Business: 10,000 points per business owner, 50,000 a year
• Disney Visa: 100 Disney Rewards Dollars for up to 5 friends, 500 a year
• Prime Visa or Amazon Visa: a $50 Amazon gift card, $500 a year

The IHG and Amazon bonuses need your friend to be approved for the card. Chase's page also tells you to click the button for the program you want so the offer is credited to you.

The Sapphire amount is the same for the Preferred and the Reserve, even though the cards aren't alike. Our Sapphire Reserve vs. Sapphire Preferred comparison helps you pick which one to recommend, and the Chase Ink business cards breakdown does the same for the business side.

How to Refer a Friend

Sign in to Chase, open the Refer-A-Friend page at creditcards.chase.com/refer-a-friend, choose the card your friend wants and send them the link Chase gives you. Your friend has to apply through that link for the referral to count.

I send links one to one, after a real conversation about why the card fits their spending. A link that arrives with a reason converts better than one dropped into a group chat, and it keeps the recommendation honest.

Compare Your Link With the Public Offer

Before you send a link, put the offer on it next to the public offer on the card's page. If the public offer is bigger, your friend is better off with the public one unless they plan to share points with you.

Say the public offer on a card is 75,000 points and the offer on your link is lower. Tell your friend which route pays them more. That habit builds the trust that gets your next referral.

Ask About 5/24 First

Chase tends to decline most of its personal cards when you've opened five or more cards across all issuers in the past 24 months. Our Chase 5/24 rule explainer covers how the count works. Ask your friend about it before you send the link, because a declined application earns you nothing.

Keep Track of Each Referral

Posting times vary, so I keep a one-page spreadsheet with the friend's name, the card, the application date and when I expect the bonus. If one doesn't show up after several weeks, I call the number on the back of my card with those details and ask Chase to look at it.

Each program has its own annual cap, so check how much of it you've used before you recruit the next friend.

Help Your Friend Use the Card Well

A referral works out best when your friend gets real value from the card. I send them three things: the Chase Ultimate Rewards 101 piece on how to think about UR value, the Pay Yourself Back explainer, and the best ways to use UR for travel redemptions.

For minimum spend, I tell friends to put real categories on the card, such as rent through Bilt routing where it fits or upcoming travel through the Chase Travel portal. I don't recommend manufactured spend to anyone new to the hobby. If a friend wants more depth, point them to the credit card hacks that compound over time and the rock-solid credit profile guide.

Taxes and Record Keeping

Treat referral rewards as possibly taxable income and log each one with the date, amount, card and recipient. If your referral income is meaningful, a tax professional can tell you how to report it, and a service like TaxFyle can handle the filing. I'm not a CPA.

What to Do Next

1. Sign in to Chase and open the Refer-A-Friend page to see which programs and amounts you can refer today.
2. List the friends who would benefit from a Chase card, and ask each about their 5/24 count.
3. Compare the offer on your link with the public offer before you send it.
4. Log each referral, and follow up with Chase if a bonus is late.

Updated October 17, 2026: referral bonuses.

Sources

1. Chase: Refer-A-Friend page, bonuses and annual limits by card (read 2026-10-17)

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