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Chase refer a friend: Earn bonus points when your friends get a new credit card.

If you have a Chase credit card, you might be able to earn points or cash back by referring friends through Chase’s Refer-A-Friend program. Through Chase’s refer-a-friend program, you can earn cash back or points when your friends apply and are approved for new Chase credit cards.

Chase referral links are easy to generate and are a great perk for Chase cardholders. If you’re not a Chase cardholder and want to become one, check out our current best Chase Ultimate Rewards welcome bonuses.

Chase Refer a Friend screen.

Here’s everything you need to know about how Chase refer-a-friend links work.

Three ways to get your refer-a-friend link

To refer a friend to Chase and earn points, you’ll need to find your Chase referral links and send them to your friend. Here are three ways you can access your links.

How to generate a Chase referral link through

To generate your own Chase referral link, go to the Chase referral site at Enter your name, billing ZIP code, and last four digits of your card in the form and you’ll get your referral link, which you can send to your friends.

The link that gets generated will show cards in the same card family. If you hold a Chase Freedom Flex card, for example, your referral link will show welcome offers for the Chase Freedom Unlimited and Slate Edge cards, in addition to the Freedom Flex. The same is true for

One quirk of the Refer Your Chase Card site is that you can’t simply go to the site and generate referral links for all of your cards. If you try to create a referral link for a second card, you’ll get an error message saying that the site is already open. To resolve this message, simply close your browser window and start your browsing session again.

If you’re worried about sharing personal information by sending your link to a friend, don’t be. In most cases, the link doesn’t even display your name on the landing page that shows when you click through.

Chase Refer a Friend referral link generation screen.

Once you’ve generated your referral link, you can send your link to friends and start earning rewards for new cardmember sign-ups.

Get your referral link on your mobile app

Refer friends earn rewards card within the Chase mobile app. The screenshot shows a button that says "Refer friends now."
Refer-a-friend card within the Chase mobile app.

You can also get your Chase referral links in the mobile app. From the Chase mobile app home screen, click on the wallet with the plus at the top of the screen. Scroll down to the card that says “Refer Friends. Earn Rewards.” Clicking on “Refer friends now” will bring up a screen where you can get all of your referral links.

To get your link, click on “Copy link.” You can then paste the link into a message or email. If you have multiple Chase cards, you can select which card you want to refer from from the drop-down at the top of the page.

Get all your referral links in one place

Recently, Doctor of Credit published a link that allows you to view all of your Chase referral links in once place. Here it is. You mused be logged into your Chase account for this link to take you directly to your referral links.

You won’t be able to see how much you’ve earned from your referral links on this page, but this is by far the most convenient way to get all of your referral links in once place. This link works best if you first log into your Chase account and then copy and paste the above link into your browser window.

Periodically refresh your referral links

When Chase changes its promotions, your referral links will still function, but the people you refer will see a message that the offer you sent is not available.

They will be redirected to a page with the current offer, but this might be confusing to some people.

If you’re going to refer a friend to Chase, it is a good practice to follow the referral link to check to make sure that the link doesn’t display this popup. If it does, simply go to and re-generate the link.

Tracking your referral link rewards

Wondering how much money you’ve earned by referring your friends to Chase cards? Well, you can see how many referral bonuses you’ve earned by clicking on “Rewards Tracker” when you generate your referral link.

The rewards tracker link will scroll down further on the page and show you a progress bar that displays your referral earnings for the year. You won’t be able to see the status of each of your friends’ credit card applications. But once a friend that you refer has applied and is approved, the referral tracker should update shortly.

Note that the amount you can earn from your referrals is capped per card account. This cap resets at the beginning of the calendar year.

Which cards qualify for Chase referral links

Not all Chase cards offer a referral program. Amazon cards, for instance, cannot generate referral links. Here’s a list of cards that are known to work with Chase’s referral program:

You will likely pay taxes on refer-a-friend bonuses.

While you won’t pay taxes on most credit card rewards, you will likely get a 1099 and be required to pay taxes on any referral bonuses you receive. Why? The rewards you earn from purchases are generally considered a rebate by the IRS and therefore are not taxable. But the cash back or points you receive from a Chase referral bonus aren’t tied to a purchase you made—you receive them upon your friend’s card approval—so they can’t be considered a rebate.

This probably isn’t a reason to forego the points you’ll earn from referring a friend, but it could be a consideration if you are planning on holding the points for a larger redemption farther in the future. You’ll receive a 1099 in the year you earn your refer-a-friend points, not the year you redeem them. Chase generally values Ultimate Rewards® points at 1 cent apiece for tax purposes.

Frequently asked questions

How many miles/points can I earn from referring Chase cards?

This amount varies by card and changes from time to time. For example, you can currently $50 for each Chase Freedom referral, up to $500 or 40,000 points annually for each Chase Ink referral, up to 200,000 points each year.

Do Chase referral links expire?

Chase referral links do not expire, but when Chase changes its credit card promotions, the person clicking through on your referral link will see a “this offer is no longer available” message.

Do Chase referral links always have the best offer?

Chase markets cards through many different channels, and sometimes referral links show new cardmember offers that are less than you could get elsewhere. Be sure to visit our best Ultimate Rewards welcome bonuses page to see the best offers available on Chase cards.

Can I apply to a referral link offer and then get matched to a better offer?

Chase will usually match your new cardmember bonus offer to the best public offer if you contact them and ask within about a month of applying for a card.

About the author

  • Aaron Hurd

    Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar. Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.

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