Recommended bonuses are win-win. When you recommend a friend to a new card, you can earn bonus points, miles or cash back without making any purchases. Once your spending requirements are met, your friends can also receive a large number of welcome offers.
Chase’s Refer-A-Friend program is generous. If you hold certain Chase credit cards (including Chase’s co-branded sets with United, Hyatt, Southwest, IHG, Marriott and Disney) and are eligible to earn bonus points, miles or sale from successful referees.
So, how does Chase Card recommendation work? Let’s cover the whole process in this guide.
How to recommend friends to chase cards
It’s easy to recommend someone. Here is how to generate links to recommend your friends, family and colleagues.
On your computer, navigate to Chase’s dedicated landing page for all recommended links. This page has a drop-down box for all your chase cards, as well as the option to generate links on site to send to friends.
You need to log in to your Chase account to access this page.
You can also find this feature in the mobile app. Log in to the Chase app, navigate to the More tab, and select Recommend friends.
From there, you can share your unique link via text messages or social media, or simply copy it.
Related: Recommend friends to sapphire cards to get reward points for each application
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How to get a Chase Recommendation Bonus
To get a referral bonus, you need to generate a unique app link for someone to use. The person you are referring to must then access the application through your link and get the approved card. You can introduce friends, family or colleagues.
After the person who successfully approved the card, you will receive a bonus.
Depending on the card, you will receive 10,000 to 40,000 bonus points or anywhere from each recommended miles. This includes common cards.
When recommending friends Chase FreedomFlex® (See rates and fees), Chase for Freedom® (See rates and fees) or chase checking accounts.
You can repeat these recommendations multiple times, but your income is limited to 50,000 to 200,000 bonus points or miles or $500 cash back (if free card and checking account).
Chase card with recommendation bonus
The card your friend successfully applied for determines how many reward points or miles you will receive or how much cash back you will receive and how much you can receive before reaching the limit.
| Chase Card | Recommended bonus for each recommendation | Recommended bonus limit per year |
|---|---|---|
| Chase Sapphire Priority® Card (See rates and fees) and Chase SapphireReserve® (See rates and fees) | 15,000 Chase Ultimate Reward Points | 100,000 points |
| Chasing for freedom and flexibility and Chasing for infinite freedom | $50 Cash Back | $500 Cash Back |
| Southwest Airlines Card | 20,000 Southwest Quick Reward Points | 100,000 points |
| United Airlines Card | 10,000 United LileagePlus Miles | 100,000 miles |
| Marriott Hotel Card | 40,000 million island points | 200,000 points |
| Disney® Visa Card (See rates and fees) and Disney® Premier Visa® Card (See rates and fees) | 100 Disney Reward USD | 500 Disney Reward USD |
| Ink business card* | 20,000 Chase Ultimate Rewards Points | 100,000 points |
| IHG reward card | 10,000 IHG one bonus point | 50,000 points |
| The World of Hyatt Business Credit Cards (See rates and fees)** | 10,000 Hyatt | 50,000 points |
You can find a complete list of each individual chase card eligible for a recommendation bonus on this page.
Remember that your friends must use your personalized link to earn bonuses.
*Chase will soon implement a new rule that will be limited to referral bonuses for new ink cardholders: “From October 7, 2025, you will be eligible for referral bonuses for new Chase commercial card customers only. Individuals with existing Chase Chase business card accounts are only available for referral business card accounts and will no longer be eligible for referral bonuses.”
If you want to quote an existing Chase ink card customer (the common Chase card is currently excluded), it is important to do so by October 7th. This will not affect the welcome reward eligibility, just refer the bonus you may earn.
**Some cardholders are not eligible for bonuses referred to Hyatt Card World. Check your account to see if you can earn bonus points.
This news follows, with the update of the welcome bonus eligibility rules for personal sapphire cards.
Related: Can I refer someone to a commercial credit card on my personal credit card?
What do you know about chasing recommendation bonuses
There are other things to note when you quote a chase card.
You don’t have to have a card to recommend it
You can recommend your friends to cards you don’t hold. For example, I only have the preferred choice for sapphires, but my recommendation link also mentions that I will win a bonus for those who get sapphire reserves.
You don’t necessarily have to be friends with your referral partner. Just make sure they follow the appropriate steps to approve through your personalized link.
Make sure your friends get the best welcome quote
It is important to note that if your friend applies through the referral link, you may not receive the highest available welcome bonus.
Not everyone will see the same bonus, so be a good friend and make sure the person you mention knows where they can find the best welcome bonus for you.
For example, Chase Sapphire’s first choice Currently, 75,000 bonus points are currently available after spending $5,000 in the first three months of account opening. You will need to check the quotes that appear through the referral link to make sure they get the best deal.
Your bonus may take a while to arrive
It may take up to eight weeks to see the reward points, miles or cashback posted to your account from the referrer.
You may have to pay tax on your recommendation bonus
Finally, remember that some banks have sent 1,099 vehicles for recommendation bonuses in the past.
Remember that your referral bonus may be considered income, especially if you earn the maximum amount with a referral bonus. If you are unsure about the tax on the referral bonus, talk to a tax expert.
Related: If I cashed in on my points and miles, do I have to ask for taxes?
Bottom line
Recommended bonuses are a great way to earn bonus points and miles without making additional purchases.
The most important factor to remember is to make sure your friends apply through your personalized links. Otherwise, you won’t receive a referral bonus.
Related: The best time to apply for these popular chasing credit cards based on quote history
