{"id":145967,"date":"2025-09-07T21:10:30","date_gmt":"2025-09-07T21:10:30","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=145967"},"modified":"2026-04-08T14:22:19","modified_gmt":"2026-04-08T14:22:19","slug":"chase-refer-a-friend","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/chase-refer-a-friend\/","title":{"rendered":"Earn Rewards on Card Referrals: Complete Guide to Chase\u2019s Refer-a-Friend and Business Programs"},"content":{"rendered":"<p>Chase\u2019s Refer-a-Friend and Refer-a-Business programs let you earn bonus rewards when someone opens a new card through your link. Whether you want more Ultimate Rewards, airline miles, or hotel points, referrals can be an easy way to grow your balances without new applications or extra spending.<\/p>\n<p>In this guide, we\u2019ll cover how personal and business referrals work, how to generate and share your links (web and app), which cards are eligible, and the fine print to watch \u2014 like offer mismatches, annual caps, tax forms, and a key rule change for business referrals.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Is_the_Chase_Refer-a-Friend_Program\">What Is the Chase Refer-a-Friend Program?<\/a><ul><li><a href=\"#Typical_Chase_referral_offers\">Typical Chase referral offers<\/a><\/li><li><a href=\"#When_referrals_don8217t_match_public_offers\">When referrals don't match public offers<\/a><\/li><li><a href=\"#Eligible_cards_for_earning_a_Chase_referral_bonus\">Eligible cards for earning a Chase referral bonus<\/a><\/li><\/ul><\/li><li><a href=\"#How_To_Generate_a_Chase_Referral_Link_or_Email\">How To Generate a Chase Referral Link or Email<\/a><\/li><li><a href=\"#Chase_Referral_Bonuses_as_Taxable_Income\">Chase Referral Bonuses as Taxable Income<\/a><\/li><li><a href=\"#What_Restrictions_Apply_to_the_Program\">What Restrictions Apply to the Program?<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Is_the_Chase_Refer-a-Friend_Program\">What Is the Chase Refer-a-Friend Program?<\/span><\/h2>\n<p>Chase offers both a Refer-a-Friend and a Refer-a-Business program, allowing cardholders to earn rewards by referring friends and family to open Chase credit cards. You can earn cash rewards by referring to cash-back cards, Ultimate Rewards by referring to\u00a0<a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-rewards-cards\/\" rel=\"noopener\">Ultimate Rewards-earning cards<\/a>, and various loyalty points by referring others to co-branded cards.<\/p>\n<p>Have a Chase checking account? There's a referral for that, too (and Chase checking accounts include <a target=\"_blank\" href=\"\/credit-cards\/disney-visa-review\/\" rel=\"noopener\">free Disney debit cards full of perks<\/a>). Most Chase cards participate in the Refer-a-Friend or Refer-a-Business Program. Here's what you need to know:<\/p>\n<ul>\n<li>To earn referral rewards, you must generate a link and send it to your friend, family, or business.<\/li>\n<li>The person or business who receives the link must use it to apply and must be approved for the card.<\/li>\n<li>Some links you send may allow the recipient to apply for multiple cards.<\/li>\n<li>Your referral link's welcome bonus may not match all public card offers.<\/li>\n<\/ul>\n<p>Additionally, as of October 7, 2025, cardholders will only receive bonuses for referring <strong>new<\/strong> Chase business card customers. In other words, you will not receive a bonus if the person who uses your link already holds a Chase business card. The household referral merry-go-round will come to a halt, at least for Ink cards.<\/p>\n<h3><span id=\"Typical_Chase_referral_offers\">Typical Chase referral offers<\/span><\/h3>\n<p>Many Chase cards offer standard referral offers. For example, the standard referral offer for the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a> card is 15,000 Ultimate Rewards per successful referral, up to 75,000 points from referrals each calendar year.<\/p>\n<figure id=\"attachment_218080\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/467\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218080 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-sapphire.png\" alt=\"A screen shot shows the refer a friend offer for the Chase Sapphire cards. \" width=\"500\" height=\"467\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-sapphire.png 500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-sapphire-300x280.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>For <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-business-card\/\" rel=\"noopener\">Ink Business card<\/a> referrals, the current offer is 20,000 points per business referred. The total referral limit per person is capped at 100,000 referral rewards per year. However, note that this limit applies per cardholder, not per card. Even if you hold multiple Ink cards, the most you can earn in referral points is 100,000 per calendar year. <\/p>\n<figure id=\"attachment_218082\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/223\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-218082 size-full lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-refer-a-business.png\" alt=\"A screen shot from Chase shows the refer-a-business offer for Ink cards. \" width=\"750\" height=\"223\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-refer-a-business.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-refer-a-business-300x89.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>In 2024, we saw bonuses for Ink cards as high as 40,000 points per referral, but that seems to have disappeared in 2025.<\/p>\n<h3><span id=\"When_referrals_don8217t_match_public_offers\">When referrals don't match public offers<\/span><\/h3>\n<p>Pay attention to the referrals you're providing to your friends and family because your referral link won't always match Chase's public offers. Chase's co-branded hotel cards, like those from Marriott Bonvoy<sup>\u00ae<\/sup>, regularly offer different bonuses through your referral links.<\/p>\n<p>Here's an example. Earlier in 2025, my personal referral link for the no-annual-fee IHG card, <a data-ccid=\"4048176\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-traveler-card\/\">IHG One Rewards Traveler Card<\/a>, offered a welcome bonus of 80,000 IHG points after spending $2,000 in three months.<\/p>\n<figure id=\"attachment_218175\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/462\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218175 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-referral-offer.png\" alt=\"A screen shot shows a referral offer through Chase for an IHG credit card.\" width=\"750\" height=\"462\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-referral-offer.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-referral-offer-300x185.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>Meanwhile, the public offer for this card was 120,000 points after meeting the same minimum spending requirements.<\/p>\n<figure id=\"attachment_218176\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/300\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218176 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-public-offer.png\" alt=\"A screen shot from CHase shows the public offer for an IHG credit card.\" width=\"750\" height=\"300\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-public-offer.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ihg-public-offer-300x120.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>Similarly, the <a data-ccid=\"4048106\" href=\"https:\/\/awardwallet.com\/credit-cards\/ihg-one-rewards\/ihg-premier-card\/\">IHG One Rewards Premier Credit Card<\/a> had a public offer for five free night certificates, while the referral offered only offered four free night certificates.<\/p>\n<p>Keep in mind that when a new, higher offer is released to the public on a card, such as a recent <a target=\"_blank\" href=\"\/credit-cards\/chase-credit-card-offer-history\/\" rel=\"noopener\">best-ever offer on the Sapphire Preferred card<\/a>, the referral program often rolls out the same offer some time later.<\/p>\n<p>In any case, make sure the person you're referring knows their options.<\/p>\n<h3><span id=\"Eligible_cards_for_earning_a_Chase_referral_bonus\">Eligible cards for earning a Chase referral bonus<\/span><\/h3>\n<p>Most Chase cards earn referral rewards, including the following:<\/p>\n<ul>\n<li><strong>Chase Freedom card family:<\/strong> Earn $50 cash back for each friend who gets a <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a> or <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a>, up to $500 per calendar year.<\/li>\n<li><strong><a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>:<\/strong> Earn 15,000 bonus points for each successful referral, up to 100,000 points per calendar year.<\/li>\n<li><strong><a data-ccid=\"4048084\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/sapphire-reserve\/\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>:<\/strong> Earn 15,000 bonus points for each successful referral, up to 100,000 points per calendar year.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/southwest-rapid-rewards\/southwest-credit-card\/\" rel=\"noopener\">Southwest Rapid Rewards credit cards<\/a>:<\/strong> Earn 20,000 bonus points for each successful referral, up to 100,000 Rapid Rewards points per calendar year.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/united-mileageplus\/united-credit-cards\/\" rel=\"noopener\">United MileagePlus credit cards<\/a>:<\/strong> Earn 10,000 bonus miles for each successful referral, up to 100,000 miles per calendar year.<\/li>\n<li><strong>Avios credit card:<\/strong> Earn 10,000 bonus Avios for each successful referral, up to 50,000 Avios per calendar year.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/marriott-bonvoy\/marriott-credit-card\/\" rel=\"noopener\">Marriott Bonvoy credit card family<\/a>:<\/strong> Earn 40,000 bonus points for each successful referral, up to 200,000 Marriott points per year.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/disney-visa-review\/\" rel=\"noopener\">Disney credit card family<\/a>:<\/strong> Earn 100 Disney Rewards Dollars for each successful referral, up to 500 Disney Rewards per calendar year.<\/li>\n<li><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-offers\/\" rel=\"noopener\"><strong>Chase Ink business card family<\/strong><\/a><strong>:<\/strong> Earn up to 20,000 points for each successful referral, up to 100,000 points per calendar year.<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/ihg-one-rewards\/ihg-credit-cards\/\" rel=\"noopener\">Participating IHG One Rewards credit cards<\/a>:<\/strong> Earn 10,000 bonus points for each successful referral, up to 50,000 IHG rewards per year.<\/li>\n<li><strong><a data-ccid=\"4048270\" href=\"https:\/\/awardwallet.com\/credit-cards\/world-of-hyatt\/hyatt-business-card\/\">World of Hyatt Business Credit Card<\/a>:<\/strong> Earn 10,000 bonus points for each successful referral, up to 50,000 bonus points per calendar year.<\/li>\n<li><strong>Chase checking account:<\/strong> Earn $50 for each friend who opens a qualifying Chase checking account, up to $500 per calendar year. Plus, your friend could earn a cash bonus for opening the account and completing some basic activities like making a deposit.<\/li>\n<\/ul>\n<h2><span id=\"How_To_Generate_a_Chase_Referral_Link_or_Email\">How To Generate a Chase Referral Link or Email<\/span><\/h2>\n<p>Refer others to Chase credit cards by generating links through the referral website, signing into your Chase account on the web, or generating links through the Chase app.<\/p>\n<p>One option is visiting the <a target=\"_blank\" href=\"https:\/\/creditcards.chase.com\/refer-a-friend\" rel=\"noopener\">Chase Refer-a-Friend site<\/a>. From here, you can click the green &#8220;Refer Friends Now&#8221; button to generate links without signing in. The other choice is to click the &#8220;Sign In&#8221; button in the top right corner (more on that later).<\/p>\n<figure id=\"attachment_218092\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/481\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218092 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-landing-page.png\" alt=\"Screen shot from the refer a friend landing page\" width=\"750\" height=\"481\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-landing-page.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-landing-page-300x192.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>Clicking the &#8220;Refer Friends Now&#8221; button will take you to another screen displaying your generated link. Click the &#8220;Copy Link&#8221; button to copy the link and send it to friends, family, or business contacts.<\/p>\n<figure id=\"attachment_218093\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"750\/386\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218093 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-link-generator.png\" alt=\"A screen shot shows how you can generate a unique link in the Chase refer a friend program\" width=\"750\" height=\"386\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-link-generator.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/refer-a-friend-link-generator-300x154.png 300w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>Alternatively, if you sign in &#8212; or you're already inside your Chase account &#8212; choose the &#8220;Accounts&#8221; tab in the upper left-hand corner.<\/p>\n<p><img data-aspectratio=\"750\/132\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-146021 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account.png\" alt=\"Generating referral links inside a chase account by first choosing the accounts tab in the upper left hand corner\" width=\"750\" height=\"132\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account.png 1824w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account-300x53.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account-1024x181.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account-768x136.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Generating-referral-links-inside-a-chase-account-1536x271.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>Next, you'll click the three dots to the right of the card you'd like to refer. This will open a menu where you'll find and click on &#8220;Account Services.&#8221;<\/p>\n<figure id=\"attachment_218095\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/551\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218095 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/account-services-tab-1.png\" alt=\"A screenshot shows how to find the account services tab in Chase accounts.\" width=\"500\" height=\"551\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/account-services-tab-1.png 500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/account-services-tab-1-272x300.png 272w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Credit: Chase<\/em><\/enter><\/figure>\n<p>Clicking on &#8220;Account Services&#8221; will drop down yet another menu. Click on &#8220;Refer-a-friend.&#8221; The next screen will display your referral link for you to copy and share with others.<\/p>\n<p><img data-aspectratio=\"750\/196\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"aligncenter wp-image-146027 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account.png\" alt=\"Referral link generated inside a Chase account with a copy link button next to it\" width=\"750\" height=\"196\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account.png 2016w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account-300x79.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account-1024x268.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account-768x201.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/Referral-link-generated-inside-a-Chase-account-1536x402.png 1536w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<p>One final way to generate referral links is inside the Chase app. Sign in to the app and click on the desired card from the following screen.<\/p>\n<figure id=\"attachment_146036\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/1084\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-146036 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app.png\" alt=\"credit cards displayed inside chase app\" width=\"500\" height=\"1084\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app.png 1179w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app-138x300.png 138w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app-472x1024.png 472w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app-768x1665.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app-709x1536.png 709w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/list-of-cards-inside-a-chase-app-945x2048.png 945w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Screenshot of Chase app<\/em><\/enter><\/figure>\n<p>On the next screen, scroll down until you can click on &#8220;Refer Friends, Earn Rewards.&#8221;<\/p>\n<figure id=\"attachment_146038\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/1084\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-146038 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1.png\" alt=\"refer friends screen inside the chase app\" width=\"500\" height=\"1084\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1.png 1179w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1-138x300.png 138w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1-472x1024.png 472w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1-768x1665.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1-709x1536.png 709w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/01\/refer-friends-screen-inside-chase-app-1-945x2048.png 945w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Screenshot of Chase app<\/em><\/enter><\/figure>\n<p>The last screen will display your referral link, which you can click to copy and send to others.<\/p>\n<figure id=\"attachment_218097\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"500\/521\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"size-full wp-image-218097 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-app-referral.jpeg\" alt=\"A screenshot from the Chase app shows a referral page for the Ink Business card\" width=\"500\" height=\"521\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-app-referral.jpeg 500w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/07\/ink-app-referral-288x300.jpeg 288w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><center><em>Screenshot of Chase app<\/em><\/enter><\/figure>\n<p>Once your contact uses your link and is approved for a credit card, it can take up to eight weeks for your referral bonus to show. The bonus will appear on your statement as a \u201cRefer-A-Friend&#8221; or &#8220;Refer-A-Business&#8221; bonus.<\/p>\n<h2><span id=\"Chase_Referral_Bonuses_as_Taxable_Income\">Chase Referral Bonuses as Taxable Income<\/span><\/h2>\n<p>Chase has been known to send out 1099s to referrers who've earned more than $600 or 60,000 in referral awards in a calendar year. Keep in mind this is a combination of all of your referral bonuses, whether you received Ultimate Rewards, Marriott Bonvoy points, or United Miles.<\/p>\n<h2><span id=\"What_Restrictions_Apply_to_the_Program\">What Restrictions Apply to the Program?<\/span><\/h2>\n<p>Aside from each card family\u2019s annual cap, the main restrictions are straightforward. You will not earn a bonus if you use your own link to apply for another card, and your account must be in good standing when Chase credits the reward. Also, keep in mind that, as mentioned above, beginning in October\u202f2025, Ink card referral bonuses will pay out only when the applicant is new to Chase business cards.<\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Referring friends, family, and business contacts to Chase cards is a smart, lucrative way to earn points without opening a new card or spending any money. Sure, you may be taxed on the income, but imagine the possibilities with all the extra cash, loyalty points, Disney dollars, or Ultimate Rewards you'll have in your wallet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Refer friends, family, and business contacts to Chase credit cards through Chase&#8217;s Refer-a-Friend and Refer-a-Business programs. You will put valuable points and cash in your wallet while introducing your community to the value of credit card points and miles.<\/p>\n","protected":false},"author":85,"featured_media":124839,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12054],"tags":[12786,12621],"coauthors":[36458,36466],"class_list":["post-145967","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips","tag-chase","tag-earning-strategy"],"acf":[],"yoast_head":"<title>Guide 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