Chase Referral Links (October 2026)
Find the Chase refer-a-friend link for the specific card listed below. Compare the new-cardmember offer, spending requirement and qualification period; the referring cardholder’s reward is a separate part of the program.
The top Chase referral offers right now are Chase Sapphire Reserve (100,000 Bonus Points), Chase Sapphire Preferred (75,000 Bonus Points), Chase Freedom Flex ($250 Cash Back + 5% Rotating Categories). All 4 are listed below, ranked by what they pay, with the code or link and what you must do to qualify.
Eligibility can depend on where you live and, for money transfers, where you send money. Check the country, current reward, and qualifying steps on the linked offer before signing up.
| Offer and code | Bonus | Eligible countries | How to claim | Requirement |
|---|---|---|---|---|
| Chase Sapphire Reserve referral link | 100,000 Bonus Points | United States | Use referral link — no code | Spend $6,000 on purchases in the first 3 months from account opening to earn 100,000 bonus points |
| Chase Sapphire Preferred referral link | 75,000 Bonus Points | United States | Use referral link — no code | Spend $5,000 on purchases in the first 3 months from account opening to earn 75,000 bonus points |
| Chase Freedom Flex referral link | $250 Cash Back + 5% Rotating Categories | United States | Use referral link — no code | Spend $500 on purchases in the first 3 months from account opening to earn the new cardmember bonus |
| Chase Freedom Unlimited referral link | $200 Cash Bonus (20,000 Points) with No Annual Fee | United States | Use referral link — no code | Spend $500 on purchases in the first 3 months from account opening to earn a $200 bonus |
Choose the exact Chase card referral
Open the individual card page to see its referral link and recorded offer details. Sapphire and Freedom card offers have their own terms; do not assume that a link for one card applies to another. Confirm the offer displayed by Chase before submitting an application.
Check the welcome offer and eligibility
Compare the points or cash-back amount with the qualifying spend and deadline. Read Chase’s current terms for prior-cardmember restrictions, fees and eligible purchases. Historical bonus amounts in search results may differ from the offer currently displayed through a referral link.
Seen an 80,000 or 90,000-point Sapphire Preferred referral?
Search results often show older or targeted Chase Sapphire Preferred offers, such as 80,000 or 90,000 points. The amount on the Sapphire Preferred page here is the offer recorded through this referral link on its last check date, not a historical high. Chase sets the welcome offer shown on your application, so compare it with the amount on the Chase page before you apply.
Preferred, Reserve, Unlimited and Flex
Preferred and Reserve have different fees and rewards. Unlimited’s welcome offer should not be mixed with Flex’s activated rotating categories. Check the exact card on the Chase application; historical points headlines do not establish today’s referral offer.
How the Chase offers compare
These are recorded offer details, not completed redemption tests. Check the linked provider and personal invitation for current amounts and qualification.
Deadlines and payout times come from each brand's terms; "Not stated" means the brand doesn't say.
| Offer | Time to qualify | When the bonus arrives | Reward type | Who receives it | Recorded offer check |
|---|---|---|---|---|---|
| Chase Sapphire Reserve | First 3 months from account opening | Allow 6 to 8 weeks after qualifying | Travel reward points | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Chase Sapphire Preferred | First 3 months from account opening | Allow 6 to 8 weeks after qualifying | Travel reward points | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Chase Freedom Flex | First 3 months from account opening | Allow 6 to 8 weeks after qualifying | Cashback welcome reward | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Chase Freedom Unlimited | First 3 months from account opening | Allow 6 to 8 weeks after qualifying | Cashback welcome reward | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
Chase Referral Links: common questions
What is the best Chase referral bonus right now?
Chase Sapphire Reserve: 100,000 Bonus Points. To qualify: Spend $6,000 on purchases in the first 3 months from account opening to earn 100,000 bonus points. Next: Chase Sapphire Preferred (75,000 Bonus Points) and Chase Freedom Flex ($250 Cash Back + 5% Rotating Categories).
Do Chase referrals use a code or a link?
Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom Flex and Chase Freedom Unlimited work from the referral link alone, with no code to enter.
How long do Chase referral bonuses take to arrive?
All of them: Allow 6 to 8 weeks after qualifying.
How long do I have to qualify for a Chase referral bonus?
All of them: First 3 months from account opening.
Does the person who refers me get a Chase bonus too?
Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom Flex and Chase Freedom Unlimited: the terms say both people can be rewarded.
Which Chase cards with a referral bonus have no annual fee?
Chase Freedom Flex ($250 Cash Back + 5% Rotating Categories) and Chase Freedom Unlimited ($200 Cash Bonus (20,000 Points) with No Annual Fee). Check the issuer's current terms before applying.
What annual fee do these Chase cards charge?
Chase Sapphire Reserve: $795 annual fee, plus $195 for each authorized user. Chase Sapphire Preferred: $95 annual fee. Chase Freedom Flex: No annual fee. Chase Freedom Unlimited: No annual fee.
Which Chase cards offer a referral bonus in travel rewards points or miles?
Chase Sapphire Reserve (100,000 Bonus Points) and Chase Sapphire Preferred (75,000 Bonus Points). Points and miles are worth different amounts depending on how you redeem them.
Can I check if I'm pre-qualified before using a Chase referral link?
Some issuers offer a pre-qualification check with a soft credit inquiry. It's separate from the referral offer, and a referral link doesn't pre-qualify or pre-approve you. Applying normally involves a hard inquiry.
Can I get a Chase referral bonus if I've had one of their cards or accounts before?
Chase Sapphire Reserve: New Chase Sapphire Reserve cardmembers, subject to credit approval. You can't get the card if you have it open now, and the new cardmember bonus may not be available if you held this card before. Chase Sapphire Preferred: New Chase Sapphire Preferred cardmembers, subject to credit approval. You can't get the card if you have it open now, and the bonus may not be available if you held this card before or already received its new cardmember bonus. Chase may also look at how many cards you have opened and closed. Chase Freedom Flex: Not available to current Freedom Flex cardmembers, or to former cardmembers who received a new cardmember bonus for this card in the last 24 months. Subject to credit approval. Chase Freedom Unlimited: Available if you don't have this card now and haven't received a new cardmember bonus for it in the past 24 months. Subject to credit approval.
How this list is ranked
Offers are sorted using an approximate headline-value calculation. Points, miles, cash and credits are not equivalent. Requirements come from each brand's terms; where a brand does not state one, it says "Not stated". Read how offers are verified.
More guides: Best referral bonuses overall · Credit Card Referral & Refer-a-Friend Bonuses · Money Transfer Referral Codes · Send Money to India: Referral & Promo Codes · Bank Account Referral Bonuses · Amex Referral Links · Capital One Referral Links.
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Latest offer check: 2026-10-17 by Vishva Variya. All referral codes