Credit Card Referral & Refer-a-Friend Bonuses (October 2026)
Looking for a credit card refer-a-friend offer? Compare the referral links below by welcome reward and qualifying spend. A referral reward for the cardholder who invited you can be different from the sign-up offer you receive.
The top credit card referral offers right now are Amex Platinum (Up to 175,000 Membership Rewards Points), Amex Gold Card (Up to 100,000 Membership Rewards Points), Chase Sapphire Reserve (100,000 Bonus Points). All 11 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 |
|---|---|---|---|---|
| Amex Platinum referral link | Up to 175,000 Membership Rewards Points | United States | Use referral link — no code | Get approved and accept the card with the welcome offer Amex shows you, then spend $12,000 on eligible purchases |
| Amex Gold Card referral link | Up to 100,000 Membership Rewards Points | United States | Use referral link — no code | Get approved and accept the card with the welcome offer Amex shows you, then spend $8,000 on eligible purchases |
| 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 |
| Capital One Venture X referral link | 75,000 Bonus Miles + $300 Travel Credit | United States | Use referral link — no code | Apply through the referral page, get approved, and spend $4,000 on purchases within the first 3 months from account opening |
| Amex Blue Cash Preferred referral link | Up to $300 Cash Back | United States | Use referral link — no code | Get approved and accept the card with the welcome offer Amex shows you, then make $3,000 in eligible purchases |
| Bilt Card referral link | $100–$300 Bilt Cash Sign-Up Bonus; Palladium Adds 50,000 Points | United States | Use referral link — no code | Apply through the referral link in the same browser session and get approved. For the Palladium points bonus, spend $4,000 on everyday purchases (excluding rent or mortgage) within 90 days |
| 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 |
| Amex Blue Cash Everyday referral link | Up to $200 Cash Back | United States | Use referral link — no code | Get approved and accept the card with the welcome offer Amex shows you, then make $2,000 in eligible purchases |
| Discover it referral link | Statement Credit for You and Your Friend + First-Year Cashback Match | United States | Use referral link — no code | Apply online through the referral link, get approved, and make a purchase that posts within 3 months of account opening |
How to use a credit card refer-a-friend link
Open the referral page for the exact card you want and check the offer displayed by the issuer before applying. Compare that welcome offer with the spending requirement and deadline on this list. Keep a record of the terms shown during your application; the issuer decides whether you qualify.
Compare the requirement, not just the points
Points, miles, cash back and statement credits are different rewards. Check the annual fee, eligible purchases, prior-customer restrictions and redemption rules in the official card terms. A larger headline bonus may require more spending, and using a referral link does not guarantee approval or a reward.
Applicant rewards and inviter earnings are different
The welcome offer displayed to the applicant controls the spending requirement and reward. Referrer earnings are not added to it. Compare exact card names, annual fees and eligible spending; retain the offer terms before applying. Our recorded amounts do not override targeted or changed issuer offers.
How the credit card 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 |
|---|---|---|---|---|---|
| Amex Platinum | Within the first 6 months of card membership | Within 8–12 weeks after you reach the $12,000 spend | Membership Rewards points | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Amex Gold Card | Within the first 6 months of card membership | Within 8–12 weeks after you reach the $8,000 spend | Membership Rewards points | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| 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 |
| Capital One Venture X | Within the first 3 months from account opening | Not stated | Welcome miles; separate annual travel credit | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-11 |
| Amex Blue Cash Preferred | Within the first 6 months of card membership | Reward Dollars applied 8–12 weeks after you reach the $3,000 spend | Cashback / statement-credit reward | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Bilt Card | Palladium: within 90 days of account opening. Blue and Obsidian: no spend requirement | Welcome Bilt Cash typically posts at account opening; Palladium bonus points typically post within 6-8 weeks after meeting the spend requirement | Bilt Cash and conditional Palladium points | The applicant receives the applicable welcome offer; referral points for the inviter are separate. | 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 |
| Amex Blue Cash Everyday | Within the first 6 months of card membership | Reward Dollars applied 8–12 weeks after you reach the $2,000 spend | Cashback / statement-credit reward | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-17 |
| Discover it | Approval by December 31, 2026; purchase within 3 months of account opening | Discover says to allow up to 1-3 billing periods for referral statement credits to post | Statement credit and separate Cashback Match | The displayed newcomer benefit and any reward to the inviter have separate conditions. | 2026-10-11 |
Credit Card Referral & Refer-a-Friend Bonuses: common questions
What is the best credit card referral bonus right now?
Amex Platinum: Up to 175,000 Membership Rewards Points. To qualify: Get approved and accept the card with the welcome offer Amex shows you, then spend $12,000 on eligible purchases. Next: Amex Gold Card (Up to 100,000 Membership Rewards Points) and Chase Sapphire Reserve (100,000 Bonus Points).
Do credit card referrals use a code or a link?
Amex Platinum, Amex Gold Card, Chase Sapphire Reserve, Chase Sapphire Preferred, Capital One Venture X, Amex Blue Cash Preferred, Bilt Card, Chase Freedom Flex, Chase Freedom Unlimited, Amex Blue Cash Everyday and Discover it work from the referral link alone, with no code to enter.
How long do credit card referral bonuses take to arrive?
Amex Platinum: Within 8–12 weeks after you reach the $12,000 spend. Amex Gold Card: Within 8–12 weeks after you reach the $8,000 spend. Chase Sapphire Reserve: Allow 6 to 8 weeks after qualifying. Chase Sapphire Preferred: Allow 6 to 8 weeks after qualifying. Amex Blue Cash Preferred: Reward Dollars applied 8–12 weeks after you reach the $3,000 spend. Bilt Card: Welcome Bilt Cash typically posts at account opening; Palladium bonus points typically post within 6-8 weeks after meeting the spend requirement. Chase Freedom Flex: Allow 6 to 8 weeks after qualifying. Chase Freedom Unlimited: Allow 6 to 8 weeks after qualifying. Amex Blue Cash Everyday: Reward Dollars applied 8–12 weeks after you reach the $2,000 spend. Discover it: Discover says to allow up to 1-3 billing periods for referral statement credits to post. The other offers' terms don't state a timeframe.
How long do I have to qualify for a credit card referral bonus?
Amex Platinum: Within the first 6 months of card membership. Amex Gold Card: Within the first 6 months of card membership. Chase Sapphire Reserve: First 3 months from account opening. Chase Sapphire Preferred: First 3 months from account opening. Capital One Venture X: Within the first 3 months from account opening. Amex Blue Cash Preferred: Within the first 6 months of card membership. Bilt Card: Palladium: within 90 days of account opening. Blue and Obsidian: no spend requirement. Chase Freedom Flex: First 3 months from account opening. Chase Freedom Unlimited: First 3 months from account opening. Amex Blue Cash Everyday: Within the first 6 months of card membership. Discover it: Approval by December 31, 2026; purchase within 3 months of account opening.
Does the person who refers me get a credit card bonus too?
Amex Platinum, Amex Gold Card, Chase Sapphire Reserve, Chase Sapphire Preferred, Capital One Venture X, Amex Blue Cash Preferred, Chase Freedom Flex, Chase Freedom Unlimited, Amex Blue Cash Everyday and Discover it: the terms say both people can be rewarded. For Bilt Card, the terms don't state that both people are paid.
Which credit cards with a referral bonus have no annual fee?
Chase Freedom Flex ($250 Cash Back + 5% Rotating Categories), Chase Freedom Unlimited ($200 Cash Bonus (20,000 Points) with No Annual Fee), Amex Blue Cash Everyday (Up to $200 Cash Back) and Discover it (Statement Credit for You and Your Friend + First-Year Cashback Match). Check the issuer's current terms before applying.
What annual fee do these credit cards charge?
Amex Platinum: $895 annual fee. Amex Gold Card: $325 annual fee. Chase Sapphire Reserve: $795 annual fee, plus $195 for each authorized user. Chase Sapphire Preferred: $95 annual fee. Capital One Venture X: $395 annual fee. Amex Blue Cash Preferred: $0 intro annual fee for the first year, then $95. Bilt Card: Annual fees: Blue $0, Obsidian $95, Palladium $495. Chase Freedom Flex: No annual fee. Chase Freedom Unlimited: No annual fee. Amex Blue Cash Everyday: No annual fee. Discover it: No annual fee.
Which credit cards offer a referral bonus in travel rewards points or miles?
Amex Platinum (Up to 175,000 Membership Rewards Points), Amex Gold Card (Up to 100,000 Membership Rewards Points), Chase Sapphire Reserve (100,000 Bonus Points), Chase Sapphire Preferred (75,000 Bonus Points) and Capital One Venture X (75,000 Bonus Miles + $300 Travel Credit). Points and miles are worth different amounts depending on how you redeem them.
Are there secured cards with referral bonuses?
None of the 11 cards listed here is a secured card; each is a standard credit card that needs approval. A referral link doesn't change whether you're approved.
Can I check if I'm pre-qualified before using a credit card 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.
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 · Money Transfer Referral Codes · Send Money to India: Referral & Promo Codes · Bank Account Referral Bonuses · Chase Referral Links · Amex Referral Links · Capital One Referral Links.
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Latest offer check: 2026-10-17 by Vishva Variya. All referral codes