Credit Card Referral Bonus: How to Earn Rewards

While there are endless ways to earn credit card points, miles, and cashbacks like spending on your cards.

Another great way to earn and maximize rewards quickly is through refer-a-friend bonus programs offered by almost every credit card issuer.

The Credit Card referral bonus is loved by all, thanks to the generous offers and easy referral process that varies from bank to bank.

With a credit card referral program, the cardholder enjoys a specific amount of rewards as an incentive for successfully recommending a friend to apply for the card.

You earn the bonus once your friend gets approved for a card, though there are caps in terms of how many referral bonuses you can get in a year.

This guide will help you maximize cashbacks, points, and miles effortlessly from credit card referral programs and what you should expect from each card.

Chase Refer a Friend

You can refer up to 10 referral bonuses per calendar year to your friends and family for a range of Chase Credit Cards annually.

After you send your friends a link via text or email, a little nudging or follow-up would not hurt much.

How to refer Chase credit card?

Log in to your Chase account
Navigate to the Chase Refer a Friend section
Copy and share your unique referral link.

So do not wait up! Click ‘Invite Friends Now’ to avail Chase Referral Bonus from the cards you know and love! Remember, you must carry the credit card you wish to refer to your friends or family. Some lucrative Chase Referral Offers include:

This program is a win-win, as both the referrer and the new cardholder can benefit. Here are details for the refer-a-friend program for a few Chase cards:

Chase Credit Cards	Referral Bonus Details
Chase Freedom Flex® card_name	$50 cash back for each friend who gets approved. Earn up to $500 cash back per year.
card_name	15,000 bonus points for each friend who gets approved. Earn up to 75,000 bonus points per year.
Chase Sapphire Reserve®	10,000 bonus points for each friend who gets approved. Earn up to 50,000 bonus points per year.
Southwest Rapid Rewards® Plus Credit Card Southwest Rapid Rewards® Priority Credit Card Southwest Rapid Rewards® Premier Credit Card Southwest® Rapid Rewards® Performance Business Credit Card	20,000 bonus points for each friend who gets approved. Earn up to 100k bonus points per year.
card_name card_name United Quest℠ Card card_name card_name	10,000 bonus miles for each friend who gets approved. Earn up to 100K bonus miles per year.
Any Marriott Bonvoy credit card	40,000 Bonus Points for each friend who gets approved. Earn up to 200,000 Bonus Points per year.
Disney® Visa® Card	100 Disney Rewards Dollars for each friend (up to 5). Earn up to 500 Disney Rewards Dollars per year.
card_name Ink Business Unlimited® Credit Card card_name Ink Business Premier® Credit Card	40,000 points for each business that gets approved. Earn up to 200,000 points per year.
World of Hyatt Business Credit Card	5,000 Bonus Points for each business owner who gets approved. Earn up to 25K Bonus Points per year.

Benefits of the Chase Refer a Friend program include the opportunity to accumulate additional rewards points or cash back, boosting the value of your Chase credit card.

Referrers can maximize their reward potential by encouraging friends and family to apply for these cards, while the new cardholders can enjoy the perks and benefits that come with their newly acquired Chase credit card.

The rewards earned through the Chase Referral program offer versatile redemption options, providing the flexibility to use their points in various ways.

These reward points can be redeemed for purchases on Amazon.com, utilized for gift cards, or applied as statement credits.

Image Credit- Chase Credit Cards

Additionally, cardholders have the option to use their points directly for travel through the Chase travel portal.

Another enticing choice is to transfer Chase Ultimate Rewards points at a 1:1 ratio to prominent airline and hotel programs such as Marriott Rewards, World of Hyatt, Southwest Rapid Rewards, and more, enhancing the overall value and utility of the earned rewards.

American Express Refer a Friend

If you are an Amex cardholder, you may find it exciting to know that the American Express Referral System has been updated.

You or your friends can pick any Amex card from the wide range of best rewarding credit cards.

It allows you to earn a bonus, even by referring to a card you don’t own.

For Example– Your friend travels for work more often, so you could introduce him to the card_name, even if you don’t carry this card. In addition, one can earn a referral bonus from not just the card one refers to a friend, but any card his friend is approved for.

When AmEx cardholders refer to others, both the referrer and the recipient enjoy significant flexibility, although the options may vary.

When you refer an individual with an AmEx card that accrues cash back or Membership Rewards, like the card_name or card_name, the recipient can choose from a wide range of personal or business AmEx credit cards.

However, if the referrer holds a co-branded AmEx card associated with a specific airline or hotel chain, such as the card_name, the recipient’s choices become more restricted.

In this scenario, they can exclusively apply for another co-branded card within the same family.

For instance, if someone refers you to a Hilton card, your application options are limited to personal or business Hilton cards.

How to refer Amex card?

From the Amex app:

Navigate to the “Membership” tab
Select “Refer a Friend” under “Earn More,”
Choose the preferred communication method, be it text message or email.

On the Amex website:

Login to your Amex account
Click the blue “Refer Now” button on the account homepage
Input your friend’s name and email, and let American Express automatically send the referral offer.

The American Express (Amex) Refer a Friend program varies based on the specific Amex card, and the details may change over time.

The eligibility is contingent upon factors such as creditworthiness and account history with American Express. Here are details for the refer-a-friend program for a few Amex cards:

Amex Credit Card	Referral Bonus Details
card_name	Earn 15,000 Membership Rewards points each time a friend gets approved. Up to 100,000 points per calendar year.
card_name	Earn 10,000 Membership Rewards points each time a friend gets approved. Up to 55,000 points per calendar year.
card_name	Earn 10,000 Membership Rewards points each time a friend gets approved. Up to 100,000 points per calendar year.
card_name card_name Cash® Magnet Card	Up to $1,000 in statement credits per calendar year.
card_name	Earn 20,000 Hilton Honors points each time a friend gets approved. Up to 140,000 points per calendar year.
card_name card_name card_name	Up to 100,000 Delta Bonus Miles per calendar year.
card_name	Earn 20,000 Marriott Bonvoy points each time a friend gets approved. Up to 55,000 points per calendar year.

Image Credit- American Express Credit Cards

Enjoy the benefits of receiving referrals by exploring enticing welcome offers as the recipient.

You have the opportunity to unlock bonus rewards, such as $250 cash back, simply by meeting spending requirements, like spending $3,000 within the initial six months of account opening.

By encouraging friends and family to apply for Amex cards through your referral link, you and your referred friends can enjoy the unique perks and benefits associated with these cards.

It’s a convenient and rewarding way for Amex cardholders to share the advantages of their favorite credit cards with others.

The referral bonus is only granted if the recipient applies and gets approved for a card through the provided referral link.

It’s essential to utilize the American Express email tool for sending the referral link; using personal or work email accounts may disqualify the bonus.

Citi Credit Card Refer a Friend

Let’s talk about another excellent referral program offered by CitiBank. You can refer the high cashback credit cards like- card_name, card_name, and Citi® / AAdvantage® Platinum Select® World Elite Mastercard® to five of your best friends in a year.

The Citi program helps you earn $100 or 10,000 bonus points once your friend gets approved for the respective card. Log In to your account to check if you are eligible for the Citi Referral Bonus.

How to refer Citi credit card?

Log in to your Citi account
Go to the Citi Referral Program section
Copy and share your unique referral link.

Citi Credit Card	Referral Bonus Details
card_name	Earn $100 cash bonus for each friend approved Maximum $500 per year.
card_name	Earn 10,000 ThankYou Points for each friend approved Maximum 50,000 ThankYou Points per year.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®	Earn 10,000 American Airlines Miles for each friend approved Maximum 50,000 American Airlines Miles per year.

Image Credit- Citibank Credit Cards

Citi employs targeted promotional campaigns, predominantly distributed through email and postal mail for promoting specific credit card offerings.

These campaigns aim to incentivize potential cardholders by highlighting unique benefits, rewards, and referral bonuses associated with Citi’s credit card products.

The perks of the Citi Refer a Friend program include accumulating additional Citi ThankYou Points, cash back, or airline miles.

To stay informed about these targeted promotions and discover more about the referral bonuses and features tied to Citi’s various credit cards, individuals are encouraged to check their email communications and postal mail for these tailored campaigns from Citi.

Capital One Refer a Friend

Capital One runs targeted referral programs for various cards. Capital One sends emails to the cardholders, offering cash backs or miles incentives for referring to a friend. It is quickly catching up with its peers- American Express and Chase.

Make sure your credit card is in good standing, you don’t miss your payments, etc., to be eligible for the program. To earn your Capital One Referral Bonus, share your unique referral link with your friends and family today.

How to refer Capital One?

Within the app, navigate to the “Special Offers” tile
Access the “Refer to earn rewards” section
Click on “Get referral link” to obtain a unique referral link
This link can be easily shared via email, social media platforms, or text messages.

On the Capital One website,

Login to your Capital One account
Access the refer-a-friend section
Copy and share your unique referral link.

Capital One places restrictions on the maximum cash back or miles that can be earned through a single referral and on an annual basis.

It’s important to note that the specific amount per referral may vary among cardholders and may change over time. Here are details for the Capital One Referral Bonus program:

Capital One Credit Card	Referral Bonus Limits
card_name	Up to 25,000 bonus miles per referral Maximum 100,000 miles per year.
card_name	Up to 20,000 bonus miles per referral Maximum 50,000 miles per year.
Capital One VentureOne Rewards Credit Card	Up to 10,000 bonus miles per referral Maximum 50,000 miles per year.
card_name	Up to $150 per referral Maximum $500 per year.
Capital One QuicksilverOne Cash Rewards Credit Card	Up to $100 per referral Maximum $500 per year.
card_name	Up to $100 per referral Maximum $500 per year.
card_name	Up to $150 per referral Maximum $500 per year.
Capital One SavorOne Student Cash Rewards Credit Card Capital One Quicksilver Student Cash Rewards Credit Card	Up to $100 per referral Maximum $500 per year.
Capital One Platinum Credit Card	Up to $100 per referral Maximum $500 per year.
card_name Capital One Quicksilver Secured Cash Rewards Credit Card	Up to $50 per referral Maximum $500 per year.
card_name card_name	Up to $200 per referral Maximum $1,000 per year.
card_name card_name	Up to $100 per referral Maximum $500 per year.

Image Credit- Capital One Credit Cards

Benefits of the Capital One Refer a Friend program include the opportunity to earn valuable Capital One Miles or cash back useful for your next trip, thereby enhancing the overall value of your Capital One credit card.

It’s an excellent way for Capital One cardholders to share the advantages of their preferred credit cards and maximize the overall benefits.

Bottom line

Credit card referral bonuses are a quick and easy way to rack up on more points, miles, and cashbacks without spending any more.

If you have the rewards credit card you love, why not earn extra by sharing it with your friends and family?

You can also unlock an array of valuable rewards with the Uthrive App. It helps you maximize credit card rewards with everyday purchases, so you don’t miss your bonus. Uthrive’s innovative approach notifies you of the best card and offers for your spending.

Uthrive also has a refer-a-friend program! You can earn a $25 Gift Card to save at Amazon, Starbucks, Dunkin Donuts, and more, and bless your friends’ lives with one of the best credit card management apps. Refer and earn now!