Refer a Friend

First, verify whether your credit card offers a referral program, as not all banks provide this benefit.

Log in to your credit card account through the issuer’s website or mobile app to access your unique referral link or code.

Often card companies send emails promoting referral offers with referral links.

Now, share your referral link with friends, family, or other contacts who might be interested in the same card. You can do this via email, text, or social media.

When someone uses your referral link to apply for a credit card, ensure they complete the application accurately to get approved.

Once the person you referred for the card is successfully approved, you become eligible for the referral bonus.

Your referral bonus will be credited to your account per the credit card’s terms and conditions.

These bonuses often come as points, miles, cash-back, or statement credits.

Chase offers several Refer a Friend Bonuses. A few of them are:

• When a friend gets a card_name, you can earn $100 in cashback rewards (An annual cap of $500 applies)
• You can earn 15,000 bonus points for every friend who gets the card_name (capped at 75,000 bonus points annually)
• You get 10,000 bonus points for every friend who gets the Chase Sapphire Reserve® (capped at 50,000 bonus points annually)
• Earn 20,000 bonus points for every friend who gets a Southwest Rapid Rewards® Plus Credit Card (capped at 100,000 annually).
• You will earn 10,000 bonus miles for a person who gets any card_name on your referral (capped at 100,000 annually)
• You earn 40,000 bonus points for each person who gets a Marriott Bonvoy® credit card (capped at 200,000 bonus points annually)

You can redeem the reward points as purchases via Amazon.com, gift cards, or statement credits.

You can also use them for travel directly via the Chase travel portal.

Another option is to transfer Chase Ultimate Rewards points 1:1 to airline and hotel programs like Marriott Rewards, World of Hyatt, Southwest Rapid Rewards, etc.

In Capital One Refer a Friend Program,If you qualify for any Capital One refer-a-friend program, you will get a personal referral link that you can share with any other person.

When they are approved, you get a bonus. Here are the detailed steps:

You need to sign into your account and then visit the “Refer a Friend” Page.

If you are a business credit card holder, you need to visit the “Refer a Business” page.

Then, you can share the link with your friends or colleagues, and they need to do the needful.

You will be eligible for a referral only if your account is in good standing and there are no missed payments or defaults on your credit card report.

Here are some of the eligible cards:

• When you refer someone to the card_name and their application is approved, you can enjoy a referral bonus ranging from $100 to $150, subject to a maximum of $500 per calendar year.
• With the card_name, you will earn 25,000 bonus miles for each referral that is approved. The cap is at 100,000 bonus miles per calendar year.
• The Capital One Spark Cash Plus and card_name can help you earn $200 for each referral that is approved. The total is $1,000 per calendar year.
• With the card_name and Capital One VentureOne Rewards Credit Card, you will get 10,000-20,000 bonus miles for each referral that is approved. Here, the cap is at 50,000 bonus miles per calendar year.
• After successfully referring individuals to either the card_name or Capital One Spark Miles Select for Business, you earn between 10,000-20,000 bonus miles for each approval, with an annual limit of 50,000 bonus miles.

The American Express refer-a-friend bonuses are available for many of the most popular travel and rewards credit cards.

You need to log in to your account to see which of these cards you are able to refer people to.

If you are eligible, you will see an individualized referral link on your online account management page.

The number of points that can be earned varies on the basis of the cards being referred and the ongoing bonus offers.

For instance, you can get a 15,000-point bonus for referring to card_name.

You can also earn double, up to 30,000 points.

Below are some of the existing Amex Refer a Friend bonus promotions available.

Please keep in mind that these offers are subject to change and may differ depending on the specific credit card.

Remember, when referring a friend to a co-branded credit card you don’t have, it still has to be in the same “family” of credit cards.

Credit card families are groups of cards that generally earn the same type of points.

So, all of the Hilton American Express cards are one family, whereas all of the Delta American Express cards are a separate family (and so on).

Suppose you have the card_name; you can refer someone to that card as well as any of the other Hilton Amex cards, including the Hilton Honors American Express Aspire Card.

But you couldn’t refer someone to the card_name because it’s in a separate family.

Let’s explore another fantastic referral program courtesy of CitiBank.

With this program, you can refer top cashback credit cards such as the card_name, card_name, and Citi® / AAdvantage® Executive World Elite Mastercard® to up to five of your closest friends annually. 

Once your friend’s application for the specific card is successfully approved, you can reap the rewards, earning either $100 or 10,000 bonus points.

To check if you qualify for the Citi Referral Bonus, just log in to your account.

As of now, credit card referral bonuses are not offered by Bank of America. However, this may change in the future.

To refer a friend for a credit card, log in to your credit card issuer’s online portal or mobile app and look for the referral section.

You’ll find a unique referral link; share that via email, social media, or direct messaging.

Yes, you can refer a friend for a credit card and earn benefits if they are approved.

Often, a credit card referral bonus is offered to both of you.

When you refer someone to a credit card, you usually receive a referral bonus, in the form of cash, points, miles, or other rewards, depending on the credit card’s terms and conditions.

The Refer a Friend Program is a marketing initiative many credit card companies offer.

It allows existing cardholders to refer friends or family members to apply for the same credit card, resulting in rewards or bonuses for both the referrer and the referred person if their application is approved.

A referral bonus is a reward or benefit offered to individuals who refer someone to apply for a credit card.
If the referred person’s application is approved and they meet certain requirements, both the referrer and the referred person receive the bonus.

Generally, existing credit cardholders are eligible to refer friends to apply for the same credit card through a referral program.
Although, the eligibility criteria may vary depending on the specific credit card and the terms of the referral program.

After you send a referral, you need to wait and see whether your friend’s credit card request was approved.
Once it does, your referral bonus shows up in your account automatically.

To maximize your referral bonus, you must include a personalized message explaining the benefits of the credit card, your unique referral link, and any details about the referral offer, like bonus points or cashback.

The bonuses vary from one card to another. For example, you can earn 40,000 bonus points for each person who gets approved for a Marriott Bonvoy credit card.

It is capped at 200,000 bonus points annually.