All About Credit Card Referral Bonuses


Are you looking for ways to increase your credit card points or miles for more free or nearly free travel? Our first way of getting credit card points is through signing up for new credit cards and getting that signup bonus. Using our credit cards instead of using cash or checks also keeps our point balances increasing. Another way to increase your points/miles is through credit card referral bonuses. Let’s talk all about credit card referral bonuses today!

Often, you can get anywhere from 5,000-30,000 points/miles by referring someone to your credit card. It could be a spouse, relative, friend – anyone!

We absolutely love it when you don’t have a link to a credit card that you want to apply for, and you use our link. Thank you so much to everyone who does that! After that, you should use your link to refer other people.


Finding a Referral Link

Chase Credit Cards

The simplest way to find your referral links to Chase credit cards is to go to their refer a friend page. Here you will input your last name, zip code, and last four numbers of the card you want to refer a person to.


Chase Refer a Friend Page


Not all Chase cards have a referral link to them. For example, the Sapphire Reserve is not part of a referral program. The Sapphire Preferred, on the other hand, is. One thing to keep in mind is when you refer someone to a Chase card you oftentimes will be referring them to a family of cards. For example, if you have a United Explorer card, you can refer someone to any Chase United card from your referral link. This is the same for Chase Ink Business cards, Freedom cards, Southwest cards, and more.

After you pull up your unique referral link, you will copy your link and send it to the person you are referring it to, and they can pick what card they want. You will get a referral bonus if they apply and are approved for a card.


Chase Credit Card referral page


In this instance, I picked my United Explorer credit card, but you can put the last four numbers for any Chase credit card you have to get your referral link. Just be sure and let them know that they will be directed to a page that shows several credit cards, and they can pick the one that works for them.


American Express Credit Cards

To find your American Express referral link, you can go to this webpage and fill in the correct information for the card you want to refer from. You can also log into your American Express account for the card you want to refer to. On the home page, scroll down until you see the refer a friend tab. You will have different referral amounts for different cards. In this example, I picked the American Express Gold card to refer a friend to.


American Express refer a friend screenshot


Once you hit the “refer now” button, you will go to another page. Scroll down till you see the following, and you can choose to send them an email with a link or message them a link.


American Express credit card referral screenshot


What’s great about the Amex referral program is that you can refer to many cards besides the one you have. If you have a Hilton card, you can refer to all the other Hilton cards, but if you have an Amex Gold card, for example, you can refer to any Amex credit card!


Additional Referral Programs

Our main source of credit card referral bonuses is through Chase and Amex cards, but here are a few more:


It can be a little confusing initially, but it gets easier each time you do it. Credit card referral bonuses are a great way to increase your points/miles. It’s pretty exciting when you see this in your account:


Thanks for referring friend screenshot


Referral Limits

It’s important to note that there is a limit on the number of people you can refer to each year. Usually, this is around 3-5 referrals a year, or it will be based on the max number of referral points you can earn in one year. Each January, this resets. Another thing to be aware of is you can’t refer yourself to cards.


Finding People to Refer To

The easiest person to refer would be your spouse or partner. If you have a player 2 involved in this with you, then we always recommend signing up for a card and referring them to it. In doing this, you’ll get a referral bonus and the signup bonus two times! A great way to get friends and relatives to use your referral links is to tell them how you’ve been saving money with points/miles or invite them on a trip with you and split the points for those hotel nights!

At first, your friends and family might not understand how all these points and miles work. If you don’t feel comfortable telling them how to do it, you can recommend that they take our course and refer them to our blog, Instagram, and/or Facebook pages.


Bottom Line

Credit card referral bonuses are a great way to increase your points and miles balances. We certainly appreciate all of you who use our links and then encourage you to share your links with your close contacts.




Hand holding credit cards

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