All About Credit Card Referral Bonuses

Pam

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 often times 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, the Freedom cards, Southwest cards, and more.

Here is my Freedom Flex referral link, if you click on it you will see that there is the option to get the Freedom Flex or the Freedom Unlimited. This is great because you can open one, refer your spouse to the other, then they can refer you to the one you don’t have, and so forth!

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 really great about the Amex referral program is 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 at first 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 a 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 then referring them to it as well. 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 this points and miles stuff works. If you don’t feel comfortable telling them how to do it, you can recommend that they take our beginning travel hacking course, 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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