Chase has a referral program that pays you and the person you refer when they open certain checking accounts
Chase's referral program works like this: you send a unique link or code to someone you know, they open a may have access to Chase checking account using that link, and both of you receive a cash bonus once they meet the account requirements. The bonus amount changes depending on which account they open and what Chase is currently offering. You do not need to be a Chase customer to refer someone, but the person you refer must be new to Chase or have closed their account at least 60 days before opening a new one.
The referral link is personal to you and tracks who signed up through your code. Chase sends the bonus to your account once the new customer completes the steps—usually opening the account and making a direct deposit or a certain number of debit card transactions within a set timeframe, typically 60 to 90 days.
Key Takeaways
- You can find your personal referral link in the Chase mobile app or on Chase.com by logging into your account and looking for the "Refer a Friend" or "Rewards" section.
- The person you refer must be new to Chase or have closed their previous Chase account at least 60 days before opening the new one.
- Both you and the referred person receive a bonus only after they open the account and complete the requirements, which usually include a direct deposit or debit card purchases within 60 to 90 days.
- You can refer as many people as you want, but Chase may limit the number of bonuses you can earn per calendar year.
- The bonus amount varies by account type and current promotion, so check your referral link to see what the current offer is.
Finding your referral link in the Chase app or online
Log into your Chase account on the Chase mobile app or at Chase.com. Look for a section labeled "Refer a Friend," "Rewards," "Offers," or "Promotions"—the exact name varies depending on your account type and whether you use the app or website. Tap or click on it to see your unique referral link or code.
The link will look something like a long URL with your account identifier embedded in it. You can copy this link and send it directly to someone via text, email, or any messaging app. Some versions of the program also give you a code you can share instead of a link. Both work the same way—the person you refer enters the code or clicks the link when they sign up, and Chase tracks that they came from you.
If you cannot find the referral section in your app or online account, call Chase customer service at the number on the back of your card. They can tell you whether your account is enrolled in the referral program and provide your link if it is not visible in your account.
What the person you refer needs to do
The person you refer should click your link or enter your code when they start the account opening process on Chase.com or in the Chase app. They will need to provide their name, address, Social Security number, and other standard information to open a checking account. Chase will verify their identity and check their banking history to make sure they are new to Chase or meet the 60-day closure requirement.
After opening the account, they must complete the bonus requirements within the timeframe Chase specifies—usually 60 to 90 days. These requirements typically include receiving a direct deposit of at least a certain amount (often $500 or more) or making a set number of debit card purchases (often 10 or more). The exact requirements depend on which checking account they open and what promotion is running at the time.
Once they complete the requirements, Chase deposits the bonus into their new account. Your bonus arrives separately into your account, usually within a few business days after theirs posts.
Bonus amounts and current offers
Chase changes its referral bonus amounts regularly, so the amount you and the referred person receive depends on when they open the account and which checking product they choose. Some promotions offer $50 to $100 per referral, while others may be higher or lower. You can see the current bonus amount by looking at your referral link in your account—it will display what you and the referred person will earn if they complete the requirements.
Chase also limits how many bonuses you can earn per calendar year through referrals. This limit varies and may change, so check your account or ask customer service what the current cap is. If you have already hit the limit for the year, you can still share your link, but you will not receive a bonus until the new calendar year begins.
Who can be referred and who cannot
The person you refer must either have never had a Chase checking account or have closed their previous Chase account at least 60 days before opening the new one. Chase checks this when they apply, so if they opened a Chase account within the last 60 days, they will not be able to use your referral link and neither of you will receive a bonus.
Some accounts or customer types may not be may be able to access to refer or to be referred. For example, if you have a business checking account, you may only be able to refer other business customers, or the program may not apply to business accounts at all. Check the terms of your specific account or call Chase to confirm whether your account can participate in referrals.
What happens if something goes wrong
If the person you refer opens the account but does not complete the bonus requirements within the timeframe, neither of you will receive a bonus. The account stays open and active—they just do not get the cash reward. They can still use the account normally and may be able to earn other Chase bonuses later.
If you do not see your bonus appear after the referred person completes the requirements, wait a few business days. Bonuses sometimes post with a slight delay. If more than a week has passed and the bonus has not arrived, contact Chase customer service with the name and account details of the person you referred. They can look up whether the referral was tracked correctly and investigate why the bonus did not post.
If the referred person's account is closed or they dispute the transaction, Chase may reverse the bonus. This is rare, but it can happen if Chase discovers fraud or if the account was opened under false pretenses.
Sharing your referral link safely
Your referral link contains your account information encoded in it, so treat it like you would treat your account number. Do not post it publicly on social media or forums where strangers can see it. Share it only with people you actually know and trust. If you post it publicly, someone could use it to open an account and claim your bonus, or scammers could use it to target people who click on it.
If you think your referral link has been compromised or misused, contact Chase right away. They can disable the link and issue you a new one. You can also change your referral settings in your account to turn off the program temporarily if you do not want to refer anyone for a while.
Frequently Asked Questions
Can I refer someone who already has a Chase account?
No. The person you refer must be new to Chase or have closed their previous Chase account at least 60 days before opening a new one. If they have an active Chase account, the referral will not work and neither of you will receive a bonus.
How long does it take to get the bonus after someone opens an account?
The bonus arrives after the referred person completes the account requirements, which usually take 60 to 90 days. Once they meet those requirements, Chase deposits both bonuses within a few business days. The total time from referral to bonus is typically 2 to 4 months.
Can I refer someone if I do not have a Chase checking account?
Most Chase referral programs require you to have an active Chase checking account to refer others. If you have a savings account or credit card only, you may not be able to participate. Contact Chase to confirm whether your account type is may be able to access.
What if the person I refer does not meet the bonus requirements?
If they do not complete the requirements within the timeframe, neither of you receives a bonus. The account stays open and active—they just miss out on the cash reward. They can still use the account normally.
Is there a limit to how many people I can refer?
You can refer as many people as you want, but Chase limits the number of bonuses you can earn per calendar year. This limit varies, so check your account or call Chase to find out what the current cap is for your account type.