Chase simply made it extra profitable to refer your pals to the Chase Sapphire Most well-liked® Card (see charges and costs) and the Chase Sapphire Reserve® (see charges and costs). In the event you’re an present Chase Sapphire Most well-liked Card or Chase Sapphire Reserve cardholder, you may earn 10,000 bonus factors for each accepted applicant — as much as 100,000 factors complete from referral bonuses in a calendar yr. (Beforehand, you could possibly earn 15,000 factors per referral, however the complete factors restrict was set at 75,000 factors.) Due to Upgraded Factors for first breaking the information. These factors are value $205 per authorized applicant, primarily based on TPG’s April 2025 valuations.
Chase has streamlined the referral course of, now providing a consolidated web page on each its web site and its cell app that means that you can generate referral hyperlinks for all eligible Chase bank cards in a single place. All it is advisable to do is observe this hyperlink and log in to begin creating referral hyperlinks. In the event you maintain a couple of Chase bank card, merely go to the drop-down checklist on the highest left and choose which card you’d wish to generate a referral for.
Associated: Earn rewards with Chase’s Refer-A-Good friend program
As of this story’s publication, new cardholders of the Chase Sapphire Most well-liked can earn 100,000 bonus factors after spending $5,000 on purchases throughout the first three months of account opening. In the meantime, those that apply for the Chase Sapphire Reserve can earn 60,000 bonus factors after spending $5,000 on purchases throughout the first three months of account opening. These welcome bonuses are value $2,050 for the Chase Sapphire Most well-liked and $1,230 for the Chase Sapphire Reserve, respectively, in line with TPG’s April 2025 valuations.
Past the welcome bonus, there’s unbelievable long-term worth in having both of those playing cards.
The $95-per-year Chase Sapphire Most well-liked Card is among the greatest — if not the perfect — journey rewards playing cards for newcomers and consultants alike, providing bonus factors on broadly outlined classes like journey and eating that will help you ebook your subsequent free journey quicker. As for the extra premium Chase Sapphire Reserve, it gives extra travel-related perks, together with a versatile $300 journey credit score, a World Entry or TSA PreCheck payment credit score and Precedence Move lounge entry.
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With beneficiant incomes charges and the power to redeem a number of the most useful factors round, these playing cards may be keepers for the lengthy haul. In the event you assume one among them could be a great match on your family and friends, you’ll want to ship them your referral hyperlink to nab as much as 100,000 further Chase Final Rewards factors.
Associated: Who’re the Chase Final Rewards switch companions? Redeem your factors with airways and motels
Backside line
Chase has decreased the quantity of factors you may earn per particular person Chase Sapphire Most well-liked Card and Chase Sapphire Reserve referral to 10,000 factors as a substitute of 15,000 factors. Nevertheless, with this variation, the issuer has additionally elevated the restrict on what number of factors you may earn yearly by way of referrals to 100,000 factors — up from 75,000 factors. Which means in case you’re in a position to meet this threshold, you may earn an extra 25,000 factors by way of referrals every year.
