Whether you're out for dinner with friends or scrolling through the comments on your latest Instagram post, I'm sure you've been asked … how can you afford to travel so much? Like many savvy travelers, you likely have one of Chase's flagship Sapphire Cards in your wallet and are using the Chase Ultimate Rewards points you earn with the card to book flights or hotels for free (or nearly free).
If your friends and family want to do the same, they can apply for a Chase Sapphire card through your referral link, and if they get approved, you'll earn some bonus Chase points to fuel your adventures. With Chase's Refer-a-Friend program, you can earn 15,000 Ultimate Rewards points per successful referral, up to 75,000 points per year.
Up until recently, your friend would have needed to get the same Chase Sapphire card that you have for you to earn that referral bonus. But thanks to a recent change, that's no longer the case. As first reported by Travel on Points, now you can refer friends or family to either the *chase sapphire preferred* or the *chase sapphire reserve* regardless of which card you hold, and you'll still earn a referral bonus.
This change means that your friend, who's just getting started, can pick up the lower-cost Sapphire Preferred, while you continue to carry the more premium Sapphire Reserve for the extra travel perks. Or perhaps, you have the Sapphire Preferred but your friend really wants access to the Chase Sapphire Lounges and the Reserve Card's annual $300 travel credit. No matter how you look at it, this change is good for Chase Sapphire cardholders and will make earning extra Chase points through referrals much easier going forward.
Read more: Is the Chase Sapphire Preferred or Reserve Card Best for You?
But remember: Credit cards are serious business. Someone should never apply for a credit card if they're already in debt, and never charge more to a credit card than than can afford to pay off immediately. However many points and miles they can earn, they're not worth it.
How to ‘Refer a Friend' With Chase
Finding your personal referral link is fairly simple. All you need to do is head to Chase's referral page and find the type of card that you have. You'll then be prompted to enter your last name, ZIP code, and the last four digits of your card number.
This will then bring you to a page that generates a personal referral link that you can share with family and friends. When using your link, they can apply for either the *chase sapphire preferred* or the *chase sapphire reserve*, depending on which one suits them best.
You can also access your personal referral link when logged into your Chase account on the mobile app or the desktop version of the site. If you're using the mobile app you'll need to click on your card and then scroll down to the bottom, past your recent transactions, where you'll find Chase offers, access to your Credit Journey, and the option to “refer friends.”
If you're logged into your account on Chase's website, you'll want to click on the specific card you're referring from and then navigate to the “more” tab and select “refer a friend” listed under “account services.”
A lot of Chase's cards have some sort of referral offer so even though this most recent enhancement applies to the Sapphire Cards, it's worth checking the Chase “Refer-a-Friend” page to see if your other cards are eligible as well. It's long been possible to refer from the Chase Freedom Flex℠ to the *freedom unlimited*, or even within the Chase Ink family of cards, so this is a very welcome change for the popular Sapphire Cards.
Bottom Line
Referral bonuses are a great way to earn a big stash of points beyond the card's initial welcome offer and your ongoing spending. With this recent enhancement, Chase has made referring friends and family to either the Chase Sapphire Preferred or Reserve easier (and more lucrative) than ever.
is there any security risk to sharing my referral link on my social feed?