Earn up to $500 a year when you refer a friend to these cards

Credit card referral bonuses

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If you’re looking for alternative ways to earn rewards or bonuses from your credit card – and you’ve already exhausted your sign-up bonus, maximized your rewards earning potential and taken advantage of your card’s limited-time promotions – referral bonuses may be your answer.

Discover, Chase and American Express all offer opportunities to earn cash and rewards bonuses when you refer a friend who is approved for one of their card products. Read on to see what offers are currently available.

The Chase Refer-a-Friend program

Through the Chase referral program, cardholders have the potential to earn up to 100,000 bonus points or $500 cash back each year when they invite friends to carry a Chase card. If you have one of the following Chase cards, you can refer friends using a personalized referral link, or via Facebook, Twitter or email. Here are the details:

To participate in the referral program, enter your last name, zip code and last four digits of your credit card on Chase’s Refer-a-Friend page. On the following page, you will enter the first name and email address of each person you wish to invite. You also have the option to post an invitation link to Facebook or Twitter or refer friends through the Chase app.

The Discover Refer-a-Friend program

Discover lets you and your friend benefit from its Refer-a Friend program. When you refer a friend who becomes a Discover card member, both you and your referral will receive $50. Here are the details:

  • If you refer a friend – using your referral link – who is approved by Dec. 31, 2018, you will receive a $50 statement credit. You can receive a maximum of 10 referral bonuses per calendar year, for a total of $500 in statement credits.
  • Your referrals will receive a $50 statement credit when they apply for the Discover card using your referral link, are approved for the card and make their first purchase within the first three months of card membership.

To receive your personalized referral link, log in to your Discover account here. Note, the following cards are not eligible to participate in the referral program: Discover Business card, Discover Business Miles card, Essential by Discover card, Escape by Discover card and Miles by Discover card. 

The American Express Refer-a-Friend program

If you currently have one of the following AmEx cards, you may be eligible for the American Express referral program:

To see if you are eligible to participate in the referral program, log in to your American Express account here. Note that referral bonuses are only available for the primary account holder, and not additional card members.

The Citibank Refer-a-Friend program

While Citibank does offer a referral program in select countries, such as the Philippines, the program is not currently available in the U.S.

See related: Etiquette guide for 'refer-a-friend' credit card programs, Credit card special offers, limited-time promotions

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy


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Updated: 09-24-2018