Current Credit Card Referral Offers

More and more credit card issuers are allowing their current cardholders to refer friends and family to specific credit cards. As an incentive the card issuing company offers those doing the referring a bonus for each person that is approved for the card (usually they need to make one purchase as well). I thought I’d be a good idea to list all of the current credit cards that earn referral bonuses, what that bonus is and what the sign up bonus is for the people being referred.

This site does not have credit card affiliate links, we also don’t use our own referral links. We will allow you to share your referral links in the comments, however you must be letting us know about a referral offer that is not listed below. If you’re not letting us know about a referral offer that is not listed below, we will delete your comment if it contains a referral link. This way you’ll be rewarded for providing useful information and this page can continue to grow.

We’d also like to remind readers that they should be letting their friends and family (or whoever they refer) know about the highest sign up bonus, not just the one that pays them a commission. Before applying for any offer, we recommend checking to see if you’ve got any targeted offers that are higher than normal, you can see how to do this for each card issuer here.

[Read: How To Find The Highest Sign Up Bonus On A Credit Card]

In general the rule seems to be that people doing the referring will get $50 or 5,000 in points/miles depending on what the card is. The person getting referred will get whatever the public sign up bonus is.

American Express

You can refer a maximum of eleven people per year per card per calendar year. If you want to see what cards you can refer people to, then log in here. It seems as if only one refer a friend offer is listed if you log in with your account details, try logging in using your card details for each card to see if you have more than one offer. Click this link to see what cards American Express says have referral bonuses (note, it does miss one or two).

• AmEx EveryDay
  • Referrer receives 5,000 Membership Rewards points for anybody they refer that is approved
  • Referred receives 10,000 Membership Rewards points after they spend $1,000 or more within the first three months of card membership. Also one year of Amazon Prime for free
• AmEx EveryDay Preferred
  • Referrer receives 5,000 Membership Rewards points for anybody they refer that is approved
  • Referred receives 15,000 Membership rewards points after they spend $1,000 or more within the first three months of card membership. Also one year of Amazon prime for free
• Blue Cash Everyday 
  • Referrer receives $50 for anybody they refer that is approved
  • Referred receives $100 cash back when they spend $1,000 or more within three months of account opening (public offer is $50 + Amazon prime for one year)
• Blue Cash Preferred 
  • Referrer receives $50 for anybody they refer that is approved
  • Referred receives $150 cash when they spend $1,000 or more within three months and one year of Amazon prime for free
• Gold Delta SkyMiles
  • Referrer receives 5,000 SkyMiles for anybody they refer that is approved
  • Referred receives 30,000 Skymiles after they make $1,000 or more in purchases within the first three months and $50 statement credit after you make your first purchase with Delta within the first three months of account opening
• Platinum Card 
  • Referrer receives 5,000 Membership Rewards points for anybody they refer that is approved
  • Referred receives 40,000 Membership rewards points after they spend $3,000 or more in three months
• Platinum Delta SkyMiles
  • Referrer receives 5,000 SkyMiles
  • Referred receives 35,000 SkyMiles & 5,000 MQM’s if they spend $1,000 or more within three months
• Premier Rewards Gold Card
  • Referrer receives 5,000 Membership Rewards points for anybody they refer that is approved
  • Referred receives 25,000 Membership Rewards points after they spend $2,000 or more within three months of account opening
• Starwood Preferred Guest
  • Referrer receives 5,000 SPG points for anybody they refer that is approved
  • Referred receives 10,000 SPG points after first purchase and another 15,000 SPG if they spend $5,000 or more within six months of account opening

Bank of America

No longer seems to offer referral bonuses to their card members. In the past they’ve offered 5,000 miles per sign up.

Capital One

Capital One started offering referral bonuses in 2019.

Chase

To see what referral offers you have for Chase click here. Then enter your last name, zip code and the last four digits on the card you want to check for. Often the Chase referral offers will stay at a higher rate than their public counterparts.

• Chase Disney
  • Refer gets 50 Disney rewards points/$50 Disney gift card
  • Referred gets $200 Disney gift card after you spend $500 or more within three month of account opening (usually only $50)
• Chase Freedom
  • Referrer gets a 5,000 point bonus after the person they refer is approved and makes their first purchase
  • Referred gets the public $200/$225 after you spend $500 or more within three months of account opening
• Chase Sapphire Preferred
  • Referrer gets a 5,000 point bonus after the person they refer is approved and makes their first purchase
  • Referred gets 40,000 points (+5,000 points when you add an authorized user and they make a purchase) after you spend $4,000 or more
• Chase Southwest Rapid Rewards Premier & Plus Cards:
  • Referrer gets 5,000 point bonus after the person they refer is approved and makes their first purchase.
  • Person getting referred receives a sign up bonus of 50,000 points when they spend $2,000 or more in purchases within the first three months. Rest of the card benefits & fees are the same.
• Chase United:
  • Referrer gets 5,000 points after the person they refer is approved and makes their first purchase
  • Referred gets 30,000 points after they spend $2,000 or more within three months of approval. It’s possible to get 55,000 miles + $50 statement credit currently.

Citi

You used to be able to get points/cash for referring friends by using this link.

Discover

To refer friends & family go to the official referral page on the Discover website. You can refer up to 10 people per calendar year.

• Discover it
  • Referrer gets $50
  • Referred gets $50 (note that the public sign up bonus is currently $150 after you spend $750 or more) after their first purchase

U.S Bank

U.S bank has a different referral page for each card, we’ve listed these along with the regular details. There doesn’t seem to be a limit to the amount of people you can refer. U.S bank may report your referrals as income, in reality I’m not sure if this happens or not. Unfortunately it also doesn’t look like you can refer people to the Club Carlson cards anymore, although the official referral page is still up.

• AeroMexico click here to friend to refer, referrer will get 5,000 miles per person being referred.
  • AeroMexico Visa Signature Card will get 20,000 points after first purchase
  • AeroMexico Visa Card will get 15,000 points after first purchase
  • AeroMexico Visa Secured get 5,000 points after first purchase
• FlexPerks visa cards,click to refer, referrer will get 5,000 points per person being referred. This sometimes goes up to 10,000 points
  • FlexPerks Travel Rewards Visa Signature referred will get 20,000 points after $3,500 in purchases within three months of account opening
  • FlexPerks Select Rewards Visa will get 10,000 points after $1,000 in purchases within three months of account opening
• LANPASS click to refer, referrer will get 5,000 miles per person being referred
  • LANPASS Visa Signature Card 20,000 miles after first use
  • LANPASS Visa Card benefits 15,000 miles after first use
  • LANPASS Visa Secured Card 5,000 miles after first purchase
• LifeMiles click to refer, referrer will get 5,000 miles per person being referred
  • LifeMiles Visa Signature 20,000 miles after first use
  • LifeMiles Visa Card 15,000 miles after first use
  • LifeMiles Visa Secured Card 5,000 miles after first use
• SkyPass cards click to refer friends, referrer will get 5,000 miles per person being referred. This sometimes goes as high as 10,000 miles.
  • SKYPASS Visa Signature card referred will get 15,000 miles after first purchase
  • SkyBlue SKYPASS Visa No Annual Fee referred will get 5,000 miles after first purchase
  • SKYPASS Visa Classic card referred will get 5,000 miles after first purchase
  • SKYPASS Visa Secured card referred will get 5,000 miles after first purchase

Thanks To

The following pages help to contribute/make me aware of some of the above referral offers. We will add and remove resources as deals come and go. Feel free to also let us know in the comments, if you’re letting us know about a new referral offer that is NOT listed above you can also include your referral link.

• Saverocity Conga Line Sub Forum
• Flyertalk American Express Referral Offers
• American Express Everyday and Everyday Preferred Cards Now Offering 5,000 Bonus Points for Referrals by PointsCentric
• American Express refer a friend BACK now in 2014! 5000 miles per referral By Points With A Crew

Final Thoughts

All of the American Express referral offers are lackluster, I’d either wait for a targeted promotion or for them to offer a higher public bonus and hope the referral bonus also increases. The only offers currently on this page that I’d feel comfortable recommend would be the Chase Freedom & Southwest cards. These are the highest these bonuses typically go (the Sapphire Preferred regularly goes up to 50k/55k points and all of the American Express cards go higher).

Remember to let us know about new referral offers in the comments section.