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Maximizing Your Credit Card Points Through Referral Bonuses

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When looking for ways to earn additional credit card rewards and bonuses, referral bonus programs are often buried treasure. Many of the top credit card companies offer things like cash-back, travel points, sign-on bonuses, promotional interest rates, and a variety of other perks. But they also typically offer a nice referral bonus program that can help you get every penny of value out of your credit card and it is as simple as sending your friends a referral link. All referral programs include their own fine print with rules and restrictions like annual caps on referral bonuses. We recommend reading the fine print on any card you select. Some of the best credit card referral programs we found are Chase Referral Bonuses, American Express Referral Bonuses, and Capital One Referral Bonuses. 

In This Article:

Chase Referral Bonuses

Chase offers many different credit cards to meet a variety of consumer and business needs. Many of those credit cards are included in Chase’s Referral Bonuses program. 

Chase Sapphire Preferred

You can get up to 15,000 bonus points for each friend you refer who gets the Chase Sapphire Preferred Credit Card with a maximum of 75,000 points per year. When you sign up for this card, you also have the chance to earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening!

Chase Freedom Unlimited

You can get $100 cash back for each friend you refer who gets the Chase Freedom Unlimited card with a maximum of $500 per year. In addition to the high point earning potential of the Freedom Unlimited’s reward program, you can enjoy a 0% APR in the first 15-months from account opening.

Chase Freedom

Get $50 cash back for each friend you refer who gets the Freedom card with a maximum of $500 per year. When you sign up for the Freedom card, you can also enjoy a 0% Intro APR for 15 months from account opening on purchases and balance transfers in addition to a generous and versatile rewards program.

Ink Business Preferred

You can get 20,000 bonus points for each business owner you refer who gets the Ink Business Preferred card with a maximum of 100,000 points per year. As Chase promises, the Ink Business Preferred card is full of perks, only one of which is the ability to earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening

Southwest Rapid Rewards Plus Credit Card 

You can get 10,000 bonus points for each friend you refer who gets any Southwest Rapid Rewards Credit Card with a maximum of 50,000 points per year. To make the Plus card even better, Southwest offers 3,000 bonus points on your card anniversary. 

Southwest Rapid Rewards Premier Credit Card

You can get 10,000 bonus points for each friend you refer who gets any Southwest Rapid Rewards Credit Card with a maximum of 50,000 points per year. With this card, you can also earn 40,000 points after you spend $1,000 on purchases in the first 3 months from account opening. 

Southwest Rapid Rewards Priority Credit Card 

You can get 10,000 bonus points for each friend you refer who gets any Southwest Rapid Rewards Credit Card with a maximum of 50,000 points per year. But the perks don’t stop there. With the Priority card, you will earn a $75 annual Southwest travel credit in addition to 20% back on in-flight wi-fi, movies, and drinks.

Southwest Rapid Rewards Premier Business Credit Card 

You can get 10,000 bonus points for each friend you refer who gets any Southwest Rapid Rewards Credit Card with a maximum of 50,000 points per year.  Additionally, you can earn 60,000 points when you spend $3,000 on purchases in the first 3 months from account opening.

Disney Visa Card

You can get 100 Disney Rewards Dollars for each friend you refer who gets the Disney Visa Card with a maximum of $500 reward dollars per year. The Disney Visa offers a generous reward program with the added bonus of no annual fee. 

American Express Referral Bonuses

American Express offers several credit cards that are included in their referral bonus program. You may be eligible if you have any of the following American Express cards. 

The Platinum Card from American Express

You may earn up to 15,000 Membership Rewards points for each referred friend who signs up, with a maximum earnings potential of 55,000 points per year. American Express is currently offering a special where you can earn 60,000 points after spending $5,000 within the first three months after account opening.

American Express Gold Card

You may earn up to 10,000 Membership Rewards points for each referred friend who signs up, with a maximum earnings potential of 55,000 points per year. American Express is currently offering a special where you can earn 50,000 points after spending $4,000 within the first three months after account opening.

Hilton Honors American Express Card

You may earn up to 15,000 Membership Rewards points for each referred friend who signs up, with a maximum earnings potential of 80,00055,000 points per year. You can also earn a generous 95,000 Hilton Honors bonus points after you spend $1,000 in purchases on the Card within your first three months from account opening.

Amex EveryDay Credit Card

You may earn up to 10,000 Membership Rewards points for each referred friend who signs up. You can also enjoy a 0% APR for 15-months after account opening, in addition to a versatile rewards program. 

Amex EveryDay Preferred

You may earn up to 10,000 Membership Rewards points for each referred friend who signs up, with a maximum earnings potential of 55,000 points per year, plus $250 back in ticketmaster.com purchases. American Express is currently offering a special where you can earn 15,000 points after spending $1,000 within the first three months after account opening.

Blue Cash Preferred Card from American Express

You may earn up to $75 reward dollars for each referred friend who signs up. You can also enjoy 6% back on all purchases made at U.S. supermarkets up to $6,000 per year. 

Gold Delta SkyMiles Credit Card from American Express

You may earn 5,000-10,000 Membership Rewards points for each referred friend who signs up, with a maximum earnings potential of 55,000 points per year. In addition to a $50 statement credit after you make a Delta purchase within your first three months, you can earn 50,000 points after spending $1,000 within your first three months.

The Plum Card from American Express

You may earn up to $100 reward dollars for each referred friend who signs up. This card also gives you the unique option to pay in full each month or to carry a balance for up to 60 days with no interest.

Capital One Referral Bonuses

If you have an open account in good standing on any of the below cards, you may be eligible for Capital One’s Refer-a-Friend program. With each qualified Capital One card, you can earn $100 for each friend you refer with a maximum of $500 per year. We’ve listed the Capital One cards eligible for the $100 referral bonus below as well as some of the great perks of each.

Capital One Venture Rewards Credit Card

With the Venture card, you can enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within three  months from account opening as well as application fee coverage for TSA Precheck or Global Entry.

Capital One Venture One Rewards Credit Card

With the Venture One, you can receive a 20,000 mile sign up bonus once you spend $1,000 on purchases within three months from account opening. And, no annual fee. 

Capital One Quicksilver Cash Rewards Credit Card

In addition to a sign-on cash bonus of $150 when you spend $500 within three months of account opening, you will earn an unlimited 1.5% on all purchases made with the card. 

Capital One Savor Cash Rewards Credit Card

In addition to a sign-on bonus of $300 once you spend $3,000 on purchases within three months from account opening, you can enjoy unlimited 4% cash back on entertainment and dining , 2% at grocery stores, and 1% on other purchases.

Capital One Savor One Cash Rewards Credit Card

Enjoy a sign-on cash bonus of $150 when you spend $500 within three months of account opening as well as 3% cash back on entertainment and dining, 2% cash back on groceries, and 1% on other purchases. 

Capital One Spark Miles for Business

With the Spark Miles for Business card, you have the chance to up to 200,000 reward points. You can earn 50,000 points after spending $5,000 on purchases within the first three months of account opening and then, to keep up the momentum you have the opportunity to earn 150,000 miles after spending an additional $50,000 within the first six months of account opening.

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