Chase Refer-A-Friend up to $500 Referral Bonus

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Chase Bank : Refer-A-Friend

up to $500

4.0 score





Offer Expires In

Limited Time Offer

How To Earn The Bonus

  1. Enter your information on the program page linked below.
  2. Share your unique URL with friends using the Chase Mobile App, sending your URL directly, or using the "email friends" feature found on the program page.
  3. Bonus will be credited to your account within 8 weeks after your friend signs up.

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If you know a few friends who need bank accounts, the Chase Refer A Friend program has some of the best earning potential among all of its coupons.

Existing Chase customers can earn $50 cash back for each new Chase checking account that signs up from your referral link.

The best part of this promotion is that it doesn’t expire, and you can take advantage of it up to 10 times per calendar year.

Keep in mind that Chase has a Refer-A-Friend program for most of their accounts and credit cards, and the amount of the bonus (and whether it's cash or points) can vary depending on which your friend signs up for.

As an example, here are some of the accounts you can refer friends to, along with their reward:

Your Friend Opens a... Reward Per Friend Max Per Year
Chase Total Checking®, Chase College Checking℠, Chase Premier Plus Checking℠, Chase Sapphire℠ Checking, Chase Private Client Checking℠, Chase Secure Banking℠, and some Chase legacy checking accounts such as Chase Better Banking® Checking, Chase Premier Checking℠, or Chase Checking℠ $50 $500
any Chase Freedom® credit card $100 $500
Chase Sapphire Preferred® credit card 20,000 points 100,000 points
any Southwest Rapid Rewards® credit card 20,000 points 100,000 points
any United MileagePlus® credit card 20,000 points 100,000 points
British Airways Visa Signature® credit card 10,000 Avios 50,000 Avios
any Marriott Bonvoy™ credit card 40,000 points 200,000 points
any World of Hyatt card 5,000 points 25,000 points
any Disney® Visa® Card 100 Disney Rewards Dollars 500 Disney Rewards Dollars
IHG® Rewards Club Premier credit card 10,000 points 50,000 points
any Chase Ink® card 20,000 points 100,000 points
Starbucks® Rewards Visa® Card 2,000 bonus stars 10,000 bonus stars

How To Earn The Bonus

The Chase Refer-A-Friend promotion requires you to use a referral link in order to earn the up to $500 bonus (step-by-step breakdown is listed above!).

As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.

The fine print

  • In order to receive credit for the referral, your friend must apply via the link you provided. If the link is mis-copied in any way or if your friend applies using a different page, you will not receive credit.
  • A Chase Total Checking® account can be opened online by the referred friend. If interested in another type of checking account, your friend should take their coupon to a branch and talk with a banker.
  • Your friend must be a new Chase checking customer. Not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
  • You can refer as many friends as you like, but each account/card has a maximum rewards cap (for Chase Total Checking®, the cap is 10 referral bonuses per calendar year). The limit will be shown on the offer page you'll be directed to after inputting your information on the page linked above.
  • If you have more than one Chase card that is part of the Refer-A-Friend promotion, you'll need to send referrals separately from their respective product pages. You cannot refer multiple cards from the same page.
  • Your account and your friend's account must be open and in good standing at time of payout.

How does this personal checking offer from Chase compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:


Virtual Wallet®

up to $400
Account Type
Personal Checking
Expires In
44 days
  • Direct Deposit

TD Bank

Beyond Checking

Account Type
Personal Checking
Expires In
228 days
  • Direct Deposit

U.S. Bank

U.S. Bank Smartly® Checking

up to $700
Account Type
Personal Checking
Expires In
40 days
  • Direct Deposit
  • Min Balance (optional)

Why Chase Bank?

Chase Bank is one of the largest banks in the U.S., and one of our top picks for national banks. You'll have access to more than 4,700 physical branches, more than 15,000 ATMs, and a well-liked mobile app that makes it easy to skip both (it averages 4.8 stars in the App Store and 4.4 stars on Google Play).

Chase offers everything from credit cards, home and auto loans, personal accounts, business and commercial products, and investment products under their J.P. Morgan umbrella.

Like most of the national banks, their rates aren't great, but their product breadth makes it easy to conveniently bank all at one place.

Plus, when it comes to bank bonuses and coupon codes, Chase has some of the best out there. The bank is constantly trying to attract new customers with sign-up bonuses and promotional offers.

Chase Total Checking®

This is Chase's most popular checking account, and it's a solid choice if you want a straightforward, basic checking account. The account does, however, charge for checks and for using ATMs outside of Chase's network, nor does it offer interest on your account balance.


Chase Total Checking® does charge a monthly maintenance fee of $12, but there are ways to get this waived:

  • Make at least $500 in electronic deposits each month
  • OR, maintain a minimum beginning balance each day of $1,500
  • OR, maintain a minimum beginning balance each day of $5,000 in any combination of this account and linked qualifying Chase accounts

Share Your Thoughts or Questions

There have been 2 comments about the Chase Refer-A-Friend up to $500 Referral Bonus.

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November 15, 2023

Anyone know if you can combine other Chase offers with this referral offer? That'd be nice, but it doesn't seem obvious that you can do that.


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Faith Yazel

November 8, 2023

It’s so nice that the friend you’re referring can open an account online and not have to physically go into a branch. That’s half the battle when referring anyone to anything!


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