When Does Chase Referral Bonus Post & How To Keep Track of Referrals? 
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Chase sends out the 1099-MISC form on referral bonus points earned. You are required to report that income when you file your taxes this year. See below for more information.
One of the benefits of Chase Credit Cards is the ability to refer a friend to a particular Chase credit card that you have. You earn referral bonus points when your friend applies and is approved for that credit card using your referral link.
In this post, I want to review how the Chase-Refer-A-Friend program works and provide my data point on how long it takes to receive Chase referral bonuses.
Chase Bank offers credit card members an opportunity to earn more bonus points by referring a friend to apply for a particular credit card. You can refer just about anyone to apply for a Chase credit card you have. When the person applies for that specific Chase card through your referral link and is approved, you will receive the referral rewards in return.
If you forget to include your referral link or your friend did not apply for the card using your referral link, you will not earn rewards, and that decision is final.
Furthermore, the Chase Refer-A-Friend program does have a limit on how many referrals you can refer to a Chase credit card per calendar year (January – December). This limit, however, varies by credit card. In other words, if you max out your allowed referrals per calendar year, you will not earn any more referral rewards for that particular credit card until the following calendar year.
How to generate a Chase credit card referral link?
There are a couple ways to generate a Chase referral link:
The following method is preferred because you can pull up all your Chase credit cards to generate a referral link for a specific card. The site, however, does not show how many referrals you’ve earned (more below).
The site will ask you for your last name, zip code, and the last 4 digits of your card. After providing that information, simply click the Continue button.
Chase system will generate a unique referral link for you to copy. You can then send that link to anyone you want via email, social media, text messages, etc.
It’s worth mentioning that sometimes the Chase Refer a Friend website mentioned in method #2 can error out while attempting to generate a referral link. That happened to me a few times in the past. So if you encounter any errors that prevent you from generating a referral link, the easiest way to fix that is to go to that website using an Incognito or a Private browser mode and try again.
Can you refer yourself to a Chase credit card?
No, you cannot.
Chase makes it clear in their Refer-A-Friend program terms that You are not eligible for a referral bonus if you use your own referral URL to apply for a different card.
Can you refer your spouse to a Chase credit card?
Yes. Chase Bank’s referral program is known as Chase Refer-A-Friend, but in reality, you can refer just about anyone for a Chase credit card. You can refer your friend, neighbor, roommate, spouse, domestic partner, colleague, and even a stranger who is eligible to apply for a Chase credit card.
When does the Chase referral bonus post?
According to Chase Refer-A-Friend program terms:
To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Please allow up to 8 weeks after each new cardmember’s approval for Bonus to post to your account. Your bonus will appear on your statement as “Refer-A-Friend bonus.” You are not eligible for a referral bonus if you use your own referral URL to apply for a different card.
The terms state that getting the Chase referral bonus can take up to 8 weeks. In practice, it comes down to when the person applies for the card and your statement closing date.
Take a look at my example timeline below:
June 30 – A couple of friends applied for the Chase Sapphire Preferred Credit Card using my referral link and got approved.
My Sapphire Preferred credit card’s statement cut-off date is around the 16th of every month. So, in this case, it’s July 16.
On July 13,a Tuesday, I noticed pending referral bonus points of 40,000 points in my Sapphire Preferred account. I’ll show you how to see that below.
Therefore, it’s safe to say that if your friend uses your referral link to apply for a Chase credit card and gets approved, you can expect to receive the referral bonus on your next statement closing date. If the referral application was approved too close to your statement closing date, you wouldn’t be able to see it in that account statement, but you will see the bonus in your next account statement. In fact, if you do not want to wait until your next statement date, there’s another way to see the pending referral bonus points you’ve earned. See below.
How to see how many Chase referral bonus points you’ve earned?
There are a couple ways to see how many Chase referral bonuses you’ve earned for a particular credit card through the Chase Ultimate Rewards points portal:
Pending referral bonus points
Posted referral bonus points.
The easiest way to see the pending referral bonus points earned for a particular credit card is to use the Chase mobile app.
First, you need to know your card’s statement closing date and how long ago your friend applied for that card and got approved. Please refer to the above section: When does the Chase referral bonus post? to understand what I mean by this. If the dates are far enough, then you can do the following:
Open your Chase mobile app and log in.
Tap on the card that you want.
Scroll down until you see the section that says See rewards details & redeem. Click on it!
Click on the Ultimate Rewards that will take you to Rewards Activity.
You should see the section that says Earning on next statement. Those are the pending reward points, including the Refer-A-Friend bonus you’ve earned since your last account statement. Those points will be added to your next account statement. See the screenshot below.
On the top, where it says Earn / Use, click the drop-down arrow.
Click on Rewards Activity
Under Your earnings breakdown so far this year, you should see the Bonus from Refer-A-Friend offers. That’s where you will see the number of referral bonus points you’ve earned so far this year.
How to keep track of Chase referrals?
Chase used to send an email when you earned a reward from Chase Refer-A-Friend. That email shows you your progress and how many referrals you have left per calendar year. I received this email a while back, specifically with the Chase World of Hyatt Credit Card. See the screenshot below.
While it looks like Chase no longer sends out that type of email, there’s another easy way to keep track of your referrals.
Enter your last name, zip code, and the card’s last 4 digits.
Click the Continue button to generate the referral link.
Scroll down, and you should see the tracker for your referral bonus, as shown below.
Track Your Chase Referral Bonus
How to check a Chase referral application status?
It is not possible to check who applied for a particular Chase credit card through your referral link and what the application’s status is, etc. Chase Bank will not disclose that information due to individual privacy concerns.
If you refer a Chase card to someone you know, the simplest way is to just ask the person whether their application was approved or not.
Is Chase’s credit card referral bonus taxable?
Yes, Chase’s credit card referral rewards bonus is a taxable income, and you must report it accordingly when doing your taxes.
Since August 2019, Chase has sent out 1099-MISC, an IRS form for Miscellaneous Income, to you if you earn bonus points or miles through the Chase-Refer-A-Friend program. This applies to both personal and business referral Chase cards that earn Chase Ultimate Rewards (UR) points and referral Chase cards that earn hotel points or airline miles.
Chase values the referral points earned at 1 cent apiece. For examples:
If you earn a total of 40,000 bonus Chase UR points from referring your Chase Sapphire Preferred Credit Card, you will be reporting $400 income.
If you earn a total of 20,000 bonus Chase UR points from referring your Chase Ink Business Cash Credit Card, you will be reporting $200 income.
If you earn a total of 80,000 bonus Marriott Bonvoy points from referring your Chase Marriott Bonvoy Boundless Credit Card, you will be reporting $800 income.
It’s worth noting that reward points earned through non-referrals, such as credit card sign-up bonus points, your usual card’s spending bonus points, etc., are not taxable to trigger the 1099-MISC form from Chase.