Credit Card Referral Bonuses – Earn $500/Year

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One of the benefits of using credit cards is that you can profit from them. In addition to the signup bonus, limited-time promotions, and recurring rewards that accumulate when you make purchases with your card, you may also have the opportunity to earn a referral bonus. If so, and depending on the program, you can earn up to $500 a year when the people you offer the card to successfully open an account.

The credit card issuers listed below currently offer referral programs. Programs vary, but in all cases, you will receive a bonus in the form of cash, miles, points, or a credit statement after the person you referred by credit card applies for an account and is approved. .

Ready to replenish your reward bank by offering the card to your friends? Here are credit issuers that offer this type of valuable incentive.

American Express

Depending on which American Express card you have, you can refer a friend and earn additional Membership Rewards points. To see which cards are currently eligible for the Referral Bonus, log in to your American Express account and go to the Refer a Friend page for the most up-to-date list. Most of them are high reward cards like The Platinum Card® by American Express. Card referral bonuses range from 10,000 to 20,000 points, with a maximum of 55,000 to 80,000 points per year.

After logging into your account and going to the referral page, you will see which cards are available and how much the bonus will be for each of them. When you select the account you would like to suggest, you will receive a sharing link. When your friend is approved, you will receive points.

Capital One

Capital One refer a friend bonus varies by card. For example, a card with a mile-based rewards program like the Capital One Venture Rewards credit card will give you a mileage bonus, while a cashback card like the Capital One Quicksilver Cash Rewards credit card will get you a referral. cash bonus.

To find out which cards are eligible for the referral program, log in to your account, then find the Refer a Friend page to see which cards are listed and receive your personal referral link. The bonus is card dependent and limited to either $500 cash or 50,000 miles per year. There is no specific limit on the number of times you refer someone, but once you reach the limit, you will no longer receive the bonus.

Once you receive the link, you can share it with your friends and if they are approved, you will find the bonus on your rewards balance. Please note that Capital One only offers this program to cardholders with a good credit history, so if you have had problems paying, you may not qualify.


Chase also has a great referral program. You will earn money, points or miles depending on the card you invite and your friend takes to open. You can see the bonus amount by checking the Refer a Friend page after logging into your account.

For example, right now you can earn up to $100 for a successful Chase Freedom Unlimited claim with a maximum of five referrals per year. This means you can walk away with a $500 annual bonus. And for every successful application for any United MileagePlus® card, you will earn 10,000 bonus miles, for a total of 100,000 miles per year. Just fill out the form on the page and you will be redirected to offers. When you choose one of them, you will be given a link to submit. You will receive your Reward Bonus upon successful approval.


Discover also has a referral program and many of its cards are included, such as Discover it® Cash Back, Discover it® Student chrome and Discover it® Miles. The bonus ranges from $50 to $100 per person who opens an account, up to the maximum annual amount specified in the individual offer.

To be eligible, your account must be in good standing and you must have opted in to receive Discover marketing communications. You will receive a link after logging into your account and going to the Refer a Friend page. You won’t be notified if and when the person you invited is approved, so keep an eye on your account. The bonus will appear in the form of a credit statement within one or two billing periods.

bottom line

If you’re looking to earn extra cash or top up your travel or product rewards balance, the Refer a Friend program may be to your advantage. These programs are updated frequently, so be sure to keep an eye on what your credit card issuer is currently offering.

You can also do your friends a favor by suggesting an account that might be perfect for them – and one that they can also use to make a profit. After all, who couldn’t spend another $500 or the equivalent?

Editorial disclaimer

The editorial content on this page is based solely on the objective judgment of our contributors and is not based on advertising. It was not provided or ordered by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.

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