Limited Time: Earn Bonus Points Referring Credit Cards to Friends & Family

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Did you know you can earn extra miles and points by referring your family and friends for credit cards?

There are some good referral promotions right now for the Starwood hotel card, Chase Freedom, and Chase Sapphire Preferred cards.  You may also be able to get a referral bonus with other American Express cards.

Note:  These are all limited-time offers ending in the next few weeks.

Which Cards Qualify?

1.   Starwood Preferred Guest American Express

Link:   American Express Refer a Friend

Link:   Starwood Preferred Guest American Express (Personal)

Link:   Starwood Preferred Guest American Express (Business)

You can earn 5,000 Starwood points when you refer a friend (and they’re approved for a card).  Your friend’s application needs to be approved by June 30, 2014 to get the bonus.  And because the Starwood Preferred Guest American Express currently has an increased sign-up bonus of up to 30,000 points, your friend will get a great deal, too!

You can earn a maximum of 55,000 Starwood points per year (11 referrals).  That’s a lot of Big Travel with Small Money!

To refer a friend, go to the American Express Refer a Friend website and sign-in to your American Express account.

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Log-In to Your American Express Account to Refer a Friend

Once you’ve logged in, you’ll have the option to select the American Express Starwood Preferred Guest card.  If you have other American Express cards, you might get a referral offer on those, too!  In this case, there was also a similar offer for the Gold Delta SkyMiles American Express card.  You may not get the same offer.

Once you’ve selected the card, you’ll be prompted to enter your friend’s information (full name and email address).  You can refer up to 5 friends at once, and can add a personalized message so that your friend knows it’s not a generic promotion but actually came from you!

When your friend is approved, you’ll get 5,000 Starwood points deposited to your account.  And they’ll get up to 30,000 Starwood points after completing minimum spending on the card.  But remember, this offer is only good until June 30, 2014.

2.   Chase Freedom

Link:   Chase Refer a Friend

Link:   Chase Freedom

You’ll get 5,000 Chase Ultimate Rewards points ($50 cash back) when you refer a friend and they make their 1st purchase on the card.  You have to refer your friend by June 20, 2014, and you’ll get the referral bonus as long as they’re approved and make a purchase on the card by September 30, 2014.

Meanwhile, your friend will get the increased bonus of 20,000 points ($200 cash back) the Chase Freedom card currently offers.

(I wonder if this means the Chase Freedom increased bonus offer will end on June 20, 2014 too?)

You can earn a maximum of 50,000 points per year (10 referrals).  That’s $500 cash back, or a lot of travel when you transfer points to your Chase Sapphire Preferred, Chase Ink Plus, or (no longer offered) Chase Ink Bold card, and then to airline and hotel partners in the Chase Ultimate Rewards program.

To refer a friend, go to the Chase Refer a Friend website and enter your last name, zip code, and last 4 digits of your Chase Freedom card.

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Enter Your Details on the Chase Refer a Friend Website

After you enter your information, you’ll have the option to invite as many friends as you want.  You’ll need to enter your friends’ full names and email addresses.

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Refer as Many Friends as You Like, but You’ll Only Get the Referral Bonus for up to 10

Once your friend is approved and makes a purchase on the card (before September 30, 2014), you’ll get 5,000 Chase Ultimate Rewards points deposited into your account.

If you prefer, you can use social media to refer friends instead.  Chase gives you the option to invite friends via Facebook or Twitter.  I like that idea!

3.   Chase Sapphire Preferred

Link:   Chase Refer a Friend

Link:   Chase Sapphire Preferred

If you have the Chase Sapphire Preferred card, you’ll get 5,000 Chase Ultimate Rewards points when you refer a friend by June 30, 2014.  You’ll get the referral bonus if they’re approved and make a purchase on the card by November 30, 2014.  And your friend will get 40,000 Chase Ultimate Rewards points after meeting minimum spending.

The referral process is the same as for the Chase Freedom card.  Just enter the last 4 digits of your Chase Sapphire Preferred card on the Chase Refer a Friend website.  Then you’ll be able to invite as many friends as you like (but you’ll only get the bonus for the 1st 10 that are approved).

Or you can refer friends via social media instead of sending emails.

Remember, to get the bonus, your friend must be approved and use the card at least once before November 30, 2014.

Bottom Line

You can earn extra miles and points by referring friends and family for the Starwood Preferred Guest American Express, Chase Freedom, and Chase Sapphire Preferred cards.  You may also get an offer to refer friends for other American Express cards.  But these offers are all ending soon!

In all cases, you can earn 5,000 points per referral, up to a maximum of 55,000 (American Express) or 50,000 (Chase) points per year.  That’s a lot of Big Travel with Small Money!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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