Chase unveiled a new sapphire reservoir specifically for business cards yesterday, alongside an updated version of its personal sapphire reservoir card. However, if you tried to refer someone to either card yesterday, it didn’t work—there were issues with generating referral links from existing sapphire or priority cards. Alternative methods also fell flat.
Good news though! The referral function is back. Still, it’s a bit unclear if you’ll get bonus points for referring someone to the Sapphire Reserve business card.
There are also some restrictive terms related to earning referral points if an unusual number of people use the referral links within a month.
Referral link returns
Referring someone through the link means they’ll get the same welcome bonuses available from other public sources. For a Sapphire Priority Card, you can earn 75,000 points after spending $5,000 in three months, or for a Sapphire Reserve, there’s a bonus of 100,000 points and $500 travel credit.
As a referrer, you could earn 15,000 bonus ultimate reward points, no matter if you refer the Sapphire Priority or Sapphire Reserve; the type of card your friend applies for doesn’t matter.
This means if you refer someone within your household, you could accumulate a total of 90,000 points for a Sapphire Priority Application or 115,000 points for the Sapphire Reserve, assuming they meet spending requirements.
Can I refer for the Sapphire Reserve on my business card?
It’s not entirely straightforward yet. When someone uses a referral link from a Sapphire Preferred or Sapphire Reserve card, there are three potential cards shown in the sidebar or on top of the page.
Essentially, this suggests that if someone applies for a Sapphire Reserve via your business card referral link, you should earn points, but… I’m not completely convinced that’s how it works. The page for generating referral links mentions:
This is 15,000 points for each friend who registers for either the Chase Sapphire or a Chase Sapphire Reserve Credit Card.
It also states:
Your friends will receive 100,000 points for opening a new Sapphire Reserve account or 75,000 points for a new Sapphire Priority account once they complete qualifying activities.
But it’s worth noting that these sections don’t specifically mention business cards or the welcome offers connected to them. This could imply that only the two personal sapphire cards are eligible for referral points. If anyone has insights on this, it’d be great to see them in the comments.
Referral restrictions
Someone named Eagle Eyednik caught some attention to the conditions this morning, specifically regarding earning points.
Earn up to 100,000 bonus points: You can receive 15,000 bonus points for each friend you refer (up to 7) approved on your card. However, if over 10 friends apply using the referral link in a month, they might not receive the bonus points for those friends approved that month, at Chase’s discretion. You can earn bonus points up to a set limit for each offer, but there’s a cap of 100,000 bonus points per year across all referral offers.
That last bit is crucial, alongside the stricter conditions:
If more than 10 friends use the referral link in one month, only limited bonus points may be awarded.
So, if more than 10 referrals come through in a month, you’ll be capped on your referral bonuses. It’s puzzling what Chase is aiming for here. If someone is generating that many referrals for a Sapphire Priority or Sapphire Reserve Card, you’d think they’d be happy about it—especially considering the annual limit on bonus points. With 15,000 points offered per referral, it suggests that after 7 referrals, the amount maxes out. I mean, that’s a lot for Chase.
But honestly, this likely won’t affect most people since the average individual probably doesn’t refer more than 10 people a month. However, if you’re in a special position—like having tons of followers on social media or a notable presence on platforms like Reddit—you should definitely keep this in mind.
This restrictive language may have been around for a while, but it’s something worth mentioning since it flew under the radar for many of us.
