Chexy Holiday Referral Promo 2026: Up to $1,000 in Milestone Bonuses

The Short Answer

From Nov 1 to Dec 31, 2026, Chexy runs a holiday referral promo on top of its usual reward. The referrer earns $25 per referral, plus milestones of $100 at 2 friends, $300 at 4, and $600 at 6. Milestones total $1,000. A milestone unlocks only when a friend's completed payments reach $1,000 in spend, before fees. At 6 friends, the referrer total is $1,150: 6 times $25, plus $1,000 in milestones. See the Chexy referral code for the base $25 offer.

Friend gets $25 only: No milestone bonuses. $1,000 is milestones only, not the total at 6 friends. $1,150 is milestones plus base rewards, not milestones alone.

Milestone Tiers

Cumulative counts: Milestones count total friends, not a new set per tier. You need 6 friends in total to unlock every bonus, not 2 plus 4 plus 6. Totals include $25 per referral.

After 6 friends: Milestones stop at $1,000. You still get $25 for every additional friend. No limit on the $25.

What Counts Toward A Milestone

Not the same bar: A milestone is not the base reward. The base $25 needs your friend to activate their account: complete their first payment in the app. Milestones need completed payments of $1,000 in spend.

$1,000 in spend: For a friend to count toward a milestone, their completed payments must reach $1,000, before fees. Only your friend's payment amounts count, not Chexy's processing fees. The $1,000 spend rule applies only to milestones, not to the base $25.

Payout, Separately

Different clocks: Milestones and base rewards pay on different clocks. Do not merge them.

Milestone: A milestone bonus is credited within a day of your friend reaching $1,000 in spend. Bonuses process once a day, so it can take up to a day to show up. You do not have to wait for the 90 days to end.

Base $25: Chexy says referral bonuses are usually processed within about two weeks after qualification, with status updates within 24 hours. That timing is for the base reward, not a milestone bonus.

What Did Not Change

Base reward unchanged: From October 27, 2026, you and your friend each receive $25 per successful referral, $20 each for activation on or before October 26, 2026. The holiday promo sits on top of the base reward. It does not replace it.

Not a contest: No win to promise, no odds to state, no skill test to pass. You earn a milestone by reaching the friend count and the $1,000 completed spend rule, not by a draw.

Tiers end separately: Referral status tiers end December 31, 2026, but $25 referrals continue. That tier change is separate from this promo. It does not cancel the $25 base reward or milestones earned during the promo window.

Rogers cash back, separately: Rogers Red cardholders earn up to 3% cash back on Chexy rent and bill payments until May 10, 2027. See the Chexy Rogers Red cash back update.

Limitations

Terms control: Eligibility is individual. A friend must be new to Chexy and sign up through your referral link for the referral to track. Signing up without the link may not qualify.

Chexy Cash: The base $25 is usable toward future Chexy payments, not withdrawable money.

Late referrals: Refer after the promo window and the milestones do not apply. The $25 per referral rule for that later period is the rule in force at that time, not the holiday milestone rule.