The referral offer is different from the current public offer. One of the reasons I love us is that we can have this discussion, other places on the internet would try to convince or tell you something else in order to get you to use their referral link. We're honest! The best offer right now is 75K public offer with the AF waived on a dollar basis. If you really want the extra 5K, have a spouse and are getting the referral bonus + the 5K, or are just feeling like spreading love I guess (we do not expect anybody to do this but we will provide the opportunity just in case someone feels like it

) use a referral link for the 80K and pay the AF. Pick the offer that's best for you!
ETA: if it were me I'd use the public link to not have to pay the AF (but I have no slots left with Chase

)