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The American Express credit card refer-a-friend program rewards you for every person that applies for a credit card using your link and is approved.
In the past, you were limited to referring people to the Amex cards you already have in your wallet. But since recently, you can refer new cardmembers to any Amex card if you hold a non-co-branded Amex card.
Below, we’ll go over everything you need to know about this lucrative referral program: what cards you can refer, how much you can make and other tips and tricks.
What Cards Can I Refer?
The Amex cards that qualify for referral bonuses depend on the Amex cards you have in your wallet.
| IF YOU HAVE… | YOU CAN REFER… |
| A regular Amex card | Any Amex credit card |
| A cobranded card | That suite of cards |
For example, if you hold a Blue Cash Preferred® Card from American Express, you can refer any Amex card and earn the bonus. But if you hold a Marriott Bonvoy Brilliant™ American Express® Card, you can only refer cards that earn Marriott Bonvoy points.
How Many Points Can I Earn?
It depends on the personal or business credit card you refer. The list is subject to change. See the list below for examples of past offers.
- See the referral login page here: https://www.americanexpress.com/en-us/referral
- You can see an updated list of cards on this page: https://www.americanexpress.com/us/customer-service/faq.refer-a-friend.html
| CARD | REWARDS PER REFERRAL | ANNUAL LIMIT |
| American Express® Gold Card | 5,000 points | 75,000 points |
| Amex EveryDay® Credit Card | 10,000 points | 55,000 points |
| Amex EveryDay® Preferred Credit Card | 10,000 points | 55,000 points |
| Blue Cash Everyday® Card from American Express | 75 Reward Dollars | 550 Reward Dollars |
| Blue Cash Preferred® Card from American Express | 75 Reward Dollars | 550 Reward Dollars |
| The Platinum Card® from American Express | 15,000 points | 55,000 points |
| Delta SkyMiles® Gold American Express Card | 12,500 SkyMiles | 55,000 SkyMiles |
| Delta SkyMiles® Platinum American Express Card | 15,000 SkyMiles | 55,000 SkyMiles |
| Delta SkyMiles® Reserve American Express Card | 20,000 SkyMiles | 55,000 SkyMiles |
| Hilton Honors American Express Card | 20,000 points | 80,000 points |
| Hilton Honors American Express Aspire Card | 25,000 points | 80,000 points |
Keep in mind, these referral offers are subject to change. Also, it takes anywhere from eight to twelve weeks for your bonus to post to your account after your referral is approved for their card.
How Do I Refer A Friend?
Follow the four steps below:
- Log into your American Express account.
- Select which credit card you want to refer.
- Click “Refer now.”
- Enter your referral’s email address or get a unique referral link to share wherever you want.
Amex Refer-A-Friend Tips & Tricks
Spousal referral. Referring your partner is within Amex Refer-A-Friend rules.
No spamming. Amex really doesn’t like it if you spam. Officially, you can only send referrals to close family and friends who have agreed to receive your referral. Avoid posting your offer on paid advertising or public forums.
Points cap. As mentioned in the above section, there are limits to how many referral bonuses you can earn per year, which varies from card to card.
Card must be approved. You’ll only earn your bonus if your referral is approved for the card. Simply applying for one does not guarantee a bonus.
Pay your balance on time. Failure to do so will result in Amex refusing to pay out your referral bonus.
Bottom Line
With these tips and tricks in mind, you can participate in the American Express credit card refer-a-friend program and take your reward earnings to the next level. But remember, the bonus you earn is subject to card approval.
Because offers are only available for a limited time, make sure you check for updates and follow the steps to find the perfect offer for you and your referral.
Interested in earning more points, miles and cash bonuses? See our credit card bonuses page here.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply. https://americanexpress.com/en-us/referral/ADVINVSL4X?XLINK=MYCP
Apply for an American Express Card with this link. With your new Card, you could earn a welcome bonus and your friend could earn a referral bonus. Terms Apply. https://americanexpress.com/en-us/referral/REGESMdIlO?XLINK=MYCP
Adding my link. Thanks for using my link below:
http://refer.amex.us/MITCHLGjgV?XLINK=MYCP
Apply for an American Express Card with this link. We can both get rewarded if you’re approved!
http://refer.amex.us/HARShSVmdi?XL=MNMCP
Dropping mine! This goes to Gold, with 4x on Restaurants/Groceries, with a 60K points after 4K spend / 3 month bonus (as of Oct 9 2020 – can change), but remember, you can pick any personal or business card from a referral, so if you find a better fit, go for it!
http://refer.amex.us/JOHNPWJHw?xl=cp15
Apply the Card to Earn 50,000 Membership Rewards Points (Worth $650) after you use your new Card to make $4,000 in purchases in your first 3 months. $100 Airline Fee Credit ; 120 Dining credit ; Open the link in incognito mode if you don’t see 50K offer.
Please use this latest link
http://refer.amex.us/RAVEECg0zx?xl=cp01
Greetings,
Apply the Card to Earn 50,000 Membership Rewards Points (Worth $650) after you use your new Card to make $4,000 in purchases in your first 3 months. $100 Airline Fee Credit ; 120 Dining credit ; Open the link in incognito mode if you don’t see 50K offer.
http://refer.amex.us/VENKAKbLJm?XLINK=MYCP
You can also apply any other Amex personal or business credit card by clicking on View all cards and click on All Personal cards or Business card.
Amex Platinum Personal- 150K when spending 6K in first 6 months
https://americanexpress.com/en-us/referral/ASTRISVdDW?XLINK=MYCP
Amex Gold Personal- 90K when spending 4K in first 6 months.
https://americanexpress.com/en-us/referral/ASTRIStxho?XLINK=MYCP