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Your guide to the American Express “refer a friend” program

Earn bonus points every time you refer a friend and they're approved.

Updated

The American Express Refer a Friend program gives you a chance to earn more than 50,000 bonus points annually for every friend or family member you refer through the program. But to get the points, they must be approved for an eligible American Express credit card.

Who can I refer to the program?

You are free to refer friends, family and acquaintances with your provided Amex referral links. Amex requests that these links only be used for individuals you know.

Amex provides you with social media links if you want to try to reach an audience you may not know. However, with Amex’s terms you must disclose that you may receive compensation for anyone who applies and is approved for a card using your link.

What cards can I refer?

There is a rule within the program. If you have a cobranded card — Hilton, Marriott or Delta card — you can only refer your friends to that suite of cards. For example, if you own Delta SkyMiles® Gold American Express Card, you can only refer your friends to Delta credit cards, but not Hilton or American Express cards, such as the The Platinum Card® from American Express or Blue Cash Preferred® Card from American Express.

On the other hand, if you have a regular American Express card, you can refer a friend to any credit card issued by American Express. For example, if you own Blue Cash Preferred® Card from American Express, you can refer your friends to Delta cards or Hilton cards.

How many bonus points can I earn?

This depends on the card that you refer to. Below you will find examples that are accurate as of this writing but know they can change over time.

  • Amex EveryDay® Credit Card.
    If you refer someone to this card, you can earn 10,000 bonus membership rewards points. Your limit is 55,000 bonus points annually.
  • The Platinum Card® from American Express.
    This card has a slightly more generous reward of 15,000 bonus points per referred person. But the annual limit stays the same at 55,000.
  • Hilton Honors American Express Card.
    Earn 20,000 bonus points by referring this card. The annual limit for this card is 80,000 bonus points.

How can I refer a friend?

To earn rewards for referring friends and family to American Express, you need to follow the steps outlined below.

  1. Log in to your American Express account.
  2. Select the card you want to refer to.
  3. Click Refer now.
  4. Enter the email of the person you want to refer a card to or get a personalized link and share it.

See screenshots of how to refer a friend

American Express refer card
American Express refer email
American Express refer email

Compare credit cards for the Amex “refer a friend” program

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, plus $100 after spending $1,000 in the same timeframe
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
American Express Cash Magnet® Card
$150 after spending $1,000 in the first 3 months
1.5% cash back on all purchases
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
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Compare up to 4 providers

What to watch out for

  • No spam.
    American Express has strong anti-spam sentiments and states that you can only send referral messages to close friends and family who have already consented to receive this information. You should not market this offer via paid advertising or public forums.
  • Points cap.
    Depending on the card, you can earn a certain maximum of points of more than 50,000 points through this program each year.
  • Contingent on approval.
    The bonus rewards points are subject to your friend’s application being approved, and to any other specific conditions for the specific referral offer you use.
  • Not using the referral link.
    The only way you can earn the bonus is if the person you sent to referral link to uses it and applies for the card.
  • You have not paid your balance when due.
    Having unpaid balances may prevent you from receiving the bonus points.

Bottom line

With these tips in mind, you’re all set to begin referring friends or family members who are interested in getting an American Express card. Just remember, the bonus points you can earn are subject to your friend’s application approval and offers are only available for a limited time. Make sure you check for updates and follow the steps above when you find an offer that works for you and your friend.

If you’re looking to earn even more, check out the six other ways to earn membership rewards points.

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