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Your guide to the American Express “refer a friend” program
Earn an Amex referral bonus in points or cash back every time you refer a friend and they're approved.
The American Express Refer a Friend program gives you a chance to earn bonus points and cash back 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.
A word of caution, Amex makes it clear that the link they send you isn’t meant to spam anyone. In their fine print they say, “If this is a personal or family referral, you agree to only make recommendations to known friends and family members with whom you have a relationship and who have confirmed to you that they want to receive this communication. …You must not send recommendations to people you do not know.” Ignoring this gives Amex the right to can cancel your card.
How many bonus points can I earn?
This depends on the card that you refer to. Below are some examples:
- American Express Cobalt Card.
- SimplyCash Preferred Card from American Express.Earn up to a maximum annual referral bonus of $750 cash back for approved referrals.
- American Express AIR MILES Platinum Credit Card.
- Marriott Bonvoy American Express Card.
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.
- Log in to your American Express Refer a Friend account.
- Select the card you want to refer to.
- Click Refer now.
- Enter the email of the person you want to refer a card to or get a personalized link and share it.
Compare credit cards for the Amex refer a friend program
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.
- No spam.
- Points cap.
Depending on the card, you can earn a certain maximum of points through this program each year.
- Points cap.
- 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. Due to privacy, you won’t be notified either way if your friend or family member gets approved.
- Contingent on approval.
- 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.
- Not using the referral link.
- You have not paid your balance when due.
Having unpaid balances may prevent you from receiving the bonus points.
- You have not paid your balance when due.
Bottom line on the Amex referral Canada bonus
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 for more, compare prestige, perks and points for American Express credit cards.
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