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

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

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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.

American Express Cobalt Card

American Express Cobalt Card

19.99 % APR

Purchase interest rate

Eligibility criteria, terms and conditions, fees and charges apply

American Express Cobalt Card

Apply today and earn up to 5 points for every dollar you spend on eligible purchases. Terms apply.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 22.99%
  • Annual fee: $120
  • Credit rating: Fair, Good, Excellent
  • Minimum age: Age of majority in province/territory of residence
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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.Refer a friend and earn a bonus of 5,000 Membership Rewards points for every approved referral (up to a maximum annual earn of 75,000 Membership Rewards points).
  • SimplyCash Preferred Card from American Express.Refer a friend and earn a bonus of $100 cash back for each approved referral (up to a maximum bonus of $1,500 cash back per year).
  • American Express AIR MILES Platinum Credit Card.Refer a friend and earn a referral bonus of 500 AIR MILES for each approved referral (up to a maximum referral bonus of 7,500 AIR MILES per year).
  • Marriott Bonvoy American Express Card.Refer a friend, and you could earn a referral bonus of 10,000 points (subject to application approval).

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 Refer a Friend 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.

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

Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Min. Credit Limit Benefits with this card Description
American Express Cobalt Card
19.99%
22.99%
$120
N/A
N/A
Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
Earn up to 40,000 Membership Rewards points. In the first year, earn 2,500 Membership Rewards points for each billing period when you charge at least $500 in eligible purchases to your card (for a total earn of up to 30,000 Membership Rewards). Plus, earn up to 10,000 Membership Rewards points when you spend a total of $3,000 in purchases in your first three months
The Platinum Card from American Express
N/A
N/A
$699
N/A
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible dining in Canada, 2 Membership Rewards points for every $1 spent on eligible travel purchases as well as hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
As a new Platinum Cardmember, earn up to 60,000 Membership Rewards points in the fist six months. Earn a Welcome Bonus of 50,000 Membership Rewards points when you spend at least $3,000 on eligible purchases within the first three months. Receive an additional 10,000 Membership Rewards points after six months of cardmembership
SimplyCash Preferred Card from American Express
19.99%
22.99%
$99
N/A
N/A
Earn 2% cash back on all eligible purchases
Earn 5% cash back on all eligible purchases in your first six months (up to a maximum spend of $6,000, or $300 in cash back). Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application
American Express AIR MILES Platinum Credit Card
20.99%
22.99%
$120
N/A
N/A
Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
Earn a Welcome Bonus of 2,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months. Plus, get a rate of 1.99% on balance transfers for the first six months with no balance transfer fee. Transfer up to 50% of your credit limit or $7,500, whichever is less. This offer is only available at the time of online application
American Express Business Edge Card
19.99%
22.99%
$99
N/A
N/A
Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases

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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 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. Due to privacy, you won’t be notified either way if your friend or family member gets approved.
  • 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 for more, compare prestige, perks and points for American Express credit cards.

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