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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.

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 30,000 Membership Rewards points in your first year.

  • Purchase interest rate: 19.99%
  • Cash advance rate: 21.99%
  • Annual fee: $120
  • Credit rating: 700
Apply now

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 $1,500 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.

  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 Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
30,000 points
Up to 5 points per $1 spent
Min. recommended credit score: 700
Earn up to 30,000 bonus Membership Rewards points in your first year as a new Cobalt Cardmember.
SimplyCash Card from American Express
4% cash back
Up to 1.25% cash back
Min. recommended credit score: 700
Earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership.
Choice Card from American Express
10,000 points
1 point per $1 spent
Min. recommended credit score: 700
Earn 10,000 Bonus Membership Rewards points within the first 3 months as a new Cardmember.
American Express Aeroplan Card
75,000 points
Up to 5x points
30% annual interest rate applies to balances not paid in full each month
Min. recommended credit score: 700
Earn up to 75,000 Aeroplan Points. Plus, earn a total of 5X the points on eligible eats & drinks purchases in Canada for the first 6 months of Cardmembership (up to a maximum of 25,000 points). New Cardmembers can earn up to $1,600 in value within the first year. Spend applies to bonus point offers valued at up to $1,500. Apply by August 3, 2021.
SimplyCash Preferred Card from American Express
10% cash back
2% cash back
Min. recommended credit score: 700
Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.

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 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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