Your guide to the American Express referral programme

Boost your Rewards points by recommending Amex to your friends and family

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With the American Express “Refer a Friend” programme, you can earn up to 90,000 Membership Rewards points or £150 cashback a year for recommending an Amex card to your friends and family. You need to share your referral link with them, and if they apply and are approved, you’ll both be rewarded.

We’ve put together a step-by-step guide to the programme, including which cards are eligible and what rewards you can get.

Credit cards from American Express

Table: sorted by representative APR, promoted deals first

Whether you’re looking for a card that lets you earn rewards or one that offers payment flexibility on forthcoming purchases, American Express has a wide range to match a variety of financial requirements.

Updated September 16th, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
2,500 points
1 point per £1 spent
£0
9.9% p.a. (variable)
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
N/A
1 point per £1 spent
£0
22.9% p.a. (variable)
Earn 1 Membership Rewards® point for every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
5,000 points
1 point per £1 spent
£0
22.9% p.a. (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
5,000 points
1 point per £1 spent
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£100
1% cashback
£0
22.9% p.a. (variable)
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
20,000 points
2 points per £1 spent
Year 1 - £0, Year 2 onwards - £25 per annum
28.2% p.a. (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

What cards can I refer and what are the potential benefits?

The rewards you and your friend can earn depend on the card you hold and specific offers available at the time of the referral. Also, your friends can either apply for the same card you have, or for a different one – you’ll both get a referral bonus anyway (unless they apply for a Basic Card).

Some examples of these cards and the rewards available are as follows:

British Airways American Express Card

If you hold a British Airways American Express Card, you will earn 4,000 Avios Points when your friend is approved. Your friend will earn 6,000 Avios Points when they apply for the British Airways American Express Card, are approved and spend £1,000 in the first 3 months of card membership.

British Airways American Express Premium Plus Card

If you hold a British Airways American Express Premium Plus Card, you’ll earn 9,000 Avios Points when your friend is approved. Your friend will earn 26,000 Avios Points when they apply for the British Airways American Express Premium Plus Card, are approved and spend £3,000 in the first 3 months of card membership.

Preferred Rewards Gold Card

If you hold an American Express Preferred Rewards Gold Card, you will earn 6,000 Membership Rewards Bonus Points when your friend is approved. Your friend will earn 12,000 Membership Rewards points when they apply for the Preferred Rewards Gold Card, are approved and spend £3,000 in the first 3 months of card membership.

Platinum Card

If you hold an American Express Platinum Card, you will earn 12,000 Membership Rewards Bonus Points when your friend is approved. Your friend will earn 35,000 Membership Rewards points when they apply for the Platinum Card, are approved and spend £4,000 in the first 3 months of card membership.

Platinum Cashback Everyday Credit Card

If you hold an American Express Platinum Cashback Everyday Credit Card, you will earn £20 cashback when your friend is approved. Your friend will earn £10 cashback when they apply for the Platinum Cashback Everyday Credit Card, are approved and spend the first £1 on the card.

Platinum Cashback Credit Card

If you hold an American Express Platinum Cashback Credit Card, you will earn £30 cashback when your friend is approved. Your friend will earn £25 cashback when they apply for the Platinum Cashback Credit Card, are approved and spend the first £1 on the card.

Nectar Credit Card

If you hold an American Express Nectar Credit Card, you’ll earn 5,000 Nectar points when your friend is approved. Your friend will earn 21,000 Nectar points when they apply for the Nectar Credit Card, are approved and spend £2,000 in the first 3 months of card membership.

How can I refer a friend?

It’s a pretty straightforward process, and you can do it both from your browser and from the Amex app.

Step 1: Head to the American Express referral page and log in with your user ID and password or credit card information.

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Step 2: You will see the bonus offers you can earn when referring a friend. Select the card you wish to refer. The website will then generate your own personal referral link.

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Step 3: Share this referral link with your friends and family via email, text message, LinkedIn or Facebook. Once they open the link, they’ll see their deal and will be able to apply. It is very important to make sure they apply using your generated personal link because you will not receive your referral bonus if they sign up directly with American Express or use a different link.

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Terms and conditions to note

  • 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 receiving this information. You should not market this offer via paid advertising or public forums.
  • Referral cap. You may refer as many friends as you wish, but you can only earn up to a maximum 90,000 Membership Rewards points (or £150 cashback, or 90,000 Nectar 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. Note that American Express will not inform you about the status of your friend’s application (whether it has been approved or declined) for reasons of privacy and confidentiality.
  • New membership. This program is only open to friends or family that would be considered as new American Express members. This means the people you refer cannot hold a current Amex card and cannot have held an American Express card in the last 24 months.
  • Crediting process. It may take up to 10 weeks for you to receive your earned points if your friend’s membership application is successful.

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, so make sure you check for updates and follow the steps above when you find an offer that works for you and your friend.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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