Your guide to the American Express referral programme

Boost your rewards points with the Amex Refer A Friend programme by recommending the card 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.

Name Product Rating Finder score Rewards earn rate Max. intro bonus Annual/monthly fees Representative APR Link Incentive Representative example
American Express® Rewards Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1 point per £1 spent
10,000 points
£0
31% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
British Airways American Express® Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1 point per £1 spent
5,000 points
£0
31% APR (variable)
Check eligibility
Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher 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. Avios value varies dependent on reward (min 1000pts for flights).
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Finder Award
OFFER
American Express® Platinum Cashback Everyday Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1% cashback
£100
£0
31% APR (variable)
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
American Express® Platinum Cashback Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
1.25% cashback
£125
£25 per annum
36.7% APR (variable)
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).
American Express® Nectar Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
3 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
Year 1 - £0, Year 2 onwards - £30 per annum
37.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).
Finder Award
OFFER
The Marriott Bonvoy American Express Card
Finder score
★★★★★
★★★★★
Expert analysis
6 points per £1 spent with selected partners
2 points per £1 spent elsewhere
20,000 points
£95 per annum
54.8% APR (variable)
Check eligibility
Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent 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’ll 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 from your browser or 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 can apply. It is very important to make sure they use 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 programme 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 your friend’s application status (whether it has been approved or declined) for reasons of privacy and confidentiality.
  • New membership. This programme is only open to friends or family considered new American Express members. 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 to receive your earned points if your friend’s membership application is successful.

Bottom line

Inviting friends and family can be highly rewarding as an Amex cardholder. 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.

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though 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, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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