The American Express credit card refer-a-friend program will give you rewards for each person that you’ve referred that signs up for a credit card with your referral code.
Before, you would be limited to referring people towards the Amex credit cards that you already possess. However, recently they are now allowing you to refer new card members to any Amex credit card if you have a non-co-branded Amex card.
Read more below for more details about the American Express credit card refer a friend program. You will be able to see which cards you’re able to refer, the amount you’ll make, and other tips to keep in mind.
What Cards Can I Refer?
Amex cards that are eligible for referral bonuses will depend on which ones you currently own.
| If you have | You can refer |
| A regular Amex card | Any Amex credit card |
| A cobranded card | That suite of cards |
Theoretically speaking, if you own a Blue Cash Preferred® Card from American Express, you will be able to refer any Amex card and get a bonus. However, if you have a Marriott Bonvoy Brilliant™ American Express® Card, you will only be able to refer cards that will get you Marriott Bonvoy points.
 The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%. You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
How Many Points Can I Earn?
Depending on rather if it’s a personal or a business card that you refer, their lists are subject to changes. Check out the list provided below to see examples of past offers.
- Check out the referral program here.
- Look at the updated list of cards on this webpage.
| Card | Rewards For Referral | Annual Limit |
| American Express® Gold Card | 5,000 points | 75,000 points |
| Amex EveryDay® Credit Card | 10,000 points | 55,000 points |
| Amex EveryDay® Preferred Credit Card | 10,000 points | 55,000 points |
| Blue Cash Everyday® Card from American Express | 75 Reward Dollars | 550 Reward Dollars |
| Blue Cash Preferred® Card from American Express | 75 Reward Dollars | 550 Reward Dollars |
| The Platinum Card® from American Express | 15,000 points | 55,000 points |
| Gold Delta SkyMiles® Credit Card from American Express | 12,500 SkyMiles | 55,000 SkyMiles |
| Platinum Delta SkyMiles® Credit Card from American Express | 15,000 SkyMiles | 55,000 SkyMiles |
| Delta Reserve® Credit Card from American Express | 20,000 SkyMiles | 55,000 SkyMiles |
| Hilton Honors American Express Card | 20,000 points | 80,000 points |
| Hilton Honors American Express Aspire Card | 25,000 points | 80,000 points |
Remember, these referral offers can change. And it will take about 8-12 weeks for your bonus to be posted to your account once your referral is approved for the card.
How To Refer a Friend
Follow the instructions provided below:
- Sign into your American Express account.
- Pick what credit card you would wan to refer.
- Find the “Refer Now” button and click it.
- Put in your referral’s email or get a personal referral code to share with friends and family.
Amex Refer-A-Friend Tips
Spousal referral. You are able to refer your partner since it’s within their rules.
No spamming. Don’t spam, they don’t like it when you do that. You will be able to send referrals to friends and famil who is okay with getting your referral. Try to stay away from posting this offer on public platforms or on paid ads.
Points cap. Like I said before, there will be limitations to the amount of referral bonuses that you’re able to gain each year, which will differ from card to card.
Card must be approved. You can only gain your bonus if your referral has been approved for their card. Just signing up for one won’t guarantee that you’ll get the bonus offer.
Pay your balance on time. If you don’t pay your balance on time, it will result in Amex refusing to pay you your referral bonus.
Bottom Line
Overall, this American Express bonus offer is great when you compare it to how it used to be in the past. You’ll be able to refer friends and family with the cards that you have and get a bonus posted into your account. This bonus is much better than the one they had before since they have more to offer now. However, keep in mind that the bonus that you gain can be subject to card approval beforehand.
Since these offers will only be available for a limited time, be sure that you look for updates and follow the instructions to look for the best offer for you and the person you’re referring.
Here are some of our favorite American Express Credit Cards:
 The American Express® Gold Card offers 75,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. • 1X Membership Rewards® point per dollar spent on all other eligible purchases. Other benefits: • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made at restaurants or U.S. supermarkets. Point caps and terms apply. • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express(R) Gold Card at U.S. Dunkin' locations. • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express(R) Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required. • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express(R) Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required. • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property. This card has an annual fee of $325 with no foreign transaction fees (See Rates & Fees). Terms Apply. |
 The Platinum Card® from American Express offers 125,000 Membership Rewards points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 5X Membership Rewards Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. • 5X Membership Rewards Points on prepaid hotels booked with American Express Travel. • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts(R) or The Hotel Collection bookings through American Express Travel using your Platinum Card(R). The Hotel Collection requires a minimum two-night stay. • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required. • With American Express Global Lounge Collection you can enjoy access to over 1,400 airport lounges globally, including The Centurion Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express App or visit http://www.americanexpress.com/findalounge#/loungefinder. • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month. • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card. • $200 Uber Cash: Platinum Card Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction. • $199 CLEAR® Plus Credit: CLEAR Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues. • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck (through a TSA official enrollment provider) application fee, when charged to your Platinum Card. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card. That's up to $50 in statement credits semi-annually. Enrollment required. This card comes with a $695 annual fee.¤ (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. Terms Apply. |
 The Hilton Honors American Express Card offers 70,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $2,000 in purchases on the Hilton Honors American Express Card in your first 6 months of Card Membership. Offer Ends 4/29/2025. You'll earn: • 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. • 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. • 3X Points for all other eligible purchases on your Card. Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year. This card comes with $0 annual fee and no foreign transaction fees, so you can enjoy international travel without additional fees on purchases made abroad. (See Rates & Fees) Terms Apply. |
