The Amex referral program is a simple way to gain some extra bonus points for your American Express Membership Rewards account. You can refer friends or family for their own new account by using a personalised referral link.
The program also allows referrers to promote other American Express cards within the same ‘family’, i.e. beyond only the card you hold.
Anyone with a qualifying American Express card can make use of the referral program to earn more rewards. In this guide, I run through how the referral program works.
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Potential applicants will, of course, need to meet the approval criteria for the cards they apply for, be approved, and apply through your link for you both to pick up the bonus points.
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How to earn the referral bonus
The applicant must apply through your unique referral link (and be approved) in order to be eligible for the points bonus.
Note that while you will receive your referral bonus points after the applicant has been approved, the applicant still needs to meet the minimum spend criteria to earn their own sign-up bonus. There are full terms that you should read as you go about creating your link for the full set of restrictions.
How to generate your own referral link
American Express has a simple referral site to make it easier to share links amongst your family or friends.
- Head over to the Amex referral program to generate your own link
- Once you’re in the referral portal, log in and you’ll then see the offers outlined that you can refer others to
- After that, you’re given the option to copy or share the link
You don’t have to refer them to the exact same card as your own
Amex allows you to refer a different card from the one you hold with this program. Referrers are able to refer new Card Members to a card within the same card family.
For example, a Qantas Discovery Card Member can refer someone to apply for a Qantas Ultimate card. American Express Membership Rewards Card Members are also able to refer any of the Amex Cards on offer (including Qantas/ Velocity co-brand cards). This previously wasn’t possible as only cards of a comparable fee-level could be referred.
As a ‘referrer’, you will receive the bonus points according to what card/product you hold. The new applicant will receive bonus points based on what card/product they applied for once they meet the minimum spend requirement.
Eligibility criteria for bonus points for existing American Express Card Members
American Express is quite specific about whether existing Card Members will be eligible for bonus points if they apply for a card, are approved, and meet the minimum spend criteria.
This referral program is unique to American Express. If you’re a current Card Member, it is one of the less obvious ways you can easily bump up your points balance.
So recommend a good card to someone who you know is interested in earning points and you’ll get a decent kickback. Then you can spend the bonus points you’ve earned on one of these best uses.