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.

American Express Explorer card | Point Hacks
If you have the Explorer card, then you can also refer your friends and family to cards like the Platinum Edge and Platinum Charge


American Express is a Point Hacks site sponsor. This guide is brought to you with support from American Express.

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.

If you’re an existing Card Member, we know you’ll want to share these, but please don’t add them as comments or posts to the Point Hacks community—we’d be inundated if everyone did this. Any added on the site will get removed.

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.

  1. Head over to the Amex referral program to generate your own link
  2. Once you’re in the referral portal, log in and you’ll then see the offers outlined that you can refer others to
  3. After that, you’re given the option to copy or share the link
Amex referral log in page
You can generate your unique referral link through the Amex website

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.

Note that as of April 2020, the American Express Velocity Platinum, Velocity Escape and Velocity Business cards are not available due to Virgin Australia going into administration, we will update this guide as soon as we receive more information.

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.

Qantas Ultimate Amex Card
If you hold an Amex card earning Qantas Points like the Qantas American Express Ultimate, then you can refer your friends and family to any of the Amex Qantas cards

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.

Summing up

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.

Guide to the American Express Referral Program was last modified: May 26th, 2020 by Matt Moffitt