The American Express referral program

The Amex Refer a Friend program gives you a way to get more points for yourself, plus perks for people you refer to American Express. When an offer is available, you earn bonus points for each successful referral you make.

The people you refer may also get bonus points or other perks, such as a waived annual fee in the first year.

How many points can I get through the Amex Refer a Friend program?

You'll typically get between 5,000 and 40,000 bonus points (or more) for each successful referral. The amount depends on factors including your card and the specific American Express referral offer. You can refer up to 20 people and earn a maximum of 200,000 points per year.

To give you an idea of the potential value, below we've included some examples of referral offers available in February 2024.

How can I refer a friend to Amex?

You can refer friends through the Amex app or website. The steps below take you through how to do it online. We've also included screenshots of someone with an Amex card accessing referral details from a mobile phone to give you an example of the process.

1. Log into your account

Go to the American Express referral page and log in with your user ID and password or credit card information.

2. Check for referral offers

You will see the current offer (or offers) you can get for referring friends.

Note: If you have more than one Amex card or referral offer, choose the one that you want to use. You'll then get a referral link for it.

3. Share your referral link with friends and family

You'll get a link you can copy, or share through email and other social media apps.

Note: Make sure your friends and family apply using your referral link. Otherwise, you won't be eligible for a referral bonus and they won't be eligible for any referral offers either.

Amex Refer a Friend key details

The terms and conditions for American Express referral offers vary but usually include the following:

• No spam. The terms and conditions state that you shouldn't spam. You also shouldn't share this offer in public forums, on social media or anywhere else where people you don't know could use it. So, make sure you ask for permission before sending someone a referral link.
• Friends and family. Only send American Express referrals and offers to close friends and family.
• Referral cap. You can refer up to 20 people and earn up to a maximum 200,000 points each year. So if you successfully referred 20 people, you'd get an equivalent to 10,000 points per person based on this cap, even if the bonus points offer was higher.
• Approved applications only. You'll only get a referral bonus if the person you refer applies through your referral link and is approved. There may be other terms and conditions for specific offers too. For privacy and confidentiality, American Express will not let you know if someone you have referred is approved or declined. If they are successful, the bonus points will be added to your account in 8 to 10 weeks.
• New memberships. 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 18 months.

With these details in mind, you’re all set share your American Express referral code with friends or family members who are interested in getting an Amex card. Just remember, referral bonuses are typically only available for a limited time, so you'll need to wait until an offer is available through your account.

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Bonus points	Points per $ spent	Purchase rate p.a.	Annual fee
American Express Platinum Card Most LovedAmerican Express Membership Rewards	Bonus points 150,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,450	Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Velocity Platinum Card Most LovedVelocity Frequent Flyer	Bonus points 100,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $440	Limited-time offer: Earn 100,000 bonus Velocity Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 100 bonus Status Credits. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
Qantas American Express Ultimate Card Finder AwardQantas Frequent Flyer	Bonus points 90,000	Points per $ spent 1.25	Purchase rate p.a. 23.99%	Annual fee $450	Limited time offer: Get up to 90,000 bonus Qantas Points. Plus, a yearly $450 Travel Credit. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Explorer Credit Card Most LovedAmerican Express Membership Rewards	Bonus points 100,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $395	Get 100,000 Bonus Membership Rewards Points when you spend $4,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Velocity Escape Plus Card Most LovedVelocity Frequent Flyer	Bonus points 20,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $95	Get 20,000 bonus Velocity Points when you spend $1,000 on eligible purchases in the first 3 months, plus a $50 Virgin Australia Statement Credit. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Essential Rewards Credit Card Most LovedAmerican Express Membership Rewards	Bonus points 40,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $108	Earn 40,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months. New American Express card members only. T&Cs apply.	Go to siteMore info Compare product selection Compare	loading
American Express Velocity Business Card Most LovedVelocity Frequent Flyer	Bonus points 150,000	Points per $ spent 1	Purchase rate p.a. 0%	Annual fee $249	Receive 150,000 bonus Velocity Points when you spend $5,000 on eligible purchases in the first 2 months. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to siteMore info Compare product selection Compare	loading
American Express Business Gold Plus Card Most LovedAmerican Express Membership Rewards	Bonus points 200,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $395	Get 200,000 Bonus Membership Rewards Points when you spend $5,000 in the first 3 months. Plus, earn up to 3 points per $1 spent at Xero, Google Ads, Meta, Amazon Web Services and Dell. New Amex card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to siteMore info Compare product selection Compare	loading
American Express Platinum Business Card Most LovedAmerican Express Membership Rewards	Bonus points 300,000	Points per $ spent 2.25	Purchase rate p.a. 0%	Annual fee $1,750	Limited-time offer: Get 300,000 Bonus Membership Rewards Points when you spend $12,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	Go to siteMore info Compare product selection Compare	loading
American Express Qantas Business Rewards Card Finder AwardQantas Business Rewards	Bonus points 150,000	Points per $ spent 1.25	Purchase rate p.a. 0%	Annual fee $450	Earn 150,000 bonus Qantas Points and $250 in your Qantas Business Rewards Travel Fund when you spend $6,000 on eligible purchases in the first 3 months. New American Express card members only. T&Cs apply. ABN holders w/ $75k revenue.	Go to siteMore info Compare product selection Compare	loading
Qantas American Express Discovery Card Most LovedQantas Frequent Flyer	Bonus points N/A	Points per $ spent 0.75	Purchase rate p.a. 23.99%	Annual fee $0	Earn up to 1.75 Qantas Points per $1 spent, with no ongoing annual fee.	ContinueMore info Compare product selection Compare	loading
American Express Low Rate Credit Card Most Loved	Bonus points N/A	Points per $ spent N/A	Purchase rate p.a. 10.99%	Annual fee $0	Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.	ContinueMore info Compare product selection Compare	loading
Qantas American Express Premium Card Most LovedQantas Frequent Flyer	Bonus points 20,000	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $249	Get 20,000 bonus Qantas Points, 2 complimentary Qantas Club lounge passes per year and complimentary travel insurance. New American Express card members only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Platinum Edge Credit Card Most LovedAmerican Express Membership Rewards	Bonus points N/A	Points per $ spent 1	Purchase rate p.a. 23.99%	Annual fee $0 first year ($195 after)	Save with a $0 annual fee in the first year. Plus, $200 Travel Credit every year. New American Express card members only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Qantas Corporate Card Most LovedAmerican Express Membership Rewards	Bonus points 50,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $70	Earn 50,000 Membership Rewards Bonus Points when you spend $10,000 on eligible purchases in the first 2 months. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Corporate Gold Card Most LovedAmerican Express Membership Rewards	Bonus points 75,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $105	Earn 75,000 Membership Rewards Bonus Points when you spend $10,000 on eligible purchases in the first 2 months and uncapped points potential. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Qantas Corporate Gold Card Most LovedAmerican Express Membership Rewards	Bonus points 75,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $105	Get 75,000 Membership Rewards Bonus Points when you spend $10,000 on eligible purchases in the first 2 months. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Business Explorer Credit Card Most LovedAmerican Express Membership Rewards	Bonus points 50,000	Points per $ spent 2	Purchase rate p.a. 23.99%	Annual fee $149	Offers 50,000 Bonus Membership Rewards Points when you spend $3,000 on eligible purchases in the first 3 months, complimentary travel insurance and 2 airport lounge passes. New American Express card members only. T&Cs apply. ABN holders w/ $75,000 revenue.	ContinueMore info Compare product selection Compare	loading
American Express Corporate Card Most LovedAmerican Express Membership Rewards	Bonus points 50,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $70	Earn 50,000 Membership Rewards Bonus Points when you spend $10,000 on eligible purchases in the first 2 months. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Corporate Platinum Card Most LovedAmerican Express Membership Rewards	Bonus points 300,000	Points per $ spent 2	Purchase rate p.a. 0%	Annual fee $800	Receive 300,000 Bonus Membership Rewards Points when you spend $25,000 on eligible purchases in the first 2 months. Plus, complimentary travel insurance. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading
American Express Qantas Corporate Platinum Card Most LovedAmerican Express Membership Rewards	Bonus points 300,000	Points per $ spent 1.5	Purchase rate p.a. 0%	Annual fee $1,200	Enjoy 300,000 Membership Rewards Bonus Points when you spend $25,000 on eligible purchases in the first 2 months. For new corporate card programs only. T&Cs apply.	ContinueMore info Compare product selection Compare	loading

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