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Your guide to the American Express referral program

Refer a friend to American Express and earn up to 200,000 bonus Membership Rewards or frequent flyer points.

Updated

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The American Express “Refer a Friend” program is designed to let you share membership perks with people you care about. It gives you a chance to earn between 10,000 and 20,000 bonus points for every friend or family member you refer through the program when they apply and are approved for an eligible American Express credit card.

Meanwhile, the people you refer can enjoy new membership perks like a waived annual fee, bonus Membership Rewards points or a statement credit. Use this guide to learn how to refer a friend, which cards are eligible and how you can benefit from the referral perks.

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. As of 26 February 2020, some examples of current offers are as follows:

Qantas American Express Ultimate Card

If you hold a Qantas American Express Ultimate Card, you will earn 40,000 Qantas Points for each friend approved using your referral link. Your friend will receive 650,000 Qantas Points upon being approved for a Qantas American Express Ultimate Card and spending $3,000 in their first 3 months of card membership. Friends can choose from any available Amex Qantas Cards but bonus points will vary.

How can I refer a friend?

The easiest way to refer a friend or get your referral link is through the Amex app. To earn rewards for referring friends and family using your computer, you need to follow the steps outlined below.

Step 1: Go to the American Express referral page and login with your user ID and password or credit card information.

amex-referral-program-step-1

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.

amex-referral-program-step-2

Step 3: Share this referral link with your friends and family via email, text message, LinkedIn or Facebook. It is very important to make sure they apply using 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.

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 send referral messages to no more than 20 friends, and can earn up to a maximum 200,000 Membership Rewards or Qantas Points through this program 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 the status of your friend’s application (whether it has been approved or declined) for reasons of privacy and confidentiality.
  • New membership. 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.
  • Rewards Program. You must be enrolled in the participating credit card rewards program to receive bonus points through "Refer a Friend". For example, if the offer is for Membership Rewards, you would have to have a credit card enrolled in the American Express Membership Rewards Program. Similarly, if the referral offered bonus Qantas frequent flyer points, you would have to have an Amex card enrolled in the respective frequent flyer program.
  • Crediting process. You will receive your earned points in 8 to 10 weeks if your friend’s membership application is successful.

With these tips in mind, you’re all set to begin referring friends or family members who are interested in getting an American Express card. 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, so make sure you check for updates and follow the steps above when you find an offer that works for you and your friend.

Don't have an Amex yet? Compare American Express Credit Cards

Data indicated here is updated regularly
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Premium Card
100,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
N/A
$450
ABN holders w/ $75,000 revenue. Get 120,000 bonus points, 3x points on eligible Qantas flights & 2 lounge passes per year. Ends 4 November 2020.
American Express Platinum Edge Credit Card
N/A
Membership Rewards Ascent
1
20.74% p.a.
$195
Get $150 back when you spend at least $1,500 within the first 3 months. Plus, receive $200 Travel Credit each year. Ends 2 November 2020.
Qantas American Express Ultimate Card
55,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Get 55,000 bonus Qantas Points, a $450 Qantas Travel Credit and 2 yearly complimentary Qantas Club lounge invitations.
Qantas American Express Discovery Card
N/A
Qantas Frequent Flyer
0.75
20.74% p.a.
$0
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
American Express Explorer Credit Card
50,000
Membership Rewards
2
20.74% p.a.
$395
Get 50,000 bonus points when you spend $3,000 in the first 3 months, a yearly $400 Travel Credit and 2 entries per year to the Amex Lounge.
David Jones American Express Platinum Card
30,000
Membership Rewards
1
20.74% p.a.
$295
DJ's shoppers and Qantas travellers earn 30,000 bonus Membership Rewards Points or 15,000 Qantas Points on eligible spend.
David Jones American Express Card
45,000
Membership Rewards
1
20.74% p.a.
$99
Not just for David Jones shoppers, receive 45,000 bonus Membership Rewards Points or 22,500 Qantas Points on eligible spend. Ends 1 Nov 2020.
American Express Business Card
N/A
Membership Rewards Ascent
1.5
N/A
$109
ABN holders w/ $75,000 revenue. Up to 1.5 points/ $1 spent and extended cashflow with up to 51 days interest-free on business purchases.
American Express Platinum Card
80,000
Membership Rewards Ascent Premium
2.25
N/A
$1,450
Receive 80,000 bonus Membership Rewards Points, a $450 annual Platinum Travel Credit, dedicated personal service and luxury travel perks.
American Express Gold Business Card
100,000
Membership Rewards Ascent
1.5
N/A
$169
ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points and up to 51 days to pay for purchases.
American Express Business Explorer Credit Card
100,000
Membership Rewards Gateway
2
16.99% p.a.
$395
ABN holders w/ $75,000 revenue. Get 100,000 bonus points. Plus, 2 airport lounge passes.
American Express Platinum Business Card
150,000
Membership Rewards
2.25
N/A
$1,750
ABN holders w/ $75,000 revenue. Get 150,000 bonus points and up to 2.25 points/ $1 spent on eligible business purchases.
American Express Velocity Escape Card
N/A
Velocity Frequent Flyer
0.75
20.74% p.a.
$0
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
American Express Velocity Platinum Card
50,000
Velocity Frequent Flyer
1.25
20.74% p.a.
$375
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Velocity Business Card
N/A
Velocity Frequent Flyer
1
N/A
$249
ABN holders w/ $75,000 revenue. A business charge card offering Velocity Points per $1 spent and up to 51 days interest-free on purchases.
American Express Essential Credit Card
N/A
Membership Rewards
1.25
14.99% p.a.
$0
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Qantas Corporate Card
N/A
Membership Rewards
1.5
N/A
$70
Earn triple Qantas Points on eligible business flights, plus, receive complimentary travel accident insurance.
American Express Low Rate Credit Card
N/A
8.99% p.a.
$0
Get up to 55 days interest-free on purchases, a $0 annual fee for life and global card support on this low rate, no annual fee credit card.
Qantas American Express Business Credit Card
N/A
Qantas Frequent Flyer
1
20.49% p.a.
$160
ABN holders w/ $75,000 revenue. Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 55 days interest-free on purchases.
American Express Qantas Corporate Platinum Card
150,000
Membership Rewards
2
N/A
$1,200
Earn 150,000 bonus Membership Rewards points and triple Qantas points for eligible business flights. Plus, complimentary lounge passes.
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Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Citi Rewards Card - Exclusive Offer
21.49% p.a.
0% p.a. for 30 months
$49 annual fee for the first year ($149 p.a. thereafter)
Finder Exclusive
Save on interest with 0% p.a. on balance transfers for 30 months with no balance transfer fee. Plus, a $49 first-year annual fee and Citi Rewards.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0
Save on new and existing interest charges with 0% p.a. on balance transfers and purchases for 12 months.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 100,000 bonus Qantas Points, 50 bonus Status Credits and 2 complimentary Qantas Club lounge invitations per year. Ends 4 November 2020.
Citi Rewards Card - $500 Voucher Offer
21.49% p.a.
0% p.a. for 12 months
$99 annual fee for the first year ($199 p.a. thereafter)
Get a $500 e-voucher to spend at Myer, JB Hi-Fi or Coles when you spend $3,000 in the first 90 days. Plus, earn points with the Citi Rewards Program.
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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