The American Express referral program

Got an Amex card? Here’s how you can earn up to 200,000 bonus points when you refer a friend or family member.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

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

The people you refer also get bonus points or other perks, such as a waived annual fee in the first year. So, let's take a closer look at how it works.

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

You can earn up to 200,000 points per year for successful referrals and can refer up to 20 people per year. But the total you'll earn per referral is different for each offer.

To give you an idea of the potential value, below we've included some examples of offers that were active in September 2021.

Qantas American Express Ultimate Card

If you hold a Qantas American Express Ultimate Card, you will earn 40,000 Qantas Points for each friend or family member that applies and is approved using your referral link.

For applications made before 20 October 2021, people you refer will earn 110,000 bonus Qantas Points and get $200 back on their account when they apply online and spend $3,000 in their first 3 months of card membership.

Qantas American Express Discovery Card

With the Qantas American Express Discovery, you'll earn 10,000 Qantas Points for each successful referral.

People you refer can also get 10,000 bonus Qantas Points if they use your referral link to apply online by 20 October 2021 and spend $750 on their new card in the first 3 months.

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.

1. Log in

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

A screenshot of the login page for the Amex referral program.

2. Check for Amex referral offers

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

Details of an Amex referral bonus offer for the Qantas American Express Discovery.

Note: If there is more than one 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 and share around. Or, click on "Send Email" to generate an email template that automatically includes your referral link.

A screenshot of the referral link and email referral section for Amex card members.

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 terms and conditions: Key details

The terms and conditions for this referral program vary but usually include the following:

  • No spam. American Express has strong anti-spam sentiments and states that you should ask for permission before sending someone a referral link. 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.
  • Friends and family. You can only send American Express referrals and offers to close friends and family.
  • Referral cap. You can refer up to 20 people per year, and can earn up to a maximum 200,000 Membership Rewards or frequent flyer points through this program each year.
  • Approved applications only. You'll only get a referral bonus if the person you refer applies and is approved for the card using your referral link. 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 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 card yet? Compare American Express Credit Cards

Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate Annual fee
Qantas American Express Ultimate Card
110,000
Qantas Frequent Flyer
1.25
20.74% p.a.
$450
Receive 110,000 bonus Qantas Points and $200 back on your card when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Qantas American Express Discovery Card
10,000
Qantas Frequent Flyer
0.75
20.74% p.a.
$0
Get 10,000 bonus Qantas Points when you spend $750 within 3 months, plus a $0 annual fee for the life of the card.
American Express Qantas Business Rewards Card
120,000
Qantas Business Rewards
1.25
0% p.a.
$0 annual fee for the first year ($450 p.a. thereafter)
ABN holders w/ $75,000 revenue. Receive 120,000 bonus Qantas Points and $0 first-year annual fee when you spend $3,000 in the first 2 months.
American Express Platinum Edge Credit Card
50,000
Membership Rewards
1
20.74% p.a.
$0 annual fee for the first year ($195 p.a. thereafter)
Receive 50,000 bonus points when you spend at least $1,500 within the first 3 months. Plus, $200 Travel Credit each year.
American Express Low Rate Credit Card
N/A
8.99% p.a.
$0
Get a $100 Statement Credit when you spend $1,000 on eligible purchases by 31 December 2021. Ongoing $0 annual fee.
American Express Platinum Card
200,000
Membership Rewards Ascent Premium
2.25
0% p.a.
$1,450
Up to 200,000 bonus points (150k when you spend $3,000 in the first 3 months and 50k in year 2). Plus, a $450 Travel Credit per year.
American Express Cashback Credit Card
N/A
N/A
20.74% p.a.
$0 annual fee for the first year ($120 p.a. thereafter)
Earn 1% cashback per $1 dollar spent on your everyday purchases. Plus, an additional 5% for the first 3 months (up to $200) and no monthly fees for the first 12 months.
American Express Business Card
N/A
Membership Rewards Ascent
1.5
0% p.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 Velocity Platinum Card
120,000
Velocity Frequent Flyer
1.25
20.74% p.a.
$375
120,000 bonus Velocity Points & 120 Velocity Status Credits when you spend $4,500 in the first 3 months.
American Express Velocity Escape Card
10,000
Velocity Frequent Flyer
0.75
20.74% p.a.
$0
Get 10,000 bonus Velocity Points when you spend $750 in the first 3 months, 0.75 points on your everyday purchases, uncapped, and a $0 annual fee for the life of the card.
Qantas American Express Premium Card
30,000
Qantas Frequent Flyer
1
20.74% p.a.
$249
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Gold Business Card
100,000
Membership Rewards Ascent
1.5
0% p.a.
$169
ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months.
American Express Business Explorer Credit Card
100,000
Membership Rewards Gateway
2
3.99% p.a. for 6 months, reverts to 19.99% p.a.
$149
ABN holders w/ $75,000 revenue. Get 100,000 bonus points when you spend $3,000 in the first 3 months. Plus, 2 airport lounge passes.
American Express Explorer Credit Card
150,000
Membership Rewards
2
20.74% p.a.
$395
Get 150,000 bonus Membership Rewards Points when you spend $3,000 in the first 3 months. Plus, a $400 Travel Credit each year.
David Jones American Express Card
50,000
Membership Rewards
1
0% p.a. for 6 months, reverts to 20.74% p.a.
$99
Get 50,000 bonus Membership Rewards Points or 25,000 Qantas Points when you spend $1,500 outside DJ in the first 3 months.
David Jones American Express Platinum Card
70,000
Membership Rewards
1
0% p.a. for 6 months, reverts to 20.74% p.a.
$295
Earn 70,000 bonus Membership Rewards Points or 35,000 Qantas Points when you spend $1,500 outside DJ in the first 3 months.
American Express Velocity Business Card
120,000
Velocity Frequent Flyer
1
0% p.a.
$249
ABN holders w/ $75,000 revenue. Receive 120,000 bonus Velocity Points and 120 Velocity Status Credits when you spend $3,000 in the first 2 months.
American Express Platinum Business Card
400,000
Membership Rewards Ascent Premium
2.25
0% p.a.
$1,750
ABN holders w/ $75,000 revenue. Get 400,000 bonus Membership Rewards points when you spend $12,000 in the first 3 months.
American Express Essential Credit Card
N/A
Membership Rewards Gateway
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
50,000
Membership Rewards Spirit
1.5
0% p.a.
$70
Earn 50,000 bonus Membership Rewards Points when you spend $10,000 in the first 2 months. Plus, triple Qantas Points on eligible business flights.
loading

Compare up to 4 providers

Pictures: Finder

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site