The American Express Referral System

Information updated on September 21, 2022

Note that milesopedia is partnered with American Express. Therefore, American Express links available on Milesopedia are NOT referral links. Applying for an American Express card through milesopedia supports the development of the milesopedia website and its community.

However, if you would like a referral link for a specific offer, please feel free to fill out this form.

American Express referral is available to any American Express cardmember.

There are 5 categories of American Express cards:

1. Membership Rewards
2. Aeroplan
3. AIR MILES
4. Marriott Bonvoy
5. SimplyCash

You can only refer within the same category. And there are limitations in each of these categories to the cards that can be referred.

The referral card will determine the number of points/miles you will receive for the referral. Note that American Express frequently changes the points/miles earned through a referral.

Offers via referrals can be more interesting than regular offers… but the amount to spend will often be higher! So it’s a good idea to think about it before you apply through a referral offer!

From September 21 to October 26, 2022, American Express is offering double points if you refer someone from your American Express Card!

To limit abuse, American Express updated the terms and conditions on referrals on March 12, 2020.

Who can I refer?

If the referral is made in a personal or family context, you agree to make referrals only to family members and friends with whom you have a relationship and who have confirmed that they wish to receive this communication.

If this is a referral made in a professional context, you agree to make referrals only to professional contacts whom you know and who have consented to receive this referral from you.

You should not send referrals to people you don’t know. (…) You must not post or share your referral link in places where the audience is likely to include people with whom you have no professional, personal or family connection or who may not be interested in the offer.

American Express Canada

Thus, it is prohibited:

• to broadcast its referral link on different platforms (websites, forums, chat, facebook group…)
• share your referral link with people you don’t know

American Express is strengthening its control over platforms like Reddit or blogs that share referral links (Milesopedia is not one of them).

Self-referral / self-recommendation

If you already have an American Express Card, you may not refer yourself for an American Express Card. Any violation or misuse of this referral program, including, but not limited to, sending emails to individuals with whom you do not have a professional, personal or family relationship, self-referral, attempts to circumvent, manipulate, disguise or otherwise alter the accurate delivery and representation of the referral link, and sharing of tools, content, information, instructions or other materials provided by us, will be considered a breach of these Terms and Conditions and will result in your ineligibility for referral awards, cancellation of your referral awards, expulsion from the Program and cancellation of your Card account.

American Express Canada

Thus, it is now explicitly forbidden to self-sponsor (from a Business Platinum Card to a Gold Business Card for example).

The risk: losing referral points and being excluded from the program.

It is now preferred to refer only within the family, between friends or colleagues.

Card
Name	Platinum Card®
Points earned by the sponsor	10,000 Membership Rewards points
Maximum per year	225,000 Membership Rewards points
Card(s) available via referral	Platinum Card®

And between September 21 and October 26, 2022, you can earn 20,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express® Gold Rewards Card
Points earned by the sponsor	7,500 Membership Rewards points
Maximum per year	75,000 Membership Rewards points
Card(s) available via referral	American Express® Gold Rewards Card American Express Cobalt® Card

And between September 21 and October 26, 2022, you can earn 15,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express Cobalt® Card
Points earned by the sponsor	5,000 Membership Rewards points
Maximum per year	75,000 Membership Rewards points
Card(s) available via referral	American Express® Gold Rewards Card American Express Cobalt® Card

And between September 21 and October 26, 2022, you can earn 10,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	Business Platinum Card® from American Express
Points earned by the sponsor	20,000 Membership Rewards points
Maximum per year	225,000 Membership Rewards points
Card(s) available via referral	Business Platinum Card® from American Express American Express® Business Gold Rewards Card® American Express Business Edge™ Card Platinum Card®

And between September 21 and October 26, 2022, you can earn 40,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express® Business Gold Rewards Card®
Points earned by the sponsor	15,000 Membership Rewards points
Maximum per year	225,000 Membership Rewards points
Card(s) available via referral	Business Platinum Card® from American Express American Express® Business Gold Rewards Card® American Express Business Edge™ Card Platinum Card®

And between September 21 and October 26, 2022, you can earn 30,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express Business Edge™ Card
Points earned by the sponsor	5,000 Membership Rewards points
Maximum per year	225,000 Membership Rewards points
Card(s) available via referral	Business Platinum Card® from American Express American Express® Business Gold Rewards Card® American Express Business Edge™ Card Platinum Card®

And between September 21 and October 26, 2022, you can earn 10,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express®* Aeroplan® Reserve Card
Points earned by the sponsor	10,000 Aeroplan points
Maximum per year	225,000 Aeroplan points
Card(s) available via referral	American Express®* Aeroplan® Reserve Card American Express® Aeroplan®* Business Reserve Card American Express® Aeroplan®* Card

And between September 21 and October 26, 2022, you can earn 20,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express® Aeroplan®* Business Reserve Card
Points earned by the sponsor	20,000 Aeroplan points
Maximum per year	225,000 Aeroplan points
Card(s) available via referral	American Express®* Aeroplan® Reserve Card American Express® Aeroplan®* Business Reserve Card American Express® Aeroplan®* Card

And between September 21 and October 26, 2022, you can earn 20,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	American Express® Aeroplan®* Card
Points earned by the sponsor	5,000 Aeroplan points
Maximum per year	75,000 Aeroplan points
Card(s) available via referral	American Express®* Aeroplan® Reserve Card American Express® Aeroplan®* Business Reserve Card American Express® Aeroplan®* Card

And between September 21 and October 26, 2022, you can earn 10,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	Marriott Bonvoy® American Express®* Card
Points earned by the sponsor	10,000 Marriott Bonvoy points
Maximum per year	150,000 Marriott Bonvoy points
Card(s) available via referral	Marriott Bonvoy® American Express®* Card Marriott Bonvoy® Business American Express®* Card

And between September 21 and October 26, 2022, you can earn 20,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

Card
Name	Marriott Bonvoy® Business American Express®* Card
Points earned by the sponsor	15,000 Marriott Bonvoy points
Maximum per year	150,000 Marriott Bonvoy points
Card(s) available via referral	Marriott Bonvoy® American Express®* Card Marriott Bonvoy® Business American Express®* Card

And between September 21 and October 26, 2022, you can earn 30,000 points per referral.

Here is the current offer for this Card available via Milesopedia:

By logging into your American Express account, you will be able to retrieve a referral link via the“Refer a Friend” option on the left side of the home screen. You can click on this link link, which will ask you to log in to your American Express account to view available referral offers.

You will then arrive on this page. If you have multiple American Express cards in your account, choose the one you would like to refer from. Below, I have chosen the Business Platinum Card.

You will then have the option to make a referral via email, retrieve a referral link, or distribute the link via Facebook message.

With this link, your friend will arrive on this page:

They will then have the option to subscribe to the proposed card, or to choose another card that is part of the same referral program (at the bottom of the page):

Note that milesopedia is partnered with American Express. Therefore, American Express links available on Milesopedia are NOT referral links. Applying for an American Express Card through milesopedia supports the development of the milesopedia website and community.

However, if you would like a referral link for a specific offer, please feel free to fill out this form.