Unlocking The Benefits Of Amex Refer A Friend: Maximize Your Bonuses

Credit Cards1 year ago
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If you are already enjoying the bonuses and perks of an Amex card, it is only natural that you will want to share an excellent credit card with your friends and family. But did you know that you can earn extra rewards through an Amex Platinum referral bonus each time you recommend American Express to others?

Below we will talk you through everything you need to know about the Amex Platinum Sign-Up Bonus and how to maximize your bonus perks by sending referral links to a friend.

The Platinum Card® from American Express

Experienced Users

Intro offer

80,000 Points

Annual Fee


Recommended Credit


80,000 Points

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What is the Amex Platinum Referral Bonus Scheme?

American Express knows that no credit card recommendation is more powerful, or more trusted than one which comes through a friend or family member. For that reason, they have set up an Amex Platinum Sign Up Bonus scheme which will reward you every time someone uses your referral links to apply for an Amex card.


How Does a Referral for Amex Platinum Work?

As an American Express member, you will be given access to a personalized Amex platinum card referral link which you can share with your friends and family.

You can also share links on social media such as Twitter, Facebook, and Instagram to encourage your followers to sign up (although it is generally discouraged for you to share your link with strangers!) However, when you do this, you do need to divulge that you will be getting an Amex referral bonus amount.


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Both You and The Person You Will Refer Will Receive a Bonus

Once someone uses the link to sign up for an Amex card, you will receive a referral bonus of Amex membership rewards points. The person you have referred may also be able to access a higher signup bonus than one they would gain by signing up directly on their own.


What is the Amex Referral Bonus Amount?

The type of Amex Cards which are eligible for Amex referral bonus amounts will vary, but you can check which cards are currently eligible by logging into your account on the Amex Referral website portal.

Check the Amex Refer a Friend program once you have logged in and you will be able to access the referral links for the cards which are currently eligible and discover how many points you will earn for each signup. Here are the current American Express Credit Cards bonus amounts on offer:

  • Amex Platinum Referral Bonus - 15,000 points.
  • Amex Everyday Card Referral - 10,000 points.
  • Hilton Honors Amex card Bonus - 20,000 points.
  • Marriot Bonvoy Business Card Referral Points - 20,000 points.


How Many Amex Referral Bonus Points Can You Earn Each Year?

You will not be able to earn an unlimited Amex referral bonus amount. Each year there will be a limit to how many Amex Platinum referral bonus points you can earn with the Refer a Friend program. The current limits are set at:

  • Amex Platinum Sign Up Bonus Limit - 55,000 points per annum.
  • American Express Everyday Card Points Limit - 55,000 rewards.
  • Hilton Honors Amex Rewards Limit - 80,000 points per year.
  • Amex Marriot Bonvoy Business Card - 55,000 membership rewards each year.


How Much are Amex Referral Bonus Points Worth?

The value of American Express points will vary depending on how you choose to spend them. But generally, they will work out to between 0.5 and 1 cent for each point.

You can maximize the value of your reward points by using the Amex travel hub to book flights with selected airlines and fine hotels, resorts, and luxurious stays across the globe. These will generally give you a value of one cent per point.


Do You Need to Pay Taxes on your Amex Referral Bonus Points?

Your referral bonus income may be subject to taxation. This is because you don't have to spend any money to gain them and they can be considered income. For example, if you gain 10,000 American Express points through a referral, and each point is valued at a cent - that would be $100.

Amex will send you tax form 1099-MISC with a breakdown of your taxable referral points once you start earning bonuses.


How Do You Send an Amex Platinum Sign Up Bonus Link?

If you want to begin referring friends and family through the Amex Refer a Friend program, you need to already be an American Express credit card holder with a good history and standing. To get started sending referral links, you simply need to follow the steps below:

  • Head to the American Express website address - AmericanExpress.com/Refer.
  • Log into your account.
  • You will then be shown the available referral links for the Amex cards you hold that are available along with the bonus amounts you can earn. if you hold the card, your referral Amex Platinum card will be listed here.
  • Select which card you want a referral link for. You will be able to then share this via email, personalized referral links, and links on social media.
  • You will receive your bonus points once your friend has applied for the card and been approved.


Can You Send Amex Referral Links for Cards You Don't Hold?

You can also send your personalized bonus referral link to friends and family who want to apply for American Express cards you don't currently hold. When recipients click on the link you send, they will be able to click on the option "View All cards with a Referral Offer.”

This will enable you to receive bonus points for cards that you don't currently own. But you should be aware that not all American Express cards will be part of the Refer a Friend scheme.


How Long Does it Take for Your Amex Referral Bonus Amount to Show in Your Account?

You shouldn't expect your Amex Platinum referral bonus points to immediately appear in your card account. After you have successfully referred a friend or family member, it can take between 8 and 12 weeks for your points to appear.


Why Hasn't Your Amex Platinum Sign Up Bonus Arrived?

If after eight to twelve weeks your referral Amex platinum card hasn't arrived, there are a variety of reasons for you to consider. These include:

  • Your friend or family member's card application has been denied.
  • Your referral recipient chose not to apply for the card.
  • You have already reached the maximum amount of bonus points referrals for that year.
  • There is a problem with your account, for example, you may be behind on your card payments.


Takeaway - Unlocking the Benefits of Amex Refer a Friend: Maximize Your Bonuses

If you are a happy American Express card holder, then it is only natural that you would want to share the perks and bonuses with those who are close to you. And happily, American Express will reward you for doing just that! And with up to 55,000 Amex Platinum Referral Bonus points available each year, you could make a substantial saving of your own on your future American Express travel spending and airline fees.

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