One of the best features about holding an American Express issued credit card is the ability to earn rewards by referring family and friends. It’s really a win-win situation, Amex relies on you being a fan of their product in order to then explain the many benefits of American Express to those close to you. 

This ain’t no Tupperware party; as a seasoned or aspiring points collector, you know what those frequent flyer points/rewards can get you in return and Amex is paying out handsomely in American Express Membership Rewards (or Qantas & Velocity Points). By referring someone, you get a nice amount of bonus points and so does the person you’re referring. 

Of course they will also enjoy the other benefits of being a Card Member such as cash back offers, travel credit and unique insurance benefits such as the cell phone screen cover which can be found on the Explorer and Platinum Card.

Let’s have a look at the finer details of the ‘Refer a Friend’ program by Amex.

Maximum Amount Of Rewards Per Year

There is an annual cap of points you can earn, and that is set at 200,000 points per calendar year. However during the offer period of 18/07/2019 – 28/08/2019 you can earn an additional 200,000 points bringing the total to 400,000!

People who still hold one of the legacy cards (no longer publicly available), will earn card credit instead of points. A boosted $200 per referral is being offered on some cards, which is capped at $600. 

Which Rewards Can I Earn?

Amex member referrals will earn you bonus points from whatever program you are referring from. For example, if you hold an Amex Qantas Ultimate Card you will receive Qantas points upon approval. If you hold a Platinum Edge or Platinum Charge, you will receive either Membership Rewards Ascent or Membership Rewards Premium; on the other side of the spectrum, referring someone to the Amex Explorer Card will see you earn Membership Rewards Gateway points.

Select legacy cards such as (except Affinity – which will earn you 30,000 Rewards Points), Gold/Green/ Rewards Advantage, Charge cards and Platinum Rewards (not to be confused with Platinum) will earn statement credits instead. For each successful referral, you will earn $200 which is capped at $600. 

How Many Points Can I Earn For Different Cards?

Here’s where things get interesting, for some of the high range cards you can earn a whopping 60,000 bonus points or $200 per referral during the offer period! Have you got friends that are still wasting their time with a debit card? That’s a first class ticket or two to Europe right there!

Let’s look at each card that can earn referral points

Note: all offers listed below are only boosted for a limited time!

Membership Rewards:

  • American Express Platinum Card: 60,000 Membership Rewards Premium
    Your friend gets: Up to 150,000 points (a limited time offer!).
  • American Express Platinum Edge: 45,000 Membership Rewards Ascent
    Your friend gets: 10,000 points.
  • American Express Explorer: 60,000 Membership Rewards Gateway
    Your friend gets: 60,000 points.
  • American Express Essential: 30,000 Membership Rewards Gateway
    Your friend gets: 10,000 points.

Velocity Frequent Flyer

  • American Express Velocity Platinum: 60,000 Velocity Frequent Flyer points
    Your friend gets: 60,000 points.
  • American Express Velocity Gold: 45,000 Velocity Frequent Flyer points
    Your friend gets: 10,000 points.
  • American Express Velocity Escape: 30,000 Velocity Frequent Flyer points
    Your friend gets: 10,000 points.

David Jones

  • American Express David Jones: 45,000 Rewards Points
    Your friend gets: 25,000 points.
  • American Express David Jones Platinum: 60,000 Rewards Points
    Your friend gets: 40,000 points.

Qantas Frequent Flyer

  • American Express Qantas Ultimate: 60,000 Qantas Frequent Flyer Points
    Your friend gets: 65,000 points.
  • American Express Qantas Premium: 45,000 Qantas Frequent Flyer Points
    Your friend gets: 40,000 points.
  • American Express Qantas Discovery: 30,000 Qantas Frequent Flyer Points
    Your friend gets: 10,000 points.

Legacy & Professional Members Association Cards

  • Affinity Essential/Affinity Edge: 30,000 Reward Points. Your friend gets 10,000 Membership Rewards
  • Platinum Reserve/Affinity Reserve: $200 statement credit (capped at $600). Your friend gets 60,000 Membership Rewards
  • Gold/Green/ Rewards Advantage RCP: $200 statement credit (capped at $600). Your friend gets up to 150,000 Membership Rewards
  • Platinum Rewards: $200 statement credit (capped at $600). Your friend gets 10,000 Membership Rewards

Cross referral, what is this magic?

Do you have a trusty Platinum Edge but your friend wants to splurge on a Platinum Charge Card? No problemo! You can refer different cards within the “points family” they belong to. It’s easy to categorize those families between: Membership Rewards, Qantas Frequent Flyer, Velocity Frequent Flyer and David Jones. This means, if you hold a card that earns Qantas points, you will be able to refer any of the Qantas co-branded cards. The same goes for Velocity. One bonus for those who hold American Express Membership Rewards Cards such as: Explorer, Platinum, Platinum Edge and Essential, is that you can refer ANY of the American Express Cards on offer (including Qantas & Velocity co-branded Cards). 

Enough talking, how do I actually get started?

OK, first the basic rules. Don’t spam! Don’t do it…
I know the genius marketing guru inside you is ready to unleash your referral link to the world but keep in mind that that link is unique to you. If Amex notice you’re trying to abuse the program, those points will be taken back. 

The best way to get a referral is to share your thoughts and expertise with friends and family. In the end, you’re offering a value proposition, if they appreciate your advice they will be more than happy to use your link. Just make sure you tell them you’re also getting a bonus for your efforts 😉

Step 1: Generate your referral link (click here)

Step 2: Select your sharing method (direct link or via social media)

Step 3: Share your link!

How long does it take for Referral Bonuses to credit?

Points are awarded once your friend has been approved and met the spend criteria. While it can take up to 10 weeks,  however in my experience, they can come through faster.

In Conclusion

American Express’s referral program is unique in the market, and it’s a fantastic incentive to recommend your credit card to a friend or family member. It’s an easy way to earn a good chunk of rewards without having to spend any money!

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