(New links needed) Amex Business Gold Card: 130k referral offer is back again


Update 4/4/24: Similar to the 150k Business Platinum offer, referral links to the 130k Membership Rewards points welcome offer on the Amex Business Gold card expired yet again.

It seems like different people are now targeted for being able to refer to this offer, so we’d like to get updated referral links on the Facebook referral thread (please see instructions in this post). Please only leave your referral link if it specifically states when obtaining the link that your friend will earn 130k points; if it says they’ll earn something like 70k points but when opening your link in a certain way it shows the 130k offer, those links aren’t eligible and will be removed from the referral thread.

Original post follows.


The 130,000 points referral offer for the American Express Business Gold card is back again. This targeted offer gives 130,000 Membership Rewards points on $10,000 spend and is only available via referral. This is the offer you’ll find on our Best Offers Page as it’s the best one out there.

This 130K offer is 60K points better than the current affiliate offer of 70K that you’ll see on most points and miles sites. However, there is an even better 150K targeted offer that’s available to some folks. It’s worth seeing if you can generate that offer before applying for this one. If you’re in 2-player mode and one of you has the 130K referral showing on your card, applying via a household referral would be even better, with a total haul of 155K Membership Rewards.

We’ll be collecting reader referral links for those who were targeted so we can share them with others on our Best Offers Page. The details on how to participate with your link (if you are targeted) are below.


a screenshot of a credit card

The Offer & Key Card Details

Click the name of the card below to go to our dedicated card page for more information and a link to apply.

Card Offer and Details
100K Points ⓘ Non-Affiliate
100K points after $8K spend in 6 months + 10x on dining for 6 months (on up to $25K in purchases). Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 175K after $8k spend (referral only, expired 4/8/24)
FM Mini Review: This card is absolutely loaded with high end perks. Depending upon your situation, those perks may be worth the annual fee or much more.
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel ✦ 5X points for prepaid hotels booked through American Express Travel
Base: 1X (1.55%)
Travel: 5X (7.75%)
Card Info: Amex Pay Over Time Card issued by Amex. This card has no foreign currency conversion fees.
Noteworthy perks: Up to $200 a year in statement credits for incidental fees at one qualifying airline per calendar year ✦ $200 prepaid hotel credit per calendar year valid on Fine Hotels & Resorts and The Hotel Collection bookings ✦ Up to $20 per month rebate for Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and/or The Wall Street Journal ✦ $15 monthly Uber or Uber Eats credit ($20 in December, use it or lose it each month) ✦ $189 CLEAR fee reimbursement per calendar year ✦ $12.95 (+tax) monthly credit for Walmart+ monthly membership subscription credit when you pay with Platinum card ✦ Up to $100 in credits annually for purchases at Saks Fifth Avenue (up to $50 in credits semi-annually) ✦ Priority Pass membership (Lounges only) with 2 guests and other airport lounge benefits (Centurion and Delta) ✦ Rental car elite status ✦ Marriott Gold status ✦ Hilton Honors Gold status Enrollement required for some benefits. Terms Apply. (Rates & Fees)

Quick Thoughts

This referral offer is targeted, meaning that only some Business Gold card holders have the ability to generate a link for it — but the offer itself is publicly available to anyone applying through a qualifying referral link (like the one on our Business Gold card page). Those cardholders who have the ability to generate a 130K link will see it advertised in the “refer a friend” section of their login — it shows the bonus that you’ll get as a Business Gold cardholder and that your friend will get 130,000 points (whereas most of us only have a referral offer for 70K points for our friends). This is similar to a situation we saw earlier this year where only a relatively small number of Platinum cardholders had the ability to refer to the very best offer.

Keep in mind that this Business Gold card welcome bonus is not available to those who have or have had card before.

We want your 130K offer referral links

Here at Frequent Miler, our Best Credit Card Offers page always links to the best available welcome offer, even if that’s not an affiliate link. The best offer for the Amex Business Gold card through affiliate channels is currently only 70,000 Membership Rewards points, that’s why you’ll see many other points and miles sites hawking that inferior version.

However, we always present the best offer for new applicants, even when it doesn’t benefit our site through affiliate commissions. We want to share the wealth by using readers’ referral links on the site. We will need reader links for the 130K offer.

If you’d like to have your referral link shared on the Best Offers page, here’s what you need to do:

Step 1: Check your referral link

You can find your referral link here, or by logging in to your American Express account and scrolling down to the ‘Refer A Friend’ link at the bottom of the page and clicking on that. Note that you might need to change your card at the top of the referral page so that your Amex Platinum card is selected.

Before sharing your referral link, please ensure that it generates a link to the offer giving new applicants 130,000 Membership Rewards points after $10,000 in purchases. Not all cardholders can generate the superior offer, so please check first.

Step 2: Join the Frequent Miler Insiders Facebook group

If you’re already part of our Facebook group, you can skip this step. If you’re not a member though, you’ll need to join this group. Note that you’ll be asked a question or two (depending on if you try joining on mobile or desktop) to ensure you’re not a bot. Please answer that question(s), otherwise you won’t get admitted to the group in order to do step 3.

Step 3: Share your link on the dedicated thread

We have a dedicated thread set up to share your 130K, so please only share your referral links here as a reply to the first comment. We’ll then work our way through the links for as long as this increased offer is only available via referrals. We will rotate through links there regularly to try to give as many readers as possible a chance at picking up a referral bonus.

Please don’t share your referral link as an individual post in the group as it’ll just get deleted. Please also don’t share a non-130K referral link as that’ll get deleted too.

Comments on the blog with links automatically get caught in our spam filter and will not post. Instead, the above Facebook thread is the only place we’ll be accepting referral links (sorry if you’re not on Facebook).

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I maxed out the referral offer thanks to Frequent Miler. Thanks for putting your readers ahead of maximizing profits.


Aww man, I never get the good referral offers.


I tried for this card @150k before the 2/1 AF increase…no luck, still in pop up jail.

Paul Irwin

Any NLL offers?


If you never had the Gold card but have the platinum card… would you be able to get the bonus?


worth applying if already had biz gold? the language only says “You MAY not be eligible to receive…”


Is there also a referral thread for the 150k business platinum offer?


Also wondering!



Last edited 5 months ago by Jay

My P2 had the 25k bonus on her home page but only 70k for referee on home page. BUT….when I clicked on link in a different browser:….BOOM!!! 130k!!!!


Is there any other way to share besides FB? I deleted mine years ago.

Hc Lee

How long does it take to get approved for the fb group


I’d share my link, but I won’t join Facebook to do it


Smart man

Ed Ward

Agreed. Won’t join. Watch for a reported 7 billion dollar class action by ad agencies. I don’t trust META (FB).