Update 4/5/23 – The 130,000 Membership Rewards Business Gold offer is showing up again on referrals. I’ve also put a direct link at the bottom of the post that appears to work most of the time. I was able to get the 130K offer to appear using a fresh browser in Chrome, Edge, Brave and Firefox. Still YMMV, of course, and always make sure that you can’t get a household referral before using it. (h/t: Miles to Memories)
Starting last night there were some 130K links for the Business Gold card floating around, but we decided not to post anything at the time, because they seemed highly targeted. It seems like these offers are getting more common, BUT, they don’t always appear, can disappear without warning and seem to come and go with no rhyme or reason. Using a fresh browser seems to be essential.
Key Card Details
Click the card names below to go to our individual card pages to find more information and links to apply. (if you click on the card details you can see our card-specific page with the current public offer information, not the increased offer)
|Card Name w Details & Review (no offer)|
FM Mini Review: This card is pricey for one with few perks. Keep only if you make good use of one or two 4X categories.
$295 Annual Fee
Earning rate: Earn 4X on the two categories where your business spends the most each billing cycle from the following categories: ⚬ US purchases at restaurants ⚬ Airfare purchased directly from airlines ⚬ U.S. purchases for advertising in select media ⚬ U.S. purchases at gas stations ⚬ U.S. purchases for shipping ⚬ U.S. computer hardware, software, and cloud computing purchases made directly from select providers. 4X applies to first $150,000 in combined purchases in your two categories each calendar year, 1X point per dollar thereafter and on other purchases. Terms apply.
Card Type: Amex Pay Over Time Card
Noteworthy perks: 25% Airline Bonus: Get 25% points back after you Pay With Points for flights with your selected airline (or premium cabin with any airline). Terms Apply. (Rates & Fees)
This targeted referral offer is almost double the current best public offer. Even if you didn’t take advantage of any bonus category, this works out to 14x MR on $10K spend…an absolutely stellar deal.
This Business Gold referral offer DOES have the “Once-in-a-Lifetime” language. If you have had a Business Gold before (or within the last five to seven-ish years), you will not be eligible for this offer. Remember though, that in those cases Amex will almost never do a hard pull and will usually let you know that you’re not eligible for the bonus before you submit the application.
The ideal situation is if you’re in 2-player mode and one of the two can generate the referral. This could add anywhere from 10K -30K additional MR on top what’s offered here. I was able to turn the up the offer on several of my wife’s cards and successfully applied for the increased Business Gold offer on one, so our household will get a total of 145,000 MR from 10,000 spend. Wowza.
Given this, if you are in 2-player mode, make sure you test out ALL of the referral links on your MR earning cards on a variety of browser configurations BEFORE clicking on any links that you see on blogs/social media, etc. And remember that any MR-earning card can refer almost any other MR-earning card (with the exception of the Schwab and Stanley cards), so test out your Everyday Preferred, Blue Business Plus, Platinum etc. Just navigate to the “view all cards with a referral offer” button and click there.
You’ll see the full variety of options, including the ability to select either business or personal cards.
In the event that you can’t get a household referral, we’re going to do something that we almost never do: post a link that may not work for everyone. This is a link with which I’ve been able to generate the increased bonus on more than one browser, more than one time, primarily using Edge, Firefox and some variations of Chrome (and if all else, fails, don’t forget to try it on your mobile device – h/t: reader Brian). That said, it will NOT work for everyone and, remember, DO NOT click through unless you’ve exhausted all of your possible household options first…that is undoubtedly your best course of action.