Amex just can’t stop making it rain: targeted Business Gold offer for 130K (Highly YMMV)


Someone needs to take Amex’s keys, because they shouldn’t be driving home. Just this morning, we wrote about a publicly available link for the Consumer Gold card that set a new standard for highest pure points bonus at 100K. Starting last night there were some 130K referral offers 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 referral 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 for most of us to see the offer.

Key Card Details

Click the card names below to go to our individual card pages to find more information and links to apply.

Card Name w Details & Review (no offer)
American Express® Business Gold Card

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.

Annual Fee: $295

Card Type: Amex Pay Over Time Card


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.

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)

Quick Thoughts

Using a fresh browser is key to finding the 130K Gold offer

This targeted referral offer is almost double the current best public offer (if you click on the card details you can see our card-specific page with the current public offer information). Even if you didn’t take advantage of any bonus category, this works out to 14x MR on $10K spend…an absolutely stellar deal. That said, don’t sleep on the Gold offer from earlier today if you’re eligible for both. While it has 30K less miles, $4k is much easier for most folks to hit and the Gold will probably be a more valuable card over the first year for most people because of the bonus categories. And it doesn’t require you to do a rain dance to make it appear.

Like the Gold offer from this morning, 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.

With that in mind, 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 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 might die before anyone can use it…so we reserve the right to delete it at any time. Remember, DO NOT click through unless you’ve exhausted all of your possible household options first…that is undoubtedly your best course of action.

Direct Link #1 (Tim’s family link)

Once we have a chance to see how things develop over the next 24 hours, we may have more dependable links to share. In the meantime, happy hunting!

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30 additional minutes of persistence paid off and I generated the 130k offer!

Used Brave Incognito with a VPN set to Miami, opened using the referral link from FrequentMiler’s post….then was able to open a new tab in the incognito browser, drop my P2 link’s in and it also came as 130K.


Wow!! That’s such an amazing find Chris, it worked for me also!! I thought it was impossible for me to generate the 130k with my own referraI. I got it in Mozilla incognito. THANK YOU SO MUCH!!!!!


Thanks so much for the tip on using VPN set to Miami! I was having no luck and as soon as I did that it came right up in Firefox Private mode.

Last edited 10 days ago by Lon

what VPN are you using?

Last edited 10 days ago by slaven

Nord VPN and connecting to Miami server.


thank you. ended up not needing a VPN just more referrals to try out on Brave incognito.


Brave gives ability to use VPN set to Miami?

Last edited 10 days ago by slaven

Brave is just a browser, it does not have a VPN.

Cyberghost VPN is what I used, they have a free 24 hour trial (no CC needed) if you need something just to get this offer to show.


thank you, never used Brave before and noticed it had lots of privacy setting changes so figured maybe it comes with….

I finally got Brave incognito to work on 1 of my 6 referrals.


Has anyone been able to generate a 130K link today (6/18)?

I’ve been able to trigger 85K, but across browsers, VPNs, mobile/desktop devices and referral links have not been able to get higher after an hour or two of trying.


same here


Dang, didn’t get it on my first try but then private mode on Brave pulled it right up. Now unsure what to do- $10k is a lot of spend for me right now. trying to stay under 5/24 though I get pop-ups on all the personal cards anyway (but get prequal offers on the biz side, what gives, Amex?)


So I got the 130k to show up but am receiving a prompt that I am not eligible because I “have or have had” the card– both of which are not accurate. I did recently make myself an AU for my wife’s personal platinum (gold AU card off her platinum account)– any tips or advice? Thanks!


Thanks, I just used Erin’s link and got the offer in a Firefox private window on the first try. Approved and they are rushing the card to me!


Incredible — I was going to apply for this card today anyway. Couldn’t get higher than 85k to show on my computer or phone using Chrome or Firefox, whether in a regular or incognito window, with or without a VPN, using home wi-fi or a mobile network. Tried it on my partner’s phone (same wi-fi network) and it pulled up the 130k on the second try with Tim’s link, in Chrome incognito mode. Maybe because my computer has Amex history and my phone has the Amex app? Confirmed the bonus through chat. Thanks for making this Monday the 13th a lucky one!


I was able to pull up 130K from Tim’s link on the second try. But I can’t recall if I had Gold Business card before. Is it safe to rely on Amex telling me whether I’m eligible?


can’t seem to see a 130k offer with any of my links or with Tim’s link. Tried all 3 browsers in private modes. Best I can see is up to 85k for the business gold. Be interested to see if anyone can still see it today.


By mobile, maximum I am able to see is 85k as well.


And over at CHASE…..crickets….


I don’t know if you all have posted about this, but I also see an elevated business platinum offer in my referrals. I can consistently open a 150,000 point offer for $15,000 in spend. Same incognito trick. Only seems to work when referring from some of my cards, but not all. Happy to share the link to test if asked.


I can’t find the “view all cards with a referral offer” button! All I see is the Refer a Friend tab and it only lets me refer whatever card I am signed in on. Can you help?


I generated the 130k offer on the first try with a 30k referral link – desktop computer, chrome browser (non-incognito mode). Awesome deal in two player mode.

Thanks for the heads up guys!


Thanks guys. Worked for me in Firefox too. Didn’t work in Chrome/Safari/Edge.


Yessssss I got the referral link from my account (20k) to show the 130k offer for P2 in Firefox private window after trying Chrome/Edge private browsers with no success. 150k points total for $10k spend, not too shabby at all. Thanks for the tip to try our own referral links in private browsers first, that’s why you guys are the best!


They know the economy is about to fall through the floor…..and so will Membership Rewards.


Tim, I did the rain dance with your link and got it to work on my phone. Tried Edge and Chrome on my computer without success, even in incognito mode, but it worked the first time on my phone. Huge props to you guys for posting that link. I really appreciate it!

[…] Frequent Miler情報によると、人によっては紹介リンクで130kが出てくることもあるようです。 […]