[Reminder] Awesome: Cross-brand Amex referrals now possible

Update 3/12/21: I have updated and am re-publishing this post that we originally wrote in October 2018 because in the wake of the awesome new referral offers on many Amex cards I have realized that some cardholders are still unaware of or have forgotten about the awesome capability for cross-brand Amex referrals and how to leverage them to get a great deal for both sides. The post now includes info on how to generate a link directly to the card they want so you can make it easy for the person you’re referring.

As reported by Doctor of Credit, there has been a major change in the way that Amex referrals work, and it is awesome. In the past, one was only able to refer others to a card that you carried — that is to say that if you had a Blue Cash Preferred card, you could refer people to open the Blue Cash Preferred and earn a bonus for that referral only if they opened a Blue Cash Preferred card. However, Amex has opened the flood gates and as a Blue Cash Preferred Cardholder (just for one example), you can refer people to nearly any card in the Amex portfolio. This is amazing because it means that you can hold a less desirable card, yet pick up referral credits for referring people to a more desirable card. This makes having multiple Amex cards extra awesome.

As an example, when I log in to my Business Platinum account, I can generate a referral link that is good for nearly any card in the Amex portfolio. After clicking my link, my friend just needs to click where it says “View all cards with a Referral Offer”.

They can then look at all of the various categories and use my referral to open an airline card, a hotel card, a Membership Rewards card, etc.

You can even refer from a business card to a personal card or vice versa. As an example, the link below is from an Everyday Preferred card. As you can see, I could use it to refer someone to a Hilton card, a Gold card, a Platinum card — or my friend could click “looking for a business card?” and see business card referral offers. I could refer someone to nearly any card in the Amex portfolio.

Unfortunately, those with a co-brand card are still limited to referring within the co-brand family (which is to say that a Delta card can only generate referrals to other Delta cards), though it now appears that you can cross-refer from personal to business at least.

The best part of this is that when you refer others, you receive the referral bonus based on the card from which you generate the referral link. For instance, my wife’s Amex Gold card has an offer for her to earn 30,000 points for each approved referral.

She can share that referral link with me and I can choose the card I want and she gets 30,000 Membership Rewards points (even if I choose a Hilton card or a cash back card). That’s a great deal that juices up the opportunity to score a lot of points in 2-player mode.

How to share a direct link to the card they want

If you’re doing this with a spouse, you can easily walk them through the process above for picking the card they want. However, if you’re sending your link to a friend or family member, you may wonder whether they’ll “get it right” and you’ll get credit for the referral. If you’re worried that the person using your link will get confused and mess something up, you can make it easier by giving them a link directly to the card they want.

For instance, if I click through my Amex Gold referral link, this is what I see at the time of writing:

Note that the 75K offer is targeted, so you may only see 60K when clicking through a Gold referral link.

If I click “view all Cards with a Referral Offer” at the top, I can then choose (for example) “All Personal Cards”

Let’s say that my friend wants to apply for the Delta Platinum card. I can find that offer and click the card name.

That will bring me to a landing page for the Delta Platinum offer. I can then copy the URL from the address bar and send that directly to my friend. When they click that link, it will bring them directly to the Delta Platinum offer and I’ll get the 30K Membership Rewards points referral credit on my Gold card when they are approved.

Bottom line

This cross-referral capability creates the potential to generate a lot of points if you have friends/family interested in bonuses and/or you’re playing in 2-player mode with a spouse/partner. You can pick up a terrific bonus for yourself while also referring your friend or family member to the best possible new cardmember offer. Keep in mind that Amex has clawed back points for self-referrals, so make sure you aren’t using your own link to apply for a new card. However, sharing your link with a spouse or other friend or family member is fine and a great way for both sides to get rewarded.

H/T: Doctor of Credit

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I got Amex Gold, but my referral generates only 60k bonus for Amex Gold. Any idea on how I can generate a 75k referral?


I don’t have the ability to refer all cards even though I have majority of the premium Amex cards, can only refer what i hold. Why is this the case


This is awesome

Last edited 1 year ago by Jerry

THANK YOU! I remembered this existed but didn’t see it right away yesterday when I was trying to use my Plat to refer P2 to Gold.
Figured I remembered wrong or it changed so I moved on. Sure enough, I was able to generate a 75k + $200 Gold referral.


Let’s call them cis and trans referrals.

[…] American Express has long offered generous referral bonuses and those bonuses have only gotten more interesting ever since Amex started allow you to refer from your card to many other cards (in some cases being able to refer someone to almost any Amex card and receive the bonus specific to the card you refer from – see this post for more details). […]

[…] it should be possible for you or a family member to refer another family member to the Gold card.  Remember that with most Amex cards, you can refer friends to any other Amex card.  The person who refers the other will earn a referral bonus plus 3 additional points per dollar […]


[…] A related technique for earning points is through credit card refer-a-friend offers.  Often it’s possible to get large point bonuses when a friend uses your referral to sign up for a card.  Amex even lets you refer friends to card you don’t have! […]

[…] referral credit (which varies based on the card from which you generate your referral link). See this post for more information. One unexpected change that came about since you could refer to any card was the ability to […]

[…] Earn Points by Referring Friends to Amex […]

[…] week we reported that Amex is now allowing cardholders to earn points by referring friends from one card to multiple diffe….  Previously, you could refer friends only to the same exact card that you have.  Now, however, […]


I don’t have the same interface so I have no idea how you’re getting to these screenshots. Can you create another post and walk through the process?


This has been available on/off on UK Amex cards for a number of months. Will be interesting to see if this has in fact been rolled out to the US too.


This is awesome! I can basically create referral links for every AMEX credit card publicly available.


That interface doesn’t show up for me