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Limited time: American Express boosts referral bonuses for both you and your friends

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This article is sponsored by American Express

An easy way of earning a large bonus of Membership Rewards points or Avios is by inviting your friends and family to take out an American Express® Card.

For a limited period, from 7th April to 12th May 2021, American Express has SUBSTANTIALLY increased the bonuses on their ‘invite a friend’ referral programme.

Not only will your friends receive an increased bonus if they’re approved by 12th May 2021, but you will receive an even bigger bonus for inviting them.

You and a friend could share up to 74,000 Membership Rewards points or 42,000 Avios between you from just ONE successful referral (depending on the Card they choose).

How does American Express refer a friend work?

How does the American Express invite a friend programme work?

It’s very simple.

Log in to the American Express Referral Hub or the American Express® App and you should see a box.

The website and app allow you to generate your own unique referral link. You can pass it on to your friend and it will track your referral and allow American Express to award your bonus if they are approved.

How many points will my friend and I receive?

These are the special referral bonuses on offer until 12th May 2021. You will only receive the bonus if your friend applies and is approved for an eligible Card by this date.

For Membership Rewards Cards:

  • The Platinum Card®: you will receive 24,000* Membership Rewards points and your friend receives an increased bonus of 50,000 points if they spend at least £4,000 in the first 3 months of Cardmembership.

For British Airways cards:

Whilst not part of our core card coverage on Head for Points, this offer is also running on the following cashback Cards:

  • Platinum Cashback Credit Card: you will receive £40 cashback and your friend receives an enhanced bonus of £35 cashback if they spend at least £1 on the Card.

*Terms and Eligibility Apply. Log in to your Online American Express Referral Hub or American Express® App to see the latest referral offer available.

There is NOT an enhanced bonus for referring from The American Express Card, The American Express Rewards Credit Card, The Nectar Credit Card, or the Marriott Bonvoy American Express Card.

The offer does not apply to small business cards, although these cards do have their own refer-a-friend programme which you can read about here.

Do I still get the bonus if my friend fails to hit their qualifying spend, or does not qualify for a bonus?


Your bonus as the referrer is not dependent on the person you referred achieving the qualifying spend required to receive their own bonus.

Your friend must, however, be accepted by American Express by 12th May to be eligible for this limited time offer, otherwise they will receive the standard amount for being referred. You will not receive a bonus if their application is declined.

Can I invite a family member?

Yes, as long as the person is over 18.

Can I invite someone who already has a Supplementary Card on my account?


If you have a friend or partner who has a Supplementary Card on your American Express Account, why not see if they want to take out their own Card instead? You would receive a referral bonus and they would receive the higher sign-up bonus, subject to approval.

Can I invite someone for a different Card to the one I own?


When you send your friend the referral link it will default to the Card you own, but your friend can toggle to any other Card via the ‘View our other Cards’ button and choose the Card that best suits them.

This means, for example, that if you have The Platinum Card®, your friend could apply for the American Express Preferred Rewards Gold Credit Card, or vice versa.

If you do this:

  • you will receive the reward shown in the list above for the Card you own, and
  • your friend receives the reward shown in the list above for the Card they apply for, if accepted

For example, if you have The Platinum Card and you successfully invite a friend to the American Express Preferred Rewards Gold Card, you receive 24,000 Membership Rewards points and your friend receives 32,000 Membership Rewards points as part of this limited time offer.

What is the most I can earn from referral bonuses?

Each Card has its own limits. These are, depending on the reward offered by your Card:

  • 90,000 Membership Rewards points, or
  • 90,000 Avios, or
  • £150 cashback

Here is an example of how it works.

If a holder of The Platinum Card® referred four people during this promotion, and had made no other referrals in 2021 so far, they would receive 24,000 Membership Rewards points for the first three successful referrals.

The fourth successful referral would earn 18,000 Membership Rewards points to reach the 90,000 points annual cap.

Subsequent successful referrals will not receive a bonus, although the recipient of the referral would still receive the higher bonus.

The limits are per calendar year and reset on 1st January.


The American Express invite-a-friend programme was always a good way of boosting your Membership Rewards points or Avios.

This new offer is far more generous than anything we have seen before. Have a think about who you could invite by 12th May…..

Please note these offers are correct at the time of writing, and available to eligible American Express® Cardmembers for a limited time. From 7 April 2021 to 12 May 2021, Cardmembers holding select products will receive this limited time offer if their friend applies for an eligible American Express® Card and is approved by 12 May 2021. Cardmembers should allow up to 8 weeks to receive additional referral bonuses once their friend is approved.

Login to your American Express Account or American Express® App to read the full Terms and Conditions and see the latest referral offers available.

If you are eligible to participate in the Referral Programme, you may refer as many friends or family members as you wish but there are annual limits on the rewards you can earn through referrals. Please visit to find out more. Please only refer friends and family who are happy to receive information from American Express. You can earn up to a maximum of 90,000 bonus points or a maximum of £150 cashback per calendar year if you hold a cashback product. Your friend must apply via the link you share with them to ensure you both receive your bonus. All introductory offers are subject to change and can be withdrawn at any time. Your friend will receive rewards depending on the Card they choose and their spend on this Card. Your Card Account’s eligibility to participate in the Referral Programme is based on your overall credit rating and other factors including your Account history with American Express. If payments to your American Express® Card Account are not kept up to date, you could lose your bonus points.

Comments (110)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Josh says:

    Has anyone referred from business plat to plat and received no sign of a referral bonus?

    Did this a week ago, plat user is now using their card, still no sign of my bonus points and they are only seeing the 30k points welcome bonus, not the 50k they originally saw and applied for.

    • Rob says:

      Don’t worry about the bonus tracker, they never get adjusted for promos.

      Cross-referrals between business and personal cards are notoriously buggy, and if you complain you are likely to be told that they are actually banned, despite the Amex website letting you do it.

      • Josh says:

        Interesting. So what do you recommend? Sitting and waiting? I actually asked on the phone about plat biz to plat referral and they put me on hold, clarified and confirmed it’s fine.

  • Darren says:

    So I have amex nectar, I was gonna refer my wife to get the gold to exchange to nectar point. Am I better off asking a stranger to refer my wife for the gold card?

    If I refer her, I get 5k, plus 22k for the gold = 27k
    A strange refer her, she gets 32k points.

    • Rob says:

      That’s not how it works, as our article explains. She gets 32k regardless.

  • Darren says:

    So you are saying if I (nectar) refer her for the gold. Even though I did not have the bonus offer on my account, my wife will still get the higher bonus rate, surely not(?)

  • Winnie says:

    Advice needed

    Person A have nectar refer person B for gold
    Person B refer person A for platinum
    Person B do not want another amex card as she cannot hit spending, can person A refer person B for a zero fee card (bacc/cash everyday/ aerc/nectar) just so person A can get 24k referral point from platinum.

  • Michael says:

    I have a Gold Business Amex.
    If my husband referred me from his BA Premium for a Personal Gold would I qualify for the introductory offer: Amex said I can’t have 2 gold rewards benefits at the same time ?? Not sure if this is correct

    • Rob says:

      Yes, you’re fine.

      The personal Gold bonus rules say that you can’t have had a PERSONAL Membership Rewards card for 2 years. The Business Gold doesn’t count.

  • R C says:

    Any ideas on what a referral from Business Plat to BA Premium Plus earns for the referrer? Do self-referrals still work?

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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