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REMINDER: Share up to 74,000 points per card referring your friends to American Express

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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.

74,000 points would require a Platinum cardholder to refer someone for the same card. 42,000 Avios would require a British Airways Premium Plus cardholder to refer someone for the same card.

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 site or the Amex app and you should see a box like this:

Amex referral bonus April 2021

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 travel cards which are on offer until 12th May 2021.

You will only receive the bonus if your friend applies and is approved by this date. You should apply 24-48 hours earlier than the deadline if you can just in case Amex needs more time to consider the application.

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 three months

For British Airways cards:

What can I do if I want to apply but don’t know anyone with an American Express card?

Don’t worry. Drop us an email at [email protected] and we will sort you out with a link. You will benefit from a bigger bonus that if you applied directly.

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. As long as your friend is accepted, you will receive your part of the bonus.

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

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 …..

Want to earn more points from credit cards? – August 2022 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

Comments (60)

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

  • Voltron says:

    Think will try another cheeky 24k referral before promo finishes. I checked my credit report and didn’t get a hard search for last amex card referral, only a soft search which is a positive. Before I’m sure amex used to do a hard search even if you were an existing card holder.

    • Polly says:

      Are you talking about a self referral or referring someone else? There is not usually a search when you refer someone else, never experienced that!

  • IanM says:

    Very cheeky and disrespectful, if we all did that there would be nothing to read but pages of referral links

  • IanM says:

    What about a referral for the AMex Nectar card? I am presuming that still works for a 24k referral bonus, but is there a double bonus for the referee in that situation ie 40,000 nectar points instead of 20000??

    • Pid says:

      Yes you get the 24k referral bonus but the sign up bonus is 21k for £2k spend.

  • Julian says:

    It seems that HfP is very good at getting to “Know” all its members then. No wonder they started having the HfP member parties……

    Also if this was a serious restriction then surely Amex would limit the total number of other members that could be referred by each individual cardholder?

    Suppose it must be time to apply for a BAPP Amex then as I will otherwise soon have to pay much the same fee for my Preferred Rewards Gold card after its first free year………

    Do find it slightly annoying Amex requires you to write your own personal email to friends trying to get them to sign up and won’t simply send a promotional email of its own to those email addresses that you provide to them but with the points still coming back to the referring member if it is taken up. Also find it very annoying BAPP voucher can only be used to upgrade someone else rather than to upgrade yourself on a flight if you are a single person. Why won’t they give their members a choice on that front?

    Surely anyone who self refers for another Amex card is in violation of Amex terms and conditions and might end up being blacklisted as a cardholder?

    • Kevin C says:

      Different rules apply to HFP as they have a financial advisors license or something. I don’t think they don’t have the cap on referrals. And they deserve the referrals too.

      • Kevin C says:

        So they don’t need to “know” to refer.

      • Rob says:

        I have the usual 90k cap, but I can still give you a link so you get the higher bonus.

  • Secret Squirrel says:

    How long does it take for the Plat 24k bonus to hit the referrers account after the person referred has been accepted?

    • Benilyn says:

      Can be as early as 36-48 hours…

    • P4D says:

      Has usually come through next day recently, previously would be the day the card was sent out (typically a few days later)

  • Mike says:

    Yusuf – Posting your own referral code shows a lack of respect. A apology to Rob by email would be appropriate.

  • Jon says:

    How long do you need to keep the card to keep the bonus Avios?

    • Steve says:

      The Avios transfer over monthly, once that’s happened you can safely close the account whenever you like

  • Geoggy says:

    I still don’t understand if I have a BAPP if I can get a bonus for taking on a Plat card?

    I haven’t had an MR Amex for well over 2 years.

    • sayling says:

      That would be self referral, which is bad

      • Geoggy says:

        I’m not talking about self referral. I was going to get a referral from a friend or my wife – but no point if I don’t get the bonus for the spend

      • ChrisW says:

        Is self referral not allowed, or just discouraged??

        • Rob says:

          Amex in the US showed little mercy when they started cracking down, even going back 2-3 years.

    • Rob says:


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

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