Have you been blocked from making American Express referrals?
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Since October, an increasing number of HfP readers have reported that they are being blocked from referring people under the American Express ‘refer a friend’ programme.
Take a look at our forum here.
In their American Express account, they see the message “Your Account is temporarily unable to access the referral programme”. Why is this happening?
The bottom line is that no-one knows.
Amex’s T&C restrict the referral programme from anyone whose Amex account is in default but this does not cover the majority of people who are having issues. The only relevant clause in the referral programme terms and conditions is:
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.
Based on this thread in our forum, it seems that – if you call Amex – the staff can see a message about you on their screen but no-one has yet been told exactly what it says. No-one appears to have had the referral ban lifted.
Looking at the reports in our forum (and with the best will in the world, some people are unlikely to publicly admit abuse of the referral programme), it does not seem to be directly linked to:
- the number of people referred
- the ‘type’ of people referred (eg whether they are or are not obviously ‘friends and family’, which is a condition of referring people, presumably roughly verified by surname and / or geographic location)
Readers have quoted the following feedback from American Express when questioned:
“We base the eligibility for our referral programme on various factors relating to individual Card Members and their account history. This includes numerous factors affecting the Card Member profile, but we continue to monitor this over time.We automatically check the eligibility of their account at the time of login, as and when their circumstances change. You can start using your card and once circumstances change, you will again get the option to refer”
and
“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. You can start using your card, and once account will be in good standing, our team will automatically review, the option will be available to refer”
and
“I have done a deep check, and I am sorry to know that your refer eligibility is not available as of now. Eligibility is based on these and other factors: account history, bankruptcy, credit rating, lending behaviour, missed payments, participation in internal payment holiday programmes”
My best guess (and it’s only a guess, since Amex is not going to tell us if they are not willing to tell the people involved) is that it is based on the QUALITY of people you refer.
It is very likely that Amex tracks back the profitability of accounts to their original source. This allows them to focus their marketing efforts on places that bring them customers who are valuable over the long term, as opposed to those that deliver lots of sign-ups but who subsequently fail to renew.
It is possible – and this is only a guess – that if you have referred people who have subsequently closed their cards shortly after receiving a sign-up bonus, Amex may have decided that letting you continue to refer people is not a great idea.
I am only surmising, however. I would suspect that your own personal profitability to Amex is also a factor, since it would be sensible to give some leeway to their best customers.
The bottom line is that if you want to retain the ability to refer people to American Express cards, I would recommend that you are careful about who you refer and how they use the card once they have it.
Want to earn more points from credit cards? – April 2024 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 Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
5,000 Avios for signing up and an upgrade voucher at £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.
British Airways American Express Premium Plus
25,000 Avios and the famous annual 2-4-1 voucher Read our full review
American Express Preferred Rewards Gold
Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express
40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
18,000 bonus points 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:
SPECIAL OFFER: Until 12th May 2024, the Capital on Tap Business Rewards Visa card is offering a bonus of 30,000 points, convertible into 30,000 Avios. You must have a Limited Company to apply. Click here to learn more and click here to apply.
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
American Express Business Platinum
40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year Read our full review
Capital on Tap Business Rewards Visa
Huge 30,000 points bonus until 12th May 2024 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 Business Credit Card
1% cashback uncapped* on all your business spending (T&C apply) Read our full review
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