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This update just went through, but you’re now limited to 5 Amex referrals per year, per card…not per person. You can see it now when you log in and go to refer. Digging deeper into the terms and conditions is where you’ll find the language regarding per card vs per account. For instance, if you have a Gold card and a Delta card you can earn 5x on both. This makes it even more important to refer when the referrals are highest. A positive to these changes is that the limit reset on 4/8/26… so if you earned points prior to today, well, you can earn 5x more. H/T DOC
We keep referral pages…feel free to drop links
- The Platinum Card® from American Express
- American Express® Gold Card
- The Business Platinum Card® from American Express
- American Express® Green Card
- American Express® Business Gold Card
- Hilton Honors American Express Aspire Card
- Blue Business® Plus Credit Card
The thing I’m not 100% certain on is…let’s say you have an Amex Gold card. If you set those referrals to populate a different card, say an Amex Platinum, do you get 5x originated from the Gold, or is the card people are signing up for? If anyone has clarity on that, lemme know.
Terms via Amex
Referral Bonuses.
- You can earn a referral bonus up to a maximum of five (5) times per calendar year. If you make more than five (5) eligible referrals in a calendar year, your friend could still earn a welcome offer, but you will not receive a referral bonus.
- Prior to 4/8/2026 at 12:00 AM (E.T.), the maximum number of rewards you could have earned per calendar year varied depending on your Card:
- If you have a Platinum Card®, Business Platinum Card®, American Express® Gold Card, Business Gold®, American Express® Green Card, Business Green Reward Card, Blue Business® Plus Card, or Business Gold Rewards Card, your maximum annual limit was 100,000 Membership Rewards® points per calendar year.
- If you have a Blue Business Cash® Card, your maximum annual limit was $1,000 in statement credits per calendar year.
- If you have a Blue Cash Preferred® Card, Blue Cash Everyday® Card, or Graphite™ Business Cash Unlimited Card, your maximum annual limit was $1,000 Reward Dollars per calendar year.
- If you have a Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, Hilton Honors American Express Aspire Card, or Hilton Honors Business Card, your maximum annual limit was 140,000 Hilton Honors Bonus Points per calendar year.
- If you have a Marriott Bonvoy Bevy® American Express® Card, Marriott Bonvoy Brilliant® American Express Card, Marriott Bonvoy Business Card, or Marriott Bonvoy® American Express® Card, your maximum annual limit was 100,000 Marriott Bonvoy® points per calendar year.
- If you have a Delta SkyMiles® Blue American Express Card, Delta SkyMiles® Gold American Express Card, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Gold Business Card, Delta SkyMiles® Platinum Business Card, Delta SkyMiles® Reserve Business Card, your maximum annual limit was 100,000 Bonus Miles per calendar year.
- If you have any Card other than the ones listed above, your maximum annual limit was $1,000 in statement credits per calendar year.
- As of 4/8/2026 at 12:00 AM (E.T), all eligible Card Members can earn a referral bonus up to a maximum of five (5) times per calendar year.
- If your friend got a Card from your referral link between 1/1/2026 and 4/7/2026 at 11:59 PM (E.T.), the referral bonus you earned counted towards your previous currency-based annual limit.
- If your friend got a Card from your referral link after 4/8/2026 at 12:00 AM (E.T.), the referral bonus you earned counted towards your reward limit of five (5) referrals per calendar year.
- Prior to 4/8/2026 at 12:00 AM (E.T.), the maximum number of rewards you could have earned per calendar year varied depending on your Card:
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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