Credit Cards

How to populate an Amex Referral Link

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How to create Amex referrals

Did you know that you can use your current American Express card to refer someone? Sure, you can use your Gold card to refer someone else to Amex Gold. But what’s even cooler, is that you can use use your current Amex to refer them to almost any other American Express card. I’m going to show an example of how you can even refer Business to Personal and vice versa!

It’s something a lot of people don’t know about, but it’s a great way to earn a referral bonus even if your friend doesn’t want the same card. Let’s walk you through how to do it.

American Express has maintained a great referral program that incentivizes its current customers into referring new customers by rewarding them with bonus points for each referral ( up to 55k points per year ). It’s a fantastic way to earn bonus point. Historically, those referrals were limited to a specific card referring that exact card. It then moved to within a family of card, and in 2018 they opened it up to pretty much any card. The big exceptions are Delta cards.

The general Amex Refer a Friend link is here

As long as you’re logged in it should prompt all of the cards that are eligible to refer to other cards.

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Example: Using an American Express Business Platinum to refer to Amex Gold

Here’s what the referral option looks like for the Amex Business Platinum where the referral is populated

If you click that link you’ll see this:

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Keep scrolling down and you’ll notice the following menu

The original referral is highlighted. You can change it to “All Business Cards,” and this will give you the option to see all business cards you can refer to, or as the title suggests, personal cards as well.

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Here’s what you’ll see when you change it to Looking for a Personal Card

17 different offers populated for me. You see that my Amex Business Platinum can refer to cobrand cards as well – this is consistent for Amex cards that earn membership rewards. If you have a cobrand card, the referrals are more limited.

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a screenshot of a credit cardHow to then create an Amex Referral link to give to someone else

If you wanted to refer someone else to Amex Gold , you’d scroll down to Amex Gold and click “View Details.”

Amex Business Platinum referral –> Personal Cards —-> Amex Gold

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Copy the link in your browser – this is what you’d post on my site or send to friends/family.

You always want to open “incognito” since as you can see other offers may populate. Amex Gold ranges from 60k to 90k ordinarily.

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Use personal to refer a Business card.

If you wanted to refer someone a business card you can do so. The process is the same except you’d go to “looking for a business card” and populate business cards.

a screenshot of a referral bonus

You’d then see a list of business cards. If you click on view card details and copy the new link in the search bar, you’ll now be referring to that card.

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What bonus points do you earn?

Whatever the bonus that’s offered from the card that originated the referral.

  • Miles Amex Biz Plat referral —> Jenny signs up for Hilton Aspire —-> Miles earns Membership Rewards
  • Miles Amex Hilton Aspire —> Jenny signs up for Amex Gold —-> Miles earns Hilton Honors

Do referrals count as income

If you populate referrals you may end up receiving 1099 forms for each referral. On 55k points, you’d get one for $550, or roughly a penny a point.

Where to leave your referrals? On my referral pages!

I keep Amex referral pages where you can earn a shed ton of points whenever readers use them. Go there to leave links that correlate to the card mentioned.


This is a quick and easy way for you to earn more points via referral.

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

60k Points after $4k spend in 3 months

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • 60k points after $4k spend in 3 months
    • Worth $750 in Chase Travel℠ and way more if you maximize transfer partners
  • 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 Bonus
    • Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
  • Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
  • Points are transferrable to 14 Ultimate Rewards partners
  • Redeem in Chase Travel℠ for 1.25 cents per point
  • No foreign transaction fees
  • Suite of Travel and Purchase Coverage
    • Auto Rental Collision Damage Waiver is my favorite
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024
  • $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.

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


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