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Can I Refer Someone to a Business Credit Card From a Personal Credit Card?

June 13, 2019
5 min read
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Reader Questions are answered twice a week by TPG Senior Points & Miles Contributor Ethan Steinberg.

When American Express decided to bring back its popular, limited-edition, rose gold version of the American Express® Gold Card it did so in a unique way: through July 17, the card is available by referral only. This deal has sparked a frenzy of referrals, with happy travelers racking up bonus points while sharing a top-rate credit card with their friends. TPG reader Salesian wants to know if he can refer someone to the rose gold Amex from a business credit card ...

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[pullquote source="TPG READER SALESIAN "]I have the Business Platinum card. Can I refer someone to the rose gold Amex and get a referral bonus?[/pullquote]

The process of referring a friend to a credit card (a great way to rack up bonus points while sharing your points and miles knowledge) used to be relatively straightforward. If you had a card — like the Chase Sapphire Reserve — you could only refer friends to that specific product. Then Amex changed the game last fall by broadening referral bonuses so that you could refer from pretty much any card to any other card — including from a business card to a personal card (though it's worth noting that the issuer then sent out 1099s to those who received a referral bonus).

So the simple answer to Salesian's question is yes. However, the process does require a few extra steps, and you might need to walk your friends through it to avoid any confusion.

First, you need to login to your Amex account and find the Refer Now link. You can either send an email directly to your friend/family member or copy and paste a referral link. Then, when your recipient opens the link, the pop up window will indicate the card you used to refer them. In this example, it was The Business Platinum Card® from American Express:

However, note the verbiage on the pop-up box (emphasis mine): "Your friend will receive a referral bonus if you are approved for this card or any of the cards with a referral offer." This means that they can apply for the card they want, and you'll still get a referral bonus on the one you want.

To do this, your recipient should close the pop-up box, click on "Explore other options" link and then find the "Looking for a personal card" link.

From there, he/she will be redirected to the page with the limited-edition rose gold offer.

While Amex has greatly relaxed the rules around card referrals, it's not a complete free-for-all. For example, when I generate a referral link from my Marriott Bonvoy Brilliant™ American Express® Card, it only lets me refer someone to another Bonvoy credit card, not any Membership Rewards earning cards.

The reason this is so important is that the referral bonuses vary from card to card. For example, both The Platinum Card® from American Express as well as The Business Platinum Card® from American Express offer an amazing bonus of 15,000 points per approved referral, up to 55,000 points per calendar year. Those points are worth $300 based on TPG's valuations. Meanwhile, the Amex Gold card only offers 10,000 points per referral (worth $200), and some cards offer an even lower referral bonus.

Fortunately, selecting the card that gets you the best bonus won't impact your friend's ability to get the card he/she wants — including the rose gold version of the Amex Gold card.

Bottom Line

Referring friends or family members to one of your favorite credit cards is a great way to share the world of points and miles, and fortunately, Amex does allow you to refer friends from the Business Platinum to the limited-edition rose gold version of the Amex Gold card — and rack up the highest possible referral bonus in the process. Just remember the rose gold card is only sticking around until July 17, and who knows when (or if) we'll ever see it again after that.

Thanks for the question, Salesian, and if you’re a TPG reader who’d like us to answer a question of your own, tweet us at @thepointsguy, message us on Facebook or email us at info@thepointsguy.com.

Featured image by Getty Images/Hero Images
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards

2 - 6X points
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Annual Fee

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Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees
Apply for Marriott Bonvoy Business® American Express® Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best Marriott card for Business Owners
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

6X6x points at hotels participating in the Marriott Bonvoy® program.
4X4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2X2x points on all other eligible purchases.
  • Intro Offer
    Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.

    Earn 100,000 points
    75,000 points
  • Annual Fee

    $125
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

The Marriott Bonvoy Business Amex is a stacked card with a rewards rate that will help you earn bonus points on everyday and business-related purchases. You'll earn 15 elite night credits each calendar year, and receive automatic Gold elite status. Finally, the free night award certificate with a redemption level of 35,000 points or less can get you hundreds of dollars in potential value each year.

Pros

  • 6x points on eligible purchases at hotels participating in the Marriott Bonvoy program
  • 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers and U.S. shipping
  • 2x points on all other eligible purchases
  • Earn a free-night award each card renewal month (up to 35,000 points)
  • Receive 15 elite night credits to jump-start status
  • Transfer Marriott points to 40+ airlines

Cons

  • Airline points transfer ratios are poor
  • Must spend $60,000 in a year for second free-night award
  • Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
  • 6x points at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.
  • See Rates & Fees