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Final weeks to earn 4x bonus points (or 4% cash back) when you refer a friend to American Express

Nov. 13, 2021
7 min read
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Update: Some offers mentioned below are no longer available. View the current offers here.

Time is running out on a limited-time offer with one of the easiest ways to earn rewards points — referring a friend or family member to a credit card.

Eligible cardmembers of select American Express credit cards have just a few more weeks to earn a special referral offer when someone applies and is approved for a new card using their personalized referral link. Cardmembers will earn an additional 4x Membership Rewards points — or an extra 4% cash back — on up to $25k spent on eligible purchases for three months after the applicant has been approved (as long as the application is received by Dec. 1, 2021). Terms apply.

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Even better? This doesn’t count toward your annual limit on referrals, so even if you’ve hit that cap, you can still partake in this limited-time promotion.

Many personal and business cards are eligible for this referral offer — so you can refer a friend, family member or a small business owner.

However, this offer is ending soon. In order to receive an additional 4x Membership Rewards Points (or 4% cash back) for three months, your link must be used to apply for a new Amex account by Dec. 1 — and your friend or family member must ultimately be approved.

This is a stellar opportunity to make the most of any upcoming expenses — and comes right in time for holiday shopping.

Here are the details of Amex’s latest referral offer.

About the offer

With this enhanced referral offer, you can earn an additional 4x Membership Rewards points or an extra 4% cash back for every dollar you spend — on up to $25k in eligible purchases — for three months after someone is approved for an American Express credit card using your referral link. Note that the application must be submitted by Dec. 1, 2021, and it must ultimately be approved to unlock the bonus.

This offer is available to eligible cardmembers of select personal and business Amex cards. All you have to do is make sure that someone applies for a new card using your personalized referral link, and you’ll earn the additional points or cash back on your eligible purchases for three months after they’re approved.

To get started, visit this link and log in to your American Express account. Select the card you want to refer and review the offer details, then choose how you want to share your referral.

Related: Amex credit card showdown: Blue Cash Preferred vs. Blue Cash Everyday

Many personal and small-business American Express cards are included in this new referral offer. (Photo by John Gribben for The Points Guy)

Who’s eligible

Current eligible cardholders can take advantage of this enhanced referral offer the moment their referral link is used and the application is approved. The offer is available to cardmembers with the following personal and business cards:

The information for the Amex Green and Amex Cash Magnet cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

You’ll notice that this referral bonus is available on many personal and business cards, so you can send your link to a friend, a business owner or both — and enjoy points or cash back.

Unfortunately, Amex’s many cobranded cards — including those with Delta, Hilton and Marriott — are excluded from this offer.

Related: This might be the best Amex card combo: Amex Gold and Amex Business Platinum

How you can make the most of this offer

There are already several ways to earn bonus rewards for every dollar you spend with certain American Express cards. For example, the Amex Gold Card already comes with 4x points at restaurants, 4x points at U.S. supermarkets (on up to $25,000 in yearly purchases; then 1x) and 3x points on flights booked directly with the airline and on American Express Travel. The card has a $250 annual fee (see rates and fees). Terms apply.

But when someone is approved for a new card through your referral link, you’ll earn an incredible 8x at restaurants, 8x at grocery stores and 7x on flights for the next three months.

For eligible Amex Platinum cardholders, this will allow you to earn 9x points on flights booked directly with the airline along with flights and prepaid hotels booked at American Express Travel — an increase to the 5x points you already earn on these purchases (on up to $500,000 on these purchases per calendar year).

Related: Here are 9 of our favorite ways to use Amex Membership Rewards points

Cash-back cards are eligible for the enhanced referral offer as well. With the bonus, cardholders of the Blue Cash Preferred can earn the following for three months after a friend is approved for the card with their referral links (terms apply):

  • 10% cash back — 6% plus additional 4% — at U.S. supermarkets (on the first $6,000 on U.S. supermarket purchases each calendar year; then 1%)
  • 10% cash back — 6% plus additional 4% — on select streaming services
  • 7% cash back — 3% plus additional 4% — on transit purchases and at gas stations
  • 5% cash back — 1% plus additional 4% — on everything else

And business owners can take advantage of this latest referral bonus offer as well, with plenty of opportunities to earn rewards.

Related: Card showdown: Amex Business Gold vs. Amex Business Platinum

Remember too that your friends, family members or fellow business owners don’t need to get the specific card to which you refer them. You refer whichever card you’d like to receive this offer on, and they can choose whichever cards work best for their needs.

Just keep in mind that your referral must apply by Dec. 1, 2021 and be approved for an American Express card through your unique link to earn this offer — and your three-month window for earning these bonus rewards starts at the time of approval.

Bottom line

You have just a few weeks left to earn a referral bonus of 4x points (or an additional 4% cash back) for three months after someone applies and is approved for select American Express cards through your personalized referral link. Applicants must apply by Dec. 1 and be approved for this bonus to apply.

This new offer is available on some of Amex’s most popular personal and business cards, including the Amex Platinum, Amex Gold and the Blue Cash Preferred. The additional rewards are earned on up to $25k in eligible spending and is applicable even if you’ve already hit your annual referral cap — though standard spending limits still apply.

Don’t miss out on the opportunity to earn additional Membership Rewards points or cash back for a limited time. Refer your friends, family members and fellow business owners now.

For rates and fees of the Amex Gold card, click here.

Featured image by Getty 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.

TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
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 Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • 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.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023