Amex Refer a Friend: eligibility and rewards are account-specific

Campaign overview

Eligible Card Members can earn the Membership Rewards, cash back or other benefit shown in their personalized Refer a Friend offer.

Eligibility

Only Amex-selected primary members of eligible personal or business cards may participate; card type, creditworthiness and account history can affect access.

Steps

Sign in on the Amex site or app, open Refer a Friend, select the card, review the terms and share the unique link.

Timing

Posting time, annual cap and the friend’s welcome offer follow the personalized terms in effect when the link is shared.

Important note

Do not treat another member’s screenshot or an old amount as your guaranteed offer, and do not disclose a friend’s application information.

Information checked on August 22, 2026. Programs can change; review the official source immediately before applying.