Amex Referral Bonus Increased to 40K Points
🔃 Update (Jun 26, 2025)
Some American Express cardholders are now seeing referral bonuses for up to 45,000 Membership Rewards points (HT: DoC). Please don’t share referrals in the comments. You can share them in our Facebook Group! Not sure how Amex referrals work? Learn more here.
🔃 Update (May 12, 2025)
More American Express cardholders are now seeing referral bonuses for up to 40,000 Membership Rewards points. Check your personal and business Amex cards to see if you have these increased bonuses in your accounts. You can share referrals in our Facebook Group. (HT: Alejandro in DDG Facebook Group)
🔃 Update (Apr 03, 2025)
More American Express cardholders are now seeing referral bonuses for 25,000, 30,000 or even 45,000 Membership Rewards points. Check your personal and business Amex cards to see if you have these increased bonuses in your accounts. This can be a great time to refer friends and family members to sign up for Amex cards. They get the signup bonus and you earn up to 45,000 points.
The best offer that’s showing up through referral currently is for the Amex Business Platinum Card which can earn you 250,000 Membership Rewards after spending $20,000. There’s also an offer for the Amex Business Gold Card for 200,000 Membership Rewards after spending $15,000. These offers do not show up right away for most people. You will need to play around with VPN, incognito, different browsers and Wifis, etc.
And remember that you can mow earn as much as 100,000 Membership Rewards points annually through referrals.
🔃 Update (Dec. 2, 2021)
American Express has now reverted back to the normal referral bonuses, from the limited time 4X offer. You can normally find referral bonuses as high as 30,000 Membership Rewards points. Check your personal and business Amex cards to see if you have these increased bonuses in your accounts. It can be a great time to refer friends and family members to sign up for Amex cards.
🔃 Update (Mar. 30, 2021)
More people are seeing this 30K referral bonus, plus the added bonus of +4 Membership Rewards® points per dollar on your eligible purchases at the following select U.S. home furnishing stores, on up to $25,000 in combined purchases for three months: Anthropologie – Home & Furniture, Bed Bath & Beyond, CB2, Crate and Barrel, Crate and Kids, The Home Depot, Lowe’s, Terrain, and The Container Store. You can also use referral links to apply for the increased welcome bonuses that get you an extra $200 statement credit for many cards.
Original article:
American Express has become pretty generous with referral bonuses lately. You can refer people to almost any American Express credit card, and you can get great bonuses as well. But as I’ve warned in the past, stay away from self referrals. American Express has clawed back these bonuses. Just have a friend or family member refer you, or vice versa.
Now some American Express cardholders are seeing some amazing offers in their accounts for inviting friends. Bonuses for some people have increased to 30,000 Membership Rewards points per each referral. The annual limit is still at 55,000 points per card. So now you can maximize it with just 2 referrals.
This seems to be targeted, so check your account and hopefully you have the increased bonus there. You can find referral links here. Plus, learn everything you need to know about the American Express referral program.
Guru’s Wrap-up
With the increased referral bonus, this makes every welcome bonus much better. It might even make sense to sign up for cards that are on the lower end of signup bonuses, such as Amex Blue Business Plus, which is a great product to have long term. Hopefully some of you are targeted, so you can refer your friends or family members.
Let me know if you see this increased 45K referral bonus.