One of the most used financial tools today is the credit card. And that’s for good reason, as they have certainly become everyone’s best friend. They are efficient and safe, as you don’t have to carry cash around with you.

That’s why you have a number of referral programs that are aimed at credit cards. That means that you, too, can gain the said rewards when it comes to referrals. Especially if you are a holder of the Amex cards in the U.K.


You can learn more about the number of rewards that you can earn when you refer others to use Amex cards by reading this piece. Info on how you can enroll in the said referral programs can also be found here.

What You Get When You Refer

First of all, before you can go ahead and refer any of your friends or family members, you should know exactly what you’re getting in return. There is a chance to earn yourself up to 50,000 points when you finally refer to your family and friends. That’s 50,000 points for every referral you make through Amex.

What is most exciting, however, is that the points you earn aren’t a one-time deal; you get to earn them annually. That’s 50,000 points for every friend and family you refer per year. To get the points, you have to be a holder of an approved American Express credit card.

Who to Refer

If you have a number of friends, family, and even acquaintances, this is the right referral program for you. Amex, however, requests you to only invite the people who you know. This is to avoid people abusing the program and spamming all across social media.

You also get a social media link that you can use to refer your other social network friends. But, there is a catch to when you use the link to invite people through social media. You have to disclose that you are going to get compensated when they sign up.

That isn’t a tough task, especially if you’re looking to earn the 50,000 points per year that every referral gets you. You get the compensation once the referee applies and goes on to get approval for using the card. They need to have used your link for you to get any compensation.

Which Cards Fall Under this Referral Program?

There are obviously a number of cards that you can use to refer your friends and family to Amex. There are rules, however, that you need to follow. For example, if you have a co-branded card, you can only refer to that suite. If you have a Hilton Card, you can’t refer to a Delta Card, and so on.

That rule has its own set of restrictions, too; it only applies to the premium/platinum cards. For regular cards, you can refer to any card within the category and will sail over smoothly. Any American Express card can be referred to as long as it is a regular card.

How to Refer

Now, getting to the main reason as to why you are here, to refer your family and friends. You should log in to your account – your American Express account. Select the card you want to refer to your family and friends. Click on the refer button and then enter the email address of the person you want to refer to.

How Many Points Per Card?

Before letting you go, you want to know just how many points per card can you earn. You probably have a number of cards on you.

  • The Platinum Card® from American Express

The first card on the list is this platinum card that you can use to earn 15,000 points per referral. The annual limit is set at 50,000 points, however.

  • Hilton Honors American Express

The Hilton Honors card earns you the most points per referral, and you can earn 20,000 points. The annual limit of points you can earn with this card is set at 80,000 per year.

  • Amex EveryDay® Card

One card for everyday users as its name suggests earns you 10,000 points. You also get a limit of 55,000 points annually that you can earn from your referral.


Earning points while you only have to refer your friends is the easiest way to accumulate points to your card. That’s what Amex is giving you a chance to do with the referral program. Though the points may be capped as to how many you can earn per year, it still is a win for you.