amex referral refer a friend +4
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Amex has just switched up the Refer-a-Friend bonus for many (most? all?) Platinum/Gold/Green cardholders.

You can earn: +4 Membership Rewards points per dollar spent on eligible purchases for 3 months, on up to $25k when you refer a friend to apply by 12/1 and they are approved. Terms apply.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

MilesTalk Group moderator Tim noticed this morning that the Refer-a-Friend offers in his account were updated to this new offer, and I see that mind have been as well. The offer to refer ends Dec 1, 2021.

Very interestingly, when I look at a “standard” offer to refer someone, I have the standard 55,000 points per calendar year caveat. I do not have that language here, making me believe that because it’s being awarded as a bonus on spend, it doesn’t count against the limit. That’s golden. Importantly, I *think* that also means you won’t have to pay taxes on the bonus since it will be tied to spend (i.e. earned).

I see the offer on my American Express Gold Card, Green Card, Business Gold Card and Blue Business Plus credit card.

You’d want to ideally refer from whatever card you spend the most on and this is a fantastic offer for high spenders. Since it attaches on top of your spend at +4 points, that means that it’s over and above any bonus category. If you have the American Express Rose Gold Card, for example, you would earn 8 Membership Rewards points per dollar on dining and groceries.

Maxed out, if you spend $25,000 within 3 months, you are earning a minimum of 5X per dollar spent and a bonus of 100,000 Amex Membership Rewards points for the one referral. This would be great for paying estimated taxes and that’s what I’d do if I can get any referrals.

Perhaps you need a referral for a Rose Gold Card (possible bonus if you open in incognito mode of 75,000 points) or a Business Gold Card (possible incognito mode bonus of 90,000 points)?

(I have to take that shot 😉 )

Thoughts?

Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group.

And if this post helped you, please consider sharing it!

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.

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