Published on November 14th, 2018 | by William Charles92
American Express Universal Referrals – Self Referrals Working & How To Maximize (E.g 30,000 Points On BBP)
Update 11/14/2018: As mentioned briefly in this post the Business Gold Rewards card is offering 20,000 Membership Rewards points when you refer FROM that card to another card. This is the new highest, previously it was 15,000 on the Platinum card. This means you can now get up to 30,000 points on the BBP.
Original Post: American Express recently updated their referral program so that you could refer people to cards you don’t currently hold. We speculated that self referrals would work, we now have confirmation that this does work. It had also previously been confirmed by American Express directly that ‘in general’ the referral bonus you get will be based on the card you referred from. This means if you refer yourself from your Platinum card to another American Express card you’ll receive the sign up bonus + 15,000 Membership Rewards for the referral.
Below are are a list of datapoints, the first card listed is the card you’re referring from and the second card listed is the card you’re referring to. For example:
Would mean somebody has successfully applied for a Gold card, using a referral link generated from a Platinum card and has received the referral bonus the Platinum card normally gives (currently 15,000 points). Now onto the actual data points:
- Personal Platinum:
- Business Gold:
- Blue Business Plus: 1,
- Business Platinum:
This presents some opportunities. The most obvious is that referral for the Blue Business Plus. Currently that is offering a bonus of 10,000 points after $3,000 in spend within three months. If you referred from a business platinum card you’d get a further 15,000 Membership Rewards points for a total of 25,000 points. This is $2,000 less in spend than the 20,000 points bonus and 5,000 more points.