American Express is currently running a very innovative promotion. With this promotion, you simply have to refer a friend for an American Express card. If Amex approves your friend for the card, you’ll not only earn bonus points for the referral, but also earn an extra 3 points for dollar you spend on your card for the next 3 months.

Referral Bonus: 3 Extra points per dollar

This promotion may be targeted for certain cards. However, I’m able to see this promotion on my Membership Rewards earning cards as well as my co-branded Hilton cards.

As per the offer, your friend will need to apply via your referral link before 10/28. Once Amex approves your friend for the card, you’ll automatically earn 3 extra points for each dollar you spend on your card. In addition, you’ll also get the referral bonus in the form of points.

3 extra points per dollar

25k points + 3x extra per dollar spent on my Amex Gold Card!

I saw a similar offer on my co-branded Hilton Amex card as well

3 extra points per dollar

20k Hilton Points + 3x points per dollar spent on my Hilton Amex Card!

Maximizing Opportunities

This is a great opportunity to maximize your points earning for the next three months. For example, the Amex Gold card earns 4x on grocery and dining. If you refer a friend and your friend gets approved, you’ll earn 7x on grocery and dining for the next 3 months. That’s an amazing return on spend for stuff you’d purchase anyway.

Similarly, the Hilton Aspire card earns 7x on dining, which will become 10x after you successfully refer a friend.

The Pundit’s Mantra

If your friend gets approved via your referral link, this promotion presents a great opportunity to earn a ton of points on your Amex cards by simply using your card for everyday spend or by maximizing bonus categories like grocery or dining.

How do you plan to maximize this promotion by American Express? Tell us in the comments section.


The Points Pundit loves these newly relaunched Chase credit cards!

Firstly, they offer you an introductory 0% APR for the first 15 months upon approval.

Secondly, they have no annual fee and have a lucrative welcome bonus of $200 or 20,000 Ultimate Rewards points after you spend $500 in the first 3 months.

Moreover, you can earn up to 60,000 Ultimate Rewards bonus points in the first year if you maximize the bonus points categories.

They’re packed with brand new benefits and bonus points categories.

Overall, a great option to carry in your wallet for everyday spend!

Apply Now

(Chase’s 5/24 rule may apply to these cards)


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Disclosure: The Points Pundit receives NO compensation from credit card affiliate partnerships. Support the blog by applying for a card through my personal referral links. This article is meant for information purposes only and doesn’t constitute personal finance, health or investment advice. Please consult a licensed professional for advice pertaining to your situation.