[Limited] AmEx Referrals Earn Extra 10X on Dining

AmEx cardholders can earn up to 10x Membership Rewards or 10% more cash back for making a successful referral.
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Written by Jae Bratton
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Edited by Erin Hurd
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From Feb. 22 to May 22, 2024, certain American Express cardholders can earn elevated rewards if they refer a friend for their own AmEx card, and that person applies and is approved by May 22.

AmEx cardholders who meet the promotion requirements will get an additional 10x Membership Rewards or 10% cash back per dollar spent at restaurants worldwide. The new rewards rates are valid for 3 months, or up to $25,000 in purchases. (Terms apply.)

AmEx cardholders with the following cards are eligible for this offer:

Thanks to American Express’ flexible referral rules, referral recipients aren’t restricted to applying for a card within the same family as the referring friend. For example, if you receive a referral from someone with an AmEx card that earns cash back or Membership Rewards, you may apply for any personal or business AmEx card. However, when the referring cardholder has a co-branded card such as the Delta Gold, the referral recipient may apply only for a co-branded card in the same family.

Is this a good deal?

American Express® Gold Card
NerdWallet rating 

Earning an extra 10x rewards or 10% more cash back is a great opportunity, especially when those rewards can be had with minimal effort: Sending a referral is as easy as clicking a few buttons online or within the AmEx app. As long as the recipient is approved for the card they apply for, you’ll get that temporary rewards boost.

Say you have the American Express® Gold Card, which earns 4x Membership Rewards at restaurants. If you meet the terms of the referral offer, you’ll earn a stunning 14x on dining. Terms apply.

Those rewards can be redeemed in a number of ways, but you’ll likely get the better value by transferring them to one of AmEx’s travel partners. NerdWallet estimates that 1 Membership Reward is worth 2 cents when transferred.

To view rates and fees of the American Express® Gold Card, see this page.

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