The American Express Credit Card Flowchart

May 2019

American Express offers by far the most generous signup bonuses here in Canada, as well as a lucrative refer-a-friend program. By maximizing both of these points-earning techniques, you can rack up a spectacular amount of points in a short time.

The various Amex cards can be grouped into a few different “families”. The refer-a-friend program only allows you to refer from/to the specific cards within each family.

Below you’ll find a comprehensive flowchart showing you the optimal strategy for applying for, and referring to, the various Amex cards, based on the specific welcome bonus and referral bonus offers on each card.


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Offers come and go all the time.
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