American Express
Credit Card Flowchart


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.

Click here to save a copy for yourself!

  1. Avatar
    Farzan Haq

    I think the Cobalt card may need to be updated to reflect the current offer 🙂

    1. Ricky

      Done 🙂

  2. Avatar
    Matthew Bradley

    Out of date. Where’s the Amex reserve card on here?

    1. Ricky

      The Amex Reserve doesn’t currently have a referral offer either to or from it. If it does in the future, it’ll be added.


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