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Last updated: April 21, 2021

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.

American Express Credit Card Families

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.

Flowchart

Click here to save a copy for yourself!

 
18 Comments
  1. Avatar
    Chris

    Has the Business Amex cards’ referrals dropped to 15,000 recently? That’s what is showing from my Business Gold referral link. Flowchart might need an update unless it’s just me.

    1. Josh
      Josh

      Business Gold is actually up from 5,000 MR. The flowchart recommends starting with and referring from the Business Platinum, for 20,000 MR per referral. Bonuses for the referrer are dependent on the card you refer from, and the best card has the best bonus.

  2. Avatar
    crystal Chabassol

    RIcky they wouldn’t let my husband get an Amex Business Gold card while holding the AMEX Platinum business card (we were using the 2 person chart with him using my referral). Is that normal? They said you couldn’t hold 2 business cards at once so made him get a personal gold card. Ultimately, it didn’t make sense to me as how do you normally transfer your points without having to assign them prior.

  3. Avatar
    Harjot

    In this flowchart, can player 2 be your spouse? In terms of the business cards, if we are owners of the same business, would that be considered a self referral?

    1. Ricky
      Ricky

      Yes, in fact most people consider their spouses to be their Player 2. No issues if you’re both owners of the same business, as the cards are tied to your personal credit profiles.

  4. Avatar
    Phil

    Is there one of these for American Amex cards?

    1. Josh
      Josh

      US Amex cards aren’t as linear, as there are many more factors that go into which card you get next: once-in-a-lifetime bonuses and only applying for all-time high offers, targeted/incognito and frequently changing offers, hotel strategies, etc.

      MR cards can refer to any card, and co-branded cards can only refer to other cards that earn the same type of rewards. You’ll get bigger bonuses by referring from top-tier cards.

  5. Avatar
    Michelle F

    Is there still a one person flowchart?

    1. Ricky
      Ricky

      No, as the practice of using one’s own referral link to apply is now explicitly prohibited in the terms and conditions.

  6. Avatar
    Nick K

    Thanks for this Ricky!

    1. Avatar
      Nick K

      Q: If you add your spouse as a supplementary card holder, does it hault your ability to refer them for the same card in the future?

      1. Ricky
        Ricky

        Nope!

  7. Avatar
    Todd

    Hard to tell from the graphic, can the P1 Business Gold refer P2 to a Business Gold?

    1. Ricky
      Ricky

      Yes, although it isn’t optimal because the highest referral bonuses in the “family” are earned on the Business Platinum Card.

  8. Avatar
    Farzan Haq

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

    1. Ricky
      Ricky

      Done 🙂

  9. Avatar
    Matthew Bradley

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

    1. Ricky
      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.

Ricky

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