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.
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The Platinum Card, Business Platinum Card, Gold Rewards Card, Business Gold Card, Cobalt Card, and Business Edge Card can refer among each other.
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Exception: The Platinum Card can only refer to itself or to the Business Platinum.
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Exception: The Business Platinum can only refer to itself, the other business cards, or the Platinum Card.
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Exception: The Business Edge can only refer to the other business cards.
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The Aeroplan Reserve, Aeroplan Business Reserve, and Aeroplan Card can refer among each other.
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Exception: The premium Reserve cards cannot refer to the core Aeroplan Card.
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The Bonvoy Card and the Bonvoy Business Card can refer among each other.
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.
American Express Credit Card Flowchart
