Update: These 90,000-point referral offers on the American Express® Gold Card have now expired. See if you’re targeted for a 75,000-point offer via CardMatch!
The American Express® Gold Card is one of the best all-around travel cards out there to rack up points on your everyday spending. And this is the best welcome bonus we’ve ever seen to get started with it.
Unlike the usual credit card links you see on travel sites, this one is only available through personal referral links you can get from friends or family members (or from us – keep reading). But it’s a doozy: You can earn 90,000 American Express Membership Rewards points after spending $4,000 in the first six months of card membership. That easily trumps the 60,000 points you can normally earn for the same spending requirement.
But it gets better. By applying through this targeted referral offer, you’ll also receive 20% back as a statement credit on eligible purchases made at restaurants worldwide up to $250 in the first 12 months of card membership. That can easily zero out the $250 annual fee for the card even before considering the 4x points you’ll earn at restaurants, monthly credits for dining and Uber, and other perks.
Click here to apply for this targeted referral offer, but beware: It’s only available through this Wednesday, June 8. You might need to open it in an incognito window in order to pull up the 90,000-point offer.
Related reading: 6 Reasons We Love the Amex Gold Card (And You Will Too)
This is an insanely lucrative offer for new cardholders … but there’s something in it for the person referring the card, too. By having a friend or family member apply for the Gold card through your referral link, you’ll get 30,000 Membership Rewards points as well. These personal referral bonuses through Amex are capped at 55,000 bonus points a year.
Unfortunately, these referral offers are targeted so not every current cardholder will have this 90,000-point offer to send to new applicants – some may have the standard 60,000-point bonus available. If you’ve already got the Amex Gold Card and want to check, If you are a cardholder, you can head to the American Express Refer a Friend homepage to see if you have the offer.
But here’s where this offer gets truly amazing if you’ve already got an Amex Gold Card in your wallet.
I was able to refer a family member to the Amex Gold card through my targeted referral offer. They’ll get a 90,000 point bonus and I’ve already earned my own 30,000 points for the referral. But just a few days later, I received an email from American Express about the referral with a special bonus.
I am now earning an additional 5x Membership Rewards points on purchases at U.S. restaurants for the next three months on up to $25,000 spent. Considering the American Express Gold Card already earns 4x points per dollar spent at restaurants, I’ll now earn 9x points on U.S. restaurant spending for the next three months! That is an incredible return.
Related reading: 10 Amazing Ways to Redeem Amex Membership Rewards Points
How to Check for the 90K Referral Offer
Just because you have the American Express Gold Card doesn’t mean you will have this offer. Of the Thrifty Traveler staff members who hold the Gold Card, I was the only person who has the 90K referral link available.
To see if you are eligible, head to the American Express Refer a Friend Homepage and log in to your Amex account. If you have more than one American Express card, make sure you select your Amex Gold Card. If you don’t have this offer, you’ll see the standard 60,000-point offer that is also available through all of the public channels.
If you have the offer, you’ll be able to refer as many friends and family members as you would like. However, you’ll only get a max of 55,000 Amex points for doing so. 30,000 points for your first successful referral and 25,000 points for your second.
But be warned: Starting back in 2018, American Express started treating points earned from referral bonuses as taxable income. For tax purposes, Amex values each point earned at one cent each. So earning 55,000 points for a referral means you are going to get a 1099 tax form for $550 early next year.
Don’t have the American Express Gold yet? You can use our personal referral link to pull up the 90,000-point offer. You may need to open the link in an incognito or private web browser.
This is truly the best offer we have ever seen on this card, and it isn’t particularly close. But according to the referral offer, it will only be around through Wednesday, June 8, 2022.
American Express is out with a massive targeted referral offer to earn 90,000 Membership Rewards points after spending $4,000 in the first six months of card membership through this Wednesday, June 8, 2022. If you have this offer, you’ll also get 30,000 for each successful approval (up to 55,000 points a year). And to top it all off, Amex will send you an offer to earn an additional 5x Membership Rewards points on U.S. restaurant spending for the next three months on up to $25,000 spent (9x points per dollar total).
This is truly an incredible offer for both the referrer and the referee. If you don’t yet have the Amex Gold Card, you can use our personal referral link here to earn a welcome bonus of 90,000 points!